vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and  was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX XXXX and Equifax that XXXX XXXX  had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and XXXX  this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower XXXX score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX Experian and XXXX  that XXXX XXXX  had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and XXXX this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.

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 non-monetary relief
Consumer complaint received 2020-09-21 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: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX booked vacation through XXXX from XXXX through XXXX in the amount {$930.00}. We were to stay at XXXX XXXX XXXX, XXXX XXXX, XXXX. 
XXXX received e-mail from XXXX that our trip had been cancelled due to Covd-19. I was advised that as of XXXX XXXX had paused operation and I would need to contact my credit card company to receive reimbursement. 
XXXX I contacted my credit card company, COMENITY-Orbitz  Rewards Visa Card by phone to receive credit on my account and was advised a dispute would be processed. 
My COMENITY-Orbitz statement showed a credit of {$930.00} plus XXXX interest fee but was again charged back to my account. 
XXXX I received a letter from Comenity requesting information which I sent to them by mail on XXXX. 
XXXX Comenity sent me a letter advising they had received my claim and notification would be made within 90 days. 
XXXX I received another letter requesting the same information. 
XXXX I called Comenity and talked to XXXX advising him I had already sent the information. He advised me to resend the information and that he would process another dispute. He advised that his supervisor had called the resort and it was still closed. 
XXXX received letter requesting information AGAIN. 
XXXX I sent information to them. 
XXXX received letter to Comenity advising they received my claim and they needed another 90 days to complete the investigation. 
XXXX called Comenity and was advised the case was closed in XXXX. I never received notification of this. I requested to speak to her supervisor as she could not give me an explanation. 
Was transferred to a supervisor, XXXX who advised she would send e-mail to dispute department and call me back on XXXX. She advised Comenity received the information they needed from me on XXXX. 
XXXX I called Comenity and talked to XXXX who left me on Hold for 30 minutes and was then cut off. I called back and requested to speak to a supervisor. Was connected with XXXX who advised she was a senior supervisor but could not help me in any way. She advised Waiting for dispute department to make a decision. 

I still have {$930.00} plus interest on my card and received nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I spoke with an unwelcoming and unruly phone SantanderConsumerUSA Agent named XXXX ( ID # XXXX ) who first rudely told me that a change date request mistake could not be reversed in the system. I requested for it to be escalated to a manager whom I never spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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:
In XXXX, I contacted PayPal after recieving an alert that my password had been changed. I had not changed my password and when I logged in, I saw that a debit card that did not belong to me had been added to the account. I was not able to get anyome on the phone so I communicted via PayPal 's message center with an agent. I was blown off and treated like the card was obviously added by somone in my household. I insisted it was not. I asked if a merchant could have added it as a form of a credit for a return and got not real answer so I left the card on my account thinking it must have been that. Fast forward to XXXX XXXX. I again got an email in the middle of the night confirmiong I had changed my password. I had not. This was followed by a half-dozen emails from PayPal about transactions I had nothing to do with. I never sold anything to anyone or requested money from anyone. The person who hacked the account, had money sent to the debit card I had alerted PayPal to months before. I quickly deleted the debit card and tried to contact PayPal. I got a basic message back telling me I was smart to delete the card and that was it. In the meantime, all these people opened cases against me for refunds. The choices I am given to respond are : I alrwady refunded them, I will refund them or I shipped the item. I HAD NOTHING TO DO WITH ANY OF THESE TRANSACTIONS!! And those are the choices they give you. I have called no less than a hundred times but yuo can't get an agent over the phone. I have emailed them the entire story with no response. I have tried their " Virtual agent '' again and no one responds. The cases total around {$500.00}! This is insane. PayPal 's security failed me and they are charging me for it. It seems like an obvious scam - adding a debit card to someone's account and then getting money sent to the card and transferring it from there. But PayPal blew me off when I reported it and now I can not even get a human being to help me. On top of that, the people who got conned have my email address from the transaction and have sent me threatening emails for taking their money. So not ony has PayPal disregarded my financial security but my personal safety as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Multiple web sites for Equifax do not aid me in trying to manage the freeze status of my account. They do not respond and the company provides no help. When I try to create an account the web site does not respond. I can't use my previous PIN anywhere on the site. I have no idea the status of my credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
My fianc sent me money via vemno and then i got an email alert advising my account had been frozen. I reached out to venmo after submitting my drivers license to inquire on why i had a frozen account. The reps could only tell me that the team who handles my request will get back to me within 5-7 days and close out my chat. despite a number of contacts trying to get information on who to speak to or what is going on. no one will provide me with anything. my fianc has validated the funds and her identity with the company and so have i. yet i still keep getting the run around. All i keep being told is that someone will reach out in 7 business days or 10- business days. they will not produce a reason for the funds being held even though they were ACH and already drafted from the senders account. They will not give me any advice on when the funds will be ready for use either. This is unacceptable and deceptive and very very unfair practices to consumers. We should be given notice if funds are being held and notice as to why. Along with how long the funds will be held. I want the funds released for use or returned to the sender immediately. 

