vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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 DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, 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 explanation
Consumer complaint received 2020-10-13 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
The collection agency has been reporting that I have an outstanding debt since 2017. However, they failed to advise the validity and rights of the debt. Specifically. Article 809 a - 1 through 5 and article 899 b and c. Please delete from the credit bureaus XXXX, XXXX, and XXXX  since you guys trampled my rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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 have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX County where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.

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 2020-10-13 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: FL

Complaint narrative:
I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX County where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
During XX/XX/2020 A NOI Notice of Intent to refinance was forward to Shellpoint ServicesThe requested closing date was for Early XX/XX/2020. A copy of the proof of funds was provided, along with a current financial statement. The homeowner had the funding in place with a time limit for the use of funds to refinance the mortgage. 
Shellpoint never responded to the refinance offer in place, thus allowing the foreclosure to move forward. 
I then contacted the investor of record and conducted the following. 
After the no response, I provided two offers to refinance the outstanding loan. I provided the contact information to the investor of recod on my mortgage. 
There was no response. from shellpoint. 
I am requesting a modification due to the COVID Pandemic.

The Shellpoint contact information. 
From : XXXX, XXXX XXXX Date : Tue, XX/XX/2020 at XXXX XXXX  Subject : Shellpoint - XXXX XXXX XXXX XXXX To : XXXX XXXX Good Afternoon, Please see below for my contact information. Please provide a copy of the HUD and formal settlement offer in writing. 



Thank you, XXXX XXXX XXXX Lead Commercial Loan Consultant PH : XXXX XXXX est M-F Fax : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: DC

Complaint narrative:
I received a letter dated XX/XX/2020 from XXXX  XXXX XXXX concerning Account No. XXXX. According to this letter if I paid {$1600.00} by XX/XX/2020 XXXX LAST DAY FOR PAYMENT ) " you may continue with the contract as though you were not late ''. I made the payment online of {$1600.00} as instructed XX/XX/2020. Additionally, on the same day I made another payment of {$750.00} to Account NoXXXX since I have two car loans at XXXX  XXXX XXXX for which I sought COVID relief. NOTE THAT TRANSUNION ARBITRARILY REDUCED MY CREDIT SCORE BY XXXX POINTS XX/XX/2020 CHANGING MY CREDIT RATING FROM A GOOD XXXX TO A FAIR XXXX FIVE DAYS BEFORE WHAT I WAS GIVEN TO UNDERSTAND ANY ADVERSE ACTION WOULD BE TAKEN ON THE PART OF XXXX  XXXX XXXX. As a result of this Complaint I want my FICO score corrected, immediately, and a Note to my Financial records that acknowledges as well as corrects the error. From XXXX XXXX XXXX I want a corrected LOAN PAYMENT HISTORY ( from inception to YTD ) for both loans ( XXXX and XXXX ). Your immediate attention, from both institutions will be appreciated.

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 2020-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
After opening an account with paypal to process invoices for a new business -- selling gemstones online -- paypal allowed my activity for approximately one month without issue. All requested documents and information was provided to paypal as part of the account opening process and all invoices were tagged with corresponding tracking numbers for shipments to customers. Paypal routinely holds funds until shipments are marked as delivered. 

This was not a problem, until approximately one month later on Saturday XXXX XXXX 2020 Paypal notified me that I can now longer do business with the them, and the notice specified that funds within paypal will be held for up to 180 days. The amount held by paypal is {$5200.00} The shutdown came with no reason as to why the account was restricted, and no attempt to contact me or remedy the situation. 

In an attempt to resolve the dispute, I proactively called and emailed paypal multiple times offering whatever information they felt they needed to remedy the situation but all emails went unanswered and phone calls led to no further information or assistance. 

The funds being held by paypal represent the majority of the brand new businesses assets, and essentially have forced a brand new business to fail within weeks of beginning with no reason given and no attempt to work with me to resolve any perceived risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: MA

Complaint narrative:
This was resolved incorrectly on CFPB complaint # XXXX. They determined that my direct deposits came from another financial institution but this is a lie, my direct deposit posted on XX/XX/XXXX, {$1400.00} from my employer, not another institution, well within the 60 days as laid out in the terms. I am owed my {$200.00} sign up bonus. I will also be filing this new complaint with the Massachusetts Attorney General. 

To reiterate here is the original issue : I applied for a new checking account with Keybank on XX/XX/XXXX to pursue their {$200.00} new account sign up bonus. I used the promo code XXXX which was the offer at the time. I called the branch in XXXX CT the following day XX/XX/XXXX at XXXX and the man I spoke to confirmed that the offer was attached to my account and that I was eligible. I then proceeded to fulfill the bonus requirements. I had more than {$500.00} in direct deposit post to the account within 60 days. I completed this on XX/XX/XXXX ( 45 days ) had well over {$500.00} in direct deposit. I called XXXX on XX/XX/XXXX to ask about the bonus not posting and they claimed that there was no promo attached to my account and that the code I used was never a real code. This is untrue I got it from their website and it was in the fine print and everything. It has now been more than the 60 days from meeting the requirements when I was supposed to get the bonus and I have gotten nothing and been told I am out of luck. I was told I was eligible and enrolled in the promo when I opened the account but was lied to. The following was the URL I used to signup : https : XXXX? XXXX & XXXX I attached a screenshot of the signup details as I saw on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Me, along with MANY other people are having a problem where the California XXXX and Bank of America fraud systems wrongfully marked tons of people 's bank accounts as fraudulent and subsequently froze them. My account was unfrozen after a few days but the bank has taken back thousands of dollars that were given to me as reimbursement from ACTUAL fraud that happened months ago! Now my ( along with many other people 's ) account is in the negatives and the bank still hasn't given back out money due to this fraud system error. It almost impossible to reach anyone from California XXXX or Bank of America ( probably because this is happening to many people ) but there is no action being taken!! Some people still have their accounts frozen! All of this is because of the fraud systems being faulty and failure to secure our cards from Bank of America! Now many people are suffering with accounts in the negatives and no help!

