vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 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: IL

Complaint narrative:
XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.

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 2021-05-22 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: IL

Complaint narrative:
XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.

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 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I keep receiving Credit Cart applications from Capital One that I do not want. The bottom of the form has an " OPT OUT '' phone number, but when I call it the recording requests my Social Security Number. I will never give out my SSN to a recording just to stop receiving credit card applications and I don't trust Capital One with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: NY

Complaint narrative:
I tried to transfer {$500.00} from KeyBank to my XXXX account on XX/XX/XXXX. The bank sent to a different account that is not mine. I called many times and the dispute center escalated my case 3 times and they still denied my claim. I sent them my XXXX statement as proof that the money is not in my account. I talked to managers from the dispute team and KeyBank costumer service. They provided me with all of the account numbers where my money went and still they say they can't give me my money. 
They told me to call XXXX bank. The XXXX bank manager told me that the sender should do a ''recall of the funds ''. They can do nothing but they told me that the account where my money went is active. 
You are my only hope!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ) and Fair Debt Collection Practices Act ( 15 USC 1692 ). Pursuant to federal law 15 USC 1692g, I have requested in writing a validation of debt from Wells Fargo. Wells Fargo has received mail from me, via USPS certified mail, requesting validation of debt, including name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, alleged account #, amount of debt, data ( this alleged debt became payable ), date of original charge or delinquency, was this debt assigned to a debt collector or purchased?, amount paid if debt was purchased, commission for debt if collection efforts are successful. Additionally, I am requesting a signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector, any agreement that bears the signature of debtor, wherein agreed to pay creditor, all statements while this account was open, and have any insurance claims been made by any creditor regarding this account? In addition to the validation of debt requested, I am also requesting the GAAP audit trail. Please see the attached form for what was mailed to Wells Fargo. Wells Fargo also received colored copies of my SSN #, copy of Passport ID, and electric utility bill showing address. It is my hope to settle this prior to proceeding with legal action. However, if this is unable to be resolved, I will proceed with legal action.

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 2021-05-22 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: FL

Complaint narrative:
PayPal has placed a limit on my account. I've sent documents, fro ID, Account Statements and Bank Statements,. to resolve all their issues, and they told me I was no longer able to do business with them. 
I was questioned because a scam was trying to raid my account and I reported it, and this was the result. 
This was done on E-mail XXXX. I tired to go around it with a new E-mail address of XXXXXXXX XXXX XXXX and that was blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: NJ

Complaint narrative:
Earnest overcharged me by {$370.00} on XX/XX/XXXX. This was after repeated back and forth to try to customize the amount I would pay ( I wanted to pay off my loan on an accelerated schedule ). 

I asked XX/XX/XXXX and received confirmation on XX/XX/XXXX that I would be charged the monthly minimum gong forward starting with the next payment on XX/XX/XXXX. I was billed twice that day, once for monthly min. of {$730.00}, then the additional charge of {$370.00}. 

This was after months of aggravating back and forth with their support team. Not blaming the support team so much as a lack of proper investment by management in their systems ; it's a highly antiquated system they force on their customers that lacks even basic features like same day verification of payments being received, or an ability to set auto-payments in a specific amount ( the amount must be coordinated through support, which can't take any action with less than about three weeks notice - yet they are dependent on you adjusting the payment schedule from bi-weekly to monthly ... which almost guarantees a misalignment if you desire to adjust the payment amount and cadence at the same time! ) I would have long ago abandoned their auto-pay ... yet they force this to obtain the lowest interest rate ... and then make it nearly impossible to manage. 

In my opinion, it's an egregious failure to provide a basic level of service to enable customer to pay what they want, when they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian still has an negative mark on my report that is WELL past 7 years old Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit -

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 2021-05-22 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: AZ

Complaint narrative:
XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX is listed TWICE on my credit report, for 2 different amounts. FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 

4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX, Equifax, and XXXX  correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I placed two disputes for closed accounts on my credit report from Experian. The accounts were said to be deleted upon payment of settlement from the creditor, but were never removed. The results came back as updated with the accounts still on my credit report. I asked a disputes representative at Experian to furnish verification methods used to update my report, seeing as how an agent of the company XXXX XXXX XXXX ) I disputed the accounts with XXXX XXXX, Agent ID XXXX ) stated NO form of investigation had taken place on my account from Experian with them. After several phone calls over the weeks, the only assistance anyone seems able to offer me is an additional dispute. By law, I requested validation of the debts and have yet to receive it, so I am requesting the accounts be removed immediately for violation of my rights under FCRA

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 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have not used my paypal.com account and unable to close my account. It still has my personal and financial information saved on their servers and I am unable to also remove the credit card information and other personal information on their file. 

Called customer support and they were very clear that I will be unable to close the account. 

A company can not hold my information XXXX and should allow to me deactivate/close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
When I log into my.equifax.com to check my credit score and report it keeps returning the error " We are temporarily unable to provide your credit score. Please try again later. " .. Just to be clear I am able to log into my account it just doesn't pull up any of my credit report or my credit score. I've called several times over the past year each time I'd call they'd say they're escalating it to their IT department and the employee would say the IT department will email me when the issue is resolved ... I'd wait several weeks and I either wouldn't respond or send me a cookie cutter response saying " my issue had been resolved '' when it really was not resolved or I wouldn't get a response at all. I lost count the amount of times I've called equifax over the past 12 months to resolve this issue and I'm yet to make any progress ... This delay in action caused me to miss several errors in my equifax account whitch resulted in adverse action taken againts me ... I wasn't aware of these errors until I was declined for credit resulting in further negative items on my credit file. I've give Equifax every oppertunity to resolve this issue and plenty of time to do so with no sucess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Started receiving mail from BB & T? Saying I might have money in accounts I live never had? Dont know who BB & T is, never heard of them? Ive gotten 4 letters so far, first saying I might have money in accounts then letters saying Im going to be charged money for them? It looks like they are checking and money market accounts?

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 2021-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NM

Complaint narrative:
I received a debt collection notice dated XX/XX/XXXX from XXXX XXXX, Debt Collector, who is employed by the Professional Bureau of Collections of Maryland , Inc., on behalf of the XXXX XXXX XXXX XXXX Texas XXXX regarding a debt of {$510.00} that I allegedly owe to the Sound Physicians. I do not owe this debt. 

I have been in a dispute with the XXXX XXXX XXXX XXXX Texas XXXX since XXXX over medical debt they say I owe the XXXX XXXX  for an inpatient hospital stay that occurred in XXXX of XXXX..I received a bill on XX/XX/XXXX from them for {$1700.00}. I disputed this charge and was told by my insurance company I was being illegally balance billed by the XXXX XXXX. I received a letter from my insurance company dated XX/XX/XXXX stating I owed only {$300.00}. I finally received a bill in the mail with a statement date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX Texas XXXX for the correct amount owed. I paid the {$300.00} to the XXXX XXXX XXXX XXXX Texas XXXX online by credit card on XX/XX/XXXX and I do not owe any debt to this company. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX by phone about why my account was still in collections and spoke with XXXX XXXX XXXX XXXX confirmed I owed XXXX balance on my account and said they would investigate why my account was still in collections as well as put a hold on the account. 

Laws have been broken by the Professional Bureau of Collections of Maryland , Inc. and debt collector XXXX XXXX, This debt collection company/collector is in violation of the FDCPA and is unlawfully trying to collect money I do not owe. I never owed {$510.00} to the hospitalist group. The amount I did owe, {$300.00}, was paid in full on XX/XX/XXXX. I sent a debt validation letter dated XX/XX/XXXX to the Professional Bureau of Collections of Maryland, Inc.by certified mail ( received return receipt dated XX/XX/XXXX ) saying the debt was in dispute and to stop all communication with me and record that I disputed the debt. I also asked if the debt was forwarded or returned to another company they indicate it is disputed and if the debt has or will be reported to a credit bureau that it is reported as disputed as well. On XX/XX/XXXX I received a robocall on my voicemail from the Professional Bureau of Collections of Maryland , Inc. saying to contact them. Because I sent a debt validation letter within 30 days of receiving the debt collection notice this collector violated my rights by contacting me. I also have not received a letter from this company validating the debt they say I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK
State: NE

Complaint narrative:
On XX/XX/2021, I opened an account with XXXX and deposited 3 checks, totaling {$1400.00}. 

My decision to open an account with XXXX was made after ending my relationship with my former bank, XXXX. Considering that I had 3 checks to deposit, I selected XXXX as a convenient, online way in which to achieve this. 

The details of each check deposit are as follows : {$1.00} ( check number XXXX ) ; final disbursement of funds from my XXXX account closure {$890.00} ( check number XXXX ) ; payroll check from my employer {$550.00} ( check number XXXX ) ; settlement from at-fault partys insurance company following a vehicle collision. 

I received email notifications that the checks were approved, but my pending account balance did not reflect the deposits I had made. 

On the evening of XX/XX/XXXX, I received an ominous message to explain that a hold had been placed on the funds related to one of the deposits ( the {$1.00} check from XXXX XXXX while XXXX processed my check. As per the attachments below, the message stated that the full amount ( presumably {$1.00} XXXX would be available within five business days. 

I did not receive similar messages that indicated a hold was to be placed on the other two checks. 

On XX/XX/2021, while attempting to check the progress of my deposits, I found myself unable to log into my account online. 

Upon calling XXXX support team, I was told that my account had been closed for business reasons, and that I would receive a check for the balance of my deposits, along with a letter to confirm the accounts closure, in the mail. 

When I attempted to expand on the reasoning behind the accounts closure and request more information regarding the status and location of my money, the representative refused to give me an explanation. 

Upon asking whether the representative/institution could send an email to explain the situation, the representative declined to do so, and did not provide a reason for the banks inability or unwillingness to do this, despite my multiple requests for such during the call. 

I am now in a position where the entire balance of my account is held at the mercy of XXXX unexplained processes and actions, and I fear that my funds have the potential to be subject to theft by this institution.

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 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Up to XXXX we have made every payment we were supposed to under the forbearance agreement and then when the forbearance was over gave them XXXX XXXX dollars ie. three regular payments even though we were rock solid on the XXXX a month forbearance terms. We wrote you before with recordings because we did not understand what was going on and included recordings. They have tried to put us under a forbearance plan stripping us of all federal protections which we call and rejected. They have ignored the rejection and though nothing was signed electronically and though I called and said no, insist on this illegal plan. The letter states if you do not agree with the forbearance do not make the first payment. We will not be making the first payment but will be resuming regular monthly payments. You are my witnesses and documentation that we are not agreeing to go into a XXXX XXXX dollar a month repayment plan for six months that strips us of federal protections when we are only XXXX XXXX dollars behind. We will be resuming regular payments not their plan. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Over the past 9 years my family has been paying the loan off the best we can with the economy. Our payments were current until Covid. Navient company has been harassing me XXXX XXXX XXXX XXXX XXXX and grandparents XXXX XXXX and XXXX XXXX XXXX. My grandfather XXXX XXXX XXXX has been diagnosed with XXXX. 2-3 months prior to this diagnosis Navient had called us multiple times and asked for payments that I informed them that we could not pay. I removed my grandparents number from the account profile so that they wouldnt be called but they were still called. I ( XXXX XXXX XXXX are homeless and cant pay and have told Navient this. Please stop the calls, at least to my grandparents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App Reference Number : ref : XXXX : ref I am unable to access my Cash App account after purchasing a new phone and installing app. Starting on or about XX/XX/2021 up to and including XX/XX/2021 I have communicated to Cash App through the support function on website, had email communication with XXXXXXXX XXXX and XXXX, and with the social media team through the Message option on XXXX. In each case they provide instructions on how to access account and trouble shooting advice if I am unable to log in following the instructions provided. In each case I have followed the instructions given and submitted the requested account information. The Cash App Team seems unable or unwilling to look into the problem and provide a solution beyond instructing me how to sign into app and repeatedly asking for the same information over and over again. When a company has your funds, no matter how little, and access to a linked checking account their should be a sense of urgency to allowing customers to have access to their money. 
Attached is pop up I receive when trying to log in.

Company response to consumer: Closed with explanation