vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: CO

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: SC

Complaint narrative:
On ( date provided in letter ) I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I run my XXXX XXXX on XXXX. I buy my goods from the proper market. I have a proper invoice, but for some reason PayPal took my money out of my wallet PayPal - negative {$4200.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$4200.00} XX/XX/XXXX Transfer Paid with Balance {$4200.00} Transaction ID XXXX Seller info PayPal Note {$4200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened a business account for my company on XX/XX/2021 with NFCU as I am a personal member. I am a consultant that offers small business consulting and career services consulting to individuals. I just opened a logistics subsidiary, XXXX XXXX where I will be providing interstate carrier services as well as freight broker services. I added a DBA to my business XXXX XXXX as well. 
However, on XX/XX/2021, my business account was abruptly closed without any notice or contact as to why. My business account was under XXXX XXXX, XXXX and my access number was XXXX. I only had the account maybe 2 weeks before it was closed with no reason as to why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I was told that I would not have any fees associated with my Citibank Checking account as long as the balance was above {$1500.00}. I left the account without looking at it for over a year because I was confident that there would be no fees after my conversation with a Citibank agent.

I returned to my account and found that I had been charged {$25.00} / month and had over {$400.00} in fees on my account with no other transactions. I asked the bank to refund these fees and they refused.

I asked if there was any way to have a paper trail for written communications with the bank and was told that no, that phone calls and recordings are the only way to manage communications. The agent made a mistake and misinformed me but because of Citibank 's policy there is no way to prove this or make a case. 

They collected hundreds dollars of fees for NO VALUE on a checking account I only kept open because of the explanation that there would be no fees.

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 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I have initiated a legal complaint with my former lenders ( XXXX Mortgage XXXX and PennyMac Loan Services , LLC ), which are case # XXXX at XXXX XXXX XXXX XXXX XXXX ( inactive - removed to federal court ) and Case # XXXX with the XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX ( active ). I've intended on reporting both lenders for some time, but my health just wasn't in a place that let me do so, plus every time I said I was going to, PennyMac would suddenly seem more amiable. I was giving them the benefit of the doubt on those occasions. 

The essence of my complaint include a minimum of : - 14 violations of T.C.A. XXXX ( a ) - 3 violations of T.C.A. XXXX ( b ) ( 12 ) - 3 violations of T.C.A. XXXX ( b ) ( 13 ) - 4 violations of T.C.A. XXXX ( c ) ( 1 ) - 3 instances of actual or constructive fraud - an additional instance of actual fraud - fraudulent concealment - 3 breaches of contract ( T.C.A. XXXX ) - just found the 3rd one last week - 17 months of conduct that culminated in I.I.E.D. See Doc. No. 1-2 I say a minimum of the above, because these are the only ones that I know I can prove. I'm attaching the amended complaint, which is super long, and the motion to remand, which has a 5-page summation under the section labeled " BACKGROUND. '' It looks like your system will allow me to attach all exhibits associated with the background section of the Motion to Remand. If for some reason you don't receive them all or need the other exhibits, please feel free to reach out to me for them. I can email them to you. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I disputed my last 2 transactions with PayPal, because the items were never shipped, therefore never received. I reported it and opened a dispute on XX/XX/21, I logged in to check the status today and you closed the disputes the same day I opened them and I don't have a refund nor my merchandise. I placed the order on XX/XX/21 and it was supposed to ship out that day. It is now XX/XX/21 and the merchandise still has not shipped. I have been in daily " texting '' contact with the Store. I opened a complaint with Paypal on XX/XX/21 noting that the merchandise was never shipped nor received, and Paypal closed the complaint the same day without investigation nor resolution. I can not contact Paypal, they hang up on me and wont respond to my emails. How do I proceed to make things right? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
A loan we have is serviced by Shellpoint Morgage Servicing. Shellpoint put a loan in forbearance that we never asked to have in forbearance. They cancelled my autopay, and then when the payments were late they reported it to credit bureaus which is now preventing me from getting other loans. I have contacted them dozens of times and they are opaque and unwilling to help. I have all the documentation in the world telling them they made a mistake, pleading with them to help. To this day I can not setup autopay that they cancelled and pay manually every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased my vehicle on XXXX XXXX which was financed through SunTrust bank. I had requested to have a pushback on payment twice which added an additional four months on my 72 months to 76 months. I did not know that they sold SunTrust to Truist at anytime during the XXXX or XXXX until I started calling regarding my account. If my account began with the first payment on XXXX why would they say that it matured on XXXX and the four additional months bought it to XX/XX/XXXX? If my loan matured in XX/XX/XXXX my additional four payments would have bought me in to XXXX. They would say that my loan had matured that there were no more monthly payments even though I was still making my {$420.00} online payment to them. I called over twelve times and every time I got a run around with no answers as to why I had a balance of XXXX. I knew that I had that balance for I received an email on from Suntrust stating that amount. Emails were sent to them, phone calls and no one ever answered to as to why this amount. I feel that in the transfer of sales from SunTrust to Truist they never did the right thing in posting payments and that there was an error somewhere in my account on their behalf. I have paid off my account and never ever received an answer to all the extra money which I believe that I should be refunded for my payments were made online every month and in adding the dollar amount it does not come up to the payoff even if I add extra for late payment which is no where near the amount. I would receive phone calls about my balance owing but no phone call as to an explanation. No one has no clue as to why.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens XXXX mo XXXX XXXX XXXX XXXX, I presume no proof of the alleged debt, therefore any such debt, in fact exist.

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 2021-04-09 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Repeated calls from aspire claimed XXXX due back from 2013 the company went out of business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED

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 non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED

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 non-monetary relief
Consumer complaint received 2021-04-09 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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I received the response from Enhanced Recovery regarding my dispute. The company advised they stopped collection efforts ; however, the debt is still reporting to my credit. At no time have I received a fraud packet that is mentioned in the companies response. I hired an attorney and that packet was not received by my attorney when I originally disputed the debt. The attorney received copies of phone bills that DID NOT HAVE MY NAME. No contract has ever been made with XXXX in my name. I have never had a XXXX phone number or account. Again, when I called XXXX years ago they advised the file was NOT in my name and the social security number did not match mine. It wasn't until years later I discovered that XXXX changed the account name to match my name. The account continues to report to my XXXX credit Bureau report. I do not owe XXXX for a phone bill. the validation of this debt has not yet been received. Additionally, any original contract will prove the debt is not in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
Heartland ECSI keeps rejecting my documents to receive loan cancellation and deferment for being a Special Education teacher in a title 1 district. I have held this full time position since XX/XX/XXXX. 
On XX/XX/XXXX I submitted the forms with a letter from my principal to have my loan cancelled and deferred and it was rejected. I called Heartland ECSI to ask why and they said to have my principal add the dates that I have been employed. On XX/XX/XXXX I submitted the forms again with my principals letter and they were rejected. I called again and they said to have add a paragraph about what my job is. On XX/XX/XXXX I submitted to have my loan put on forebearance until I can get another letter from my principal. My school has been virtual since XX/XX/XXXX and its been extremely hard to get paperwork from my principal. I dont understand why I needed to have a letter from my principal in the first place, she filled out the entire form for me stating that I am a teacher at her school. Why were my original documents rejected?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
I am receiving calls and texts message from a company that i don't know, how they have my information is unknown and I would like it to stop.

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 2021-04-09 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:
I am an identity theft victim. I never authorized, used, or benefited from these accounts or transactions in any way. I am writing to dispute the following items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation