vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCORPSOUTH BANK
State: AL

Complaint narrative:
In XXXX of this year my business discovered that a check ( {$240.00} ) which we mailed ( In XX/XX/2020 ) had been intercepted, washed and cashed for ( {$6800.00} ) an amount much greater than what we originally submitted the check for. We notified our bank ( BancorpSouth ) as soon as we discovered the issue and after several weeks, they advised that due to the check being cashed at a different bank ( XXXX ). After numerous attempts to have our bank intercede, we notified the local post master and the local ( XXXX, AL ) Police Department who knew that a crime ring had stolen and washed numerous checks from our area. Detective XXXX XXXX with the XXXX ( Alabama ) Police department took our complaint and reportedly issued subpoenas to both banks. Detective XXXX also spoke to the FDIC who states that our check should have been covered by the FDIC. I approached our bank ( BancorpSouth ) about submitting the issue to the FDIC, however our bank states that too much time had passed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$420.00} XXXX/XXXX XXXX {$700.00} XXXX/XXXX   XXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Creditor keeps reporting late payments on my credit report for XXXX and XXXX of 2020 even though they have been deleted from my account on XX/XX/XXXX. 
Bureaus do not have corrected information about deleted late payments. 
Creditor is saying that they have notified the bureaus to delete those late payments twice, but bureaus are stating that they have not received anything. 
Disputes with bureaus did not bring any results. 
I am asking you to get involved.

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 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Payment was not applied in a timely manner and notifications for lack of payment were mailed, but there was no attempt to reach me via phone or text, etc. 

This caused a negative mark on my credit score. 

Once i was notified there was a payment issue, i paid the amount due and the amount for the next 2 months 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 2020-08-03 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:
I had set up a new PayPal account to link it to my XXXX for selling my phones and items around my home. I started getting a cash flow into my account and everything was great I've been shipping my items to my customers. Shortly after I get a notification that my account has been limited. I send all the documents that PayPal has requested to the best of my ability. A few days later, PayPal claims that I'm too high risk to be on their platform and places a 180-day hold on my account and limiting everything instructing me to not use their platform again. This is very poor execution of service. just because I am a new seller on their platform I get my money taken and no way of appealing their actions. 
You can no longer do business with PayPal. ( Ref ID - XXXX ) Account email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In or about XX/XX/2020, I disputed the entry from XXXX XXXX   with Equifax. Equifax stated that their investigation proved that he debt was mines, but Equifax never provided me with validation information concerning this debt. So, I sent a certified letter to XXXX XXXX  requesting validation of this debt in the amount of {$200.00} in or about XX/XX/2020. However, it has been over 30 days, and XXXX XXXX   never validated that debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Card Receivables Fund Incorporated
State: IL

Complaint narrative:
On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was UNIFUND. UNIFUND sent XXXX XXXX XXXX my incorrect information and are threatening me with a lawsuit. 

First off, UNIFUND does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now UNIFUND and XXXX XXXX XXXX and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that UNIFUND posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. 

My reputation and financial information were completely violated. 

To make matters worse, when I contacted UNIFUND, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager,  but instead he hung up. 

All the information UNIFUND has pertaining to me is inaccurate as well as this debt. 
XXXX has written off my account and did not reach out to me to pay them any outstanding amount. UNIFUND who is working alongside with XXXX XXXX Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want UNIFUND or XXXX XXXX Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Service Bureau, Inc.
State: NE

Complaint narrative:
The option I need to discuss my compliant was not a choice. I want to talk about the fee charged to pay the debt over the phone. It is ridiculous to be charged a {$7.00} fee to use a debit card, but it would be free if I gave them my checking account information. Granted my payment for the medical bill was an oversight! I thought my husband paid it and vise versa. Needless to say I could pay the {$160.00} for the bill without issue. BUT the fee is terrible. It is unfair and not warranted especially since it is not costly to process the transaction. GSB ( General Service Bureau ) has more of risk with over the phone or mailed in check payments! They seem to be gouging folks on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$260.00}

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 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$260.00}

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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I had a vehicle loan with HMF that I was paying off at an accelerated rate by making extra payments. I decided I wanted to pay off my entire loan in one lump sum. When I contacted HMF to receive a payoff quote, I was told that some of my previous payments were being held " in suspense '' because of how far ahead I was on my payments ( roughly 22 months. ) I was unable to get an accurate payoff quote because of this. I was told to generate the payoff quote online, payoff the amount that was shown, and that any overage would be sent back to me as a refund once the loan was paid off. 

