vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I was sent XXXX USD via PayPal. The transaction number is XXXX. I was collecting monies for a gift certificate for a third party. The money for this transaction is not available to me. It has been marked " pending '' for almost 90 days, now. I did go ahead and purchase the gift certificate and included the " pending '' {$1000.00}. 

I have chatted with PayPal numerous times regarding this transaction. I would like them to either let the transaction proceed so that I can access this {$1000.00} or I want them to cancel the transaction. I know the paying party personally and they will simply write me a check. Either solution is perfectly acceptable. PayPal keeps telling me that they are awaiting more information from the payer and they can neither cancel the transaction nor can they let it proceed. I have contacted the payer and they are telling me that the information that PayPal is asking about is private information about the third party. The third party 's name was written in the " memo '' portion of the transaction simply for the payers personal accounting. The payer does not want to give private information about the third party and I completely understand! I'm not even sure it's legal to do so. I believe, PayPal is holding this money without cause and is not helping to resolve this transaction. 

Could you please intervene on my behalf? Like I said, either letting the transaction proceed or cancelling the transaction are acceptable solutions. 

Thanks you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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: FL

Complaint narrative:
l have submitted three certified letters to XXXX, Experian XXXX   credit report bureau about that method of verification of bankruptcy on my credit report. I am not denies l did not filed bankruptcy in XXXX. l am requesting their method of verification/ how they got this bankruptcy if the court do not report it.The letters was send out on XX/XX/2020, XXXX. For the last two investment results to me it stated that bankruptcy was verified by the USBK Northern District Of Florida Docket Number XXXX. But they keep send me their investigation results stating verified as accurate. As stated above l have to right to request their method of verification and for it to be send to me. l have not got any method of verification from XXXX, XXXX, Experian.I wrote a letter to bankruptcy court that they claimed they got my info from and the USBK Court bankruptcy court where the item was filed stated in letter address to me that they did not report to any credit report agency or any third party agency. It is public record for anyone to look up any public record

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 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I work in the tradeshow and convention industry which has been decimated due to COVID-19. I am lucky enough to remain employed, so I contacted Bank of America and let them know that I would be paying ahead each month because I am not sure when our industry is headed. Each payment was applied ahead correctly since XX/XX/2020. On XX/XX/2020, I made a REGULAR MORTGAGE PAYMENT on the Bank of America website. The website asked if I wanted to make a regular payment or apply the payment to my interest, principal, or additional. I chose REGULAR MORTGAGE PAYMENT. The newly implemented Bank of America system incorrectly applied the payment to PRINCIPAL CURTAILMENT. I immediately called Bank of America 's mortgage department to address the issue. The representative apologized and assured me that this issue would be corrected within 48hrs. It has almost been a week, since that promise, and the system has not updated my payment. I have spent the past 4 days on hold with Bank of America 's mortgage department for 4+ hours a day with NO ONE ANSWERING, NO ONE RETURNING PHONE MESSAGES. I have repeatedly tried to send emails via the Bank of America online messaging center and have been met with no response. I have gone online to try and set up an appointment, but each day claims that there are " no appointments available '' for 30+ days via phone  and in-person. I have visited numerous Bank of America branches, and most of them have been closed in spite of their displayed business hours stating that they will be open. 

I have paid ahead in an attempt to be proactive, so that I do not end up defaulting or missing a mortgage payment. Bank of America has decided to run things their own way and apply payments where they feel like it completely disregarding the efforts of their customers. Moreover, they refuse to maintain communications with their customers.

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 2020-08-24 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: MS

Complaint narrative:
the credit companys has yet to remove the items that i have disputed these are not my accounts they need to be remove.

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 2020-08-24 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: TX

Complaint narrative:
Equifax and XXXX did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask Equifax and XXXX to provide documentation of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I opened a personal loan with Lending Club ( Loan # XXXX ) on XX/XX/XXXX. 
I made an additional payment to the principal via check on XX/XX/XXXX. This payment was credited solely to interest, despite being properly identified as a Principal Only payment, and per the Lending Club published FAQs. I contacted Lending Club via email multiple times to correct the error, and received no response. On XX/XX/XXXX, I contacted Lending Club via XXXX, and was promised the payment would be corrected and applied as of XX/XX/XXXX. This would take 5-7 business days. 
On XX/XX/XXXX, I logged back in to see payments made on XX/XX/XXXX, and XXXX, XXXX were reversed and reapplied on XX/XX/XXXX. Also a payment made to Principal only on XX/XX/XXXX, was credit to interest and principal. 
I contacted Lending Club and was told the following by their General Payment Customer Service contact center agent who identified himself as Judge : Lending Club will not provide Payment Statements to customers The information on my Payment History online is incorrect Lending Club will not provide a corrected version Lending Club will not send me an email saying my account information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: MS

Complaint narrative:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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:
This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: MI

Complaint narrative:
I have sent letters to XXXX and Transunion about the inaccurate information on my accounts. These are disregarding consumer complaints. I have sent numerous letters and have still gotten no response. This has been a very stressful process for me and i just want the issue to be resolved.

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 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Schreiber Law LLC
State: CT

Complaint narrative:
Schreiber Law , LLC contacted me via phone on XX/XX/2020 at XXXX. A message was left by a " XXXX XXXX '' requesting a call back. The call came from XXXX. The call back number provided was XXXX. Both numbers are associated with Schreiber Law. I have the message save and can provide upon request. 
The next communication I received from Schreiber Law was a letter dated XX/XX/2020, advising they represent the current creditor, XXXX XXXX XXXX XXXX as an assignee of XXXX XXXX XXXX An incomplete account number was provided. Schreiber LAw referenced their file number XXXX. 
This is a blatant and brazen violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692g ( a ), as Schreiber Law was required to send Notice of debt/contents within 5 DAYS of the XX/XX/2020 phone call. 
This is clearly unfair and deceptive communication tactics of an alleged debt not proven to be owed by me, or owned by the current creditor, or legally collectible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Filed dispute on XX/XX/2020 requesting copy of the contract with my authentic signature.under the FCRA I am allowed to make this request.it has been 40 days and I have not received contract with authentic signature.The FCRA allot 30 days for a dispute to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letter to Equifax on XX/XX/2020 about some incorrect things on my credit report. I sent this letter almost 2 months ago and still haven't received a response yet. I have sent multiple letters and no response. This is stressing me out especially with everything with corona and my family. I simply want action being taken and my time and complaint to be valued and considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

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 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
There is an inaccurate entry on my mortgage statement. I have tried to call but they won't answer any questions about it. They put me on hold, or disconnect the line. Now they simply don't call back. I can not speak to anyone. There is no communication, no follow-up, no accountability. I need to be able to ask a question about my mortgage and they won ; t speak 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 2020-08-24 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: TX

Complaint narrative:
XXXX and Experian did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask XXXX and Experian to provide documentation of debt validation.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information

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 2020-08-24 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:
This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
There is a fraudulent credit card listed under my name with Chase Bank/JP Morgan This account is COMPLETELY fraudulent and I never opened nor applied for it. I have also NEVER lived at the address linked to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX i sent a good will letter and requested that I be given another chance by deleting the late payment for XX/XX/XXXX and XX/XX/XXXX on my credit report.i have been an excellent customer with a good payment history until the economy took a dive.i love navient and all the payment options.it has been 40 days and I have not received any correspondence letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
After providing required documentation for their underwriting department Im not getting any responses at all as to what is missing and what the statuses I have sent several request via email with deadline dates and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies  involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My complaint stems from Bank of Americas refusal to reimburse me for stolen funds that occurred through Bank of Americas banking services. On XX/XX/2020, a check I wrote for {$3900.00} was altered and cashed at Bank of America ( Attachment A ). As you can see, the payees name was covered up and written over with a new payees name. Part of the payee line was also erased, with what appears to be correction tape or fluid. The alteration could not be more obvious, and even the thiefs handwriting does not match my own. 

In conducting its investigation, XXXX XXXX, the bank that issued the check from my checking account, found that Bank of America was the bank of first deposit for the stolen check. Thus, they filed a claim with you to recover my funds. However, the claim was denied by you ( Attachment B ). 

What is most troubling is that your Deposit Agreement and Disclosures states that customers should notify Bank of America within 60 days of any account irregularities or fraud ( Attachment C ). I contacted XXXX XXXX about my stolen check on XX/XX/2020 on a recorded telephone line well within the 60 days that your deposit agreement stipulates. And then XXXX XXXX contacted you with the details of my claim. Therefore, there was no reason to deny my claim. 

Again, the stolen check was cashed on XX/XX/2020 and I contacted the issuing bank for the check, XXXX XXXX, on XX/XX/2020 well within the 60-day reporting period. 

Furthermore, and what I have found equally disturbing throughout this process, is that you are failing in your fiduciary duty to me as I am also a Bank of America customer. Even though the stolen check was from my account at XXXX XXXX, I am also a Bank of America customer. I have had a checking account with you for at least 15 years ( account # XXXXXXXXXX ), I have an XXXX  XXXX credit card issued by Bank of America, and I have paid off a second mortgage that I once held with Bank of America. 

For your information, the claim number for my case is # XXXXXXXXXX XXXX. XXXX XXXX officials said you should be able to locate my claim through your fraud or investigations department. 

I am filing a complaint through regulatory agencies because your Customer Care team could not help me. They said it was because the claim was not directly related to an existing Bank of America account.

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