vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My mothers assets were put in a Trust account in XXXX, with me as the successor trustee. All documentation was given to Bank of America. Mother passed on XX/XX/XXXX. When she passed, I check with the family attorney to see if I needed to do anything to the trust to move forward with my mothers wishes. I was informed that since I was the successor, I merely had to move forward with what she wanted me to do. 
On XXXX, I went on line to deposit funds into the trust account. Bank of America had placed a hold on the accounts. They said they did not have the trust documents. They needed the original to make sure nothing had changed. On XXXX, I brought them the document and told them to remove the hold. 
This is the third time I have had to give Bank of America the same documents since the trust was created in XXXX. 
I checked on Saturday morning XXXX XXXX XXXX and the hold was still in place. I called back, on Monday XXXX, told them the documents had been delivered and to remove the hold. They asked if I filled out the Certificate of Trust document. I said I was not given any such form. They told me to go back to the bank and fill it out. I went back to the bank, sat there for two hours, while they tried to figure out how to access the forms. 
Everything is signed and documented as the bank indicated. AS of today XX/XX/XXXX, the hold on the account is still in place. 
Something is wrong at Bank of America. The demand that I had to bring the document back in to make sure no changes has been made is ridiculous. I brought the same document back in again. 
The fact that they lost the document three times over the years is horrible. Each time this caused a great deal of frustration and certainly no confidence in the banks digital recording keeping. 
The worst is that preparation for this extreme time of loss was done in advance. To have such an obtuse process when emotions of loss are already high makes it even harder.

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 2021-03-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.

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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a victim of identity theft and someone has access to all my personal information including SSN, DOB, driver license information, passport number and all my records. My paypal account was unable to close and I have made several attempts to call agents from paypal account, which seem like malicious actors impersonating as paypal representatives. I received an email from XXXX stating my account is closed, but the email template does not look like the usual paypal email. I am also experiencing issues with credit companies. I am unable to get a hold of fraud department due to the calls not going through with an error message or tone or automated system difficulties that are spoofed and telephony. I am dealing with a group of hackers that are deliberately harassing and monitoring my activity. I need you to investigate the situation with my paypal account and the emails from paypal. I am also reporting that the issue with unable to contact credit beaureaus ( XXXX XXXX XXXX ) to request a fraud alert on the accounts needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Recovery LLC
State: HI

Complaint narrative:
Debtor texted me at XXXX and hung up on me when I asked them not to contact me again. I have never had a loan or any business with this company. They are harassing me about someone elses loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent Outsourcing INC is reporting a debt for {$1500.00}. 
I have no knowledge of this account and never received a phone nor proof of this debt and every thirty days this company is reporting to my account. Ive sent a letter to have alleged debt validated and received no response. Its been over 3 months.

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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
IRS.gov stated my payment was deposited in my checking account on XX/XX/2021. It never was deposited and I am on XXXX and I filed taxes through XXXX and I didnt receive my money. I have many charges on my account that I didnt make. My bank has to change my ATM/Debit Card over 6 times and Ive had to file numerous claims.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express sent me an advertisement telling me that when I opened a new credit card, I could get {$150.00} rewards if I spent {$1000.00} at first three months. When I opened a new card and spend {$1000.00}, I didn't receive any money, and then I contacted the relevant staff by phone.

1. The service staff told me that when I applied for a credit card, they rejected my application for a {$150.00} reward from a {$1000.00} purchase via Email, and then they asked me whether I continued to apply for this card without {$150.00}. so they opened a new credit card for me without my approved. In fact, they have never sent me notice via any way. The service staff also said that they will give me {$150.00} due to I've been using their credit card more than five years, because he submitted my issue to his supervisor. I just need to wait for the {$150.00}. In fact, he have not submitted my issue to his supervisor who did not understand my issue, so I can not get the {$150.00} in future. My waiting is actually a waste of my time.

