vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
All personal items such as social security, passport, W-2 and paystubs were stolen. 

Police Report was filed with the XXXX Sheriff 's Office. 

on XX/XX/2021 an attempt to link an account from PayPal to my checking was conducted. I cancelled the account and had PayPal remove my account. PayPal would not release the email of the person attempting to gain access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I reached out to the law firm/collection agency to inform them that the information that was being reported on my credit was inaccurate and does not belong to me. The information thats been reported is an account I supposedly have with blink fitness that was opened on XX/XX/XXXX, however I moved from New York XX/XX/XXXX, I wrote a letter requesting verification of the debt and also made calls to the law firm informing them that this information is inaccurate and The account must be a fraudulent account, which does not belong to me and should be removed from my credit report, to which they insisted that I pay the debt and that their information that is being reported was received from their client ( XXXX XXXX  ), and is assumed to be correct and is going to continue to be reported until I pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: DISCOVER BANK
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
The night of XX/XX/XXXX I started an application for Amerisave. Before completing the application I was asked to pay {$540.00} for an appraisal. I messaged XXXX XXXX about it and she stated that is something I will have to do to proceed with the application. So I did so. I proceeded with the application and uploaded documents from the tabs they brought up. I mentioned prior to applying to XXXX XXXX that I need to get a pre-approval in writing and a letter of guarantee so that I know I will be able to receive a mortgage. I have yet to receive any letter for anything Ive asked for. But Im asked to keep uploading documents. I recently let them that they are in violation. I know there was a lawsuit in XXXX about this. It appears that they are still doing the same things as they were from seven years ago. I refuse to be another victim. I have consistently reminded XXXX XXXX and XXXX XXXX that I request to have a letter of approval in writing. Their portal does not allow me to see what I have uploaded nor see a pre approval letter for me to print out. Two days ago XXXX XXXX mentioned that if I upload my school info and my W-2 that I would be able to get a letter and I did so and I still dont have anything because XXXX XXXX was to clear credit and income. Please address this as I am trying to get my {$540.00} back. I have no information as to where my progress is with them and I find it unprofessional.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA processing my loan XXXX XXXX and XX/XX/2021. After I received a copy of the notice of value they changed the repair requirements and never sent it to me. It was 20 days later when they sent it to me and said I could pay extra to extend the rate lock since I didnt get the repairs finished. I was told that only the processor received the updated XXXX and I should just go on that even though I didnt see it until 5 days before trying to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried numerous times to have the CRA remove erroneous and outdated information from my credit report. I have sent a copy of my license and proof of address and they continue to do nothing about correcting their reporting.

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 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
Caliber Home Loans does not offer a way to speak to a human being. They have an automated attendant that loops customers around only people wanting to begin a new loan have the ability to speak to a person. I believe customers are legally entitled to a number where they can speak to a person about their current loan. A very suspect company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I came to learned of 3 Bank Of America account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within 7 business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person ( s ) who committed the fraud but Bank of America made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report.

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 2021-07-21 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: GA

Complaint narrative:
Since XX/XX/2021, I have been trying to get the personal consumer statement on my personal credit file removed. I have spoken with several Equifax representatives who state it would be removed in 30 days but, the consumer statement still remains. I just recently spoke with the representative by the name of XXXX, and he stated that I needed to submit my documentation once again. Besides speaking with multiple representatives, I have sent letters, one certified, with my documentation and still no results. I have called XXXX  and XXXX  and they were able to remove the personal consumer statement over the phone right then with no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ATTENTION EQUIFAX, XXXX, XXXX XXXX XXXX THIS IS XXXX XXXX, THIS IS NOT A THIRD PARTY REPRESETATIVE. ALL THESE STATEMENT ARE FACTUAL AND MY OWN WORDS. 

On XX/XX/2021 I sent a letter regarding accounts on my consumer report which are in violation of federal consumer protection laws and that I requested to have remove because of such reason. I've recently mailed a follow up letter on XX/XX/2021 via certified mail to address the inadequate investigations into the incorrect information you have listed on my consumer report.

Regarding the accounts named ; US Department of Education. There are four different account with four different balances, two different opening dates, and one account number. And you claim these are accurate and valid but have yet to prove it pursuant to USC 1681g.

