vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax did not get accurate information regarding a dispute I had on a closed account with ally financial. The auto payment has been active since XXXX. No late payments and was NOT included in my bankruptcy. I have contacted ally financial and they are opening this now. My dispute was closed by Equifax and their information is incorrect. No payment has been included on my car loan. I started with a balance around {$9500.00} and down to around {$4500.00} I have 36 months left on my car. Its never been included in the bankruptcy. The bankruptcy was discharged over a year ago with that information as well. How this cant get updated correctly is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was refinancing my home mortgage with XXXX XXXX. They told me not to tell my current mortgage company that I was refinancing. I was approved for a refinance and was told it would take 21 days or less to close with XXXX. I decided to tell my current mortgage company, NewRez, to see if they had a better offer. Low and behold they told me they could match the rate and it would be less on closing costs by about {$1000.00}. I was told by NewRez that the loan would close within 21 to 28 days. So I stopped the loan process with XXXX and began the process with my current mortgage company, NewRez. I started the process with NewRez on XX/XX/2021. My rate was 3.99 %. The refinance rate was going to be 1.99 %. I was told the process would take 21 to 28 days. 

NewRez asked for all my documents such as tax returns, proof of income, homeowners insurance and three months of bank records. I submitted everything on XX/XX/XXXX. As the 28th day passed, I kept sending emails asking what was going on. I was told repeatedly that they were busy. When the 80th day approached, and it still hadn't closed, I asked if they were trying to keep me at the 3.99 % as long as possible. I said I now had lost several XXXX dollars since I was still paying on my current 30 year loan at 3.99 %. All my documentation was submitted back in XXXX, and there weren't any items needed on my part. I have a 800+ credit score, no other debt besides my house, and a 20 % income to debt ratio. There is no reason this loan should take so long, other than NewRez is still collecting 3.99 % rate from me, and therefore not motivated to refinance my loan. I really think they delayed the process so they can have the higher rate. I emailed them numerous times, and they just said they were busy. I am sure they have closed on several loans since XX/XX/XXXX. I believe this is an unfair consumer practice. I called the Federal Reserve, and was told this is typical of lenders, and they can't do anything about it. I called the State Attorney 's Office, and was told that it is unfair but common, but they can't do anything about it. This practice should not be allowed to continue! I can't even believe that lenders are able to do it and no one can stop them. Very frustrated! They finally closed about 60 days later than what I was told. Something needs to be done to prevent mortgage lenders doing this! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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

Complaint narrative:
PayPal closed my account for no reason and does not help me getting it back up and going. I am not sure if it is a mistake as I assume it has to be. I have not been able to get any help from them since a couple of months but I just remembered that I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Concord Servicing Corporation
State: TX

Complaint narrative:
My credit report shows an open account with Concord Financial for {$17000.00} which was last updated on XX/XX/XXXX. The account is no longer open with Concord Financial and should be shown as either closed or cancelled. I called and recorded a call with Concord Financial on XX/XX/XXXX with a third party credit validator for a home mortgage to verify the account was in fact closed/cancelled. I asked Concord Financial to update my credit report and they have not updated my file. It is still showing as an adverse account. I can provide the recorded call if needed to show that Concord does agree that the account is closed/cancelled with {$0.00} due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
We started the refinance of our home on XX/XX/2021. We were told that we would close sometime between 30-45 days. It's been 80 days since we started and all we get is request for the same information over and over again. There is no end in site, this company took our {$500.00} and has failed to deliver the product. They barely respond to calls or emails, and are constantly lying on the status of the file. They say they will call back then do not. We were told we were priority, and that's clearly not true. There is absolutely no reason for this. 