2. I continued to contact them and got different answers. They said I had other benefits so I couldn't take advantage of the {$150.00} plan anymore. In fact, I haven't gotten any discount since I got this credit card. 
Anyway, I think 'American Express XXXX cheat consumers include me through false advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Today I learned from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the reason my tenant can not deposit his rent check into my XXXX account using Zelle is because Zelle has linked my profile to a fraudulent account and Zelle has placed a PERMANENT ban prohibiting my accounts from Zelle transfers because of this so called fraud they connect to me and this action can not be appealed. I phoned Zelle at XXXX but they will not even discuss the situation and they refer me back to XXXX. XXXX tells me there is nothing they can do. I have never been involved in any fraud and I have never been notified of any fraud related to me by anyone in my 66 years. My tenant and my significant other are the only XXXX people who have ever deposited funds into my XXXX account using Zelle and that started in XX/XX/XXXX when my tenant XXXX XXXX XXXX, who is elderly, had great difficulty setting it up so my significant other XXXX XXXX XXXX tried to help him. We thought it was all taken care of when the XX/XX/XXXX rent was successfully deposited via Zelle by XXXX payments totaling {$1600.00}. My tenant notified me last week that he is unable to send the XX/XX/XXXX rent into my account via Zelle and his bank indicated the problem was on my end. So, I contacted the XXXX to find out Zelle has linked me to fraud and permanently banned me from use of Zelle without any appeal process. I have been branded by Zelle as a " fraudulent '' recipient of Zelle funds without any communication between Zelle and myself and this is all FALSE. The only XXXX people XXXX XXXX and XXXX XXXX to send money to my account using Zelle have both told me that they have not filed anything identifying me to any fraud. So, I am at a loss at how Zelle can label me as linked to a " fraud '' when it is not true and then refuse to discuss the situation or consider that a mistake must have been made that needs to be corrected, and then ban me for life from using a service provided by XXXX to its members without any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Had a bad faith with AmeriSave Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I was " dragged '' for 3 month processing a loan, supplied all docs requested ad XXXX, have Excellent credit, to a point I suspected I fell into a SCAM. Checking online I read tons of bad reviews from others in this regard. They collect {$500.00} from each for loan application and basically not executing. I then found out that in 2014 this company was fined {$19.00} Million+ for same issue. I wonder how is it possible that their license was not revoked!!?? They are using the same name!. I eventually approached my local bank to apply for a loan and requested to close my app with them, disputing the {$500.00} with my credit card. I assume not many do the same so quite a bit of money collected stays with this company. SHOULD BE INVESTIGATED!! I can supply you with all details required if you get to that point, I hope. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TX

Complaint narrative:
I had an account with PayPal and about 8 months ago, I was notified by PayPal that PayPal would be closing my account and that any funds still in the account would be released to me after 180 days.

Those 180 days have long passed and PayPal is refusing to give me my funds totaling {$5000.00}. I have reached out to PayPal over 40 times requesting that they release my funds, but PayPal has not been helpful. They keep telling me that my funds will be available for release in 72 hours, but they never release the funds.

Its absolutely unconscionable and cruel for PayPal to arbitrarily hold peoples funds for over 8 months, especially during a pandemic when everyone is going through a hard time financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Self Financial Inc.
State: OH

Complaint narrative:
I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated XXXX and XXXX as agreed but did not update XXXX. Instead, a late payment for XX/XX/XXXX was added to my XXXX report. This was impossible because because the account closed in XX/XX/XXXX XXXX. 

I sent them several emails requesting that XXXX  be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my XXXX report and the late payment for XXXX was still showing on my XXXX report. 

I called again and no one would help me. I sent another email and received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Okay i have previously notified Experian that I have an active auto loan with XXXX XXXX XXXX. Experian keeps reporting this account as being included in Bankruptcy. This account has never been included in any Bankruptcy fillings. This account is currently active, and current with no late payments.

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 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
I just called ACA of XXXX and they are trying to collect zoombie debts from 2014 which i haven't been to those hospitals. She couldn't give me details just the balance. This is XXXX violation. Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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

Complaint narrative:
To whom it may concern, 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 month and My lawyer recommended to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used paypal quite frequently for the past 9 years. ( since 2012 ) My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: PA

Complaint narrative:
On XX/XX/21 I filed a complaint against TransUnion showing that there is incorrect information showing on my report, they are not reporting the method of their investigation, the last investigation request to complete through this bureau has not completed. So just this information alone under the FCRA should complete my request to delete all negative information on my report because they can not properly verify what's on my report. Furthermore there is an attempt to assassinate my credit file further. On 3 occasions over the last 2 months my credit score has dropped the 1st time 152 points, the 2nd time 122 points, and the 3rd time 112 points. There has not been anything major happen in my credit file. I called TransUnion yesterday and they said they would not discuss over the phone even-though I went through their " dispute credit report '' option on their phone system. They did convey that one of the credit cards are showing that I'm in delinquent status. That's impossible I pay on them every 2 weeks. If you go back through the history it will show that fact. In addition when I went to remove a credit freeze on my credit report it was showing my credit file in " unknown '' status I had to call in to have them remove the freeze. All of this has ruined my chances to refinance my mortgage at a more competitive rate, it's forced me to 20 % interest rates to purchase a vehicle, and it threatens my employment + the ability to travel for my job due to the inability of my credit file to be able to get approved as my job requires for a credit card that can hold a substantial balance. In fact the bank scores being pulled are substantially less than the consumer view I'm getting. I would have a better score in bankruptcy than what I do trying to work forward with the credit file I have. How sad is that? Something needs to be done and I will continue to fight this until my credit file is reporting accurately and the scores reflect the true credit I actually have. It's bad enough we have been told to essentially shelter in place for this pandemic and then have to be hamstrung even further with all of this. There is no excuse this needs to fixed once and for all.

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