Along with the violation listed below that has been quoted from my letter, " Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. According to Congress the definition of a credit card is the same in 15 USC 1681 as it is in 15 USC 1602. Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. '' And lastly with the major violation " pursuant to 15 USC 1692e ( 14 ) which prohibits. " The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. On my credit file it does not state the true name of the debt collector Which is a third party contracted to the alleged debt. ". If the prior investigations were done properly and under the statue of the law we wouldn't have this issue. 

When I call and relay these concerns to your customer service staff I receive rude and unsatisfying service that tends to ruin my day. I do not appreciate the harm and damages done by your agency due to your carelessness for consumers through your improper reporting methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Klarna AB
State: FL

Complaint narrative:
The ability to make payments through their app was modified and i was not able to log in, i had to mail in a payment and then i received a late fee because i didnt make the payment on time. Their faulty app not working was the reason i couldnt make the payment on time. They refused to waive the late fee and they are threatening to issue more late fees if i don't pay the late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX of 2021 I transfer money from my bank account with I think I need to to my cash app out in the amount of {$390.00} to half of spending for an out of town vacation or trip with my kids. When I transfer the money that day later on that night I noticed that {$390.00} was taken out of my account for otherwise emoji or a transaction that I was unaware of. I contacted CashApp numerous times that week and day to have my money refunded and called them numerous times to file a dispute where it was only recognized yesterday after 21 days and the whole dispute process has started thats result in at 45 days in me losing my {$390.00} this is created the economic hardship it has prevented my familyTo be able to survive in every day living. Every time I do a dispute or report any accusations to get out they only email instructions on how do you glad to add and support or disclosures on a process of what to do rather than being able to speak to a live agent in resolving the matter that results in lost or stolen or scam fraud or money. I have been waiting and consistently communicating to have a refund sent back to my car with this company has refilled the system and resolve them to prevent the economic hardship they have calls to my house all financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2021, I received a suspicious text message purportedly from Wells-Fargo Bank, stating my Debit account is locked. The subject line in the text gave a contact phone number as XXXX XXXX XXXX XXXX. I looked up the phone number on several online Reverse Phone Number sites, and all the sites gave me the same name of a supposedly real person ( XXXX XXXX ) including a home address ( XXXX XXXX XXXX, XXXX XXXX GA XXXX. I did not attempt to call this number/person, but notified Wells-Fargo XXXX in XXXX. Wells-Fargo confirmed that my Debit Account was not locked and is current. Wells-Fargo didn't seem interested in pursuing this any further, only stating that this was " possibly a scam attempt ''. Since there was an actual phone number and it was associated with a real person, I thought Wells-Fargo Bank would want to pursue this further for possible prosecution.

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 2021-07-21 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: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX A Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I checked my credit report in early XX/XX/XXXX and saw a debt that had gone to collections for a company called Synchrony in the amount of {$2000.00}. Per the credit report, that account was opened on XX/XX/XXXX. I never opened that account. While I have no direct proof, I believe that the aunt ( XXXX XXXX ) of my estranged XXXX XXXX ( who has custody of said daughter ), fraudulently opened this account to buy furniture. A company called me around the time the account was opened and told me that I bought some furniture and I had not and told them so. In any event, I certainly did not open this account and this is not my debt. I contacted the fraud department at Synchrony, but they asked me to provide my SSN, which I was not comfortable doing, especially given the circumstances.

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 2021-07-21 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have had a personal line of credit withWells Fargo. I had made a payment on this line of {$720.00} on XX/XX/2021. Evidently, they did not receive this. I then called them to assure this would not get reported to a credit agency and we agreed to go on a payment plan. Then, the account was closed and I was to pay {$650.00} per month and I was assured this would not go on my credit report. Unfortunately, it did. I was misled by Wells Fargo. 

In addition, They have not been accessible by phone. When I spoke to them in XXXX the account was to be " reset '' and no adverse credit reporting would take place. Unfortunately. my credit has been impacted almost 100 points. This is particularly unfair since I took the proper steps in managing this account. I was proactive.

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 2021-07-21 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft WF BANK NA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I recently discovered 6 different collectors that was recently reported to my XXXX  credit account that doesnt belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, I ordered an item from XXXX. I paid $ XXXX via Paypal XXXX I immediately received a notice from XXXX that the item I ordered was out-of-stock. The retailer also refunded the purchase immediately. 

Days later, the refund is still not available to me. I contacted Paypal twice to request that my funds be credited back to my account. I was told that this is not possible. 

Paypal now has a " hold '' on the refund, and is refusing to release the funds until XX/XX/XXXX.

Company response to consumer: Closed with explanation