vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: KY

Complaint narrative:
Last year, my account was closed by paypal without a reason, and they can not tell me what happened with my account. They just can not help me to do business. That is annoying. Anyway, I was informed I can withdraw the balance after 180days. However, In XX/XX/2020, I noticed an unauthorized activity done by paypal, the money in my account was gone. It shows in the transaction note " {$9500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ''. 

I called, no one can tell what is that about. I tried to reach them several times for help, though the line is busy. a few months have passed, nothing worked. life is hard on me. I still gon na need to pay bills for the family. 

I just heard from a friend that I can file a report here. my paypal email is XXXX. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I've been using XXXX XXXX to work on bringing my credit score back up after significant medical bills, decreased wages and divorce. 

What should have been a simple correction on XXXX XXXX XXXX part, by them contacting Transunion to get them to bring my information up to date on my car loan has turned into a nightmare with me going around in circles with different representatives at Transunion who have told me everything from : 1. " it ( the loan ) doesn't belong to you ''. 
2. " XXXX XXXX deleted it when I disputed the balance ''. 
3. " Hold on and I'll forward your call to our 'Specialized Team ' to assist you '', then the phone disconnects. 
4. " your account has been suppressed ''. 

XXXX XXXX made it clear that it was Transunion who should make the correction not XXXX XXXX. 

It's definitely my loan, I still have another couple of years to pay it off best case scenario. All they had to do was correct the incorrect balance amount that they had on file that was making my score lower than it should have been. 

My score has now dipped 17 points because of this error! 

When I tried to fix it myself online the system refused to let me in and I got repeated error messages. 

It makes absolutely no sense why XXXX XXXX would delete the information with Transunion when XXXX XXXX is currently reporting the correct information to XXXX. 

I believe Transunion is the one who deleted the information in error and instead of apologizing for their error and fixing it they've taken this inhospitable strange stance. 

Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called about an account that has not been updated to my file. My wife has put me on her credit card as an authorized user 2 months ago and Experian is the only agency that has not updated my file with her credit card. I called into Experian and the representative advised me to call XXXX XXXX XXXX in which I did so I called XXXX XXXX XXXX and they have reported it to all 3 credit reporting agencies but Experian still has not updated my file and it has been 2 months.

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 2021-04-06 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
On XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX, XXXX app and XXXX. Upon further research this account is not accurate on the amount that is said that I owe. Debtors creditor did not verify this collection. Also there was no written 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 say its mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. I sent a letter to AAMS XXXX and I have yet to hear back about in regards to the status of that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
As of earlier today on XX/XX/21, I went to my appointment early, and was seen almost an hour after my appointment time, only to learn that my account was wrongfully closed without reason, while I had pending direct deposits. They refused to help me, they would not let me get the remaining balance of my paycheck. I was told to wait and was not given a specific time frame on when I can receive my payment in the form of a check. I am XXXX and recently moved to a new state. My family and I have barely gotten completely settled in. I made updates online to my account, because I did not have the chance to update everything in person. It was literally a emergency move. My rent was due on the XXXX, and now, Late paying my rent, electric and water, as well as other essential bills for my household. A representative explained to me that a temporary lock was on the account until I can verify who I am in person, to notify them of my recent changes. I was told twice by customer service and again to client protection services. Client protection services assured me that nothing had gone wrong with my account, no red flags, no fraudulent activities, and that they only wanted me to verify my identity in person, to lift temporary lock off of my account. I was not told to make an appointment the first time. I was only told after walking in prior to this afternoon.I did everything as advised to do, and found out almost an hour after arriving that they closed my account. They had the call on speaker. This was embarrassing and I did nothing wrong to deserve this. One of the women said something to another woman that was assisting me with my account, saying oh its one of those cases. I sat shocked and in disbelief of what was happening, as tears of anger, feeling drained filled my eyes. Even when I can get this resolved, I never again wish to bank with this branch again. This was a horrible repulsive experience. I was not given a fair chance and I feel I was prejudged.

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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: CO

Complaint narrative:
Hello. Netspend simply closed my account for no reason. I submitted the identity documents that they provided and they sent me a message telling me We have received your documents. Unfortunately, we are unable to verify your identity with the documents you provided. 

All U.S. financial institutions are required by federal law to verify specific customer identity information. 

This account has been closed. If there are funds remaining on this account, a check will be issued to the cardholder at the address on the account or funds may be returned to sender, depending on the origin of the funds. 

For additional information please contact Customer Service by calling the number located on the back of your card. 

Thank you. 



XXXX Customer Service

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have a debt from Affirm account No # XXXX for XXXX paid on XXXX 2021 refusing to update my credit report. I have proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I received correspondence from FCO in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 7. A copy of all payments made with beginning and ending balances 8. original creditor. If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from FCO in any manner other than permitted I will cease all communication ( invoking my legal right to request FCO to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I have a debt from XXXX account No # XXXX for XXXX paid on XXXX 2021 refusing to update my credit report. I have proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: AR

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
After a mortgage loan transfer to Mr. Cooper, Mr. Cooper withdrew multiple mortgage payments for the month of XXXX. 

On XX/XX/2021 at XXXX XXXX PST - A one time payment was made. This was set up to be taken out on XX/XX/2021. Documentation includes the original PDF with time stamp of the one-time payment and email confirmation for the payment. Documentation includes a confirmation number. 

On XX/XX/2021 at XXXX XXXX PST - Autopay was set up on XX/XX/2021 at XXXX XXXX  PST to start the auto-payment process on XX/XX/2021. On XX/XX/XXXX, an email was sent from Mr. Cooper saying they will be withdrawing funds on XX/XX/XXXX. This was NOT authorized. No confirmation number for the funds withdrawn on XX/XX/XXXX. Documentation includes the original PDF with the time stamp of the autopayment setup, including email documentation. 

I contacted my bank to ask for an investigation on the funds. My bank concluded the funds had been withdrawn without authorization. I have a letter from my bank that states this. 

The funds have been reverse. However, Mr. Cooper is charging a {$15.00} fee for the reversal based on their error. In addition, the XX/XX/2021 payment has not posted yet ( today is XX/XX/2021 ). No payment email was sent to the email indicated during the auotpayment setup for the XX/XX/2021 payment - rather an email was sent to my wife 's email. Which was not included during the time of autopayment setup. 

I have called Mr. Cooper multiple times, each day. I have tried to message them via the online message system - no response. I have tried to email them. I have sent them online messages of the persons I speak to on the phone with the information they tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I sent A letter to dispute collections and unauthorized inquiries on my credit report sent out XXXX on XX/XX/XXXX and received on XX/XX/XXXX ( tracking # XXXX ) sent out Equifax which were sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX ( tracking # XXXX and XXXX ) I did not receive respond within 30 days. I requested in dispute letters for copies of proof of the the original contract with originals signatures and if the could not verify and provide proof to delete accounts from my credit report within in 30 days. they did not provide original contracts signatures or proof and they did not remove disputes from my credit report. I also requested for all un authorized fraudulant inquiries listed to be removed and they were not removed. I called equifax today on XX/XX/XXXX and XXXX to ask why where they not removed and they stated they can not remove inquiries that I have to write a letter to each company listed on inquiry and dispute them to get them deleted. 
I would like my the collections I listed to be delete and all inquiries listed to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
The credit agencies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I had a late payment on an account and I called to settle the situation, and even after paying the loan, they still report it as a late payment even though Im on track

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: AL

Complaint narrative:
Hi. This issue started awhile back as Flagstar No longer is my loan servicer. When my realtor pulled the title on my home it shows a lien for 40k due to a partial claim second mortgage filled in my county. I was not aware of this as my loan modification I kept attempting never went through or was finalized due to mess up after mess up on flagstars end. And then my loan was transferred so a modification was never in place. Now Im stuck and can not sell my home due to this I have been calling for two months straight day in and out several times a day and basically takes to every department there. Ive literally begged and pleaded to talk to higher ups or supervisors anything that can simply see I need a lien release that this was filled in error. One 2hr call the one man did clear as day see the error as well as some others and I was assured I wouldnt have an issue that in 3-5 days I would have my release and could close on my home that I had already had to push back one time prior thanks to them! Its been a complete nightmare and I am risking being sued because Im in a contract with the buyers but cant sell without a release that I most definitely should not be going to battle to get as Flagstar Bank and their extremely non compliant ways have messed up big time on this. They put me off on the county, the new mortgage holders, HUD, FHA, and everyone else they say to call. No one has record of this except flagstar and the county flagstar sent it to to be filled. I can not take the run a round anylonger on this huge mistake they made causing me this XXXX! Please help ASAP! Im getting no where with them. I sit on hold for hours on end being transferred to 12 people in one call. Its horrible! Ive been hung up on disconnected and transferred without notice daily I dont know what to do from here my house was to be closed on several times now and Im risking being sued by the middle of this week .. this is extremely urgent please understand I dont know what else to do Ive done everything in my power and spoken to as well as emailed anyone I could. Thank you so much!!!

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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX, and Wells Fargo Card. The Account Opened is XXXX XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : { {$9400.00} } .00 }. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-04-06 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: MO

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation