vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I was in a XXXX  XXXX bankruptcy that was dismissed in XXXX of 2020. I had a vehicle that was part of the bankruptcy and the original account was sold to a collection agency, Portfolio Recovery Associates. I never got any notice claiming that there was a balance owed and didnt know that until I called to inquire about the title. I was told that there was a balance on it. I asked for written verification but never got it. I still have the vehicle and I am trying to sell it to a dealership but they need a 10 day payoff letter. I have called and emails the person that I was referred to at Portfolio but she has not gotten back to me with a payoff letter or any other debt verification. I can seek the vehicle quickly and get them their money quickly but they dont want to help by getting me a simple payoff letter. All I need is a 10 day pay off with the per diem and an address to send the money to but again they dont want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I received a letter from our mortgage servicer stating that our loan had been transferred to Mr. Cooper Group Inc. ( " Mr. Cooper '' ) and that the transfer would be effective as of XX/XX/2021. Since then, we have received no communications at all from Mr. Cooper despite my calling their customer service department and inquiring, as well as contacting our prior mortgage company ( The XXXX XXXX ) for advice on how to make our XX/XX/XXXX mortgage loan payment, which was of no help. I have been on the Mr. Cooper website several times- including today - and have entered our former loan number and my SSN into their online database for " Transferred Loan '' information. Upon submitting my information, their database returns an error message stating that it has no information and to wait for " up to seven business days '' from the effective date stated in the letter for the transfer information to show up. Meanwhile, I can not create a customer loan account online. See the attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
My IRA funds were moved from TCF bank to Huntington National Bank due to some type of merger or acquisition. First our funds were to be available after XX/XX/XXXX, then after calling they said it was XX/XX/XXXX for IRA 's. After that time I set up web access. 
I have used the Huntington website, which was not helpful. It states that statements are not available for my type of account. NO IRA Statements are provided. I do not leave near a branch. As in one phone call the person on the line started to say I had to go to a branch, but there are no branches in my area. 
I have called the bank more than 10 times. Most times never getting through. Leaving call back numbers was not working as I am at appointments and calls all day. I have tried to call at night, before 8. 
The one time I spoke to someone I thought was helpful named XXXX on XX/XX/XXXX, I thought I was successful. This was on XX/XX/XXXX under confirmation number XXXX. He told me he would get a statement out to me. None came. 
Today, XX/XX/XXXX I used the call back feature early in the morning. I was called back, waited 9 minutes for someone to pick up, then spoke with XXXX. I explained my frustration, he put me on hold and then 31 minutes later disconnected me. I had asked to speak to a supervisor because I did not want to hang up until I could obtain a statement. The IRA institution that I wish to roll the funds from Huntington into requires a statement from the current bank. This is common practice for all transfers. They will not complete a successful phone call, their online services are not adequate to handle IRA 's and I feel they are trying to keep my funds against my wishes. I tried to use screen shots of my account with my new Financial institution but they could not use that. Thank you for any help that can be provided. XXXX XXXX My phone number is XXXX. 
XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Yesterday XX/XX/2021, XXXX XXXX, had sold me something she had for sale on XXXX and after she contacted me on XXXX. She had told me to zelle her the money in order for her to mail it to me through XXXX. She kept asking me for money saying XXXX kept asking her for money in order for them to send it to me. She said asked me for more money I order for them to start the process, but it was way to much money she was asking for, and so she never gave me the package or my money back, she said she was going to give me the tracking number but she never did. The total amount I had sent her was a total of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Annual Escrow Account Disclosure Statement has a material error - the estimated property tax for XXXX is double what it should be ( from $ XXXX in XXXX to $ XXXX in XXXX ), resulting in an error in my new payment effective XX/XX/XXXX. I have called four times over the last month and each time the customer service representative quickly recognizes the error, escalates the issue, and promises that it will be corrected and that someone will follow up with me. I have yet to receive any follow ups or notices of correction. This is my third CFPB complaint submitted against BSI Financial Services since my mortgage was transferred to them XXXX year ago. Apparently, submitting CFPB complaints is the only way to actually get them to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NY