funds transfer XX/XX/2020 XXXX am I made contact with them immediately 7 times and each time i am told someone will get back to me without any additional details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
In accordance with a XX/XX/2020 letter from XXXX XXXX  indicating non-approval of my application for a credit card, I requested a free credit report from Sagestream LLC in a forwarding of the letter on XX/XX/2020 ( attached file ) to the address provided in the letter, per FCRA law.To date, I have not received the free credit report from Sagestream used in the credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had submitted a dispute with Bank of America back in early XX/XX/2020 for a transaction totaling {$1500.00}. I further had to call in and correct the dispute because Bank of America filed it incorrectly and they said I was not protected under regulation e. So after revising the dispute the agent told me I was protected under reg e and I should recieve a temporary credit in ten day. Fast forward to today. I just called Bank of America because the credit was not issued. After speaking with multiple agents I was told I was not covered u see regualation e because aparantly this merchant does not offer temporary credits but I dont believe that is true because regulation e protects consumers for this exact problem regardless of who the merchant is. I have not been able to come to an agreement with Bofa regarding this matter and I believe they are in direct violation of regulation e and I have evidence and proof to back that up. I do believe they should incur some sort of fine or penalty because they are violating regulation e. And this has caused me to take time away from my business directly causing more financial burden. Let me know if you have any questions. You can reach me at 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
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Westlake Financial is a creditor that gives pre-qualifications through XXXX. You can get a pre-qualified offer that can be submitted to various dealerships and is supposed to closely match what you would be approved for. I submitted information for a prequalification on XX/XX/XXXX, but instead of just getting a pre-qualification, my XXXX  credit report was pulled. XXXX and Westlake financial assure potential consumers that credit will not be affected. My score dropped 21 points as a result of this pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Per my previous CFPB compliant XXXX ( attached ) I reported that TransUnion is in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. TransUnion 's mailed response ( attached ) states " the document submitted does not appear to be a copy of an official valid law enforcement report that we can accept as an Identify Theft Report ''. I have repeatedly submitted official FTC Identity Theft Report # XXXX ( attached ) to TransUnion via mail as well as via CFPB but TransUnion refuses accept as official. Per the FTC ID Theft Recovery Steps document highlighted page 4 ( attached ) a consumer " may choose to file a report with your local police department ''. This is NOT a requirement of the FTC. Also TransUnion 's own Fraud Victim Checklist page 2 highlighted ( attached ) states " contact government agencies, such as the Federal Trade Commission ( FTC ), to report the fraudulent activity '' and " Download the FTC 's Universal Fraud Affidavit ( https : XXXX ) ''. Nowhere within TransUnion 's checklist does it state that a local police report is required. That said how is it that TransUnion states in their complaint response letter that they do not recognize my FTC ID Theft complaint as official while TransUnion 's own ID Theft Recovery Steps document specifically states to contact the FTC to report fraudulent activity via the FTC universal Fraud Affidavit? TransUnion 's failure to block this item from my credit report is a clear, indisputable and deliberate attempt to cause harm to my credit rating and a blatant violation of my rights under the Fair Credit Reporting Act. Failure to block this trade line will result in a formal complaint against TransUnion to the Federal Trade Commission as a well as explore any legal remedies of which I am entitled under the FRCA. 
.

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 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MO

Complaint narrative:
Thursday XX/XX/XXXX there was two transactions with application called cash app. They were canceled by cash app for my protection and said that the funds would be refunded back to my bank account. Both transactions were for {$150.00}. I have called my bank and they dont see that its pending in my account. I have tried reaching out to cash app via email and have only got the same response every time. They said the funds will be there on Monday XX/XX/2020. And I yet to have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On Mon., XXXX XXXX, 2020, I received two ( 2 ) letters from Select Portfolio Servicing regarding allegation that they received my regular monthly payment late. First, I have had this conversation to SPS in the past that I do not pay anything on the first day of the month, and that by law I have at least 10 days to make payment. My payments are mailed by the fifth day of the month once funds are in place by the 3rd. SPS ' representative named XXXX said he would notate that I did call but could not waive late fee. I reminded XXXX that due to President Trump 's effort to shut down some post offices and the slow down due to COVID-19, it was not my fault my payment arrived later than usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
Alliant Capitol Management XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, NY XXXX This company will not stop calling me after several attempts of talking to them to convince them that I am not XXXX XXXX. This has been 1 year of harrassment. 
1. I explained that I had just received my cell phone & new phone #. Possibly the owner of the phone # prior to me. ... ... .the calls & voice mails kept coming. 
2. After 2 months, I registered my cell phone with donotcall.gov ( XX/XX/XXXX ) 2. After 3 months, I answered the call & explained I was on the do not call list. Please stop calling me. ... ..the calls & voice mails kept coming. 
4. After 4 months, I answered the call & yelled at the guy that I was on the do not call list & to stop harrassing me. I threatened with I would contact the Fair trade Commission. The guy agreed to take me off of their list. 
5. 3 months went by & it was quiet. 
6. XXXX XXXX the calls & voice mails started again. Today, XX/XX/XXXX, I called the phone #, XXXX XXXX. I asked for the company name & who I was speaking with. " XXXX XXXX '', he said. The guy said he could not help me unless I gave him my phone #. I stated I would not do that as I just wanted the name of the company & the address as I was putting in a complaint. He insisted that he could help me if I would just give him my phone #. I held strong & said " no, please give me your address. I have already fallen for the promise to remove my phone # from the list & that turned out to be false ''. He giggled. He thought that was funny. After he pulled himself together, he stated he would XXXX  it. He gave me the address, however, he gave me the city of XXXX. When I hung up, I XXXX  it myself & discovered his ploy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Leased a vehicle in XXXX of XXXX. Paid the balance of the lease off in XXXX and XXXX through XXXX of XXXX. JP Morgan ChaseXXXX XXXX XXXX says they will not update the Credit File because there is XXXX balance due and they wont update until the end of the lease - They stated " if you left a {$1.00} balance, we would have updated the credit reporting, but because you paid it off, we will not report until XXXX of XXXX. ''

Company response to consumer: Closed with explanation