vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
When our state closed down my business was force to close and I had no income, I contacted all my debtors and notified them that I would pay what is owed when our state opens back up. All agreed and followed through except one who I contacted two weeks in beginning of XXXX. I called and told them and they said it was ok and to just get caught up when we reopened. I told them this was not my fault. When I called the call center was backed up and and they were trying to rush through my call. The business was XXXX XXXX. In 90 days I totally paid off the account in whole and they did not close it as requested on the phone while making the payment. They then reported me 90 days late and delinquent. It has not updated. In months and I requested a investigation to clear their error and they have not done so. This is the only company now refusing to change my credit account rating on XXXX XXXX which is ruining my credit rating for any future credit. I only carry two credit cards and both are paid off monthly and I have one car loan. They refuse to admit their error when they told me they would not ding my credit due to COVID 19 shutdowns. I just want them to show on the report it was paid and that I did call for assistance on time to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The account was in charge off status on my report from Equifax and XXXX I disputed the account and it was removed from XXXX but not Equifax. In XX/XX/2020 it began to show as an open account and as current which dropped my Equifax score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my XX/XX/XXXX! However if you look at the history of the account you will see it should not be reported as open and current!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The account was in charge off status on my report from XXXX and experian I disputed the account and it was removed from Experian but not XXXX. In XX/XX/2020 it began to show as an open account and as current which dropped my XXXX  score down over 120 points. As of XX/XX/2020 the account reappeared on my experian account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my XXXX! However if you look at the history of the account you will see it should not be reported as open and current!

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 2020-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Venmo opened a personal payment account for my daughter who is XXXX years old, in violation with Venmo 's own legal terms. My daughter is using this Venmo account to make payments for substances she is not legally allowed to purchase, namely vaping devices. Venmo failed to implement appropriate controls to confirm that my daughter, upon opening this account, was in compliance with the legal terms posted on Venmo 's website which state " To create a personal account, you must be a resident of the United States or one of its territories, be at least XXXX years old or the age of majority in your state of residence and use a cellular/wireless telephone number that you own. '' I have contacted Venmo via email to request that my daughters account be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, i tried to withdraw all {$3000.00} of my own money which i had stored onto Cash App. They suspected " unusual activity '' and Cash app locked my account saying " My account is locked and it will take 24 hours for support to contact me. However i still have access to see my balance. '' The next day which is today .. I received another email stating saying " Email Address Unlinked XXXX has been unlinked from your Cash account. If you did not request this change, please let us know. '' Now i have no access to my account or my funds, this is an extremely concerning matter and i'm left in the dark about this who situtation. Also no one from support has contacted me within the 24 hours stated. 


I've tried to contact them numerously, no response and now i'm just missing {$3000.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Problem : Unable to access my checking account funds at Bank of the West ( BotW ) XX/XX/2020 : Applied for Bank of the West " Any Deposit Checking '' account online, received email confirmation. Used a XXXX debit card to fund the {$5.00} opening deposit. The debit card transaction was approved and funds were taken out of my XXXX account. 

XX/XX/2020 : Account approved and opened, received email confirmation. Immediately created my online banking account, was able to log in and see my routing and account number. 

XX/XX/2020 : Tried to log in to online banking via webpage and mobile app, both methods showed the error message : " Were Unable to Complete Your Request Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX XXXX XXXX ), option 3 ( TTY XXXX ). '' XX/XX/2020 : Called XXXX ( XXXX ), spoke to banker about my problem. Banker told me that he was not able to see my account on his end, and would open a case inquiry to see why my account " disappeared ''. He said BotW would get back to me in 3-4 business days. I told him that it was important for me to access my account because they took my {$5.00} opening deposit already and I wanted to use the account to receive direct deposits from work. 

XX/XX/2020 : Still haven't heard back from BotW after more than 7 business days, so I decided to file a CFPB complaint because Bank of the West stole my {$5.00} opening deposit.

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 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I could not log in my Bluebird American Express card to check my deposit from my employment. I called Bluebird customer service, and was told my account has been suspended permanently. I asked why, and I was told for unemployment fraud. The customer service representative told me I had to call the unemployment office. I called the unemployment office and spoke to XXXX XXXX at the XXXX KY office location about the issue. XXXX researched my account and found no evidence of any fraud. I call XXXX Bluebird customer service back and told them the finding. The customer service representative stated I had to call corporate office, but I couldnt get the number. I had money on my card. I just want my money returned to me. I do not want anything to do with Bluebird services. I had been a customer with them for 7 years and never had any problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02 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: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
Can not make statements of wrongful reports by PennyMac to transunion about severe delinquency due to COVID 19 DISASTER LOSS. PennyMac is in default. I am currently and have been in the past on COVID Relief not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my 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
Consumer complaint received 2020-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
The servicer failed to pay all taxes on the home. Due to that a lien was threatened on the home due to a tax sale. The company charged me XXXX for legal fees which should not have been charged to me due to their error in not paying. In addition once I was made aware of the issue, the servicer was in the process of transferring loan and would not advise me of anything. I ended up spending XXXX of my own on an attorney. The servicer has not refunded my XXXX payment and should be responsible to reimburse me the XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my 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
Consumer complaint received 2020-08-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Can not make statements of wrongful reports by XXXX to transunion about severe delinquency due to COVID 19 DISASTER LOSS. XXXX is in default. I am currently and have been in the past on COVID Relief not delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Unable to transfer funds from PNC to a XXXX investment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
This company is reporting an account on my credit report that is not mines i am a victim of identity theft.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am in the process of trying to sign up for money transfer from my personal checking account on XX/XX/2020. This is for XXXX and XXXX. PNC is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: AL

Complaint narrative:
This company is reporting an account on my credit report that is not mines i am a victim of identity theft.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I wrote TransUnion they never remove anything while other two credit bureau which is XXXX  and XXXX  In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



I demand the following accounts be verified or deleted immediately. 
Account XXXX/XXXX  - XXXX {$230.00} USDEPT OF ED/XXXX/XXXX  XXXX {$3000.00} US DEPT OF ED/XXXX XXXX XXXX/XXXX   XXXX {$54.00}

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