vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PAYPAL , INC . 
Account is XXXX XXXX XXXX is name I have other paypal accounts. 
I have {$270.00} stuck in this paypal account - they refuse to release it to me. One representative from paypal told me to chargeback the original transaction which was {$940.00}. I just want my {$270.00} - they want to hold it for 180 days. I have verified accounts with ID. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On Wednesday XX/XX/XXXX at around XXXX PM I went to a US Bank ATM on XXXXXXXX XXXX XXXX XXXXXXXX Ca XXXX and attempted to withdraw {$700.00} cash. After releasing my card back to me the ATM said it timed out and no money was given out. I tried two more times and these two times the withdraw button was completely unavailable. Immediately I checked my US bank app and my account reflected the XXXX despite not giving me the cash. I called customer service and the agent told me there was nothing he can do except start a claim that would take 10 business days to decide for just the provisional credit. After insisting I get my money back immediately because I specifically pulled it out for a trip I leave to on sunday he told me if I went to the local branch and spoke to the branch manager they would be able to reverse it. It was closed at the time of the incident so I went first thing opening on XX/XX/XXXX XXXX where the manager and teller told me there was nothing they can do but start a claim. No expedition, no immediate temporary or provisional credit. 10 days thats it. Its absolutely ridiculous that I am now out of {$700.00} for a trip I have in three days and theres literally no other option I am being offered except for a claim.

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 2021-04-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website and portal that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Business Services, Inc.
State: FL

Complaint narrative:
Somebody used my identity at XXXX Fire and Rescue. The transaction was reported to XXXX Credit Bureau on XXXX. The name referenced was XXXX and they used my social security number. The collection company was called Security and their phone number is XXXX. The amount is {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I sent XXXX XLM ( XXXX XXXX ) from XXXX to coinbase on XXXX around XXXX XXXX EST. This usually takes at most 15 minutes. This time it was taking considerably longer but the transaction still said pending on XXXX so I wasnt worried about it. I then read that there was an issue with the XXXX  network but XXXX and the exchanges were looking into it. Around XXXXXXXX XXXX that same day, I received notice from XXXX and XXXX XXXX that the problem had been resolved. Within an hour, my transaction showed successful on XXXX end but still no funds were received on coinbase. I gave it some time and then when I realized other people were having the same issue, but only on coinbase, I started a support ticket with coinbase. I received a vague automated response stating that they were aware of the issue and working on it but it has been over 24 hours now and I havent been updated, nor has anyone else who is experiencing this issue. They seem to still be blaming it on the XXXX network but the issue has been long resolved on XXXX end and every other exchange has seemed to have figured it out except coinbase. This isnt the first Im hearing about funds disappearing on coinbase and it doesnt seem like this type of thing gets resolved very often without some sort for mediation. The worst part is, theyre not even attempting to warn anyone that there is an issue and are continuing to allow customers to attempt to send/recieve funds and all are just ending up in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
I submitted a complaint on XX/XX/2021 to CFPB regarding EquiFax not removing unauthorized inquiries from my credit report. The Complaint ID was XXXX. EquiFax Response was : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' I have taken a screenshot of their response via mail regarding this matter and it clearly stated that " The results are : Inquires are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. '' EquiFax is the CRA and never sent my disputes to the companies inquiring my personal information, unauthorized. XXXX removed them promptly after they investigated and couldn't verify. See Screenshot below of EquiFax, clearly stating they didn't investigate but instead told me to call the creditors. By law you are suppose to investigate any inaccuracies that you are reporting on my reports. Next will be a summons to court in my local venue if you do not fix this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: HI

Complaint narrative:
I began calling Nissan back in XX/XX/XXXX when I fell behind on my payments due to Covid. Unfortunately I was never able to reach a representative,. After many failed attempts, I finally sent them a certified letter on XXXX XXXX requesting direction and offered to continue making my payments. According to my credit reports, the loan now reflects a higher balance, late payment history and that the account was charged off and allegedly sold to another party. On XX/XX/XXXX Nissan responded to my letter claiming they are unable to locate my account? How is this possible when they continue to verify the disputed information with the credit bureaus. On XX/XX/XXXX I sent another certified letter to Nissan demanding resolution. Nissan has failed to respond.

I have been denied the opportunity to resolve this account which is continuing to have an adverse impact on my credit rating. I still have the vehicle and I am willing to honor my loan payments. I am respectfully requesting that your office require Nissan to respond and offer a amicable resolution which include correcting my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Flagstar Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I had my mortgage with XXXX XXXX. 
I am a XXXX XXXX XXXX. 
I had hired a property management company to pay all my payments. 
IN XX/XX/XXXX : XXXX XXXX was brought by Flagstar Mortgage But because I and my property management company did not get appropriate notices, they kept on making payment to XXXX. 
IN XXXX XXXX XXXX : My property management company made mortgage payments to XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX all on time now XXXX XXXX did forward the payment in XXXX to Flagstaff but did not forward the XXXX and XXXX payments. 
Account information : Flagstar Bank Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$170000.00}. 
This company has been negligent and unfair. They have committed multiple violations to my consumer rights and I need a fair solution. All I want is to get the late payments corrected and the bureaus to get notified to make the change. 

Please see the document attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
I sent a letter to EquiFax, disputing the validity of XXXX XXXX XXXX Account # XXXX ( attached ) on XX/XX/XXXX which they received on XX/XX/XXXX XXXX ( attached ). They stated they verified the account, so I sent XXXX XXXX XXXX  a letter myself and they in return sent me a letter saying they have no account under my name ( attached below ). EquiFax needs to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SERVICEMAC, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX ServiceMac sent Loss Mitigation Application, hardship affidavit, which were submitted online on XX/XX/XXXX. request of 1 month paystub, 2 months bank statement, utility bills, HOA statemtn which were submitted on XXXX. 
During a call on XX/XX/XXXX above docs could not be found by company reps. Another call on XX/XX/XXXX they still couldn't find docs eventhough they could be viewed on their website. Sent whole package by USPS on XX/XX/XXXX received by company on XX/XX/XXXX. On XX/XX/XXXX company requested to resend bank statements. Done via USPS on XXXX.Another call to company on XX/XX/XXXX and was informed to send an all new package signed and dated incl. paystub and bank statements. Said it has to be done every 30 days according to CFPB rules. This was the first time it was mentioned between XXXX and XXXX. New package sent on XX/XX/XXXX. Received by Company on XX/XX/XXXX. 
Amount due to reinstate loan as of XX/XX/XXXX {$12000.00} ( interest rate 4.6250 % ) Amount due to reinstate loan as of XX/XX/XXXX {$16000.00}. 
I could have been making payments since XXXX XXXX but company is stalling. 
On XX/XX/XXXX company sent someone to verify if house is occupied. Broke in.

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 2021-04-08 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I sent Comenity Bank a certified letter that was delivered XX/XX/XXXX. ( Copy of letter uploaded ). It was a " letter of inquiry '' about Comenity Bank 's policies and procedures for reporting on credit reports for sold accounts. I sent supporting documents on past reporting of my sold accounts and asked Comenity Bank if they could answer some questions I had about their " past reporting ''. 
I stated multiple times within the letter this was NOT A DISPUTE. I stated my old accounts with them were reporting CORRECTLY since XX/XX/XXXX, I just wanted to get some information on their procedures and " past '' actions. I also stated I did NOT give them permission to access my credit reports. I did not want them altering any current information. Comenity Bank sold all my accounts to XXXX XXXX and stated XXXX was my " new creditor '', meaning they no longer had a business relationship with me or permissible purpose to access my credit reports. Instead of answering my letter in writing, Comenity Bank knowingly and willingly inserted erroneous dispute remarks with the 3 major credit reporting agencies XXXX, XXXX and XXXX. I never filed a dispute with the CRA 's for these accounts nor did I " dispute '' them with Comenity Bank. 
I was alerted to these disputes when I received 7 emails from EQUIFAX on XX/XX/XXXX. ( 1 example uploaded ). The emails state Comenity inserted a dispute remark saying " CONSUMER '' disputes, and multiple other changes. I then checked XXXX  and XXXX  XXXX Example of XXXX  dispute remark uploaded ) and saw the same dispute remarks, other changes and the addition of a " duplicate '' Victoria 's Secret account on my XXXX report. ( Copy of both XXXX  Victoria 's Secret accounts that are reporting uploaded ). The duplicate account also has a different account number and different closing date. 
This situation is not only in violation of the FCRA, but has caused me emotional distress, because it has possibly compromised my character and credibility with the Credit Reporting Agencies for future disputes. I would never dispute multiple accurately reporting accounts. This situation has also jeopardized my current chances of having my mortgage loan application approved. Comenity Bank has every right not to respond to a letter of inquiry from consumers but has no right to falsely report information to the Credit Reporting Agencies jeopardizing Consumers reputations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Too many inquiries for the same seevice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: NE

Complaint narrative:
XXXX XXXX ( Self Lender ) will not remove late payment due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have 2 late payments on my account because I attempted to pay it online repeatedly a few times and I kept getting kicked off the site because of technical issues. I trusted that the problem was fixed the following month but it appears it wasn't. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
I've sent this company a cease and desist and they still sent me a letter in violation of 15 USC 1692b ( 2 ) and 15 USC 1692f ( 8 ) They also have violated my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Enhanced recovery company address is XXXX XXXX XXXX XXXX Florida XXXX I see on my credit report have a past due balance of {$780.00} I do not know this company I've never done any business with this company this company does not have any contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have been trying to close my Bank Of The West account for over a week now. I sent messages through the app which remain unanswered. I have also called multiple times to be put on excruciatingly long hold times. I just want my account closed but I can not reach a human in order to do that.

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 2021-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX Ford truck from a private owner. The vehicle was financed through Wells Fargo Bank. In my presence the previous owner paid off the loan with an electronic fund transfer. Wells Fargo advised that the " Lien Release '' would be delivered in 5 to 10 days via mail. Today marks 20 days and neither the previous owner or I have received the Lien Release. Several calls to Wells Fargo have not yielded any assistance on the matter. My Wells Fargo complaint case # is XXXX and the phone number for them is 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 non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2021 my account with Bank of America was frozen pending a " risk closure ''. The reason I am being given for the closure was due to an SBA loan payment and mismatching information with the company name. I have contacted the SBA as I do not nor have I ever received an SBA loan to which they agreed. The deposit that hit my account was actually from a customer of mine ( this is a business account ) paying me for service that we provided and invoiced for. The deposit also states the invoice number. I have been paid by this customer every month the same way since I opened the account at BOA last year. Until recently I have not had any issues. I have called and made branch visits only to be told that there is nothing they can do or provide any further information. I have been told by everyone that I have spoken to that they do not see why the transaction was flagged or why the account is being closed. As of today XX/XX/2021 I have no access to my funds, I have no money, and no help from BOA. They are directly impacting my business, and the ability for me to take care of my family. I have future payments coming that I am not able to deposit or cash due to this issue. I am aware that mistakes happen, but for there to be no communication with me about my account or whats going on is not ok.

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