vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Identity Theft & Fraud, that was never blocked, on my account. Duplicated Account. 
Inaccurate Account Information, Incorrect Information on loans, balances, payment amount. 

Missing Credit Cards Accounts that is not showing on my credit. 

Example : XXXX/XXXX, XXXXt/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 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi So this is about the US based company XXXX. I have been a XXXX customer for years and I never faced any issue with them as I work with all possible honesty. I hardly face disputes as I never take money for something l dont deserve and my clients are happy with me. 

One fine day XXXX says you no longer can use paypal and we are closing your account permanently. Money is stuck in there too. It is a pandemic time and even the slightest amount makes a difference to us. 

Money is not the problem. The problem is firsr paypal made us dependent on them and now when we have no other medium of receiving payments they have closed the account. 

The company acts like a bully as it is not ready or available to explain the reason of shutting down. There is no reason to shut it down as I have been using it with all honesty and all my customers love my work. 

I have always believed that honesty never ever put us down and honestly is rewarded across borders. My XXXX knows that I have been honest in my work and every XXXX I have earned denotes my hardwork and paypal has to understand this and not shut down on us like this. 

You have to check how they are behaving with the customers as there is no way to contact them at all. 

If there is XXXX in real and I have done good deeds in life then justice will prevail. 

XXXX account email : XXXX Regards XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
This is my second complaint about this mortgage company. My original mortgage was sold by XXXX XXXX to SLS Mortgage and has been a nightmare because SLS Mortgage is so incompetent, no one can answer any questions or give a legitimate reason for any wrong transactions that they do. Two months ago I received a letter stating my mortgage went up from $ XXXXmonthly to over $ XXXX monthly which is due because of an error that SLS mortgage made, they are saying that I have a {$3000.00} shortage which I have never had in the history of my mortgage. I contacted them, stayed on the phone for 1 hour and 40 minutes being transferred from one department to another and no one could understand or resolve. The problem is they paid my homeowners insurance twice in XXXX and I was also paying, I had contacted them and told them that I was paying my own homeowners insurance because I do not trust this company. However, they made a payment on XX/XX/XXXX for {$1600.00} and on XX/XX/XXXX they paid an additional {$2100.00} for my XX/XX/XXXX homeowners insurance which is not due until XX/XX/XXXX, who does that? What reputable company would do anything like this? Why would I want to pay my homeowners insurance before it is due? No one seems to understand that they have made a mistake and keep telling me my Escrow is short. I contacted XXXX XXXX which is my homeowner 's insurance and ask them to return the payment to SLS Mortgage which they said that they would. 

Also, I had been paying monthly deductions for my homeowner insurance from my bank account so I don't understand why they would pay any of it at all. When I changed insurance SLS called and asked if I had homeowners and I stated yes, I am paying it myself because you all are incompetent so please do no pay. Now, my mortgage account is calculated wrong and in a mess and I have continued to make the payment I was making before the increase and they don't want to understand and correct their mistake. My account has been current and paid on time until this fiasco. I don't know how they are license to still be in business, this is a crooked operation, and all the reviews on their website are only negative reviews. Can someone please investigate this bootleg company? No one you speak to can explain anything, why should I have to call XXXX XXXX they made the mistake and that should have been the first thing that was done and they made the payments with a credit card, what company does that? Can you all do an investigation on SLS Mortgage because this seems to be a sure way to take my home in foreclosure since they are asking me to pay an additional {$2200.00} in escrow shortages? 
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 2021-03-29 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:
THERE ARE 3 STUDENT LOANS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME I HAVE REACHED OUT TO EQUIFAX BUT HAVE RECEIEVED NOTHING BACK FROM THEM I NEED THESE OFF MY CREDIT ASAP Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
XXXX/XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late plus icon Add Another Item to Dispute

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 2021-03-29 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: TX

Complaint narrative:
XXXX/XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX  Account Dispute Reason Selected Edit Payment never late plus icon Add Another Item to Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was charged {$150.00} for a money transfer on XX/XX/XXXX that was not authorized. I this was brought to my attention with in 60 days and I called the Bank of America XXXX XXXX XXXX department and was told they would file a claim for this un authorized transaction and they would cancel my card ending in XXXX and mail me a new card. Bank of America indeed did cancel my card ending in XXXX and ordered me a new card ending in XXXX. I was told this was standard protocol and it made sense to me. I was also under the impression that the unauthorized transactions where all in dispute status and I patiently waited for this process. Sometime around late XXXX XX/XX/XXXX, I reached out to the dispute department to get an update on those claims in particular the transaction of {$150.00} from XX/XX/XXXX. I was disappointed to be told that there was no claim filed for this dispute. The representative assured me they would file the claim at that moment and was apologetic because this should had been processed months ago when I contacted. The previous card was cancelled and a new one was ordered. Somehow, this original dispute was overlooked or perhaps ignored. The representative indeed did file the dispute over the phone for me and I received provisional credit on XX/XX/XXXX for {$150.00}. 
To my surprise, I was informed by Bank of America in a letter mailed to my home address that Bank of America will be reversing back {$150.00} from my account on XX/XX/XXXX. The reason they stated was because I had filed the dispute after the 60 day cut off after the transaction date. Bank of America did not give me the opportunity to explain that this should had been taken care of last XX/XX/XXXX. They where fully aware of this because they cancelled my previous card and ordered me a new card on XX/XX/XXXX. Instead they did not take a moment to make a informed decision. This was unprofessional and unethical.

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 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Filed a complaint with Capital One with the CFPB on XX/XX/XXXX after they froze all my accounts and withdrew my remaining funds of {$7200.00}. 

XX/XX/XXXX Capital One formally responded with : " Records confirm that the accounts received an XXXX XXXX loan on XX/XX/XXXX for {$12000.00} and an XXXX on XX/XX/XXXX for {$1000.00}. These proceeds were deposited into consumer accounts with no established or registered business. The accounts were restricted on XX/XX/XXXX and investigated. A business decision has been made to return the funds to the XXXX and to close the accounts. '' My loan from the XXXX was a XXXX loan for {$12000.00} NOT A XXXX LOAN. 

On XX/XX/XXXX I contacted XXXX, XXXX, XXXX, and XXXX. I was promptly ignored and did not receive a reply. 

On XX/XX/XXXX I emailed XXXX with my loan agreement, real estate license certificate and my XXXX Tax Returns. These documents were ignored and I was never contacted by anyone from Capital One. 

On XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX at the XXXX to confirm receipt of the {$7200.00} that Capital One has claimed to returned. 

XXXX formally responds with " To date, no proceeds have been received and applied to the XXXX loan. '' It is now XX/XX/XXXX. It has been nearly 60 days since Capital One has claimed to returned the {$7200.00} back to the XXXX. The XXXX still has no record of it and I am still building interest on the full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello I have attempted 4 times to resolve my situation with the credit bureaus. Below I have listed the companies that are trying to collect debt XXXX  : XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX  Card, XXXX  XXXX, XXXX XXXXXXXX : XXXX Bank, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, According to Federal Law, the unverified items listed above still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-03-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I Sent Certified Letters To Experian XXXX XXXX  To Validate Debts Reporting To My Credit Report On XX/XX/2021 On XX/XX/2021 XXXX Credit Bureau Received My Request And Failed To Respond With In The Normal 30 Day Time Frame And With In The 45 Day Time Frame With COVID XXXX Experian Did Not Open Up A Investigation Until XX/XX/2021 Which Is Well After The 45 Business Day Time Frame. Even After Opening The Dispute Experian Closed The Dispute With In Two Days Which Give Me The Impression It Was In Fact Not Fully Verified

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 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have had problems with my pre-paid debit card issued by bank of america for my Nevada unemployment insurance in which I had reported fraudulent chargers. Banknof america sent me a new card, upon activation of said new card I receive a message stating that the card had been closed. I have spent weeks trying to resolve the issue, I have called unemployment numerous of times to resolve the identity verification issues I have submitted all the requested documents which were to include birth certificate, a photo of my government issued driver 's license front and back a piece of mail with my current address listed on said mail piece. I have been waiting over 30 day to have my account re-opened, I have submitted the re-opening account form that multiple bank of america XXXX have filled out on my behalf and have submitted and as of today XX/XX/2021 I was able to see and view my money in my bank of america mobile app but after I got done speaking to a banker or representative who was very rude and I had stated that the bank had to release my money, the money that is on my account. That if I walk into a local branch with my verifying documents as to who I am such as birth certificate drivers license that my lawyer says the bank by law can not withhold my money that's in a closednaccount and must at once release any hold of my funds and hand me.the cash that was in the account at the time the account was closed. I just got off the phone with another representative and was told good luck they are not going to give me any money. The bank of america is taking so long to unfreeze my account and have basically stole my money. I want my money and they can not just hold my money and keep it from me they closed the account and my funds must be released to me.

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 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PAYPAL Ive had my PayPal account for over 5 years. I decided to use my PayPal account to start receiving my online workshop admission during this pandemic. 

I had a large total coming in, {$4000.00} of my money PAYPAL decided to place on hold for 180 in case fraud or in case some one decides to request a refund. I was okay with that. XXXX XXXX XX/XX/2021, XXXX was made. Time for me to get my money back. PAYPAL decided to not help with transfer of my funds ( cant add new card or new bank information ). PAYPAL blocked my calls as well, No reply to emails. Im reporting PAYPAL because theres so many others in the same situation. PAYPAL, holding money or funds with no solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Identity Theft & Fraud, that was never blocked, these accounts were joint accounts with my husband, on my account. Duplication Accounts, Inaccurate Accounts. Account Information Incorrect, on loans balance, payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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 checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: PA

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account without a clear reason. I have been trying to contact them but to no avail. I think they made a mistake but they are no longer trying to help me. I've been using Paypal for years now and it's affecting me because I can no longer access my account where I get my payments. 
I found out that I can file a complaint here and seek for your help. 
My email linked to Paypal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and 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 2021-03-29 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: IN

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I sent a dispute to Experian via certified mail on XX/XX/XXXX and after 45 days they had not begun the process. I sent another certified letter claiming they had failed to dispute within 30 days nd they then opened a dispute on XX/XX/XXXX which was over 90 days later. They took less than 2 weeks and had updated results on XX/XX/XXXX, XXXX, and XXXX. They did not correct anything in the report and I find it hard they completed an investigation in such short time. I then sent a letter requesting proof of investigation in XXXX via certified mail. They never sent any information but opened another dispute onXX/XX/XXXX. I submitted an identity theft report to go along with the dispute. Even with the copy of the identity theft report filed with the FTC they resolved the dispute in 2 weeks on the XXXX with no changes made to the errors on my report. Both XXXX  and XXXX  corrected the same errors the first time disputing and I feel that Experian is failing to follow the legal guidelines in investigating the errors on my report. I am in the process of buying a home and their inability to properly do their job is holding up my process.

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