vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PREFERRED CREDIT INC
State: GA

Complaint narrative:
XX/XX/2021 the full remaining balance of loan account XXXX with Preferred Credit was paid in full. Prior to this in XXXX the balance was paid 50 % off. I called Preferred Credit multiple times in XXXX, XXXX and XXXX to ensure these payment updates would be reflected and they were not. I called the credit bureau XXXX multiple times and not only was the information never corrected their questions used to identify my identity were accounts that were not mine or did not have a valid answer. When I informed them of this they hung up the call after one to two hour hold times. I disputed this online twice and the last time on XX/XX/2021 confirmation : XXXX and the investigation should have been completed XX/XX/2021, but it remains locked with no results. Therefore, I can not dispute it again because it shows active but nothing being done to resolve it. I have called the credit bureau XXXX and they have refused to fix it. I have called Preferred Credit and spoke with two Supervisors one XXXX and explained how it affected my credit score and needed to be removed from my credit report and it was not fixed. I emailed complaints with supporting documentation on XX/XX/XXXX and XX/XX/XXXX and have not received any responses. On XX/XX/XXXX again my credit score went down XXXX points on XXXX with no explanation or supporting documentation and this account remains on there. I need this preferred credit account removed immediately and my credit score updated immediately. I would also like to file a formal complaint against XXXX for knowingly reporting false information, refusing to correct false information and knowingly allowing my credit score to be impacted by this false information. I also want to file a formal investigation into Preferred Credit for refusing to ensure correct information is reported to the credit bureau and causing harm to my credit score and ability to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST HOME MORTGAGE CORPORATION
State: NY

Complaint narrative:
XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX and I'm trying to close my account again with MoneyLion that someone reopened using my information and already linked a Bank account to it and I have contact customer support and talked to them about it and they won't do anything about it and I believe someone is trying to take over my account and nothing is getting done about it and I even asked customer support to lock my card that i never received and if they could lock my account because I feel like my account is hacked and i feel like customer support don't wan na help resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After viewing my credit report I noticed it contains an item that I have never applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My issue is with paypal and apparently this dates back to XX/XX/2021. I purchased hair online only to learn that my stylist was going in the store to make the same transaction. I reached out to paypal to see if the transaction could be stopped only to learn that i submitted thru my paypal credit account and they couldnt assist. Meanwhile i contacted the vendor and they refunded the payment right away. 


XX/XX/XXXX Paypal sends me an email stating i owe them for the transaction that they said they could never help me with and now my account is negative {$820.00}. HOW- its 2 different banks involved. Paypal and Paypal credit. THEY NEVER REFUNDED ME ANYTHING I have called multiple times and spoke to a supervisor who said that she would call me back 3 days ago. The reps insist on my speaking to paypal credit who state there is nothing wrong with my account at all NOR do they see any additional refunds Payments are bouncing all over the place due to paypals negligence Not cool

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Several years ago I took back my maiden name of XXXX XXXX. I went to the bank with my court documents and a new card was sent to me with the correct name. The statements still had my former name of XXXX XXXX. I called, I was told to go to a branch. I went, it still was the same. This was not the biggest deal to me, but a year later, I did need a valid bank statement, so I called again, I was again directed to a branch. I went in. I was told it was then fixed. Last week I found out I was DENIED my PPP loan for my business because my bank statement was incorrect. I am now marked as a fraud risk. I called and BEGGED for someone to fix it. A woman who finally seemed to care told me that the department that needed to fix it was closed for the night, but it would be done the next day. It is STILL not done. I have gone in several times and the statements I need from last year STILL all say XXXX XXXX. I do not feel anyone has done anything and now there are no funds left for the PPP. I am beyond upset. I do not know why in this time of bank security my name would not be REQUIRED to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Husband passed 2019 I have spoke with PHH a lot of times to give me a mortgage modification to bring my mortgage current since his death. My name is on the deed of the property. They have gave me bad information and the run around.