I am self-employed while my husband works for a company, and they are claiming that new XXXX XXXX and XXXX XXXX guidelines are making it difficult on small businesses to get loans due to COVID. I don't believe this to be true at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS I AM VICTIM OF FRAUDI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2021, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
I XXXX XXXX HAVE BEEN A VICTIM OF ID THEFT. IN XX/XX/XXXX I CONTACTED XXXX XXXX TO INQUIRY WHY I HAD A CREDIT INQUIRY FROM THEM. I SPOKE TO XXXX XXXX PROPERTY MGT. SHE SAID NO LEASE WAS OPENED AND NOT TO WORRY..SHE TOLD ME LEASES ARE DONE BY XXXX XXXX. ON XXXX XXXX I CONTACTED XXXX XXXX XXXX AGAIN, AND GOT A RETURN CALL FROM XXXX XXXX. I ASKED WHY HER APT ADDRESS WAS ON MY CREDIT. I GAVE HER THE ADDRESS. SHE ASKED ME TO VERIFY MY INFO. MY SOCIAL WAS A MATCH, PLACE OF EMPLOYMENT AND DRIVERS LICENSE WAS NOT A MATCH. MY DL ENDS IN XXXXSHE THEN TOLD ME SHE WASNT ABLE TO TELL ME ANYTHING MORE. I TOLD. HER HANDS WERE TIED. POLICE AT THE TIME PAID A VISIT TO THE HOME AND GOT NO WHERE. ON XX/XX/XXXX I SPOKE TO A WOMAN AT CENTRAL PORTFOLIO CONTROL AND SHE TOLD ME IT WAS MINE, REFUSED TO LISTEN TO ME, REFUSED TO LABEL THE ACCT IN DISPUTE. SHE SAID LETTERS WERE MAILED TO LET ME KNOW OF DEBT. I NEVER GOT THEM, I WOULD HAVE CONTACTED AT ONCE. SHE SAID THERE MAIL IS IN PLAIN LETTER MAIL AND LOOKS LIKE JUNK MAIL. I TRIED TO TELL HER I WAS A VICTIM OF ID THEFT AND WHEN AND SO FORTH. SHE DIDNT EVEN TRY TO LISTEN OR CARE. SHE SAID PAID THE DEBT.I SAID I WILL CONTACT FTC AND FILE REPORT AND GO THRU CREDIT BUERAU. SHE SAID I COULDNT DO THAT, ITS TO LONG OF A PROCESS. SHE WOULDNT LABLE ACCOUNT AS FRAUD. I THEN TOLD HER TO CEASE AND DESIST. XXXX XXXX A FORMER FRIEND/ROOMMATE OF 10 YEARS, USED MY INFO TO OBTAIN CREDIT. IN XXXX AND XX/XX/XXXX HE WAS ARRESTED FOR FRAUD AND THEFT. HIS PUBLIC INFO WITH XXXX XXXX COURTS SHOW HE USED THE XXXX ADDRESS AND LISTED XXXX XXXX AS A FRIEND CONTACT AT THE ADDRESS. I HAD ALL THREE CREDIT AGENCIES TO REMOVE AND BLOCK THAT ADDRESS. THEY VERIFIED IT WASNT MY ADDRESS AS WELL. 
I ASKED CENTRAL PORTFOLIO FOR COPY OF THE DL/ PAYMENTS/ LEASE INFO WITH SIGNATURE AND OR PAYSTUBS. WAS DENIED ACCESS TO THAT INFO. 

CENTRAL PORTOFOLO CONTROL IS REPORTING AND VIOLATING THE FCRA. THEY NEVER ONCE CALLED ME, I GAVE IN XXXX MY PHONE NUMBER TO MANAGER THERE. THEY NEVER CALLED AND DONT BELIVE FOR A MINUTE THEY SENT A LETTER TO GIVE ME A CHANCE TO DISPUTE. I AM PREPARED TO FILE LAWSUIT WITH THIS COMPANY AND SEEK LEAGAL FEES AND DAMAGES. THEY DO NOT OWN THE DEBT/ THEY ARE COLLECTING FOR XXXX XXXX BASED OUT OF XXXX TEXAS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased 2 flights through XXXX using PayPal. I Cancelled all of the flights after Paypal chose to close my account ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX. However- there is no money back on my card or in my paypal account. Paypal Transaction IDs : XXXX and XXXX. {$13000.00} Paid and no refund. 

I performed a XXXX  complaint and CFPB complaint against Paypal and their response was " On XX/XX/2021, the Merchant attempted to send two payments to your Account for a total amount of {$13000.00} ( Payments ) ; however, these attempts were denied due to the limitation on your Account. As a result, PayPal retuned the Payments to the Merchant and we are declining your request for reimbursement. We recommend that you contact the Merchant directly for further information regarding the location of your funds. '' This is incorrect. After this response, which tells me to contact the merchant, I spoke with XXXX 's executive team via a XXXX and DOT complaint. The refund was not only sent to Paypal, but it was sent with a confirmed refund number and Paypal is either deliberately lying to the CFPB or isn't actually researching the information. 
Transaction XXXX is XXXX REFUND CONFIRMATION NUMBER XXXX in the amount of {$6700.00} refunded through PayPal XXXX XXXX. 
Transaction XXXX is XXXX REFUND CONFIRMATION NUMBER XXXX in the amount of {$6600.00} refunded through PayPal XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
On XX/XX/20, I wrote to Continental Credit Control, a collection agency that was attempting to collect {$2100.00} on behalf of XXXX XXXX XXXX XXXX. I wrote the company asking them to verify the debt and provide me with any documentation showing details of the debt I presumably owed them. I sent the letter via certified mail which they received on XX/XX/20. Continental Credit Control did not respond to my letter and subsequent validation letters that were sent to the credit bureaus. 

As you can see per the attached invoice from Continental, there were two line items in the account summary for {$1000.00} and {$1100.00}, respectively. From what I can surmise, these two amounts equal the amount above that they were trying to collect, which means that they would only report one amount to the credit bureau. However, their malicious intent to inflict as much damage as possible, they reported each line item separately in order to show two collection accounts instead of one in order to make my credit report appear worse than it is. 

However, in spite of my repeated personal request and through CRA 's dispute process, they have failed to provide detailed documentation of the alleged debt. By reporting the collection account on my credit reports that they can not validate, they are providing false information that is damaging my reputation and preventing me from obtaining credit under the best possible terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My capital one credit card was charged on XX/XX/XXXX, by XXXX ( XXXX XXXX XXXX ), for the amount of {$2200.00}, which i did not agree to, for supposed damages to the machine. 
XX/XX/XXXX i was refunded by capital one, and then on XX/XX/XXXX i was charged again because they claim i did not provide sufficient information or evidence. In my responses i noted that XXXX is the one who needs to prove that i damaged the unit and consented to them charging my credit card which they did not provide. I am asking for the full refund, or will be seeking a small claims court litigation to recover the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
There are multiple inaccurate credit inquires on my transunion credit report that I called and spoke to 2 supervisors trying to correct but they refused to correct them. They gave me no solution and told me regardless they don't delete inquires which I know is false information. 


These are the inquires I don't recognize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a platinum Capital One credit card and was approved. I contacted them on several occasions asking if they report to the bureaus in which they answered yes. However, Capital one failed to uphold theyre policy to hep one build credit not harm it. The credit bureaus could not find anything or reporting from Capital One, so I requested to close the account and have my balance ( deposit ) returned. On the other han as a result of their horrible service I now have an inquiry on my report in which I would like removed in all fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 violation Misleading False reporting XXXX XXXX Account Number : XXXX Please investigate that this account is reporting 100 accurate I see so many errors which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX FDCPA Section 807 violation Misleading False reporting XXXX  Account Number : XXXX FDCPA Section 807 violation Misleading False reporting XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX when corresponding with Chase re : mortgage loan ( ... XXXX ) payoff due to an investor interested in purchasing, learned that the balance/payoff on account was over {$29000.00}. When I inquired by secure message on CHASE account website, what happened to my 15year mortgage request of XX/XX/XXXX to rehab historic property, CHASE responded three times that my payments were on time and my account up to date. The representative would also include account activity confirmation. So, when reviewing the account activity, I inquired if my 15 yr home loan was processed as an interest only account ( heard about on TV ) because the chart showed that even though monthly payments in excess of minimum were most often made, the balance remained in the $ XXXX 's for at least 5 months ( for example, reference : XX/XX/XXXX - XX/XX/XXXX on attachment ). I was finally advised finally the account is a 20-year Home Equity Loan yet no explanation re : what occurred to breakdown communication 15yr home loan request. It is my opinion that I was discriminated against in many ways by CHASE as they did whatever they desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CT

Complaint narrative:
After multiple attempts and calling XXXX, I was told by a representative that the company is NOT going to obey the Laws under the FCRA. My information was exposed in the 2017 data breach. The company has refused to block fraudulent information on my credit report which has hindered my ability to obtain credit. They are in direct violation of 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
I ignored the call because it said spam call. They called back. I hung up again. Then they called back for a third time and I told them to quit calling me and that Im at work and can not be on my phone

Company response to consumer: Closed with explanation