vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Opened account with proof of residence. 

Account closure started XX/XX/XXXX without my knowledge and still no explanation why. 

Account has been closed and now they are requiring additional items up to and including a notarized letter just to give me my money. It's been nearly 2 whole months.

I just want my money so I can get my medication.

The customer service has been atrocious. I've spent numerous hours on hold and get transferred to one person or another. Once I actually spent 1 hour and 32 minutes on the phone getting bounced around and put on hold, just to be told they have no 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 explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
we are a XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/21 a customer sent {$7200.00} through paypal to pay his bill. the customer was very satisfied with no problems. paypal had then decided to flag this transaction due to its high value asking us to provide business documentation ( tax id #, and address verication ). upon receiving these documents they then asked for the owners ssn and passport #. we asked why and their response was " its part of our verification process ''. we then asked " what does the owners personal information have to do with the business info? '' there response was : " its part of our verification process ''. everytime we called they gave us a different date as to when they were releasing the money. at first they held the money for 5 days, then it was a week, then it was 10 days, then 21 days, then 30 days, after at which time they eventually decided to permanently freeze our account. 
unfortuneatly there was still a balance of {$7000.00} ( minus paypal fees ) that was still left in the account. we were then told that paypal may hold the funds up to 180 days, at which time they would email us with information on how to access any remaining funds. they have and continue to say that the money is released but we have no access to it. they act like a bank - take fees- and then confiscate my balance. 
we are contacting you to hopefully get the funds released before then. for a small business this money is a months income for me, I cant even pay my sales tax. 
We've heard from customers that paypal has held there money for 6 months and after 6 months they informed the customer that they were holding the money for another 6 months with no reason given. how could a company hold someones money for 6 months without any justification? In my opinion this is a fraudulent business tactic and should be addressed by the authorities immediately. 

thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed on my Transunion credit report my name is misspelled and a totally different middle name form mine. Also Known As XXXX XXXX XXXX, XXXX 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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
A purse was purchased from XXXX XXXX on XX/XX/2021. As they stated my package was delivered and signed for. Indeed it was, I also still have it. My package was damaged and only XXXX can file a claim with XXXX. I have tried to contact XXXX  and was told to contact the shipper. I have contacted XXXX and was told that a chargeback was filed with TCF so there is nothing that they can do. I have provided all of these documents to you all including a police report. I will continue to escalate this if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Subject : Unfair Practices - Mr. Cooper Home Loans/Nationstar Bank In XX/XX/XXXX we reach out to Mr. Cooper to request an Forbearance program due to the COVID 1 9 shutdown in the United States . This was because the virus was spread throughout all of the country. So we contacted Mr. Cooper and they started the paper work for the program and asked us to stay in touch with them regarding our situation and we did. They assured us that after the forbearance that Mr. Cooper goal is to work with its customers. 
On XX/XX/XXXX, after the moratorium end I reach out to the mortgage company to find out what my option were. The customer service representatives encouraged me to start the process for the request for a Loan Modification which would take 30 days or more to process. I filled out the requested forms ( mortgage assistance application, XXXX, pay statement, hardship letter of explanation ). Customer services ask me to submit everything and someone will call me to discuss the options. I stated that the reason for the loan modification was to lower the rate and payment to help us get back on track with paying the mortgage. They said that the forbearance payments would be deferred to the back end of the loan. I was instructed not to make any payments until I heard from customer services regarding the modification option. 
On XX/XX/XXXX, I received an email of declined from Mr. Cooper no one called to discuss the modification option. I spoke with preventative XXXX on XX/XX/XXXX a she stated that Mr. Cooper does not have to abide by the Federal Government lending laws for modifications. She stated this has nothing to do with your information you turned in with your application. The lender instructed the underwriters to not review the application information they chose not to do the modification but request all the money from the forbearance program. XXXX suggested I reach out to HUD Assistance for help she provide the information. I also informed XXXX of out hardship situation regarding my husband and the letter explains everything. She stated that if we dont pay the forbearance amount ( {$64000.00} ) that Mr. Cooper will start the foreclosure process on our home in 2 or 3 months. THIS IS UNFAIR we were not giving the option to do a modification on our home!