I don't want to lose my house to foreclosure. I had a XXXX this was from complications of the XXXX I was affected by XXXX. I want to pay my mortgage but no one is willing to help me with the mortgage company. I have sent them my financial information and requested forbearances a lot of times. They turn me down each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
A collection agency named NCB Management Services Inc has contacted me several times over the last two years regarding a debt of {$3500.00}. I sent them a certified letter on XX/XX/2021 asking them for proof that I actually owe this debt. The letter sent is attached as well as USPS Certified Mail Receipt and tracking information showing letter was delivered. In the letter I asked for an original contract from the company that they purchased the debt from as well as any and all information they used to determine I in fact owe this debt and the method they used to verify this. They replied via letter mailed by USPS that I received on XX/XX/2021. They did not provide any proof or verification that I owe this debt. They simply stated in the letter that they investigated my notice of dispute and couldn't substantiate my allegations. They did not provide any means of how they came to this decision or any documentation showing the debt is mine. I feel this is unacceptable and a violation of the FCRA. I have enclosed the response letter from them. This collection has not been validated as mine, there is no proof the debt is mine and no explanation as to how they came up with this decision. This company is reporting this frivolous claim to the three credit bureaus and has affected my credit and ability to obtain a mortgage. I feel this company must either prove this debt is mine with documentation showing I was in fact under contract to pay this amount or they need to have this collection deleted from all three credit bureaus. Simply stating they investigated it without showing me any proof they did investigate it as well as no proof I in fact owe this debt is not valid nor acceptable and is a violation of my rights under the FCRA guidelines. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems LLC is reporting a delinquent collection account to the major credit bureaus that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive any form of validation of this alleged debt. XXXX Mailed XX/XX/21 ) According to the FCRA, Jefferson Capital Systems LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I have attached the multiple notices that they've sent me as well as the validation letters that I've sent them. This is hurting my credit and I need it removed immediately as it is not my account or debt. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I was approved for a loan and after reading my contact thoroughly the credit score is incorrect the score is XXXX and my credit score is well in the mid and hight XXXX I talked to the specialist on the loan and asked why the interest rate was so high we didn't consider looking at the score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent in a copy of my police report to Experian detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I have a car loan from a company I know as Bridgecrest. My complaint is that it is extremely difficult to pay down the principal balance of the loan. Their web site and their " system '' simply don't give principle payments as an option. Nor do they allow me to view a statement of the account. For me to make a principle payment I first have to go online and make a payment of an amount more than the next due minimum payment. By default their " system '' attributes anything over the minimum payment due to future minimum payments due. Next I have to call their customer service department and ask to have the the additional minimum payments due reversed and then paid toward principle. I am then told the process can take 3-5 business days and to check back with them to verify the change. Next, I will detail my most recent attempt at making a principle payment : On XX/XX/2021 I went to their website and made a payment of {$6000.00}. Immediately after, I called their customer serviced and asked that a regular payment of {$270.00} be made and that the additional {$5700.00} bet put towards the principle balance. I was told the changes would be made and to check back later to verify the changes. 

On XX/XX/2021 I checked the site and the changes had not been made. Again, I called and was told my previous request had never gotten submitted but that it would now be. Again, check back later to verify the changes. 

On XX/XX/2021 I checked the site and the changes had not been made. This time I was told the changes were in process but not yet complete. " Check back later. '' Today, XX/XX/2021, the site still showed no changes. I made yet another call. No explanation was given. They promised to make the changes and call me with updates. They told me it could be another 3 days. I asked for a statement of my complete payment history and was told it was available to me on their site. It is not, though they insisted it was. I asked that rep to walk me through the process of getting the statement online. She then put me on hold and transferred me to someone who she said could help me get the statement. That person didn't walk me through anything, she simply verified my email address and said she would send me the statement. Again, this could take 3 days. Still no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
Qualia Collection Services is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/XXXX. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/XXXX. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Qualia Collection Services. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Please see letter below regarding my original dispute with my XXXX XXXX reservation purchased with my Barclay 's XXXX on XX/XX/2021. The amount in dispute is {$2600.00}. The reservation had to be cancelled due to XXXX XXXX breach of contract. 
On XX/XX/2021 I presented an ample amount of correspondence to Barclays XXXX dispute specialist proving XXXX and its host acted in bad faith. Additionally, I have telephoned Barclay numerous occasions and not been given the opportunity to speak to an actual billing dispute representative. Ultimately, on XX/XX/2021, Barclay mailed me correspondence stating XXXX did not violate the terms and conditions of sale. Their conclusion prompted an immediate appeal on my behalf. 

To whom it may concern, I have faxed you an ample amount of correspondence regarding my dispute with XXXX and my host XXXX. You can clearly see, I conducted myself in the utmost professional manner. This reservation appeared futile from the beginning. I am the consumer and I had to be involved daily regarding my reservation problems caused by the host and XXXX. The host and XXXX conducted themselves as unprofessional and doing business in bad faith. One can not expect a family, with a XXXX individual, to travel out of state, especially during these turbulent times, without CONFIRMED RESERVATIONS. I had repeatedly questioned the host regarding the method of confirmed reservations with the respective resort only to respond they would have my name when I arrive. REALLY!!!! The host presented as a marginal communicator at best. He should have confirmed my reservation with the resort sooner and eased the XXXX of not knowing whether I was going to be stranded in Florida without a place to stay in the mist of a pandemic It was only 48 hours prior to check in when the resort ultimately learned of my reservation and still the dates of the reservation were INCORRECT. This business transaction was nothing less than fraud and robbery! 
Please advocate on my behalf as I am a card holder in very good standing! I would appreciate a dispute agent to contact me regarding this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation