vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Subject : Request for CFPB Assistance RE : Freeze Credit Reporting Under the Fair Credit Reporting Act, I submit the following complaint against Experian for violating the FCRA. 

Problem : In late 2020, I filed a formal XXXX  complaint against Experian [ ID number is XXXX  ] for various violations of the Privacy Act associated with their Experian boost program. Since that time, Experian decided to retaliate for the XXXX complaint with a unilateral and arbitrary action declaring that my entire credit was Frozen Due to Federal Legislation. Furthermore, they have refused to update my credit report, accept my online disputes and most recently denied access to the Experian website altogether by and through their support service.. Experian is now violating my Consumer Protection and Consumer Credit Rights under Colorado and Federal statutes by freezing access to my credit history in a deliberation effort to deny credit. In order words, Experian has taken serious steps to deny complete access to all of my credit accounts. They also have reported inaccurate FICO scores for me and my wife which have been also disputed without success. 

I have reported their actions to the various financial institutions reporting to Experience who also have noticed that both my wife and my accounts were frozen or simply not update in accurate financial data. Enclosed attached is a Credit Bureau Report clearly shows that the file frozen to federal legislation statement. 

My Concerns : I believe because Experian is refusing to accept responsibility for the earlier XXXX complaint ( ID number is XXXX ), they have now taken steps to adversely impact our credit file, access to the credit file and accurately reporting FICO scores to creditors and financial institutions. It is this very reason ; I filled a formal complaint with the CFPB and continue to seek a just and fair remedy. Until Experian fixes these problems and provide a full accounting for their action, this complaint remains unchanged. 

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
Consumer complaint received 2021-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
You can not dispute a problem on Line unless you agree to their '' term and Conditions '' This means you Accept their investigations, which do not exist and any response from the companies as '' certification '' s always accepted by the Credit reporting agencies ( the big three ) You can not invoke all rights and none waived ever. I tried to put this in my consumer statements. removed by them.

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 2021-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing incorrect info on my Equifax credit report. I wrote a 609 letter and sent the credit reports certified mail with highlighted problems on XX/XX/2021. It is currently XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I contacted Capital One asking for a replacement for card XXXX and a month later : still no replacement card. So I " closed '' my account. Capital One STILL owes me a refund on this account as it was over paid. Next issue with another Capital One : acct XXXX is also OVERPAID and again : No refund of the overage by Capital One. Seems Capital One can assess a late fee payment when a bill 's 2 days late in being received in the mail - but IS allowed to hold onto overage funds and pay the consumer when the creditor ( Eventually XXXX feels like getting that fixed. Customer service is really horrible. You have to either submit your issue by mail to their office in XXXX XXXX XXXX OR wait forever on the phone for someone to help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
i had fund on my paypal checking account and after the company closed my account for a 180days review they sent me and email in XXXX that everything was clear and my funds are eligible for withdrawal. i have not still been able to withdrawal my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On several occasions ( at least 3 times over last 6 months ), I've called Marcus Bank by Goldman Sachs about receiving bank statements at my mailing address even though I'm setup for online / paperless delivery. They keep sending paper statements to my address but I'm not always home and there have been issues with my mail being access by external people. In fact, I know of one instance where my statement was opened by someone else ( PRIVACY EVENT ). I'm currently logged into my account and the delivery method is " Electronic '' but I'm still getting paper communication ( see attached screenshot ). They don't seem to care ... I've called so many times and even asked to pass my issue over to their Complaints team but no one calls me back and handles my situation. There is something wrong with their system. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
2 payments of {$300.00} were taken out of my account on XX/XX/XXXX. I only authorized 1 payment of {$300.00} for my XXXX car payment with Ally. I called and was told it was a mistake and I would be refunded one of the payments and the other would be applied to my account. After 45 days, I received a notice that my account was past due. Each time I call, I am told that is because I was refunded for my XXXX payment so that my account was no longer in good standing since I missed a payment. I have to explain each time I call my situation and that I was double charged. Each time I call, I am told I missed a different payment ( sometimes I am told XXXX and other times the representative guesses a different month ). Finally, I faxed and emailed my bank statements on XX/XX/XXXX to show the double payment and then only 1 refund. I called and was told they were never received and that I sent them to wrong fax number. That happened multiple times. Finally, it was confirmed that my fax was received on XX/XX/XXXX and that it would take 24-48 hours to review. I called after 48 hours and was told it typically takes 3-4 business days and someone will contact me. No one ever called me. I called in again and was told it was being worked on and to call back in 2 days. I did this multiple times. I finally spoke to a woman that let me know that my extra payment was probably applied to my principal and it would need transferred to my balance due and she transferred me to another person. This never happened. Today, on XX/XX/XXXX, I called in to ask for an update and no one had heard of my case. I had to re explain what happened and the representative told me he filed a claim to investigate. This is now 16 business days after Ally has received my bank statements by fax. I can not keep explaining my situation, as this company is not diligently working on getting this resolved.

