vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
After notifying the Portfolio Asset Recovery company that XXXX XXXX places a cease and desist order on the account that they have reported on my consumer credit file, this company continues to willfully and knowingly engage in negligence and abuse of my consumer credit file by reporting negative marks against my credit reports, this affecting my credit scores. They show the account closed on XXXX  and continued reporting through XXXX  and XXXX  as open accounts. Included are the screenshots of the reports. The closed report is XXXX, the payment dates showing negative are from XXXX  and XXXX  is shown with the green through XXXX XXXX. This company knows full well what they are doing and I have contacted XXXX XXXX regarding this, hence the cease and desist for this account. I am actively engaged in business with XXXX XXXX to this date and am requesting a full deletion of their account information from all of my credit bureau reports IMMEDIATELY. This company has a reputation for abusing consumer credit files and in particular accounts that they can not collect payment for. I will not accept this any longer, nor will I allow re-aging of the account to occur on any reports no matter where they are reporting accounts. I expect a full deletion of their account to be made upon receipt of this complaint and if it not done so accordingly, I will obtain permission from XXXX XXXX to seek statutory and punitive damages against this company for their continued abuse. I have the copy of the letter sent from XXXX XXXX stating the cease and desist order from their Corporate Office per my direct contact with the CEO and President. This company has not abided by this order and legal actions will be taken and the evidence of this letter shall be presented in a court of law showing the order from their offices. This companys reporting is so inconsistent and varying that it seeks to do more damage on a consistent basis to a consumers credit files, while intentionally violating the FCRA and FDCPA as well as state laws that protect a consumer from such abuses.i have also included a screenshot of the federal lawsuit brought upon PRA by the CFPB for willfully engaging in the same tactics and business practices to this day that it was found to be in violation of and ordered to pay millions in damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 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: Risecredit, LLC
State: TX

Complaint narrative:
Rise is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: WI

Complaint narrative:
I refinaced my vehicle in XX/XX/XXXX. XXXX was on communication with my bank in advance and the check was mailed to them XX/XX/XXXX and cashed XX/XX/XXXX paying off the entire balance. XXXX reported to the credit bureaus that i failed to pay my car note in XXXX and XXXX and also that the loan was paid off in XX/XX/XXXX all of which is inaccurate. I submitted a dispute and nothing was changed.it is impossible for my payments to be 30 days past due when the account was paid in full on XX/XX/XXXX, the note was due XX/XX/XXXX and last payment in full was XX/XX/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 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have numerous times ask Equifax for Verification and Validation of this information, ive also ask the company mentioned for the same. Ive sent Reports to Equifax telling them that my Identity theft and asked for removal of said account from XXXX XXXX XXXX XXXX. FCRA Section 605 ( b ) ( Equiafax response and Reports that i sent are attached ) I've also sent information referrals on this company to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NY

Complaint narrative:
2nd request. Errors on my report not rectified, please see attach ID and ss card per your request. AGAIN

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 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized tradeline from Credit Collection Service located at XXXX XXXX XXXX, XXXX, MA XXXX showed on my XXXX  credit file. I'm requesting signed verification of my agreement to do business with this creditor or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Bank charged me maintenance fees two months in row, causing a negative balance in my checking account. My checking account balance was XXXX as of XXXX. Due to the pandemic, my salary was no longer being direct-deposited into my account. So I scraped together every dime I could to boost my savings account balance up to the {$25000.00} amount that waives monthly fees on both accounts. Nevertheless, TD Bank imposed a {$25.00} fee on XX/XX/XXXX, and another on XX/XX/XXXX. I wrote to TD Bank on XX/XX/2020 to explain my situation and ask for fee reversal. A copy of my letter is attached. TD Bank either ignored my letter or laughed at it, because next I received a collection letter from TD bank, accusing me of a {$50.00} " overdraft. '' No way have I ever overdrafted any bank account! TD Bank put my account into the negative with its heartless fees. All I keep hearing about are other banks granting mortgage forebearances and other help to customers affected by the pandemic, but TD Bank seems to want to profit from it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I refinanced my mortgage with a new lender from Wells Fargo on XX/XX/2020 and a payment was sent to Wells Fargo on XX/XX/XXXX and XX/XX/XXXX to pay a mortgage that had been closed! My admin department within the XXXX did not stop the allotments in time and Wells Fargo subsequently got overpaid {$1200.00} times 2! When I discovered the money was not refunded as XXXX said it should have been due to a rejection requirement by Wells Fargo who should have never accepted the payment on a loan that was closed! I requested via Wells Fargo that the money be returned to me as it did not belong to them or XXXX! Wells Fargo remitted the payment to XXXX which never ( after 23 days ) received the payment ( s ). When I asked for my money to be returned to me they declined and stated it had to go back to XXXX and when I told them that since they received the funds instead of declining the transaction that there is no way for them to mail a check to XXXX to return the funds that it had to be EFT! They declined to agree, cancelled the original check dated XX/XX/XXXX and sent another one! I am on the fringe of losing my mind! I deploy in 3 weeks and I am having to use my credit card to buy food for my family so I can pay my mortgage! COVID 19 has already burdened my family and Wells Fargo is compounding the issue!

