vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit card with Capital One that accumulated {$2900.00} in cash back rewards. For no reason, the account was closed and have been denied the earned cash back rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Requested an ACH-out from checking account on XX/XX/XXXX for {$3500.00}, this was rejected by TD Bank because, they will only allow me to deposit money but will not let me use my money to pay my bills. Due to this rejection the financial institution that I used to request this ACH transfer has now charged me {$25.00} for the returned ACH and I'm late on paying my bills so eventually the late charges will now start accruing. Also made a Bill Pay request to pay my XXXX XXXX credit card on XX/XX/XXXX for {$2800.00}, called TD Bank on XX/XX/XXXX @ XXXX ( spoke to rep named XXXX ) to confirm this bill was paid since the funds are still showing on the checking account -- she stated that the funds were not sent to pay my credit card and I would need to contact XXXX  to ask why they would not accept it. Confirmed with XXXX that they will accept and all of the account information entered was correct and they would accept payment if it is sent. TD Bank checking account does not allow me checking capabilities like a bank should, this bank is holding my funds while I continue to incur charges and can not pay bills with funds that I deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It's been about six months since my first letter went out to Experian. Simple letter asking to update my phone number, employment information, and i noticed a few accounts that did not belong to me.

With over fifty letters sent to Experian which i am happy to send, this investigation has gone on for over six months. The accounts that do not belong to me and do not have my name or phone number or information on are still being reported by Experian.

I have the letter 's i sent to Experian explaining how each account is flawed and must be removed because of Experian 's continuous breaking of the law.

Experian has violated the FCRA, FCDPA, TILA, and FDPA. I have the documentation from Experian to verify this information. 

From XXXX XXXX to XXXX XXXX without any resolution. The investigation results keep coming back as " verified as accurate '' without any of the legal documentation i requested. How can you repeat an investigation over 50 times without conducting an outside investigation like the FCRA requests?

Section 314 of FCRA demands credit bureaus to provide a signed contract with my name and signature along with account detail in order to deem the account as verified.

Experian has been playing games with my personal information for over six months and i'm going to use the law to put an end to this none-sense.

I have every tracking number from XXXX until today saved, i have every response from Experian saved from XXXX building my case stronger and stronger. 


Experian you cant break the law and get away with it, i demand you remove these accounts this instant you are conducting a fraudulent investigation and you clearly have no club what you are doing. 

If you had a clue what you were doing you would realize the damages you have done to me in the past six months. 

Your reporting issues have cost me my dream house. Experian you will pay {$1000.00} fine for each account being reported incorrectly. Every account must be 100 % accurate to report, and these accounts are NOT accurate and do NOT belong to me, delete them now.

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 2021-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I received a request for payment on a loan from Specialized Loan Servicing hereinafter referred to as " SLS '', in XXXX, my wife actually made a payment being concerned about damaging my credit. Upon further digging/investigating I could not find the origin of this loan and promptly reached out to customer service with SLS. In XX/XX/XXXX I received the attached two documents from SLS and at point closed the file. Fast forward to XXXX and I began to receive notices of default from SLS ; I have made several attempts for SLS to update their records to no avail ; now they are sending me notices that I have requested a loss mitigation assistance and that they're either " reviewing '' my request or please to resubmit my request ; neither which I have ever done or made request to have done.

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 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am being ask to pay a debt that I remember already paid many many years ago. 

I requested Covergent to provide me the details about the age and amount of debt, including the copy of the last billing statement from the original creditor, a detailed explanation explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original claims this debt became delinquent.

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 2021-03-31 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: CA

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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I submitted a written request to Experian disputing inaccurate/incorrect information I discovered within my Experian credit file. For the following : XXXX XXXX XXXX  {$560.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX {$24000.00} XXXX XXXX {$2800.00} XXXX XXXX {$910.00} Rise {$490.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX {$3500.00} To date I have received a response within the guidelines from Experian. Experian did acknowledge inaccuracies/incorrect information has been reported by the various creditors, however those items were not removed in accordance with the FCRA referencing inaccuracies/incorrect information, Experian reported inaccurate/incorrection information has been updated, then the creditor re-aged the debt.

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 2021-03-31 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.

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 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I opened the account about a month earlier and I contacted them initially due to account being locked by the security team. Each time it takes at least half day to one day to call them.

They locked the money transfer for the first time. They asked for another bank statement in last month. I told the agent that I don't have statement for last month ( they only provide that every three months ) and very rude disputing why I don't have it. I said I will call my the other bank and let them stay on the call together. She said that will work. However, she locked the account directly after that while I'm contacting my the other bank. However, the other agent doesn't allow the agent from the other bank to stay and insist they have to call. In short words, it disturbs my work for almost a day. I've filed a compliant within HSBC for this and no follow up. 

The ridiculous thing is, my account was locked again later and asked me to verify address again using another bank statement. 

Another time is asking me to print out a SSA form, I did it for them and sent back. ( I have medical condition and am risky to go to a store to print as I don't have a printer ). Later the account is locked again and later told me what I write is not clear. I emailed back twice and replied all asking do I need to print a new one or is it better to type. Nobody replies, until I called again they told me they've sent my account to be closed!

In the single month, my account is locked for four times! For at least 25 of the days, I'm not able to transfer money or access any money in my account. I filed complaint with them twice internally, nothing changed. They constantly asked for same documents on address and SSA form from security team, while locking the account totally based on their mood! ( like after I called to ask about transfer ). They said they called before locking but no incoming calls on my phone at all and there are at least four people from HSBC on the email I replied directly, no one has replied me. 

I was sent a promo code to open the account with certain amount of deposit, I really don't know whether it's legal for them just to lock my account for so long without notice or maybe they want to avoid giving me the open bonus in the promotion while keeping my money there ( more than XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America doesn't allow me to transfer funds in USD from my account to my own USD account in XXXX XXXX  XXXX ( XXXX  XXXX ). The following error appears : " We were unable to process your request. We're required by law to inform you of the exact fees you will incur for international wires, including fees from other banks. For this request, we do not have the exact fees from other banks and therefore are not able to process it. If your request was in US dollars, you may try again in foreign currency -- this may help us determine the exact fees incurred for this transaction and enable us to send the wire request successfully. If you have received this message for both US dollars and foreign currency, it means we can not process this request. We are sorry for any inconvenience. '' According to my conversation with a bank representative, changes in XXXX now require them to disclose EXACT amount of fee being collected by the target bank and all intermediaries, and if they are not able to do that ( for example, if intermediary gives a fee in %, not an exact fee ), they are not processing transaction at all. As a result, I can not transfer my own funds to my own accounts, and bank refuses me any options to do that. Hereby, bank is not " protecting '' me as a consumer, it's just using the law not to let me to transfer my funds. 

It has to be mentioned, that the bank still allows transfer in the local currency ( XXXX XXXX  ) with it's own conversion rate which is pretty bad ( an official rate +4 % ), somehow no issues with calculating fee there! All and all, I believe Bank of America here is misrepresenting the law and using it to deny a service 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 explanation
Consumer complaint received 2021-03-31 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: ME

Complaint narrative:
I sent a dispute letter to Equifax, using section 609 of the Fair Credit Reporting Act, to get the source of information which I am legally entitled to have accurately and clearly disclosed to me. 

In this case is it the proof of debt, or original auto loan contract containing my signature for a car loan. 

Equifax has mailed me back a document stating that they " verified '' that the account belongs to me. But I did not receive the source of information I asked for. 

This is a violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I do have chase credit card ( XXXX XXXX CARD ) they have a travel reward up to {$300.00} a year if you travel and up-grade to business i did travelled on XX/XX/XXXX business class ( my tickets was {$3100.00} ) on XXXX i sent my request to get my rewards credit, which they reply to me that they want a specific dates which it was including on my first message to them, I only travel once on XXXX we already know how tough is the year. 
so I called them and I did talked to some one and told them the date and the charges, he said ok you will get your travel reward with 1 - 2 bills then we my family got XXXX and we struggled and fights On XX/XX/XXXX I was preparing my Taxes for XXXX and have all my business charges and all expenses ready for my tax guy I DID FIND OUT THAT i DIDNT GET MY REWARD CREDIT from Chase I sent friendly Email to them was thinking there is no big deal and they will apologize and will give it to me they answered that they will not going to give it to me because I did not tell them the dates, and they informed me this I explained I did talk to someone on XXXX and give him the dates, but they refused to do so till now what make really thinking that they discriminating against me that my wife has a different acct with the same bank, she also travelled with my daughter and she request the travel rewards ( on the same dates ) and she get it and chase sent her a message that they approving it with no problem so sad that big bank like them don't consider the very special year we just had

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 a collection account was removed from my credit report. However, the same company did an reinsert on my credit report and I was not notified within 5 business days of such action by Equifax. I was not provided any documentation with my signature proving this debt. I've been very patient, but they are not following consumer reporting agency laws. This is an unfair practices and it's keeping me from buying a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XXXX XXXX I made a transaction through PayPal to pay for services for a vendor event. I paid this organizer in hopes to hold my spot for this event, however after investigating the person I was told to send the money to it became apparent that it was a scam as I contacted the location in which the event was to be held and they had no idea of such an event even happening. I attempted to contact the person who initially gave me the information and she reported that the name of the person I sent my money to was the " XXXX XXXX '' after a quick XXXX search I find out that this is a common scam with the same email address that is connected to someone over seas. XXXX maybe?? Not sure. But I confronted this person and told them I wanted my money back because she was a scam. I did not get any further response from them again. Unfortunately when contacting PayPal regarding this issue, they are not able to refund my money because it was sent through " friends and family '' and not as merchant goods. The amount that I was charged was {$63.00}. I went through my bank to attempt to get my money but they were only able to issue a temporary refund until further investigation ... which they are closing it as they don't do business with 3rd party transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX  with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX XXXX XXXX had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. XXXX, per their attorney Cooling and Winter also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX XXXX credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the Cooling and Winter law office to collect their money and will not deal with the debtor. The Cooling and Winter law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is XXXX XXXX is 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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Fay Servicing , LLC, XXXX XXXX, Case Manager ( XXXX ) along his Supervisor, XXXX XXXX ( XXXX ) and their attorney, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pre-Sale Manager, on XX/XX/XXXX @ XXXX EST ( 5mins 57 seconds ), refused to cancel the foreclosure date pursuant to : FOR HOMEOWNERS FACING FORECLOSURE The initiation of new foreclosures is prohibited until XX/XX/XXXX, pursuant to regulatory guidance issued by the Maryland Commissioner of Financial Regulation under the authority of Governor Hogans executive order XXXX ( which amended and restated previous orders issued on XX/XX/XXXX and XX/XX/XXXX XXXX. The order directs the Commissioner to temporarily suspend the Notice of Intent to Foreclose electronic system. This means that homeowners should not receive a document called a Notice of Intent to Foreclose from their mortgage lender or servicer between XX/XX/XXXX and XX/XX/XXXX. If you received a Notice of Intent to Foreclose during this time period, please notify us by email at XXXX or by phone at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation