vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I deposited a check for {$190.00} into my keybank savings account. Prior to this deposit I had {$15000.00} in my savings account. The following day I logged into my account online and saw that my balance was now $ XXXX. I opened my account and saw XXXX Atm deposit debit adjustment {$19000.00}. XXXX I went to my local keybank branch in XXXX NY and was told that there was a glitch in the ATM, and the system they needed to use to look at this glitch would not be accessible until Monday, XXXX this was Friday morning around XXXX XXXX. I was leaving Friday night through Monday for a vacation to XXXX Beach, and fortunately I had access to my checking account. However, I had several bills that were auto deducted from my checking account that weekend and therefore my account became a bit lower than I am comfortable with and I ended up having to borrow money from a family member in order to avoid using my debit card. Normally when my checking becomes low I transfer money over from my savings, but I was unable to do that this weekend. On Monday XX/XX/XXXX a representative from keybank called me around XXXX stating that they looked into my account using the system and the money would be deposited on Tuesday. The money is now back in my account, however this caused me a great deal of distress over the weekend and I wanted to report this so it doesn't happen again to someone else. Thank you for your time! 

XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AMA Advisors, LLC.
State: NY

Complaint narrative:
Homebrige transferred account to XXXX XXXX. Homebridge is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX XXXX XXXX XXXX This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED I have provided you all document of the illegality. 
OF THESE FRAUDELENT ACCOUNT XXXX # XXXX. 
RESURGENT/LVNV FUNDING # XXXX 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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:
I suibmitted a dispute to Equifax on XXXX, they have failed to respond to my letters sent to them, and I am now demanding a full investigation. I am attaching the letter I sent on XXXX to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent various letters to challenge the accuracy of Equifax reporting a XXXX XXXX. On XXXX XX/XX/XXXX they stated they verified the US Bankruptcy Court entry on XX/XX/XXXX. In my letter dated on XX/XX/XXXX I asked them to send me various information on who verified this entry especially when the US Bankruptcy Court has a memo that stated they are not responsible for verifying or validating information from consumers XXXX credit files. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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:
XXXX  did not delete fraudulent accounts that did not belong to me even after I filed a police report with the XXXX Police department, case number XXXX. After my own investigation and calling XXXX XXXX XXXX  department at XXXX XXXX XXXX XXXX XXXX those XXXX accounts did not belong to me. On a hunch, I looked into my husbands prior credit reports and bankruptcy filings XXXX XXXX XXXX and discovered that the XXXX XXXX account belonged to him which Ive never been a joint owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I have contacted original devt holder disputing this charge however attempts to collect continue so I want to offer XXXX to settle debt and have company update with credit reporting bureaus to prevent financial problems due to my financial hardship.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX sent a past due balance ( which I was unaware of ) to the credit bureaus as a charge-off. I was told this account was paid off. XXXXXXXX XXXX XXXX XXXX ( whom I currently lease another car with ) was not calling the correct phone number to ask for this payment. I have tried changing this number several times and by their errors, was not changed. My credit score dropped over XXXX points on a balance I was not aware of. I spoke with several representatives and supervisors who refused to acknowledge their errors. As soon as I was told ( after sent as a charge-off ), I paid the balance. I asked for them to remove the charge-off and for their " no remove '' policy and report it accurately but they refused to. Very shady and unethical practices. They should be investigated as they have several similar complaints. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  IS REPORTING A SCORE FOR TRANSUNION AND XXXX IS REPORTING XXXX XXXX XXXX AND XXXX XXXX IS RRPORTING XXXX. BOTH OF THESE ACCOUNTS HAVE THE SAME CREDIT ACCOUNTS. THEY ARE NOT CONSISTENT. IT APPEARS THAT THESE ACCOUNTS SCORES ARE FRAUDULENT AND THE BLANTENT DISPARITIES

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
My debt was from XXXX and I asked debt collector doesn't it come off my records in 1 month because it was XX/XX/XXXX and I was told debt falls off record after 3 years the debt collector than proceeded to have bad attitude and threatened that if I didn't pay the day of that they would reset calendar for 3 more years and I want be able to get house or anything else dealing with credit because they would use this debt to affect my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX, XXXX, and XXXX continues to report an account without my consent. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates.

1. Portfolio RC XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX I went on the bank site and saw an overdraft of XXXX I was told by the bank that i cashed a check. However I asked it had my signature on it .. they told me no. They said they sent me that amount of money to my account but I personally never received it however in XXXX around the XXXX I had lost my purse with my phone and cards and i had reported it them .. Im only XXXX I didnt know I had to reported it the police as well .. when I bought a new phone I logged in and saw the transaction that was made however I reported it the bank and they told me that there was nothing they could do! I dont work Im on my own and I cant Pay back for something I dont know about

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 2021-05-19 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: Nelnet, Inc.
State: PA

Complaint narrative:
I have a regular inquiry on my XXXX  Credit report from Firstmark Services XXXX that I didn't authorize. 

After contacting Firstmark they reported that I never did the inquiry but requested additional information ( subscriber code ) that is not available in the XXXX credit report. 

Since I can't provide this information. XXXX guided me to file a FTC complain and report the complain number back to them to take further actions. 

Here is the information about the regular inquiry on my XXXX credit report : FirstMark Service XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested on : XX/XX/2021 Inquiry Type : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: FL

Complaint narrative:
I sold two items on XXXX XXXX. They required me to use PayPal for payment. PayPal has refused to move my money into my bank account - {$590.00}. The original hold was 21 days, then 72 hours, then it would be next day. That was 3 days ago. I need the money to rent a car to get to the XXXX for 2 XXXX. I can barely walk and I have already cancelled one appointment because of the delay in getting my money - which I need immediately so I can rent a car to get to take the tests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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:
PayPal closed my new account with My my funds of selling My used bike, 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 months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent you a letter onXX/XX/2021, which you have NOT responded to.

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 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX BofA charged my account a fee. I asked for an appointment to determine the reason for the fee. The bank associate at XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX reviewed my entire account history to inception of XX/XX/XXXX and called me to talk about specific deposits made to an investment firm dated in XX/XX/XXXX. This is in no way related to my inquiry, and was done without my consent. This was a violation of my privacy. I have made several calls and complaints and received no return calls. My initial issue over the fee was not addressed or resolved.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I noticed on my credit report that it states an address that I never lived, nor ever heard of. The address is : XXXX XXXX XXXX, XXXX XXXX XX/XX/2020 I have sent several letters to XXXX, XXXX, and Equifax upon me noticing this fraudulent address and they have ignored my request and never removed the address. I also sent them my identity and a utility bill to let them know my correct address. I am afraid I may become a victim of identity theft with this address on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My Mortgage is with Quicken. My rate is high so I wanted to refinance. I was about to close with a local credit union. Quicken contacts me and says we can get a better rate. We got this. So I say ok. Now I closed the file with my local credit union. Now last minute Quicken comes in again and says. They cant refinance because of a lawsuit with the XXXX  at my condo. But I can continue to pay at the higher rate. I think this is a shady practice just so they can get {$110.00} more a month out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contacted Experian to have dispute remarks removed but the agent closed three active accounts. When I called to have them did their error, they refused. The accounts they closed at open and active at a XXXX  balance.

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 2021-05-19 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: FL

Complaint narrative:
Experian did not delete fraudulent accounts that did not belong to me even after I filed a police report with the XXXX Police department, case number XXXX. After my own investigation and calling XXXX/ XXXX  fraud department at XXXX XXXX XXXX XXXX XXXX those three accounts did not belong to me. On a hunch, I looked into my husbands prior credit reports and bankruptcy filings ( XXXX ) and discovered that the XXXX XXXX account belonged to him which Ive never been a joint owner.

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 2021-05-19 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:
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 months but I just remembered I could file a report on here as I feel they are not doing their job properly 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 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: TX

Complaint narrative:
To whom it may concern at AmeriCollect Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 


Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 


My goal is to correct the record on file. This is a request for information only. 

Please provide all paperwork to XXXX XXXX XXXX, XXXX, Texas XXXX Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report.

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY CAPITAL ONE BANK ( SEE ATTACHMENT ) XXXX XXXX - 17 late payment reporting including 6 months of being reported as CO XXXX  XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off ( SEE ATTACHMENT ) XXXX  XXXX - NO DATA Capital One is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX  they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting CO. To XXXX  they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander Consumer USA settled a multistate lawsuit with 33 states. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk by placing them into auto loans that Santander had determined had a high probability of default. 

My loan met the same criteria. I purchased my vehicle in XX/XX/XXXX and defaulted before XX/XX/XXXX. I've attached my loan documents for your review. 

I received notice from the MD Attorney General 's office outlining the relief I'd receive as a result of the settlement. I would receive a restitution payment and loan deficiency balance waiver. Neither of these have happened. Santander has only made payments to 2 entities so far. It has filed a motion with the NJ Bankruptcy court to have my chapter XXXX vacated so that it can repossess my vehicle.

Company response to consumer: Closed with explanation