vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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: ND

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 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: FL

Complaint narrative:
I am writing to you regarding the situation that happened with me recently. I just checked my credit report I found there inquiries and accounts that are not mine, I guess someone just simply used my personal information so could you please let me know what shall I do with it is, as its destroying my financial situation and I can not move on absolutely .... I hope that this misunderstanding and misleading information will be destroyed.

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 2021-05-11 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:
I am writing to you regarding the situation that happened with me recently. I just checked my credit report I found there inquiries and accounts that are not mine, I guess someone just simply used my personal information so could you please let me know what shall I do with it is, as its destroying my financial situation and I can not move on absolutely .... I hope that this misunderstanding and misleading information will be destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
I entered into a Forbearance Plan with XXXX XXXX XXXX, effective XX/XX/XXXX through XX/XX/XXXX. The agreement states, " If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. '' When I entered the plan, the account was not delinquent. I made the XX/XX/XXXX payment on XX/XX/XXXX ( which was 29 days late, but not yet 30 days late ). A late charge was assessed to my account on XX/XX/XXXX, as the payment was not received between XX/XX/XXXX and XX/XX/XXXX. Therefore, I entered into the Forbearance Plan with my account in good standing. I continued to make payments while under the Forbearance Plan in both XXXX and XX/XX/XXXX ( on XX/XX/XXXX and XX/XX/XXXX respectively ). I did not make payments in XXXX, XXXX, or XXXX of XXXX ( as allowed under the Forbearance Plan ) and according to the rules of the Forbearance Plan, these missed payments are not to be reported to the credit reporting agencies. I completed the sale of the property for which this mortgage was secured on XX/XX/XXXX. XXXX XXXX XXXX received the total payoff of the loan including the outstanding balance, the missed payments for XXXX of XXXX, and all the late charges due on the account. This payment was made within the Forbearance Plan term, and according to the rules of the Forbearance Plan, bought the account current and requires XXXX to report the account as current to the credit reporting agencies. 
In fact, XXXX issued a {$220.00} refund check back to me on XX/XX/XXXX due to overpayment of escrow on this account. However, in violation of the terms of the Forbearance Plan and the federal CARES Act, XXXX  XXXX XXXX reported this account as paid, but 90 days late to Transunion. I demand that XXXX XXXX XXXX correct this information immediately, as this account was paid in full during, and according to the terms of the Forbearance Plan. This is a malicious attempt on behalf of this company to harm me personally as a consumer and violates my rights under the Consumer Financial Protection Act. I have attached documentation supporting my account above, to validate the veracity of my claim.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt was still reporting. I immediately called and settled this debt as I had completely forgotten. I never received any notices, calls, letters, etc about this debt. This violates my 30 day right to dispute under the FDCPA and FCRA and it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I asked for amerihome mortgage to please stop calling me and to place my number on the dnc list. On XX/XX/XXXX they called my number again after I requested a dnc so the prior individual did not record the dnc which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Resource Systems, Inc
State: FL

Complaint narrative:
A few months ago I went to XXXX XXXX  because I have three XXXX XXXX  that were causing me issues. I did not have the adequate insurance, so the dentist was kind enough to offer one of the services for free, while I paid the remaining balance with a credit card. A few weeks after that, I received a bill from XXXX stating that I had a balance of about {$100.00}. I called XXXX, and told the young lady that they had sent me a bill accidentally because I did not owe anything. The young lady agreed and stated that she will ensure that the billing department fixes the issue. I received a second bill, and I called again. I was told that the issue was resolved and it was evident I had a {$0.00} balance. Today, on XX/XX/2021, I received a bill from XXXX XXXX XXXX stating that my XXXX account was sent to them and that I owe {$130.00}. The account # on the notice is XXXX. I contacted the collection agency and they told me that if I can obtain paperwork from XXXX, the debt would be removed. I have called XXXX and left voicemails. I have not been able to speak to anyone as of yet.

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 2021-05-11 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: WA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi DoubleCash credit card for which I requested a cash back check in the amount of {$620.00} in XX/XX/XXXX. When I didnt receive the check by mid XX/XX/XXXX, I called the Citi customer support line. After several calls over a two-month period, I was eventually told the check had been cashed and that a copy of it would be sent to me. Since I never received and/or cashed the check, a crime was committed. 

I eventually received a copy of the check from Citi and I reiterated to Citi that it wasn't my signature on the endorsement line. In XX/XX/XXXX, Citi asked me to provide additional information ( by filling out a fraud form ) and affirm that it wasn't my signature on the endorsement line. I did as requested. But in the ensuing months as I've attempted to resolve this issue, Citi has only responded to me with additional copies of the check and letters saying that the check was cashed. An example of the responses I've received since XXXX is provided by the XX/XX/XXXX letter that I've included with this complaint. 

No one at Citi has been willing to provide me with information to report this crime. I would like to file a police report with my local police department. Ive asked Citi, both over the telephone and in a letter, how I can get additional information about this transaction such as where the check was cashed, was it deposited into an account and whether any identification information was recorded when the person cashed the check. 

As I stated, in response to my written and telephonic inquiries, Citi simply responds with another copy of the check and another letter stating that the check has been cashed. The company seems unwilling to make me whole ( by remitting the amount of the check ) or to even provide me with any information about this crime.

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 2021-05-11 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 EDD/Bank of America account. 

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

On XX/XX/XXXX, I used my EDD/Bank of America app to check my account balance but the account had been locked so I could not access my account or see my statement. I then called customer service to tell them I could not access my account. I was put on hold for over 30 minutes. When I finally spoke to a representative, I 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 5 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. 

Thursday 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 EDD/Bank of America account and stolen {$5000.00} and when will I be compensated.

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 2021-05-11 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 ( Original Creditor : XXXX XXXX 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 {$320.00}. 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 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal is stopping me from access to my account due to and identity issue of me using a ein and not a social security number. 

I have been stop from doing the works of my Heavenly Father. 

Privacy Act of 1974 552a note ( Disclosure of Social Security Number ) ) provides that : It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual 's refusal to disclose his social security account number. Sec. 7 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO YOU BECAUSE THE ACCOUNT OF XXXX XXXX IS REPORTING INCORRECT OR NOT THE SAME INFORMATION ON EACH BUREAU. I DO NOT BELIEVE THAT THE AGENCIES ARE DOING WHAT THEY ARE SUPPOSED TO BE DOING WHEN IT COMES TO INVESTIAGTING THIS REPORT. I AM BRINGING THIS COMPLAINT TO YOU BECAUSE UNDER THE FCRA THIS ACCOUNTIS AN INCOMPLETE ACCOUNT. IF YOU NOTICE ALL BUREAUS ARE REPORTING DIFFERENT INFORAMTION. THIS CLEARLY SHOWS INACCURATE INFORATION AND THAT THE COMPOANY IS INACURATELY REPORTING FALSE INFORMATION. THIS COMPOANY ALSO IS A FRAUDULANT COMPMAY WHERE AS I HAD REQUESTED VALIDATION OF THIS ACCOUNT AND THEY COULD NOT PROVIDE ME WITH ANY OF WHICH I WAS REQUESTING. IF THE OTHER TWO ARE REPORTING CURRENT AND POSITIVE WHY THE XXXX IS THIS ACCOUNT REPORTING THIS WAY INTRANSUNION?! I WOULD LIKE FO RIT TO BE REMOVED FROM MY REPORT WHICH IS HOLDING ME BACK FROM MOVING FORWARD.

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 2021-05-11 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: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company ( Original Creditor : GMAC ) 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 {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am current on my mortgage but the payment for XX/XX/XXXX I dont have the current amount. Im trying to get approved for a forbearance but they keep offering a loan modification, but cant qualify for that since my credit score is low. Ive asked them several times to assist me with a forbearance but not helpful at all. I dont want to default on my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: WA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MI

Complaint narrative:
Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for ligitation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Link USA, LLC
State: WI

Complaint narrative:
There appears to be a discrepancy in my loan contract vs my actual payment schedule. I paid extra toward this loan and my payment amount has not gone down. To date I have paid {$450.00} on a {$500.00} loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 : 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 {$200.00}. 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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Someone hacked my account and is now using my identity to contact you. My name is XXXX XXXX XXXX and they contacted you as XXXX XXXX that is not me. Please fix this. I am the real person.

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