vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}

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 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, I installed solar panels, and initiated a loan for the panels themselves through Loanpal. Shortly thereafter, I was contacted by a salesman for Loanpal, in the Mortgage department, who offered me a re-finance mortgage on my home, for which the sole purpose was to pay off the solar panel loan completely, and roll that into the mortgage. I dealt with the Loan Officer XXXX XXXX and the processor XXXX XXXX. During this time, my roof was also damaged by Hurricane Sally. This roof damage became important during the appraisal phase, but I was assured by XXXX and XXXX that if the appraisal was low because my roof had not been replaced yet, that could be handled. Regardless, the entire process of closing the Mortgage went fine, as far as I knew. There was NEVER any indication from Loanpal that my solar loan would not be FULLY paid off by the mortgage. Neither my wife nor myself would have agreed to go forward with the mortgage had we been told it would not pay the solar completely off. 
In XX/XX/XXXX, the mortgage has closed, and been sold to XXXX XXXX. I begin to get calls from Loanpal XXXX, indicating that I am behind on my solar payments. When I call to explain that they should speak with their mortgage division, they tell me that only PART of my solar loan was paid off, and that I still owe XXXX plus dollars for my solar loan. I contacted Mr. XXXX, and he insists that he and/or XXXX must have told me this, however neither my wife NOR I would have accepted these terms were we told. MrXXXX XXXX then insinuated that I must not have read my disclosure, as he claimed the disclosure made it clear that my solar loan would not be paid off not matter what deception might have happened verbally. I did go back and look at my disclosure, which did show the amount to be paid to Loanpal by Loanpal. {$36000.00}. However the disclosure document did NOT indicate that I would still owe on the solar loan, and I reasonable thought that Loanpal Mortgage was getting a discount on the payoff, as I was dealing with two divisions of the same company. I believe Loanpal uses deceptive practices to lure consumers into a loan under false pretenses, and I now have two loans, when all I ever wanted was to refinance my home based on the promise of paying off my solar loan. Again never ONE TIME did anyone from Loanpal tell me anything other than that my solar loan would be completely paid off by the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the night of XX/XX/XXXX, I went on my chase online banking app and it opened to a message that my account was locked and to call the customer service number provided to unlock it. I called the number immediately and was told that my account was not locked, but closed and that I was no longer able to do business with chase. When I asked why they would not give me any answer. When I asked for a balance of my account to make sure that all of my money was still there, they told me that I couldnt request my own balance from my account. When I asked for my money back I was told that I needed to go to the closest branch. The following morning I went to the chase branch at XXXX XXXX XXXX XXXX in XXXX. I was told to provide proof that I was receiving unemployment from XXXX. Not knowing why I had to do this to get my own money back, I still provided proof. They told me to wait for the documents to get to my profile and to call customer service again to see when and how I would receive my thousands of dollars trusted to this bank in my account. Today, XX/XX/XXXX, I called customer service to get my money sent to me. I was told that my account was under investigation but would not tell me why, they would not tell me the balance in my account so I could make sure I was getting back everything, they also were very unclear if I would get all of my money back. Then I was told after the investigation it would take 7 to 10 business days to get a cashiers check with the unknown remaining balance. In the middle of a global pandemic, when people need it most, they have taken every dollar I have hostage and have given me no reason for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: VA

Complaint narrative:
XXXX and Equifax are both reporting a company on my consumer report that is a direct violation to my privacy as a federally protected consumer. 
Direct violation to my HIPPA rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Transaction from XXXX XXXX were made on our credit card without permission in XX/XX/2020. Since then I've submitted appeals to the fraud case every month to get Chase to realize we never granted permission to this company. 

In a detailed letter we shared the FBI agent 's contact info to confirm this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: MD

Complaint narrative:
On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until LOANCARE took over my mortgage and I had a complaint against them before and the LOANCARE said that they remove my Loan form my credit report, now I just checked my credit report and LOANCARE still showing in my credit report, I want LOANCARE to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with LOANCARE, I believe the LOANCARE did a violation of the Bankruptcy.

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 2021-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2021 I applied for an auto loan with NFCU. On XX/XX/2021 I received a call requesting that I lift a credit freeze on my credit bureau ( XXXX XXXX ). I lifted the freeze at there request, as was declined for the auto loan. I followed there appeals process after speaking with a supervisor XXXX. I was informed that a second credit bureau pull would NOT be required. XXXX transferred me to a specialist who read me a disclosure indicating that an additional credit bureau report may be pulled. I let them know and it was documented on my appeal that I did not want a second credit bureau report pulled. This information was documents on the appeal and the member service rep that I spoke to could see it clearly on the request. NFCU did pull a second credit bureau ( XXXX ). This was not authorized and I would like it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Regarding Dispute XXXX. 

Citibank is in blatant disregard of Regulation E and has not provided my account provisional credit related to a credit card dispute, within 10 business days. On XX/XX/2021, Citibank sent me a letter stating the following : " A review of our records indicates while investigating your dispute, we inadvertently issued two conditional credits for this charge. To correct this error, an adjustment to reverse one of our credits will appear on a subsequent statement. '' The above statement by Citibank is inaccurate and I was not issued two conditional credits in error. I have two charges for {$820.00} to XXXX XXXX XXXX on my credit card account and neither is authorized. 

I have tried to resolve this error with Citibank on numerous occasions through contacting them by phone and email. Each representative I have spoken to on the phone has advised they also agree the provisional credit should be reapplied and they'd get it corrected. 