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I paid the debt off through the settlement of the company that currently has the debt.. Portfolio Recovery Associates. Portfolio Recovery Associates in fact sent me a letter stating the debt was paid in full on XXXX XXXX however, XXXX, XXXX and XXXX continue to share the erroneous debt and amount on my credit report. I have repeatedly disputed the debt and called numerous times and it still appears as a outstanding debt affecting my credit and score. I have spoken to XXXX XXXX XXXX XXXX, Portfolio Recovery and XXXX please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
From XX/XX/XXXX, I called the company numerous times about the amount of the car and the terms. The first thing that happened was covid. I bought the car at the end of XXXX or beginning of XXXX. Then, covid happened and I lost my job before the 1st payment was even due.. I called about returning the car because I couldn't afford it now. The company told me I couldn't return the car but I can do a covid 6 month paperwork to not have payments. I told them I know I'm still not going to be able to afford it. They told me I can sign the paper or let the car be repossessed. In XX/XX/XXXX, after the 6 months was over I started making payments I couldn't afford. I was still unemployed. Then, the interest rate was high so I said I wanted to refinance so I can get out of this loan. I didn't see any other way out. I refinaced the car XX/XX/XXXX. They received the 10 day payment in the 10 days to covered the $ XXXX amount. However, the company didn't cash the check in time. Which then left a balance of {$26.00}. I called and talked to a representative, which explained the situation to me. I told her I have proof of when it was received and cashed. She declined to remove the amount. Then, I talked to a representative at my bank that then at that time send another check for the {$26.00} balance. I called again a representative said they cashed and received it on XX/XX/XXXX. However, the company still reports I owe them a balance. They aren't helpful when you call to handle the situation. I don't know what to do anymore.

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 2021-12-03 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:
There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I don't think I was late in the month 's reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-03 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: FL

Complaint narrative:
Cares act letter attached

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 2021-12-03 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: NY

Complaint narrative:
I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under XXXX XXXX XXXX for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX has been assigned a few of my medical bills that are in collections. Due to being unemployed, I have contacted the business recently to accept XXXX ( XXXX ) account settlement offers and paid them. For the first account with an initial balance of {$190.00} ( acct ending in XXXX ), I paid {$160.00} via debit card ending in XXXX on XX/XX/2021. For the second account settlement, the initial balance was {$190.00} ( acct ending in XXXX ) and I paid the settlement offer of {$150.00} via the same debit card referenced above. I understand that it typically takes 30 days for resolved accounts to reflect on a credit report and obtain a letter of debt settled, however, I have asked multiple representatives to provide me with receipts in reference to these monetary transactions and they all refuse. I have spoke with the " supposed '' supervisor XXXX XXXX ( unsure the exact spelling of first name ), and even she gives me the run around. Due to the lack of professionalism and contradictory statements, I do not have faith that my money has been applied to the referenced accounts appropriately, and without some sort of proof of payment towards these accounts it is simply a bunch of hearsay. Additionally, multiple representatives have told me that I have XXXX additional open collection accounts, both totaling under {$50.00}, which are not on my credit report and I have no clue what they are in reference to. When I ask for debt validation of these accounts, the representatives and supervisor ( listed above ) tell me they are unable to provide that information. I am considering getting my attorney involved because I feel the business practices are unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
XXXX XXXX letter attached

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I see things may be inaccurate. Start looking at the account name, opening date, date of last payment, date last reported, and account status.

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX Bank of America closed my account for no apparent reason. I have tried to get this issue fixed through numerous trips to financial centers and calling over the phone and each time i get a different answer. I have never had any negative business with Bank of America. I have held XXXX credit cards and my mortgage is currently with them. This is absolutely ridiculous. I recently attempted to open an account online to become apart of the preferred rewards program to use some of the perks when it is time for me to purchase a new home in XXXX. I got a message that i needed to go into a branch and present my ID. I did this and banker says she can not help me and that i need to call some phone number which starts the whole ferris wheel over 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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I signed up for venmo on XX/XX/2021. I sold a saw to a friend and he paid me {$350.00} on venmo. I added my debit card to my venmo account and tried to transfer my {$350.00} into my card and it wouldn't work. So I then tried to order myself uber eats because venmo advertises you can use your venmo balance to pay for XXXX eats and twice it declined it and then froze my account. On XX/XX/2021 I called and talked to venmo in which they told me I would be contacted by email in XXXX hours. The following day venmo emails me request a copy of my driver 's liscense so I immediately use there upload link and upload my Id. I recieved an email shortly after saying they had verified my identity and I could begin using venmo as normal. So I tried to send {$20.00} out of my account and it immediately froze my account again. I email venmo and once again they say my account is unfrozen so at this point I want my money out of venmo so I contact my bank at XXXX XXXX XXXX XXXX and they tell me I can make the transfer from venmo. I get back on venmos app and attempt to add my credit union through their app with plaid and i get a quick message that says success then the screen displays an x with the words " Something went wrong ''. They had froze my account once again for trying to add my bank account that is in my name. So I email venmo again and this time they send me a message back saying they have permanently XXXX my account and I can no longer use venmo and that I could not transfer my {$350.00} out of my account. They said they were keeping my money and in 6 months they would email if i could transfer my money. I did not violate any of their policies. I opened account tried to transfer money tried to pay for XXXX eats and tried to add my personal bank account and they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is a formal request for an investigation of this account 's creditor remarks, date opened, and date last reported. There is a possibility that this information may be inaccurate.

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