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 2020-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
At XX/XX/XXXX, XXXX and XX/XX/XXXX, someone use my credit card for three big XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) Bank of America tried to solve it for me, they got me only 2 transaction back, theres one transaction still did not give it to me. Also, they closed the case couple month ago without telling me. I called few month ago, they could not give me a explanation, they only told me that I need to wait 1-3 month, today I called again, they said they will reopen the case for me. It's been 4 months ; I still have the balance on my credit 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 monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 URGENT ATTENTION CAN SOMEONE PLEASE HELP!!!!! 

To Whom it may concern : Re : Account # XXXX Address : XXXX XXXX XXXX XXXX Ca XXXX Dealing with BofA has been such a horrible experience since XX/XX/2020. On or about XX/XX/2020 I called your office then transferred to the escrow department ( 1st call ) and after about 1 hour and 45 minutes of being on HOLD I made contact with a representative and was advised to pay the total amount of {$6200.00} in order to cure the current balance of {$3500.00} and TOTAL escrow SHORTAGE amount of {$2700.00} in order for my monthly payment to be what the original monthly amount of {$3000.00}, then I was informed by your office that the following month the amount would adjust for XXXX billing. 

I, then received the new statement the 1st week of XXXX and the total was {$3500.00}, I immediately called your office and was again transferred to the escrow department ( 2nd call ) and after being on HOLD for almost 2 hours again someone finally answered and reviewed my account and mentioned the case was closed and the adjustments would be done but I needed to wait about a week, then 2 weeks later on or about XXXX XXXXthe again I called ( 3rd call ) again wanting to pay amount due however the amount still showed {$3500.00} as due and no adjustments done!!!!!! So then I called back on XX/XX/XXXX ( 4th call  ) almost 2 hours and the same circus NOTHING DONE!!!!!! 

Its XXXX the XXXX and now there are 2 months that are due {$7000.00} for my mortgage!!! What am I supposed to do!!!! CALL AGAIN!!! XXXX NO!!! Someone needs to be held accountable!!!! 

XXXX XXXX ( XXXX XXXX XXXX Owner

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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: TX

Complaint narrative:
The bank asked me to send documents to verify it was my account so they could release the funds that was XX/XX/2020 now we are the XX/XX/2020 and all they keep telling me its in review im getting late fees on many things i had to pay and all they keep telling me is the same thing the bank is usbank relia 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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I have to collection account thru Professional Collections Services located in XXXX, co. I contacted the medical providers and paid the debits and they never released the collection status. I have subsequently paid the same debts twice both documented on my HSA account and they will not remove the collection status from my credit report nor refund the over payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 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: Service Finance Holdings, LLC
State: GA

Complaint narrative:
Thiis installment loan was for the purchase of an HVAC in XXXX. My wife and I are borrower and coborrower on the account. In XXXX she alone filed for bankruptcy and the statements were no longer sent to her. Instead of send them to me as the coborrower they did not send any at all. They have put a 90 day late/charge off on the account, though they listed 30 day late in XXXX, no data on the credit report for XXXX. Theyve listed the account as charged off, but we have a letter stating the account is paid in full and they agreed to settle. The credit report also states the original balance was {$14000.00} and written off was {$14000.00}, but again we have a letter stating the account was paid in full..so there is no charge off. We also have payment history and receipt of the final payment of {$7000.00} on XXXX XXXX. So, clearly the information is incorrect. They did not report this payment, and just reported this account as closed. We have disputed this several times, but it has yet to be corrected. We need the charge off to be removed completely from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
While working with a lender to refinance my mortgage they found out that American Express had won a judgement against me in the amount of {$2000.00}. Back in XXXX of XXXX their attorney said that American Express was going to dismiss the lawsuit for which I received a letter. On XX/XX/XXXX I received a letter from American Express telling me that my account was transferred to XXXX XXXX XXXX XXXX. I wrote letters to American Express on XX/XX/XXXX requesting clarification and asking them to remove the judgement. In return I received a letter and later on several phone calls from XXXX XXXX XXXX XXXX demanding payment. I have written several letters to both companies and so far I have not received an answer. How can a creditor collect on a 7 year old debt and a judgement at the same time? Is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
Arivo Acceptance has repeatedly contacted my significant other ( unmarried ) leaving details of the status of my loan on his voice-mail ( voice-mail have been saved as proof of third party disclosure ) which also does not identify him personally but is an automated message that only states his phone number. They have done this with my relatives as well and constantly disclose my sensitive information to third parties. They have also drafted a payment from my account that I did not authorize and constantly harass me by calling several times every day, sending emails, and then calling my family members. I have asked for assistance as I have been struggling with a loss of income due to the pandemic and they are not willing to help but instead just continue to use what, in my opinion, is abusive/harassing practices, causing extreme stress to the point I am becoming physically ill. They also have sent me information regarding another person 's account which concerned me and they include my account number in the emails which I feel is risky if like in the case where they sent me info, what if it gets sent to someone else as which is another violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
Usbank/reliacard deactivated my account for reasons unknown and will not reactivate my account. I have spoken with supervisors and phone operators about the problem. XX/XX/2020 is the second time this has occurred.

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