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 2020-06-12 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: GA

Complaint narrative:
XXXX  XXXX XXXX {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. XXXX  XXXX offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist

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 2020-06-12 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 {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. XXXX  XXXX offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: GA

Complaint narrative:
XXXX  XXXX XXXX {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. XXXX  XXXX offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I tried to use my Chase ATM Debit card to withdraw money. I wasn't able to. On the XX/XX/2020 I called Chase Bank and asked why I wasn't able to withdraw money. Customer Service told me that my accounts were being closed. They were unable to give me a reason. They told me that my money would be issued within 10 business days and that if I wanted more information, I would have to go into a Chase Bank Branch in person to request the reason why. I went to a Branch on XX/XX/2020 and was told that they did not have any additional information to give me. The branch manager called the " backoffice '' for me and they told her that they could not tell her why they closed my accounts. They told me that they would issue me a letter. I received a letter saying that the Bank had decided to end my relationship and that no further information would be given. I have perfect credit, have never had a bounce check or late payment but was still not given any reason. My Checking account ending in XXXX had a balance of {$7800.00}. My account was closed " OFFICIALLY '' on XX/XX/XXXX. The account was put on restriction on XX/XX/XXXX and I was not allowed to withdraw my funds. Today is XX/XX/XXXX and the bank has not released the funds. After spending 2 hours on the phone, I was told that my account was under review with Loss Prevention and that the funds could not be issued. I explained to the representative that I was told the money would be sent. Chase refuses to tell me when my money will be released and they told me to call back on Monday the XX/XX/2020. The bank is holding my money hostage and will not release the funds. I want to know why they are doing this and why they closed my accounts without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX. Company Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
I operate a XXXX XXXX XXXX, XXXX XXXX. I have used PayPal as an additional payment provider for a few months without issue. 

On Monday XX/XX/2020 PayPal sent me an email notifying me : " We've permanently limited your account ''. PayPal did not provide a specific reason but said they have determined I am in violation of PayPal 's Acceptable Use Policy - but again providing no detailed information. 

PayPal informs me that it will hold my balance of {$490.00} for 180 days. 

I attempted to request a review of this decision through the resolution center, but this option was not available to me. I have attempted to call PayPal several times without success. I have emailed PayPal several times, again without success. 

At this time, it seems impossible to actually get through to a human being at PayPal and I would simply like my balance returned to me. 

It is highly unethical for PayPal to withhold money that belongs to any business for 180 days. I understand that many people have and continue to experience this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data systems XX/XX/2019 {$420.00} I have reached out to medical Data about this account. This account is a result of identity theft.

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 2020-06-12 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: TX

Complaint narrative:
XXXX  is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.

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 2020-06-12 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: TX

Complaint narrative:
XXXX  is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TX

Complaint narrative:
XXXX  is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.

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 2020-06-12 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX. Company Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX. Company Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Synovus Bank
State: GA

Complaint narrative:
I submitted an online application with Synovous bank and have experienced communication issues, discrimination and fraud from the Loan Originator/ Market Sales Leader XXXX XXXX XXXX Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
United Auto XXXX {$4800.00} XX/XX/2016 This account is an result of identity theft. this account was offered to be removed. United Auto XXXX did not furnace documents to support this information thats on my credit report. this account has caused me financial ruin

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
The Sr. Mortgage Loan Officer named XXXX XXXX of CrossCountry Mortgage failed to send us the correct closing documents in a timely manner, then attempted to tack on additional fees after we were left waiting to sign our closing package without providing notification. My wife and I had to send multiple corrections of errors to the Net Tangible Benefits disclosure forms, many of which were outright ignored. The company has purposefully delayed signing forms and not provided transparency in an effort to increase the closing fees. 

Our lock expiration date is scheduled for this upcoming Saturday, XX/XX/XXXX. We signed an initial closing disclosure on Tuesday, XX/XX/XXXX, after which, the company sent us a revised closing package on Wednesday, XX/XX/XXXX, to be signed again. We were waiting for the next steps to finalize, and in email correspondence, the loan XXXX neglected to notify us of the options available to close in time, then added a {$1000.00} filing deadline extension charge on to our closing fees with three business days remaining before our original loan expiration date. 

If the company fails to take the appropriate action within the next 24 hours ( outlined in the next field ), then we will miss our expiration date by no fault of our own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I can no longer use XXXX because it said PNC is making it difficult to allow online transfers. I'm considering closing my account because of it.

Company response to consumer: Closed with explanation