vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: The CBE Group, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
XXXX put a hold on my orders in XX/XX/2021 for an outstanding balance of aprx. {$80.00}. On XX/XX/XXXX I contacted the XXXX party collector and resolved the balance. When I place orders with XXXX, they are canceled. XXXX states, that the XXXX party collector has not provided them with the information to prove my account is resolved. I called the XXXX party collection company and they informed me that they are not obligated to report to XXXX. This is the exact opposite of what XXXX 's cancelation latter states. I asked the XXXX collection agency how ill XXXX known my account is clear and they informed me that the company that processes the payment will inform XXXX. After explaining this to a customer service representative from XXXX, I called the XXXX party collection agency with the XXXX rep on the line so they could listen as I was able to confirm that my account with them was clear. 
I have a gift card on file with XXXX and I am unable to recover my funds. This is unfair since I am unable to use my account for orders. I have made several calls to all agencies involved to reactivate my account. 
I need help resolving this matter because each agency keeps pushing me off to another agency and no of them are trying to help resolve the issue.

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 2021-05-16 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: PA

Complaint narrative:
I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course. i only participates in credit transactions for family, personal and household purposes 15 1692a. CKS FINANACIAL violated 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Validation of the debt XXXX an XXXX XXXX pursuant to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$740.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I purchased a used car for with a purchase price of less than XXXX. They used Credit Acceptance Corporation to finance my loan. The interest with them was around XXXX which was extremely high. I had major issues with the car. After the struts were done by the dealership, the car literally had to be welded back together due to the fact that it was too dangerous to drive. On top of this, they installed a Starter Interrupter Device on my car which I was not aware of. I was not informed of this, instead, I was told that there would be a system if the car were to get stolen. I found out that there was a tracking device that was put onto my car without my knowledge that was " wired '' from the pedal to the steering wheel. The problem is that the device was malfunctioning and becoming very dangerous for me to drive. I called CAC back in 2019 to inform them of the dangers of this and they would not give permission to the dealership to replace the device or remove it. The device became more and more dangerous and started causing electrical issues with my car to the poinXXXX I was getting XXXX XXXX from the pedals in the car from the wiring. There was literally a live wire coming from the device. I wound up in the XXXX  and XXXX XXXX and have racked up over XXXX in medical bills and I have a car I can not drive due to the fact that it is too dangerous. The mechanics told me that the device screwed up the electrical system in the car and the one mechanic said that it had a live wire coming from it and that is why I was getting XXXX and XXXX from the car. These devices can be dangerous and Credit Acceptance knew about the issues and would not do anything to fix this until the car was paid off in full.

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 2021-05-16 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: OH

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Please help its been frustrating time with the covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing in regards to the apparent fraudulent access to my XXXX/Bank of America account. 

On XX/XX/2021, I used my XXXX/Bank of America debit card at a Bank of America ATM XXXX XXXX XXXX XXXX XXXX CA XXXX and withdrew {$1000.00}. 

On XX/XX/XXXX, I used my XXXX/Bank of America app to check my account balance but the account had been missing {$2000.00} I then called customer service to expressed my concern about the fraud and they said that they had fixed the problem but gave me no solutions other than that they would send me a new card. They said that 2 separate withdrawals of {$1000.00} from the XXXX XXXX area during the days of XX/XX/XXXX - XXXX. 
I have never given my card to anyone, never used it online, I only use it at a Bank of America ATM near my house XXXX XXXX and definitely dont travel to XXXX California. 

Monday XX/XX/XXXX I called the claim office where they said that the case was already closed but then reopened but still not providing me with any answers as to how these withdrawals happened or what would be done to compensate for the theft of my money. I dont understand how the case was closed without informing me about the investigation and without a resolution in place. All I am asking is for an investigation into how and who has accessed my XXXX/Bank of America account and stolen {$2000.00} and when will I be compensated. I trust your bank under the assumption that my money is safe there, and during this pandemic, XXXX is extremely important for the survival of my family. What safeguards are implemented to prevent this type of theft and when can I expect any information that will resolve this? Please respond as I am very concerned about any other additional fraud that may occur during this correspondence. 

Sincerely,

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 2021-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
under my credit report it is showing that XXXX XXXX is /has been sent to collections. The account has a balance due of XXXX and that is a inaccurate balance. I have disputed it with experian numerous times but they never remove or take anything off my report and they continue to make my score drop lower and lower as time passes by. I am XXXX and has been affected by the covid 19. I have documentation if you need this as formal proof. I have been trying to get the account closed and im not showing this has happened either. This is so sad to be happening to someone in the situation that I am in.

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 2021-05-16 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: CA

Complaint narrative:
I am the victim of identity theft and fraud. FTC Report XXXX : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities. 

While XXXX has made some effort to make corrections they have not made all of them. 

Similarly XXXX has made some corrections, but not all of them. 

Transunion has made no effort. In fact, unless I pay them {XXXX} I'm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {XXXX} fee. To this date they are difficult to work with, to the point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than XXXX somehow magically finishing their investigations on the same day I disputed the inquiry ... even if I disputed at XXXX at night! XXXX : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2021-05-16 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: CA

Complaint narrative:
I am the victim of identity theft and fraud. FTC Report Number : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities. 

While XXXX has made some effort to make corrections they have not made all of them. 

Similarly Equifax has made some corrections, but not all of them. 

XXXX has made no effort. In fact, unless I pay them XXXX XXXXm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {XXXX fee. To this date they are difficult to work with, to the point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than Equifax somehow magically finishing their investigations on the same day I disputed the inquiry ... even if I disputed at XXXX at night! XXXX : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was unemployed and receiving unemployment benefits from the Maryland unemployment, however the Maryland unemployment agency randomly selected some unemployment accounts that were using Bank of America debit card as payment method for a identification verification purpose. which means that my UI debit card was also put on a temporary hold/Deactivate. The identity verification review process were completed and, my account was clear and open by the Maryland unemployment, however My UI debit card remains closed. The Maryland unemployment contacted Bank of America to open my card and reactivate my debit card on the XXXX of XXXX up till now they have refused to do that. Multiple emails has been sent to Bank of America in regards to reactivating my UI debit card, but bank of America has refused to open my Unemployment debit card.

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 2021-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
XX/XX/16 : received a bill in the mail for my real estate property taxes, half 1, in the amount if {$1000.00}. I have been paying into my mortgage with VHDA from my monthly payments and so my property taxes are supposed to be paid by my lender. By me getting this bill, I can only assume they have not paid them for 2021 year. This lender has been paying my property tax for the past two years. I have not changed lenders, I have not refinanced my house, nothing has changed except I switched insurance companies for my house. I do not understand why I am getting this bill when I have not received one before. They have always been paid by my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g and XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Reference Complaint No. XXXX On my previous complaint I stated how my checking account had a number of fraudulent charges from ( unknown to me XXXX locations in XXXX and XXXX along with a charge from the franchise tax broad, XXXX of which I had resolved with the tax broad on my own and the funds had been placed back into my account by the tax broad ) and deduction/withdrawal errors by WellsFargo which put my account in the negative. The deduction errors by WellsFargo occurred during the same time that the tax broad refunded the withdrawal they had made from my account. 

Now, on this morning XXXX XX/XX/2021 ) I called the bank to check the balance on my account only to find out that it is back in the negative again. 
I immediately went online to see what the issue was only to discover that WellsFargo has removed funds out of my account again without any notice to me.

My checking account balance is now - {$400.00}. The bank has not even given to me a comformation on the fraudulent charges claims of which I submitted, per my initial complaint. The new deduction to my account from WellsFargo states that the charge was deducted on ( XX/XX/2021 XXXX and the posted transaction shows ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM XXXX ), and the amount is {$410.00}. 

There are no details of exactly what the charges are/or what merchant these charges are from.

I would like to know from WellsFargo exactly from which merchant is trying to reverse charges back to me because, as stated in my previous complaint I do not have any dealings with any merchants in XXXX or XXXX. Therefore, I am requesting that, in order to eliminate another negative balance on my account WellsFargo reinstate the funds of {$410.00} back into my account.

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 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCORPSOUTH BANK
State: TX

Complaint narrative:
I show a escrow account with a negative balance. I do not believe I authorized the creation of an escrow account. I have tried to contact the company to inquire about this issue through their online portal ( no response within stated 24-48 timeframe ) and via email ( received automated response that my gmail account was not trusted ). Without the ability to receive a documented response from the company, I am seeking assistance from your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: N26 Inc.
State: MI

Complaint narrative:
N26 BANK NOTIFIED ME THEY ARE CLOSING MY ACCOUNT. THEY CLAIM THEY ARE SENDING ME A CHECK FOR MY ACCOUNT BALANCE WHICH ISN'T MY ACTUAL BALANCE. THEY ARE MISSING DEPOSITS TOO. THEY REFUSE TO PROVIDE ME AN ACCOUNT STATEMENT OR TRANSACTION LIST. THEY ARE REFUSING MY REQUEST TO REPORT FRAUDULENT TRANSACTIONS. 

THERE RESPONSE WAS TO LAUGH AT ME ON THE PHONE AND HUNG UP MULTIPLE TIMES. THIS BANK IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN. THEY OWE ME THOUSANDS OF DOLLARS.

Company response to consumer: Closed with explanation