I generated a payoff quote on HMF 's website on XX/XX/2020. The payoff quote was {>= $1,000,000}. I knew this amount to be higher than what I owed but again was assured it would be handled by the payment processing department. I wrote the check, sent it in the mail to HMF. 

I received correspondence from HMF on XXXX XXXX from a gentleman that was assisting me in getting the payments that were being held in suspense cleared. He informed me via email that he was able to do so and that my payoff quote should now be correct. I had already sent the check in the mail by that point but generated another payoff quote online just to confirm. The payoff quote generated on XX/XX/XXXX after payments were applied properly was {$9000.00}. This is about what I expected the payoff quote to be so I felt confident that all issues had been resolved and that the difference would be handled when the loan was finalized. 

I received a letter in the mail from HMF that my loan was now paid off and I was able to receive my title from the DMV. I have contacted HMF numerous times over the last few weeks to get an update on my refund. Each time I am told that there has been no update from payment processing and there is nothing further they can do. 

The difference between what I sent to HMF ( {$10000.00} ) and what my corrected payoff quote amount was ( {$9000.00} ) is {$1000.00}. That is the amount I am owed from HMF. 

The last correspondence I have from HMF was on XX/XX/2020 from the same gentleman that was helping clear my payments via email. He confirmed that I would be receiving a refund and that he was " working on the refund now '' but explained that due to COVID19 accounts payable is working from home and processes are behind. I feel that I have been more than patient during this time and would simply appreciate an update on this situation and would like to receive the money I am due. 

Thank you for your attention to this matter.

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I used PayPal to make a purchase for a XXXX on XX/XX/XXXX. The total of {$110.00} was taken from my account. I never received the item. I reached out to PayPal to make a claim on XX/XX/XXXX. I let them know I never received any tracking information and did not receive the XXXX. On XX/XX/XXXX Paypal had a XXXX tracking number on the order. I went to XXXX to look up the tracking number, it said it was delivered on XX/XX/XXXX under the carport. I have no carport at my residence so I filed a claim with XXXX. I messaged PayPal that this wasn't delivered and I was asking for a refund. I have tried to speak with an actual person at PayPal to no avail. They denied my claim because they were given a " tracking '' number. Every time I message PayPal on this matter they automatically close the claim. As of today I still have not received the XXXX and had no actual help from PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX was the guarantor for my mortgage received by Bank of America. Recently, I did a XXXX XXXX  lookup information. I called both XXXX XXXX  and was told that my guarantor changed. I called XXXX XXXX and was told that they are not guarantor. When I called Bank of America requested why the guarantor changed and requested that I be provided with the new guarantor information ; Bank of America denied my request. In addition, Bank of America advised me that by law such information did not need to be provided to me.

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 2020-08-03 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: NY

Complaint narrative:
I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be corrected.

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITY NATIONAL BANK
State: PA

Complaint narrative:
I requested to close my City National Bank Crystal Visa credit card in mid-XXXX by phone. I followed up by email. Yet the card is still open and will be subject to a high annual fee when the next cardmember anniversary arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: LA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00XXXX XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXXXXXX {$1100.00}

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 2020-08-03 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: LA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXX {$1100.00}

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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISMISSED XXXX CHAPTER XXXX  BANKRUPTCY XXXX XXXX XXXXXXXX {$560.00} XXXX XXXX   XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: FL

Complaint narrative:
I am a victim of idenitity theft, there are accounts on my report and they are not mine

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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of idenitity theft, there are accounts on my report and they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Berman & Rabin, P.A.
State: MO

Complaint narrative:
I was served by XXXX XXXX County back in XXXX 2020, I never received anything from this company prior. I called Berman and Rabin the collection office and spoke with XXXX. He refused to send me documentation pertaining to this suit. He told me that if I didnt want to pay thats fine go to court. I attended all court dates and then set up an payment arrangement. They never sent the paperwork via mail to get notarized by mail. I was told not to show up to court after I made the payment to be told that a default judgement has been entered against me. After emails and calls I was contacted todayXX/XX/20by XXXX who yelled at me and threaten me after I questioned why I was being charged court cost after they never sent my account to abitration.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation