vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I received my XXXX from US Bank Home Mortgage, for account number XXXX, which stated on the annual tax and interest statement the escrow overage of {$2400.00} was disbursed. When I did not receive this disbursement by XX/XX/XXXX, I contacted customer service at XXXX. I explained that I had not received this disbursement and was concerned. I was told I would be issued another check within XXXX business days. I asked if the check was cashed by an unauthorized party and was told they was no way of knowing. 

On XX/XX/XXXX, I did not receive a re-issued check for my XXXX escrow overage and contacted customer service. At this time I was told a letter was sent to me explaining the original check was cashed I would not receive another check. I explained that I never received the original disbursement and needed to speak to the fraud department. I was left on hold for a half an hour before the call was disconnected. I have never received any correspondence in reference to this matter. I recalled customer service and was told there is no fraud department for the escrow disbursement, but a work order would be initiated and my overage of escrow check would be re-issued on Friday XX/XX/XXXX and would be received in XXXX business days. 

On XX/XX/XXXX, I still did not received my escrow overage disbursement check and called customer service. I was again told that a check would not be issued because the original was cashed. I again explained that I have not received or cashed this check. I also, explained that I have received no correspondence about this fraudulent activity and requested US Bank Home Mortgage submit written correspondence about this matter 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 2021-04-13 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: AZ

Complaint narrative:
the PayPal company close my account for not reason and them will not help me with Getting it back up and going. Every time when i try to take out my money From my account they just block me for avoid me can me spent my money. 
They ask me for document for remove the limitation and after i send all document, they send me another email that my account is close ( Id. de ref. XXXX ). 
I try to contact a manager and supervisor and they said they cant help me anymore. 
They removed all message from the account for avoid that me get evidence or proof. 
PayPal is expert in XXXX stolen money from people. 
this company has XXXX complaint about same situation is really bad. 
See my evidence before PayPal close the account and after they close. 
They delete everything. 
Paypal IS XXXX company, i hope Cfpb help me to get my money back. 

My email is XXXX Paypal is not doing her job properly and that the reason. i am file a report here. 
Paypal is violating the rights of people by closing accounts to keep the money and so make your company grow with the money that is stolen from people. 
My case is an evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I have been attempting to get the PMI on my mortgage removed with Rocket Mortgage. Their website states that when my Loan to Value reaches 80 %, which it did when I made my XX/XX/2021 payment, I was to contact them to have it removed. I have called 3 times and have been given different answers as to why they wont remove it. Most recently was my call yesterday when I was told they run behind therefor I am to continue paying the PMI through XX/XX/2021 and then they will reimburse me. Each time I call I get a different excuse as to why they cant remove my PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NV

Complaint narrative:
On Wednesday XX/XX/2021 I tried to log onto my on line banking for US Bank. It gave me a message that said their was a problem on their end that said username has been disabled. I called on Thursday XX/XX/2021. They said it was because I have a VPN. So for security and fraud reasons they locked me out of my account for 72 hours. They said it would be unlocked in Saturday XX/XX/2021. It was not so on Sunday I tried again. Still locked out I called they sent a request to unlock. Stating I would have access on Monday XX/XX/2021. I went to the bank and the. I called again. Said I would 100 % have access today XX/XX/2021. It is now XXXX XXXX time and I still can not get it. I have joint accounts and us on line to monitor my accounts, as my mother in law is XXXX XXXX XXXX. I need to ensure no one is doing anything with her accounts. And as of right now I am unable to access any of them. I have had a VPN for over 14 months and never had an issue before and now they do? I have this VPN because when I worked for the XXXX I was hacked twice. And I still keep getting emails from very strange people because of it. And I was hacked 3 times through XXXX. So for better security I have a VPN, I am so upset and they could care less and they dont even care if I take all my money out

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 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have made multiple attempts to stop marketing from American Express. After receiving multiple credit card offer and then being denied. I asked American Express to stop all the marketing efforts to me at all my addresses. I also submitted an XXXX  Opt-Out and I submitted a Do Not Market request with the XXXX. I have also submitted complaints to Consumer Financial Protection Board about the issue.

I have spent thousands of dollars of my own money to repair my credit. I was asked by my legal team to sign up for opt out and XXXX. I have been successful in reducing my total number of inquiries. Although, when companies like American Express ignore my request, it negatively impacts me. It threatens my investment in improving my credit score, it threatens my ability to obtain employment, it also threatens my credit score. I am very unhappy that i continue to be marketed to for no valid reason. 