I contacted HUD Assistance and Ms. XXXX XXXX spoke with Mr. Cooper to request that they consider review the modification program for us and it was still declined. Ms. XXXX instructed me to reach out to the CFPB for assistance with Mr. Cooper. Im sure we are not the only homeowners who are going through this problem.

Im requesting an investigation be open with regards there loan modification application process. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
the credits bureaus XXXX, XXXX, XXXX has been defaming my character and reporting false consumer credit transactions without my consent.I am a victim of identity theft and i request these accounts be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit reporting act i need this action taken care off immediately

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 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I am being harassed by a company called Rocket Mortgage. They call me around 10 times per day and I have repeatedly asked them to take me from their call list but they will not. They will call late at night ( XXXX XXXX  ) and early in the morning- sometimes around XXXXXXXX XXXX I have NOT solicited this company for any reason and have no business with them. Further, I am on the " do not call '' registry and I have blocked them but they still call. 
Something should be done to stop this type of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
2 Months agoreceived your correspondence on this alleged accounts in my file stating you verified or updated, these accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
2 Months agoreceived your correspondence on this alleged accounts in my file stating you verified or updated, these accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-09-22 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: NY

Complaint narrative:
I took out one loan with XXXX  XXXX XXXX. It was disbursed on one date and paid off other loans. Like a credit card that is used for multiple items at different stores, it is one trade line. When a credit account goes to collections it remains one tradeline. Same for a loan. I am submitting page two of the Department of Education Default Resolution Groups response to my local Congressman confessing they took that one loan and are reporting it as two tradelines. Clearly it is inaccurate and false reporting by multiplying and compounding adverse affects to my credit file. If they want to count them as the original subsidized and unsubsidized loans seperately those loan dates should be used and it would be far too old to remain on my credit.

I am including screenshots from the Experian website. NOTE NOT A THIRD PARTY WEBSITE. These screenshots verify the account was sold to another collection agency in XX/XX/XXXX. This is why it is showing closed with XXXX balance. This is the reason the original creditor is no longer on my credit report. It was sold to Dept of Ed Default Resolution Group and aged off my report in 5yrs because paid collections fall off 5yrs from first delinquency in NY. Since Dept of Ed Default Resolution Group sold to another agency who's address is on credit report under section Labeled CONTACT. XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX. I will also attach screenshots of the department of education. EDU website showing this address is not found anywhere in department of education. I will also include a screenshot of a web search for this address. It shows a lawyer/collection agency. There is also a statement on credit file under status Status A brief message describing your payment history with a specific account. 
" Seriously past due date/ assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department '' Screenshot also included.

Since the clock does not reset it should be removed 5yrs from first delinquency XX/XX/XXXX. In this case it should be removed within a few weeks. I have requested early exclusion on good faith because the Department of Education Default Resolution Group had been falsely reporting additiona tradelines.

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 2021-09-22 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. THE LATE ACCOUNT LISTED BELOW IS STILL FOUND AND NEED TO BE CORRECTED AND UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
I need your assistance in getting these 2 XXXX  XXXX XXXX accounts removed from my Experian credit report. I have submitted all of the requested documents ( proof of address, State ID, and Social Security Card, Police Report, and Federal Trade Commission Identity Theft Complaint ) to Experian. I feel as though Experian is being defiant of the rules and laws of the FCRA. These XXXX  XXXX XXXX accounts do not belong to me. These accounts were opened as a result of identity theft. I have been disputing this account for the past 12 months. My next step is to sue Experian. I have proof that I have made every attempt to rectify this matter within the last 12 months. This is my last attempt to rectify the removal of these 2 XXXX accounts before I seek legal assistance.

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 2021-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely XXXX 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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My wife filed Bankruptcy in XXXX. She had a vehicle financed through XXXX XXXX XXXX XXXX containing loan # XXXX. She was discharged from her debt in XXXX. The account was closed on her bureaus, but they are still reporting on my bureau as if the account is still opened. I have disputed this matter numerous of times with the bureaus and with XXXX XXXX. I keep getting told by XXXX XXXX to submit letter to them and they will take care of this matter. This was in XX/XX/XXXX again in XXXX XXXX.Needless to say this matter still has not been taken care of.

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 2021-09-22 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: TX

Complaint narrative:
There has been information published on a consumer report that I never gave either company ( TransUnion, XXXX XXXX XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ) .According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ). They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce.

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