vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
We received written correspondence on XX/XX/XXXX, via USPS from XXXX XXXX Tax Collector indicating that our property taxes had not been paid which were due to be paid by BSI Financial ( mortgage company ) from our escrow account on XX/XX/XXXX, and late charges and fees were/are accruing. 
XX/XX/XXXX, I telephoned BSI- explained the situation to XXXX who said he would forward it to their tax department. He also asked that I send by email the pertinent correspondence to XXXX XXXX XXXX which I immediately did. 
XX/XX/XXXX, I telephoned again after not receiving any reply via phone or through our web portal w/BSI. Spoke with XXXX. Again, I was asked to email the information and I sent it again. 
XX/XX/XXXX, I telephoned again, spoke with XXXX. He told me that his " system '' indicated that the funds had been disbursed but said that didn't necessarily mean they had been sent. 
XX/XX/XXXX, I telephoned again, spoke with XXXX, and asked who in a supervisory role I could speak with the expedite a resolution to the ongoing problem. He transferred me and I left a voice mail for XXXX. 
XX/XX/XXXX, I had not received a return call so I called XXXX at extension XXXX and left a voice mail. 
On XX/XX/XXXX, I sent written correspondence via USPS with all of my supporting documentation to BSI at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
On XX/XX/XXXX at XXXX XXXX XXXXXXXX, I received a call from XXXX, had to explain the entire situation to him. He assured me that all would be taken care of. 
Today, XX/XX/XXXX, no funds have left our escrow account. I confirmed with the XXXX XXXX Tax Collector that no monies have been received for payment of our property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Icon Equities, LLC
State: NC

Complaint narrative:
ICON Equities sued me in the State of Alabama and received a Default Judgement. At the time of the filing and judgement, I was not notified nor was I living in the State of Alabama, I was living in North Carolina, where the statute of limitation on debt is 3 years. I contacted the Firm XXXX XXXX XXXX, XXXX representing ICON Equities on XXXX time XXXX Eastern  spoke with a XXXX XXXX who told me the case was closed due to me being in North Carolina the firm has my correct address. I contacted XXXX XXXX XXXX today on XXXX. The court explained to me that the judgement is still open. ICON Equities has not withdrawn the case.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-15 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: VW Credit
State: PA

Complaint narrative:
The VW CREDIT XXXX XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AL

Complaint narrative:
fraudulent inquiries and inaccurate account information

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 2022-03-15 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: AL

Complaint narrative:
fraudulent inquiries and inaccurate account information

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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank received multiple request to revoke authorization for XXXX XXXX. They continued to allow XXXX XXXX to hit my account. While no funds where paid out to XXXX XXXX they continued to charge me overdraft fees causing my account to go negative. I do not use this account and could not close it as it was opened as a minor with my father who is now in XXXX. After being negative they closed my account. I just noticed it as I went to see if my stimulus check was deposited into this account and could not access it. They took my money continued to charge me fees when the the authorization was revoked and when I called customer service could not help because the account was closed.

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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I logged into my account like I always do for the last 10-15 years I had these accounts opened except this time all my accounts were force closed by Capital One for reasons they can not give me other than that they wanted to end the banking relationship. I suspect that the closure was due to the fact that I sold a lot of investments and transferred my money from my XXXX accounts into my capital one accounts in readiness to buy a house in XXXX. 

Whatever the reason may be, I am not concerned that they want to close my accounts since there are plenty of banks that would love to have my business. What my complaint today is on how they handle the matters on hand. I had over $ 117K in their which part of it, they just cut a check and sent it out regular mail. I am very concerned that the check will be lost in the mail, and I would have to deal with having to recoup that money. I asked them to stop pay so I can stop by a branch to pickup my money and they refuse to do so. Unfortunately my payroll direct deposit also was supposed to hit the day they closed my accounts, now causing my pay to sit in limbo. They claimed they didn't receive it even though the direct deposits have been posting to my account every XXXX of every month for years and my company has not received a reject either. Capital One really lacks customer service. They need to be held accountable for causing hardships and headaches for their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
On XX/XX/2021, second mortgage was modified by Planet Home Lending. 
Unpaid principal balance on this mortgage was {$250000.00}. Accrued interest was {$100000.00}. The accrued interest of {$100000.00} was capitalized and added to the unpaid principal balance of {$250000.00} for a total amount of {$350000.00}. 
On XX/XX/2021, the total outstanding balance of {$350000.00} owed to planet home lending was paid Per the ALTA settlement statement by XXXX XXXX XXXX. Document attached. 
In XXXX of 2021, Planet Home Lending issued us a 1098 statement showing outstanding mortgage balance of {$260000.00} and mortgage interest paid in 2021 of {$29000.00}. The 1098 was incorrect. Capitalized mortgage paid off or refinanced should be reported by planet home lending as income and should be reported on my 1098 as interest in the year paid off. 
I called Planet home lending to request a corrected 1098 and was told they will not correct this, and that they were justified in the way it was reported. I explained that my tax preparer wanted this corrected to reflect the correct amount of interest that included the capitalized interest on the mortgage paid off. 
Planet home lending refused to correct this after several repeated calls. Sometime during these calls, I am placed on unusual lengthy hold by staff of planet home lending, sometime 45 minutes and at the end not resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
XXXX A company I never heard of is reporting that I owe a debt onXX/XX/XXXX. I believe it to be a fraudulent account and I would like it removed from my credit report please. 

On XX/XX/2022 i tried to dispute the account. Without reason it was not removed. 

I have upload a screenshot of the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This account shouldn't be on my credit report, I already contacted the source and they are saying they haven't recieved the paperwork yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
BARCLAYS BANK DELAWARE accounts were reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the following accounts and verify : BARCLAYS BANK DELAWARE XXXX BARCLAYS BANK DELAWARE 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 2022-03-15 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Step 1 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX. Company Responded XX/XX/XXXX not being able to validate debt or records and proceed not to remove the reporting collection off my credit. 

Step 2 : Sent off letter 2 dispute letter. National Credit Systems responds in 30 days :. Letter was sent off and delivered certified mail XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. No response. 

Step 3 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Company Responded XXXX XXXX still not being able to validate debt or records and proceed not to remove the reporting collection off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I sent a cease and desist letter to Online Information Services, for a tradeline that they placed on my consumer report. This debt collector has failed to comply with the provisions of this subchapter 15 USC 1692. 
Please find the letter and information that was sent to them. This letter has been received by Online Information Services today, XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AL

Complaint narrative:
fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The Bank of America has responded but still the issues remain unresolved to my satisfaction. I want all the money I overpaid to reduce principal at their mistakes to me.It should repaid to my XXXX account at Bank of America so I can fund future normal payments.Not one dime has been refunded as of this date.They are burying me in statements but no money has been refunded.

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 2022-03-15 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

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 2022-03-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

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 2022-03-15 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: CA

Complaint narrative:
On XX/XX/XXXX of XXXX, I reached out to PayPal requesting that my personal information, as well as that of my business be erased as neither of these accounts have not been active since XXXX. Given that PayPal is in fact headquartered in California, does business in the state of California in excess of {$25.00} million annually, and has the personal information of at least 50,000 consumers, the provisions and protections afforded to consumers under the California Consumer Privacy Act do apply. 
I received a response from PayPal informing me that it was company policy to hold personal information for a period of 10 years, and that my information would not be deleted as a result, a clear violation of state law. They cited exceptions under the law, none of which apply to this old account or my particular situation as justification. They suggested that I close my account, but that the information would be retained even if I do so. 
This is about as clear a violation under the laws of my state as there could possibly be. Federal regulators have the authority over financial services companies, and PayPal is no exception. I ask that the consumer financial protection bureau investigate and take appropriate action to ensure all my personal information for both my personal and business accounts are erased in compliance with California state law. This includes my name, banking information, social security number, transaction history, banking information, credit card information, address details, emails address, password information, IP addresses, device information, and other personal information held by PayPal. I would also request that PayPal close both my personal and business accounts, as they are no longer and active and have not been since XXXX. 
Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: VA

Complaint narrative:
I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.

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