vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: NV

Complaint narrative:
I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that EQUIFAX Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NV

Complaint narrative:
I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that TRANSUNION Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
- I initiated a wire withdrawal from Gemini Trust Company , LLC ( Gemini ) for the amount of {$10000.00} on XX/XX/XXXX. Gemini sent confirmation of having received the request and that it was " initiated '' on the same date, and that it would " arrive within one business day. '' - Two days later, XX/XX/XXXX, Gemini sent a notice saying that the withdrawal had been " sent '', and that the funds would arrive in the receiving bank account " shortly ''. 

- One day later, XX/XX/XXXX, I made a support ticket on the platform requesting assistance as the promised funds still had not been reflected in the intended receiving bank account. 

- One day later, XX/XX/XXXX, a service representative replied to the ticket asking if I still had not received the funds. After confirming that I had not, they said that the support request would " need to be escalated to another team so that they can take a closer look ''.

- Four days later, XX/XX/XXXX, I posted about my specific issue on an external platform monitored by the company and was able to get ahold of another service representative. The rep told me that they " sent this over to the right team so they can take a look at this. ", and to message them again if I still had not heard from anyone in two days time, on XX/XX/XXXX. 

- Two days later, XX/XX/XXXX, there still was no official update on my issue through email so I notified said rep about this. They apologized for this and then said that they " went ahead and escalated it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TX

Complaint narrative:
On or around XX/XX/2021, Paypal decided out of no where to freeze my account ( XXXX ) and not allow me to use it, because I had a fraudulent transaction that was not even with pay pal it was with my primary bank, but my debit card from my bank was linked to my pay pal business account.. With then freezing my account I have not had access to the {$310.00} dollars that was in my account when they froze it. I was informed that I would be able to obtain my money 180 days from the date it was froze, after multiple attempts to contact paypal customer service and attempts to obtain my money myself threw the online portal I have been unsuccessful XX/XX/XXXX XXXX, paypal respond by informing me that they had allowed me to accesses my account to my funds. I have not been able to get into my account. I have contacted customer service multiple times, I was informed on XX/XX/2021 they would mail me a check and as of today XX/XX/2021 still have not received a check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I woke up one morning to my account balance being low. I signed in, only to find out my account was wiped out by XXXX BY XXXX XXXX 4 times. The amounts were between $ XXXX {$100.00} dollars. I contacted my bank immediately and they let me know that there has been charges as far back as XXXX. Total of {$600.00} cents. The rep cancelled out my card and issued a new one and told my I would get provisional credit within 24 hours but its usually within a couple of mins. I never received anything, so I contacted the bank again. Only to get told I am lying and no rep would say that to me. I had my call escalated and answered by a manager named XXXX who continued to call me a liar. He said its impossible. He said he doesnt have the ability to pull the calls. He then raised his voice at me and basically told me he cant do anything. They have until XXXX to issue a provisional credit. He then hung up on me. I contacted XXXX and XXXX who pointed the finger at each other. Finally the highest supervisor available at XXXX, told me to call my bank. They closed down the account immediately and apologized for the fraud and said they are really sorry they cant do refunds BUT she said the way it works is that my bank disputes the charge and issues the provisional credit. I just moved into a new home with my wife and newborn daughter and we had to tell our new landlord that the other half of our deposit has to be post poned because of the fraudulent charges. Ive had many banks before and never ever experienced this issue. I am beyond stressed at this point and will be closing my account after the dispute is finalized. I even offered Bank of America to do a 3 way call with XXXX so they can relay the charges were fraudulence and I do not have an account with them. They said they cant do that.

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 2021-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have had a credit card with Kohls for over 7 years. Not one time was late. Until a couple of months ago I made the payment, but they put it on my credit as 30 days past due. I called them and wrote a letter and I was told I missed the billing cycle by a couple of days. I wrot a letter saying I dont understand billing cycles, as I am a front line health care worker. I have never been late and promised it wont happen again and that I plan on paying it off in a couple of month, so to please remove it from my credit. Its still on my credit ruining my score when I was wanting to buy a new house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NV

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the multiple requests I sent. However, any modes of response or coordination were not taken on their end. The EQUIFAX Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dealership sales man pressured me into giving SSN to verify my Identity even after providing my XXXX Drivers License. Then proceeded to run my credit through different banks without my consent at all verbal or wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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

Complaint narrative:
PayPal permanently blocked my account on XX/XX/XXXX and XXXX XXXX after receiving money from a family member who stays and works in XXXX, she sent me {$2100.00} and collected their shipping cost and the remaining amount now is {$2100.00} They asked for a receipt and I did send them the receipt used to make the payment and after their reviews, they permanently limited my account and my money is there and they won't allow me to transfer my money. 
I created my Paypal account when I traveled to XXXX XXXX XXXX where I heard of it from a friend before returning to my country and I've been using it since then. 
I need this money in this pandemic and XXXX is fast approaching too. 
I need the help of the CFPB to get my money out from my Paypal account. 
This is affecting me in a very short bad way and causing me many inconveniences. 
I didn't use the Paypal account for any fraudulent act I need to pay some bills with it. 
And this is my email address for the Paypal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I did not get a car loan and would love for this to be removed off my credit report as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I contacted Bank of America by phone after I noticed XXXX  overdraft on my account that totaled {$140.00}. I told them that I was not working and I need the money to cover my car loan. They say they can't reimburse their fees so I tell them to freeze my account that way I don't have any further charges because I have no money to pay for the overdrafts. The rep told me to freeze my debit card which I did. Next day I got XXXX more overdrafts totaling {$280.00}. I call the bank again and the rep on the phone assure me that he placed a freeze and no transaction was coming in from any merchant. I also went to the branch in XXXX were I opened my account but the banker in the branch told me she could not help me. Today XX/XX/2021, I see a transaction from XXXX coming in, which means they really didn't freeze my account. I consider this predatory fees completely unnecessary specially on someone that is going though financial mishaps.

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 monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
My loan servicer is the Gregory Funding LLC. The origignal lender is-XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. All my mortgage payments made until XX/XX/2020 were hid, converted and never reported/disclosed by the Lender to all 3 Credit Bureaus XXXX As a result of COVID-19 global health outbreak, I was hit hardest, struggle with extreme hardship, as indicated in attached letters. I asked the Lender under CARES Act for the Forbearance or other repayment plan. Three times I mailed a full package substantiating the proof of hardship attached with the Forbearance Agreement. The Gregory Funding LLC and XXXXXXXX XXXX XXXXXXXX received, verified and confirmed full satisfactory evidence for further processing. Thereafter the Lender defrauded and cheated me, by accelerating a Forelosure proceeding. Please review the attached and contact the XXXX. Please review the XXXX website for alarming records of other victimized homeowners complaints against the Gregory Funding LLC. That raises a red flag. The Government keeps a blind eye over this suspicious company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: CA

Complaint narrative:
Dealership sales man pressured me into giving SSN to verify my Identity even after providing my XXXX  Drivers License. Then proceeded to run my credit through different banks without my consent at all verbal or wet signature.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-19 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: MD

Complaint narrative:
On XX/XX/2021, I pulled up a copy of my credit report and notice unauthorized hard credit inquiries on my credit report. 
I then proceeded to call the credit reporting company to have that inaccurate information removed. They then told they cant do so and that I have to dispute it through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used my Chase debit card for online vacation package purchase made to XXXX XXXX. Please review the attached. I am not represented by a lawyer. I filed a dispute with this company demanding my money back due to fraud ( services were not provided as described/false advertisment ). Chase Bank failed to process my dispute, even though I fully met the burden of proof. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
1.I have never had an account with this company DEPT OF EDXXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DEPT OF ED/XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: MD

Complaint narrative:
On XX/XX/2021, I pulled up a copy of my credit report and notice unauthorized hard credit inquiries on my credit report. 
I then proceeded to call the credit reporting company to have that inaccurate information removed. They then told they cant do so and that I have to dispute it through the mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: SLM CORPORATION
State: CA

Complaint narrative:
I HAVE NO RECOLLECTION OF EVER USING THIS CREDIT SERVICE OR APPLING FOR ANYTHING WITH THEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation