vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
recieved a package of checks tied to a newly opened account in my name from TD Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: SC

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
This collection agency is calling my BUSINESS number looking for a family member. They are also calling before XXXX XXXX. Number 1, illegal to harass family members and question them, number 2, illegal to call that time of the morning. RUDE, threatening, just disgusting behavior. I have reported them to local autholrities and I have blocked their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have been lock from banking activities for three days now. On XX/XX/XXXX, I attempted to access my bank information through the USAA app on my XXXX, my phone, and online via the web. All attempts indicated that my access was restricted due to security reasons. I called USAA at XXXX XXXX and after I entered my member number, the recording stated it did not recognize my ID number, said their offices were closed, and immediately disconnected the call. Their call center is never closed on a regular weekday at XXXX XXXX I made several attempts to call and it continued to hang up on me. After calling once more, I didn't enter my member number it did not hang up on me or state they were closed. After waiting 30 minutes, I was transferred to someone who said their Security Dept. was closed for the day, transferred me to someone else and was on hold again for 30 minutes, when that person came on the line they said they were going to transfer me to someone else. I refused to be transferred asked why my access was locked and was not given an answer. I had payroll deposits and checks deposited that indicated the funds were available. I went to the ATM and both attempts to withdraw funds indicated I had insufficient funds. My withdraw requests were below the available cash balances within the daily withdrawal limits. I just received a notice from my cell phone provider that their attempt to collect payment for my bill was declined. I have notifications set for USAA to contact me via e-mail regarding account fraud or security matters and nothing has been sent to me explaining why I can not access my funds and why payments are being rejected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CO

Complaint narrative:
I have a business loan late payment ( not a default/judgment ) that a business creditor is reporting to my personal credit because of a personal guarantee. The loan is to the business EIN and not my personal SSN. 

Equifax should not allow this because of the way they market their data, When I apply for a personal loan, I am only able to provide personal income to the prospective lender. The lender then checks my income vs. the debt/score on my report. A business late payment on the report unfairly damages my credit because the personal lender is assuming that everything on the report is related to my personal finances. In real life, I have additional income via the business to pay that commercial loan but I can't provide that business income to the lender as I apply for credit. Again, creditors are evaluating my personal ability to pay but I am getting graded against a conflation of personal and business debt. Having business creditor payment information on the personal report is not consistent with how Equifax sells their data. 

If Equifax marketed their data to be a combination of business and personal finances, then this would be OK because I could then use business income to show my ability to pay. However, they only market their data as a personal credit score. 

It would be appropriate for Equifax to report a business loan only when the lender has received a civil personal judgment ( presumably after default and they are able to pursue this personal judgment because of the personal guarantee ). At that point, the debt is personal and should need to be paid with and considered a part of personal finances. 

But in advance of a personal judgment, allowing business creditors to report payment status to personal credit reports corrupts the data in a way that is inconsistent with how Equifax markets their data to personal lenders. It has to be excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
Since XX/XX/2021, I sent XXXXhree letters to XXXX XXXX  demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: NY

Complaint narrative:
Since XX/XX/2021, I sent three letters to XXXX XXXX  demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX

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 2021-06-10 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: IL

Complaint narrative:
I received my credit report from you. It included the following incorrect information : 1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
This incorrect and negative information is damaging my credit. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Equifax is only one Bureau who keep refusing remove fraud account from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
Complaint regarding lump sum payments on my mortgage loan account, entered into XXXX 's web page. Verbal complaint not allowed, referred to web page. 

I entered this on their web page : " When a lump sum mortgage payment is made ( pushed from my bank ), you automatically apply it for up to the next three months of principal and interest. I am paying additional principal each month, and you keep applying it to multiple months ' principal and interest. I have to call each month to have you reverse the interest charges, and I believe you are actually charging me excess interest, because it is not back credited to the date the lump sum principal payment was received. In other words if the payment was made XX/XX/XXXX, and you convert the interest back to principal on XX/XX/XXXX, you are charging me an extra half month interest. I think this is a predatory lending practice. Think of all of the thousands of customers that you are cheating. 

Please go through my account and ensure you have not overcharged me interest for each month where I paid an addtional principal payment. You also need to modify your automatic processing software to not apply payments forward. 

Thank you for your attention to this. '' Dates : XX/XX/21, XX/XX/21, XX/XX/21 Amounts {$50000.00}, {$3000.00}, {$3000.00} I called XXXX to ask them to convert the future amortized interest payments back to principal, and they have cheerfully done so, but I believe they have possibly overcharged interest on the mortgage accounts of myself and many other customers who thought they applied lump sum payments to current principal, not future amortized interest. They told me extra payments are applied up to three months forward if sent from my bank.

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 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: PA

Complaint narrative:
I have disputed this account with RENT RECOVERY SOLUTIONS, and demanded that they send me validation, Ive received nothing but threatening phone calls from them! This is a direct violation of the FDCPA! As a question, are they debt collectors or attorneys? I have been told by multiple agents that they are in fact attorneys. If the agents that have been calling me are not attorneys, they are legally not allowed to tell me they are! RENT RECOVERY SOLUTIONS is flagrantly violating the FDCPA! Also, since I have not received any of the validation that I have requested, but the credit bureaus have verified the account, I would love to see that documentation! The law is quite clear, I am entitled to the same information that the credit bureaus are!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX sent, via XXXX , usd {$5000.00} to XXXX XXXX ( Ph. XXXX ) BoA Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX as a deposit for Balsa Wood that she was going to send to my customer. 
On XXXX XXXX ' XXXX sent, via XXXX, usd {$1200.00} to complete the 50 % of her Pro-Forma Invoice, as agreed. 
Despite numerous phone calls, XX/XX/XXXXmessages, up until today I have not receive either the money back or my customer the Balsa Wood. 
On XXXX. XXXX ' XXXX I made, with the XXXXSD ( XXXX XXXX Sheriff Department ), a formal complaint # XXXX On XXXX XXXX XXXX made a fraud complaint with XXXX ( BofA ), No. XXXX

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 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I sent a letter via mail over 4 months ago requesting a cease and desist in regards to contacting me about a debt. The statute of limitations expired over 4 years ago. The company still continues to harass me with letters each month. This morning XX/XX/21, I received a call from an XXXX guy that I could barely understand regarding the account. They are clearly violating my rights when I have requested that they STOP contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The website was unclear that a product cost money. I thought it was free so I accidentally signed up for a monthly subscription of {XXXX} to TransUnion today ( XXXX ). I got my subscription cancelled for the future, but I would like the {XXXX} refunded because I was not aware it was a paid service.

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 2021-06-10 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: TX

Complaint narrative:
EQUIFAX CONTINUES TO REPORT DUPLICATE ACCOUNTS EVEN AFTER REQUESTING REMOVAL MORE THAN ONCE AND NOW 4 MONTHS LATER!! 
ACCOUNT # XXXX IS 14 DUPLICATES FOR STUDENT LOAN THE ACCOUNT STATUS IS SHOWING " INDETERMINATE '' WHICH IS NOT CORRECT AT ALL. 

ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED 4 TIMES!! 

ACCOUNT XXXX ALSO WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED THIS IS HURTING MY CREDIT RATING AND I DEMAND FOR AN INVESTIGATION AND CORRECTION AS SOON AS POSSIBLE! 

THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for a Citi Miles Ahead Savings Account after receiving an email with a promotion. The promotion states that if I opened a new savings account with {$10000.00} and kept a minimum balance of {$10000.00} for 3 months, I would received XXXX AAdvantage miles. After the three months I still had not received the reward. I contacted Citi multiple times through their online chat and the reps told me I just had to wait. That it would take 2 billing cycles after the 3 months for me to receive the reward. The last time I contacted them, the rep said they were submitting it to their research department to find out what I had yet to received the mileage reward. They have now contacted me and their conclusion is there was no promotion running. What?? I have it in writing from their representatives telling me I was signed up for it and that it was just a matter of waiting for the points to post. Then all of the sudden, they conclude there was no promotion. Citi is an absolute disaster. There were multiple other issues along the way with this savings account and this just the latest debacle with this joke of a company.

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 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I signed a lease for XXXX starting XX/XX/XXXX until XX/XX/XXXX. I gave a 60 day notice prior to moving out and not renewing my lease. All of XX/XX/XXXX my account showed no balance due. If I owed, there would have been an eviction notice on my door on the XXXX. I returned my keys Friday XX/XX/XXXX, but because covid restrictions had just been put in place, I was not allowed to enter the office and was told By the manager XXXX to give them to the maintenance guy that was standing in the door way of the office. There were no papers singed and as stated in the lease a final walk-through should have been done together. Then recurved a final notice on XX/XX/XXXX in which stated I did not move out until XX/XX/XXXX. 

( Tried to attach documents but the website seems to not be working, I can email them if needed )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXXat XXXX XXXX i made a cash payment of XXXX $ to my Visa credit card at the ATM of my local Bank of America. Immediately after taking my money the machine had an internal crash and the screen went blank. i waited for 20 minutes and then called the emergency number listed on the machine. I was connected to an employee and he managed to get a technician who the had to reboot the machine. it did not proceed to give me a receipt because of the software crash but the employee on the phone reassured me it would not be a problem and there was a spot inside the machine where money goes in a case like mine. He said a technician would be sent out to the machine and then i would be credited. 
I was first in line inside that Bank the next morning and was told they could do nothing for me and to call the same number i called the previous evening. On calling that number i was told that a dispute had been initiated in my Name and that it could take up to two billing cycles to resolve the issue.

I have continued to call and receive the same answer. 
It has now been over 3 months. I called again today and the answer i get is to just wait. 
This is not acceptable

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