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 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
XXXX called from XXXX First Point Credit Collection and stated i owed over {$400.00} to XXXX XXXX XXXX  For a XXXX  XXXX  i have not had. She said it was for invoice XXXX on XX/XX/2018. 

I find scammer information about this that is very similar. 

I contacted First Point credit and they have no record of debt. They are receiving numerous calls about similar issues. Also XXXX XXXX XXXX is out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
XXXX sold my mortgage loan to US Bank. During the second week of XX/XX/XXXX I called US Bank to inform them about a XXXX city tax bill. I was told the tax would be paid. Indeed on the US Bank website it indicated a tax disbursement paid for the amount due to the city on XX/XX/XXXX. I felt assured US Bank paid my tax. Today a third party agency for XXXX called to explain my tax was NOT paid. They informed me to go to the XXXX XXXX website to verify the tax was not paid. They explained that if the tax was not paid by XX/XX/XXXX, the house could be auctioned off. I called US Bank and spoke to a wonderful person named XXXX in the tax department. She explained, though the US Bank website showed my tax was paid, my tax was NOT paid. She assured me it may take 7 business days to pay the new amount including late fees. I asked her what happened to the money that was taken out of my escrow on XX/XX/XXXX. She could not answer that, instead saying they need to research it. I ask your agency to investigate the odd business practices of US Bank.

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 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent letters on XX/XX/2020 called and went online on XXXX XXXX to XXXX disputing inquires. Also, for Transunion have inquires and a derogatory item from XXXX that appear on my report. My reports shows numerous inquires on my XXXX  credit report and some of the same ones on Transunion. I never applied or authorized these companies to pull my personal credit history to established credit with this companies. Some of these companies I already have an establish relationship with so there is no need for me to apply for credit with them again. Also there are several duplicates that I have ask both bureaus to remove and they have fail to do so.

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 2021-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: TX

Complaint narrative:
Hello, my mortgage company did not pay my taxes by XX/XX/XXXX even though ther funds were in my escrow account. I paid the taxes on XX/XX/XXXX to avoid the late fees. Now my mortgage company refuses to refund the funds to me. I called XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX. They tell me that the tax department is working on this issue. No one has called or emailed me from newday mortgage company. There are 3 taxes I need to be reimbursed : {$950.00}, {$1200.00} & {$1200.00}. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have been receiving emails for over a year now from a company called TRUE ACCORD ( trueaccord.com ) which seems like a debt collections company. They tell me I have a XXXX  balance due and if I dont pay it, it will be reported on my credit. 

I reached out to XXXX  because this was something I was very unaware of, and they looked into my account and said that 1. I have never had a balance due and 2. They dont use any collection companies to collect debt. I have emails as proof. 

I am not reporting this for me, but for the other thousands of people who must be receiving these emails during an economic financial crisis, and are getting scammed into paying these bills they can not afford in fear of their credit being lowered. 

Please do your best to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NV

Complaint narrative:
I found out that in 2018 a eviction record was placed on my name. 
While i never even lived at the addres XXXX XXXX XXXX. 
I called the property and they directed me to a different agency. 
Where i was told, that someone used my name to sign it. 
And used my personal information. Back then i was going through a divorce. 
so only one who ever had access to my personal information was my ex husband. 


Also now the problem is, for an address i never lived at. it causes now issues for me to get a new home. For something i not do, and was not aware off. 

The company in question is not very helpful. they say be more careful with your personal stuff, now you have to pay. 

I am not willing to pay for a fraudulent activity and have a falsely eviction on my name, due the fact someone used my personal information for personal gain. 
and i am now the victim. 


Company involved is XXXX XXXX IQData Inc. who i think is handeling this. 

Also called them, the guy i spoke to said. will make a note that it is fraudulent and file reports But sorry how does this help me get this of my records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is additional information regarding the complaint # XXXX that i submitted earlier today regarding this matter. 
Bank of America credited me with {$73.00} for a fraudulent car rental charge made in XXXX XXXX Bank of America wrongly reversed that credit and charged me the {$73.00}. Bank of America got the {$73.00} back from the dishonest car rental company on XX/XX/2020 but still refuses to give me the {$73.00}. Thus Bank of America got the {$73.00} back from the fraudulent vendor, but instead of giving the money back to me Bank of America is keeping the money for itself. 
As I mentioned in my original complaint filed earlier today, I do not have the computer skills to attach documents that I mentioned in my original complaint.

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 monetary relief
Consumer complaint received 2021-02-10 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
it seems that PayPal has closed my account for no apparent reason. Not sure if this is a mistake because i have been trying to get a hold of PayPal but no answer, which seems to be them not doing their job. i remembered that i am able to file and get this resolved because i feel like they arent doing their job and its effecting my income i have a large amount of money held in my PayPal which were sent by customers to pay for items. which doesnt seem right. my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TN

Complaint narrative:
credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be deletthese companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.

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 2021-02-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be deletthese companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
See attached letter and all paperwork involving the dispute with Capital One Credit card Company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Lending Club Corp
State: WA

Complaint narrative:
My wife made an online purchase from a company in XXXX XXXX using her debit card. The product arrived with no issues but within days of making the purchase her card was being used in XXXX XXXX and online to make attempted purchases. There were purchases for XXXX, XXXX, XXXX XXXX food delivery, local stores and more. It amounted to over {$3000.00}. Most of them were rejected and about {$2000.00} was returned to our account automatically. I called the bank the day they were made and were still pending and filed a fraud claim. They rejected the claim stating that since the CVV was used they can't return the money. We asked that they escalate the dispute and they again denied it for the CVV. Talking to the customer service agent he admitted that CVV information can be compromised. Both my wife and I work in banking and have extensive experience with fraud cases. We know that CVVs can be compromised and we have not been in XXXX for years, I haven't been to XXXX in over 20 and my wife hasn't been in just as many if not more. 

Their refusal to investigate more than the CVV and refusal to refund is goes against our protections and liability for fraud. They won't refund our money, I will also be filing a complaint with the state Attorney General. Please help to resolve this. The bank is XXXX XXXX, they are now owned by Lending Club

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I attempted to pay my mortgage to XXXX XXXX online as I have for years. I could not proceed past an advertising box with a number to refinance my loan. I tried to close it but could not. I tried getting out of the website and going back in but it did not work. The box was still there and would not let me pass. I was being forced to call the refinance number. I do not want to refinance. I tried calling the " customer service '' number on my latest bill. There are no options to reach a human. I paid my bill using " speed pay '', but was not able to tell anyone about my problem. I did an online search for a customer service number but always found only the same number I tried to call or a claim number. NO HUMANS accessible. I also found a lot of comments from desperate people trying to reach a human at XXXX. It seems it can't be done.

Company response to consumer: Closed with explanation