My contact with Citibank is outlined below : On XX/XX/2021 - Called Citi to as when provisional credit would be re-added and was advised it would be corrected. 

On XX/XX/2021 - Emailed Citibank to follow up on error. 

On XX/XX/2021 - Called Citibank and again was promised the error would be corrected. 

On XX/XX/2021 - Emailed Citibank stating the error has yet to be resolved and if the credit was not received, I would file a complaint.

After four attempts to rectify this issue, Citibank has not applied a provisional credit to my account and is in blatant violation of Regulation E. Citibank has shown a deliberate disregard for Regulation E and their dispute department is either understaffed or undertrained.

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 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020, PAYPAL XXXX charged my XXXX credit card {$1600.00} for a ebay shipping transaction that should have been {$16.00}. ( Screenshot # 1 ). I immediately contacted XXXX/PayPal and they let me know they knew of the issue and it would not post on my account. 

3 days later the charge posted, I then opened a dispute with XXXX, and received a credit for {$1600.00}, the difference of {$16.00} is for the true cost of shipping. 

I then had a hold placed on my PayPal account for {$1600.00}, the amount credited by XXXX, and when I received money into my account for a different transaction, PayPal held these funds. ( Screenshot # 3 ) Summary : PayPal charged {$1600.00} for a {$16.00} transaction Charge posted to my credit card, dispute opened and I was credited {$1600.00} PayPal placed a {$1600.00} PayPal has now held {$1600.00} from a separate transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint about Mechanics Bank wrongfully withholding my funds that were fraudulently taken from my account in XX/XX/XXXX. Mechanics Bank had informed me it would not credit back my funds for 6-8 months in spite of my demand for return of my funds. Once I hired an attorney for {$500.00}, and submitted my complaint to CFPB, complaint # XXXX, Mechanics Bank did return my funds, responding only to CFPB, never mailing me a copy. I have since obtained a copy and in that response dated XX/XX/XXXX, and the bank flat out lied by misinforming the CFPB. Specifically, in the statement that " a credit in the amount of {$4400.00}, which represents the total of the three altered checks, was credited to your new account ending in XXXX on XX/XX/XXXX. An Honor Letter confirming the results of the investigation was sent to you via the United States Postal Service on or around XX/XX/XXXX. Additionally, on XX/XX/XXXX and XX/XX/XXXX, two employees of the XXXX XXXX branch spoke to you and communicated the credit to your account. '' Firstly, if in fact Mechanics Bank had saw fit to do the right thing and return my {$4000.00} I never would have had to hire an attorney and incur the {$500.00} expense. Secondly, Mechanics Bank employees have never saw fit to ever contact me in writing or otherwise. Therefore I NEVER received any type of letter, " Honor, '' or investigative report result or telephonic contact to advise of any type of result or return of my funds. Had Mechanics Bank personnel saw fit to return my funds and advise of doing so I NEVER would have had to contact the CFPB. For Mechanics Bank to send the CFPB it's fabricated response is purely self serving and false and was done simply because it knew it had failed to protect its own consumer from its own employees failures. Mechanics Bank DID NOT credit my account {$4400.00} as it stated it did so. It was only {$4000.00}. I am still owed {$500.00} for the attorney 's fees I incurred as a result of its failure to provide me with my funds I was rightfully entitled to under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
i filled a complaint that is recently new the number is XXXX this debt was not mine as you read the letter this is way pass statue of limitation beside that the debt was sold off back in XXXX that was closed!!! 
the number is XXXX COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXX Incorrect information on your report AMERICAN EXPRESS XX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Company responded Closed with non-monetary relief

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( COMMONWEALTH FINANCIAL SYSTEMS ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( COMMONWEALTH FINANCIAL SYSTEMS ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethic 's violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I reached out to XXXX/comenity about a bill i received on XX/XX/XXXX and XX/XX/XXXX. I had been in contact with another bank because I recieved notice that a new account had been openend with XXXX under my name. 

I told the bank I hadn't used the card in years and last time I tried to use it, XXXX had told me it wasn't actice anymore. 

I let them know I hadn't used my card and i didnt make any purchases with XXXX XXXX 's at that time. They told me they'd open a case for the charges. I asked of I needed to do anything on my end like file a police report and they said it wasn't necessary to do that. 

Just recently I received a bill saying the charges will still active and being billed to me. I called the bank back and all they said was their investigator said that XXXX XXXX 's said the card was physically there and the charges were being billed to me. They said they'd resubmit to see of anything comes back different but that they didn't think it would change the results. 

They never reached out to me to verify my picture to see if it matched anything or my signature. They also never contacted me afterwards with anything relating to the fraud case they created.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Receivable Solutions received a certified letter from me on XX/XX/XXXX requesting they validate 5 debts they are reporting to the credit bureaus in the amounts of : {$80.00}, {$82.00}, {$220.00}, {$240.00}, and {$80.00} 30 days expired and I received no response. 
I sent a second certified mail letter requesting since they have not validated these debts to delete them from my credit reports. They received the letter on XX/XX/XXXX. 

I received the first correspondence today stating they are only investigating one account and to allow them 60 days to validate the account. They are only allowed 30 days and that time period has lapsed...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have tried to get the company to stop reporting incorrect information, they aren't responding to my correspondence and I want to deal with the original creditor.

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