I was already signed up and had marketing material sent to my home by American Express. I have asked that the marketing stop. I have asked that the solicitations stop. I want to improve my credit so i can make important purchases in the future and to improve my ability to retire comfortably. I believe the American Express is not being an ethical company. I also believe that i have been treated unfairly by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach may have got into the hands of the wrong person. I am begging for help at this point. 

I demand these accounts be deleted immediately or I will pursue litigation. 

On XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XX/XX/XXXX XX/XX/XXXX and Equifax upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I received a text from a company saying that my mortgage was in default and I was at risk of foreclosure. I currently have my mortgage in deferment with my mortgage company. 

I called this number XXXX to verify the situation. I spoke with XXXX XXXX - XXXX # XXXX. He asked for my loan number, which seemed odd. He also asked for my date of birth. 

He offered me three options - continue with my deferment in which I would lose out on the special opportunity for a mortgage amendment, or take a mortgage amendment at a lower interest rate, or refinance my mortgage. I asked about the mortgage amendment.

He brought me a new offer of 2.75 %. I was asked to make three trial payments in order to make the amendment permanent. The three trial payments were not to be paid online to my mortgage company and they would not show up on my account. 

He asked that I go to a nearby place to wire transfer the first payment for cash. I told him that I couldn't leave my house at this time, he tried to set me up with an account at XXXX XXXX to send the money. 

He became very pushy and I was uncomfortable. I told him that I wasn't going to do anything today and I would call back. 

He told me that the offer was only good if I took it immediately. He kept telling me he was recording my consent to the offer and he was from my mortgage company. 

I was almost convinced and almost sent the money. I did some online research and found some fraud reports for this phone number. I decided to report it instead.

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 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I started disputing with the bureaus on XX/XX/2021 ; there have been multiple accounts reporting inaccurately that I have been trying to get removed and repaired. Since the bureaus didn't send me anything within the 30-45 days, I sent another dispute on XX/XX/2021 and still haven't received anything. So now I am filing this complaint but the lack of responses from the bureaus is getting very frustrating and delaying the process for me on other items!

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 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: CO

Complaint narrative:
Company change original agreement, over-charging me then falsifying docs to credit bureaus destroying my credit saying I owe them over XXXX k for equipment they saud was " free " with instalationn a year contract. 
I have called the company for years trying to fix the errors on my account niw its " costing me 'good ' jobs!! " And better pay! Donations and grant money!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: DE

Complaint narrative:
So I have been trying to get a replacement card since XX/XX/2021 after changing my address they put a restriction i was told to submit documents for verification online I had to upload front and back of License and a selfie. Every time i call they tell me theres no update try submitting the information again so i do it again they give me the same response literally two weeks straight mon-Friday Im calling, so they give me a fax number i faxed information in they said they have not received it so I faxed info again then when I called to check the update I was told they do not accept fax from the supervisor. So I keep get different information from different supervisors. they gave me the mailing address and told me send license, SSC and proof of change of address so i expressed ship the information with a tracking number and still have not heard any information back after it said it was delivered to there company and I keep calling to speak to supervisor they telling me same information that customer service is telling me and i asked would they be able send a note to there offline team to check into the documents submitted and they say we cant communicate with them they just put notes in try submitting documents again which I keep doing and Im telling them. I keep submitting documents and u.s bank relia card dont have no updates its just stressful I been going through this everyday calling, sending info been over a month and theres no way i can send my information to them directly through email so I know they received it. Can you please help i been hearing other people are having the same problems I have {$7000.00} on my relia card. I have been sending documents in everyday and was told just keep calling back we are open 24/7. i ask is there another way y'all can view my documents is there a email or some type way i can use ID.me video call? They say no im sorry all I can tell you do is submit the documents again. The Company is I have submitted documents over 10 times Online, 4 different times faxed and 1 time through the mail.

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 2021-04-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: GA

Complaint narrative:
I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, XXXX and Transunion are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.

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 2021-04-13 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: GA

Complaint narrative:
I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, Equifax and XXXX are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I was contacted on XX/XX/21 about a debt to XXXX XXXX which was being handled in collections by CAPITAL ACCOUNTS LLC. They offered me a settlement amount of {$520.00}, which would be offered for TEN DAYS. I paid this settlement amount in full on XX/XX/21 and have receipt of payment for that amount. Documentation for settlement and for receipt are attached. 

The company continues to call me and has continued to list an additional balance on my credit report for this same debt, which is completely fraudulent since I paid my settlement amount in full and have documentation to prove it. 

Debt collector contact info below : Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX www.capitalbillpay.com

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