vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
In XX/XX/2019 I noticed that they increased my interest rate to 5.25 % and then in XXXX it was increased to 5.65 % I contacted the company I called them regarding the interest rate on my reverse mortgage. The increase rate has increased quarterly, while the interest rate at other banks have dropped. I also took out money from the loan and I was told that an interest rate would not apply to that amount. In reality, American Advisors Group applies a high interest rate on this amount each time I withdraw from the reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
This account is listed as being opened and late as of XX/XX/2020 which is completely incorrect. This account is from years ago and that needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Verisk Analytics Inc
State: TX

Complaint narrative:
I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In 2015, I opened a checking account with Bank of America ( BoA ). The last transaction date was XX/XX/15. At some point after that, the account was closed. At that time, I had a balance of nearly {$960.00} in the account. When I log into my BoA account, I can see the balance listed under My Portfolio, but there is no way to access the funds. I realized this sometime around XXXX of last year, and called BoA about it. They told me that their system shows a balance of {$XXXX} at the time of closure. They say that the money must have been passed to the State of Missouri ( the address on the account was a Missouri address ) as unclaimed property. I have checked the publicly-accessible unclaimed property databases, but there is nothing under my name. I believe the funds were never passed to the state.

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 2020-05-04 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: Verisk Analytics Inc
State: TX

Complaint narrative:
I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: GA

Complaint narrative:
On XX/XX/2016 I lost my wallet. In my wallet there was my license, social security card, and some documents with personal information. Unfortunately a few years later I see that several fraudulent accounts and inquiries to open new credit was used on my consumer report/credit. The accounts and inquiries were fraudulent. I am a victim of identity theft. I filled a police report, filed a complaint with the FTC. The accounts that were opened fraudulently were XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Ive attached my police report. I have contacted you previous times on several occasions. I repeat the accounts were moved and place right back onto my consumer report. I am asking for an internal investigation and a response in writing. Ive sent in certified mail and it was missing. If this continues to become a problem, I will be forced to take legal actions against your company immediately upon your reply. This was beyond my control for someone to open Fraudulent accounts on my consumer report. This has cause some major problems of distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: WA

Complaint narrative:
In this difficult time, I am a victim of XXXX and I am not working since XX/XX/XXXX because my company has closed temporarily. I tried to call this people to let them know about my financial situation. I am surprised that I had taken out an {$800.00} loan but the interest is excessive. They kept calling and emailing me claiming {$2600.00}. I am really worried because this situation becomes stressful. Thank you!

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 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I buy and sell items on an app called XXXX XXXX. I had a customer offer to buy a hockey helmet that I had for sale  and he wanted to use Cash app to pay me. I do have an account on cash app but only a personal account. Since the amount of the helmet was XXXX I was told I needed to upgrade to a business account. The cost to upgrade to a business account is XXXX. The customer was going to send XXXX ( XXXX helmet and XXXX upgrade ), with the understanding that I would send him the XXXX back after the transaction with the helmet was complete. I was told to buy XXXX cards in the amount of XXXX ( XXXX a piece ) to send through Cash app to reimburse him the cost of the business upgrade. I couldn't find XXXX cards so I purchased two XXXX visa money cards. I send the money through from the Visa Cards and then was informed that it had to be XXXX   cards. So that was my 1st XXXX loss. I found the XXXX cards and sent those. They said that the money was already taken off of one of the cards, but not the other. So now I have sent XXXX and I had to go get another XXXX card to replace the one that they said was no good. I had the understanding that any money or card I sent them would be reimbursed to me. By this time I am down XXXX on a transaction that was supposed to give me XXXX. The last conversation I had with them today, XX/XX/XXXX I was told to send an additional XXXX XXXX card which I am not doing. It is a shame with the situation our country is in right now with Covid-19 that we are getting ripped off. The reason I sell items is to put food on the table for kids, wife, and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I can't work right now because of covid-19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unique Management Services, Inc
State: IN

Complaint narrative:
I recieved communication from a debt collector. I invoked my specialized remedy as a consumer under 15 USC 1692 of the Fair Debt Collections Practice Act. My rights have been violated with a list of fourteen violations. 

There were six ( 6 ) listed violations in the first affidavit submitted to Unique Management Services Inc. D/b/a Unique National Collections. An invice was sent along with my affidavit to address my remedy as a consumer. The six violations are listed below in the affidavite are listed for your review below. 

1 ) 15 USC 1692A.

2 ) 15 USC 1692B ( 2 ).

3 ) 15 USC 1692B ( 5 ).

4 ) 15 USC 1692A.

5 ) 15 USC 1692D ( 1 & 2 ).

6 ) 15 USC 1692E ( 2-a ). 

To which the aforementioned debt collector responded with a letter that does not address my affidavit, nor the violations, nor my remedy. to wit I responded with a second affidavit and invoice which includes eight more violations. The violations are listed below. 

1 ) 15 USC 1692B ( 5 ).

2 ) 15 USC 1692B ( 5 ).

3 ) 15 USC 1692A.

4 ) 15 USC 1692C ( a ).

5 ) 15 USC 1692C ( b ).

6 ) 15 USC 1692D ( 1 & 2 ).

7 ) 15 USC 1692E ( 2-a ).

8 ) 15 USC 1692B ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Please help me resolve the nonstop, inaccurate billing sent to me since XXXX by Paypal Credit through Synchrony Bank. I used Paypal Credit for convenience in ordering home-delivered items from Walmart since I am a XXXX, homebound senior citizen.Things were ok at the start, but after I disputed some charges the situation quickly deteriorated.I called multiple times, was transferred from dept to dept & put on hold for as long as 3 hours, then often after the long wait, was disconnected. I put up with this no resolution no cooperation nonsense since XXXX. Today XX/XX/XXXX, I escalated the complaint to CFPB ( Consumer Finance Protection Bureau ) which previously " instantly '' resolved my 2 yr loan modification battle w/ XXXX  XXXX XXXX in an impressive1 week..after being denied without reason by XXXX XXXX XXXX for 2 years ... All it took was escalating the complaint to CFPB. 

I spoke again today to Paypal Credit ( Synchrony Bank ) about their latest letter dated XX/XX/XXXX, useless communication like before with unexplained interest and finance charges and no details despite my repeated requests since XXXX. In XX/XX/XXXX I instantly paid off about {$270.00} in valid Walmart purchases after these were finally itemized to me by phone, and I ended with a credit balance of {$25.00}. I was told to ignore the unexplained penalty charges since these were caused by Paypal Credit 's refusal to give details of the bill which made payment impossible. Yet after getting this credit balance I again was unexplainably billed over {$300.00} in penalty fees, with no detailed explanation. After wasting time with many representatives and getting nowhere since XXXX, I decided today that I would escalate the complaint to CFPB to get results.

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
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a credit card with capital one that advertised a 0 % apr for a number of months. Every month, I diligently watched my statement, as my intention was to pay off the balance in full when the 0 % rate expired. Imagine my suprise when my bill came due and I notice an interest charge for my outstanding balance. I called capital one to complain and they explained that the promotional rate had expired mid-month, and they refunded half the interest charged.

In my opinion, this is deceptive. Nowhere on my last 'fully 0 % ' APR statement was a notice 'oh by the way, your balance expires mid-month next month, so if you wait for a statement to pay it, we're gon na charge you interest! In fact, no notice about the teaser rate 's expiry was provided at all. 

Apparently Capital One used to provide this type of notice. The person I spoke to even said to me " I don't know why they stopped notifying people on their statements that [ the expiry of their promotion rate ] is  about to happen! '' To me, it's extremely obvious why Capital One stopped notifying its members of the rate expiry : to extract profit. This is an incredibly underhanded practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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: MO

Complaint narrative:
Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. Transunion keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. Inquires that I did not authorize. XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XX/XX/XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXAutomotive Individual XXXX XXXX, XXXX XXXX XX/XX/XXXX / XX/XX/XXXXXXXX Banks Individual XXXX XXXX, XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XX/XX/XXXXFinance / Personal Individual XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XX/XX/XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. XXXX XX/XX/XXXXBalance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00}XX/XX/XXXX XXXX {$4700.00}

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, we applied online for a 3-month home mortgage " assistance/suspension '' ( forbearance ) from Wells Fargo Bank under Covid-19/CARES Act. 

Wells Fargo Bank 's website said it " won't report a past-due status for this account to the consumer reporting agencies. '' Our credit report shows that Wells Fargo improperly reported to credit agencies that we were in 3-month forbearance ( " XXXX XXXX account, account in forbearance conventional real estate loan student loan deferred XX/XX/XXXX '' ), when they should only have reported that we were " current '' ( section 4021 of the CARES Act ). 

This " forbearance '' notation in our credit report kept us from refinancing the mortgage with a particular refinance company at a rare 2.99 % /no points/no closing costs. 

We have since asked Wells Fargo to remove the forbearance notation and we have paid the XX/XX/XXXX payment on XX/XX/XXXX and are now current, and intend to pay the XX/XX/XXXX payment and all future payments on time. 

Wells Fargo told us XX/XX/XXXX, that they would " look into this '' and would work on removing this from our credit reports, but that it would be our job to follow up with all four credit agencies ( XXXX, XXXX, XXXX, and XXXX ) to confirm it was removed. That process could take some time, during which we can't refinance and rates may go up. 

I am filing a complaint to ensure this does not happen to countless other unsuspecting customers.

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 2020-05-04 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: NY

Complaint narrative:
I am sick and tired of Equifax. Im in the process of starting a class action against them. This company is horrible and are ruining peoples credit. On XX/XX/XXXX my score jumped 106 points because of an closed account reporting information. On XX/XX/XXXX my credit score went down 103 points  because the same company XXXX XXXX added additional information. This account is paid and closed. Why is this company still allowed to change or update information on my Equifax credit report? This account was already deleted from XXXX  and XXXX. Equifax is doing some weird things with people credit. My score is 100 points lower than XXXX  and XXXX. Accounts that are on Equifax are closed and none of the companies say they arent reporting anything and already requested Equifax to delete. Why is Equifax think they are above the law? What they are doing is against the FCRA. I will make sure they are held accountable for their actions. No paid closed account should be reporting or updating anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The government informed me on XX/XX/2020 that I would have my stimulus payment deposited into my PayPal account. However, PayPal has not processed my stimulus payment and it's not even showing in my account as pending, four days later. There is no way to get a hold of PayPal by phone and they are claiming that they don't have enough staff to man the chat on their website for customer services. This seems contradictory though, because employees online are claiming that they were sent home with computers so they could work from home. Either way, I have been ignored by the company and was also told by whoever mans their XXXX page that if I post anymore information about how people can file a complaint against PayPal for this mismanagement of their account/money would get me blocked from posting on their page. So, in all ways, I am being shut down as a customer by the company. With this being during a world-wide pandemic, they have made mine and my family 's suffering even worse, as we are heavily relying on that stimulus payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
WF/XXXX XXXX XXXX is reporting PAID but I see multiple 30 days late remarks and 60 days late remarks which is not true please remove late remarks from my account because it is affecting my scores to badly.

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 2020-05-04 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: CA

Complaint narrative:
I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove them.

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