vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX  XX/XX/2020 eToro USA LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX   CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Demand Notice To Whom it May Concern : On XX/XX/2020, I applied for an investment account at eToro USA LLC ( the Company ) in response to an offer to earn XXXX  SB ( the Offer ) on the XXXX website ( the Website ). The Offer terms stated Register, deposit {$50.00} and make two trades to earn XXXX  SB!

I completed all requirements by XX/XX/2020. 

As of today, the XXXX SB points have not posted to my account, despite repeated inquiries with the Website. 

Now, I respectfully demand that the Company pay the monetary value of the Offer ( {$70.00} ). 

Otherwise, this matter will proceed to trial with all costs borne by the Company. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX   XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: CO

Complaint narrative:
Transunion has incorrect information in my file. This has resulted in social security and XXXX credit card being unable to identify me. Also resulted in a low credit score resulting in higher interest rate asked for by XXXX XXXX, credit. This problem doesnt exist with XXXX. Scores are 264 points different between the two reports. The co will not verify their data. Demand that I provide copious information trying to prove a negative or pay a fee for them to do it.

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 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I recently applied for a home loan with my bank, U.S. Bank. I was pre-approved rather easily and began the home search. While searching for a home I made sure to send in all the documents I would need to move forward with the closing process so there would be minimal delays and to make it easier on the lender. However the loan officer I was working with, XXXX XXXX, wasn't helpful at all. I had to reach out multiple times to ask what the next step was and multiple times had to wait several days for a response or didn't hear back at all from him. As of XX/XX/2020 I had all my documents including the signed sales contract for my home uploaded or sent in. I indicated to XXXX that I'd like to move forward with closing and lock in the interest rate for that day. For the next 2 weeks I emailed XXXX asking for an update and he told me the processor, XXXX XXXX, would be getting in touch with me. She never did. I followed up with her and still received no response. It wasn't until I emailed another representative, XXXX XXXX, on XX/XX/XXXX that I was notified that she would get everything processed. She indicated a closing date of XX/XX/2020, almost an entire month after my expected closing date. XXXX was as helpful as she could be and I appreciated her stepping in and doing her best to resolve the situation quickly. However XXXX was not at all helpful and I still haven't heard anything from 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 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I have filed a complaint about Debt Recovery Solutions before, and they have responded. Unfortunately, they have not fulfilled the obligations of their response. The response was as follows : [ [ This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, 2020. In light of the information set forth in this complaint, we have closed this account in our office and returned the matter to our client for further review and processing. As such, you will not receive any further communication from our office concerning this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX ] ] The account has NOT been removed from the credit profile despite me disputing to XXXX, XXXX, and XXXX. This means that they believe the account is still " legitimate '' and can be collected on. This also means the account is NOT closed. This means they have NOT informed the credit bureaus to remove this inquiry. They must promptly do as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I am a customer in good standing with my mortgage company, Quicken Loans. I was refinancing my home through this same company and throughout the process there were many mistakes and delays. It was communicated to me that since we were in the middle of this refinance process that our next payment to be paid would be on XX/XX/2020. This was inaccurate information given to me by my mortgage banker and the way I was notified that the payment due was on XX/XX/2020 is when it was discovered by me on my credit report as a past due payment. Quicken did not notify me of this and resulted in dropping my credit score 100 points. Quicken did not contact me in any way regarding a missed payment. Once I was made aware I immediately contacted Quicken I brought my account current. I made attempts with Quicken for them to make corrections to my credit report. Despite the errors on their employees parts and the fact that I have been a long standing good customer that had never been late or missed a payment prior to this they refused to investigate the issue fully or make any attempts to make corrections to my credit report. The last day I spoke to someone in Quicken 's executive department was XX/XX/2020. This account is currently paid in full and closed. The reason that this payment was late was because the Quicken employee gave me inaccurate information. I need help in this situation to repair the effects it has done on my credit score /report. I will attach the documentation that I made this account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/2020. I tried to link my PNC account to my investor 's account. PNC wouldn't allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: FL

Complaint narrative:
I just Check my Credit and I notice some fraudulent Activity. I have Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation

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 2020-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just Check my Credit and I notice some fraudulent Activity. I have Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation

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 2020-07-29 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXXXX {$1200.00}

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 2020-07-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXXXX {$1200.00}

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 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.

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 2020-07-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.

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 2020-07-29 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My Best Buy XXXXsa Card. 

The card is paid in full, but Visa will not close the account because they can not verify me. 
Sounds odd but after speaking with their customer service, their fraud protection unit and credit card specialist, their answer was the same, it is " our policy '' that they will not close my account until I am verified. However, they won't tell me what I have to do to verify the account. This is the definition of a " Catch 22 '' It is crazy. They gave me the credit immediately, they take the money out of my account when paid, but refuse to cancel the card upon my request. Especially after identifying myself, SS #, card #, etc on the phone with their representatives. 

I paid the card in full, and want the account closed immediately.

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 2020-07-29 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from Summer 2019.

I have no idea what they're talking about and was unable to find anything within my Experian, XXXX, and XXXX  credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two.

What can I do?

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 2020-07-29 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: TN

Complaint narrative:
SOMEONE USED MY INFORMATION THESE ACCOUNTS ARE NOT MY ACCOUNTS THEY NEED TO BE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   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 2020-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   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 2020-07-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please see the attached supporting docs. This is a short version of the 29 pages submitted to Chase credit card via upload to there website and mailed in which they advise were received. 
On XX/XX/XXXX I booked a hotel room on my credit card ending with XXXX via XXXX XXXX XXXX for XXXX XXXX XXXX for a 6 night stay XX/XX/XXXX to XX/XX/XXXX for {$830.00}. This was part of a 3 week tour of XXXX. On XX/XX/XXXX the Hotel advised they can not accommodate us as English Government will not allow bookings due to Covid19 and per their website they have rented the rooms to Covid19 first res-ponders. I got no where with the merchant who offered a future credit. I am traveling with my spouse who has a XXXX  XXXX XXXX XXXX XXXX XXXX diagnosed XX/XX/XXXX, and this was probably his last birthday where he can XXXX and XXXX XXXX. He wanted to be in XXXX, XXXX. We live in XXXX XXXX, FL I disputed the merchant chase with Chase hold times over 3 hours.I then uploaded supporting docs and mailed in hard copies. 
Chase sent a refusal of the dispute siding with the merchant dated XX/XX/XXXX stating " I either received the service from the merchant or it was made available to us. They also can not confirm if services were available. In the documentation I gave from the merchant they admit the room was NOT available. Chase failed to read my documentation. I contacted a supervisor who was cold and could care less not protecting my money from a double billing hotel. 
'

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: KS

Complaint narrative:
Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from XXXX 2019. 

I have no idea what they're talking about and was unable to find anything within my XXXX, Transunion, and XXXX credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two. 

What can I do?

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 2020-07-29 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: KS

Complaint narrative:
Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from XXXX 2019. 

I have no idea what they're talking about and was unable to find anything within my XXXX, XXXX, and Equifax credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
SOMEONE USED MY INFORMATION THESE ACCOUNTS ARE NOT MY ACCOUNTS THEY NEED TO BE REMOVE

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