vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent the following letter to XXXX, Equifax and XXXX and they have refused to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # : XXXX Effective XX/XX/XXXX, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit score. This change is temporary and applies ONLY during the CARES Act period as defined below. 

On XX/XX/XXXX, the United States Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. 
Based on this information about my rights and protections under the CARES Act please remove any late payments you have reported to the credit agencies ASAP.

* CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX, and the latter of either : 120 days after XX/XX/XXXX, or 120 days after the national emergency concerning COVID19 ends. 

Note, I have spoken with your company on several occasions alerting you that I was experiencing a hardship due to the pandemic and I also made a payment during this period and expressed my willingness to correct the problem. The following late payments should be reversed and removed from my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I fail to understand why Forbearance can only be extended up to 18 months if started on or before XX/XX/2020. I started on XX/XX/2020 and am still unemployed struggling to survive with a family of XXXX to support. I am starting an entirely new profession and will be attending school for 4 months which is full time, therefore, I will be unable to work a job and attend school. This absolutely makes no sense what so ever that if I started a month earlier, which I didn't need to as I still had a job at that time, I could extend another 6 months. Please someone explain this to me ...

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 2021-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have tried to pay-off this loan since XX/XX/2020. I requested the pay-off amount and was told that the loan could not be paid off without first receiving a pay-off letter from PHH. It was not a problem but during that time, the mail was slow. I requested the pay-off amount through via secure email and was told that was not possible. I did submit this issue to this agency but did not see where proper resolution occurred. In fact, the check that was forwarded to PHH ( {$35000.00} ) was returned. 

I have been paying ahead $ 5000 monthly. The balances received have not been reflective of the payment amounts -- interest and principle. The balance is now approximately {$10000.00} and I am now past due. 

This month, I received a past due payment amount of {$390.00} although the previous amount paid in XXXX was {$5000.00}. The XXXX payment was {$1000.00}. This could affect may credit rating as well. 

This company is intentional about discouraging pay-offs and is actively engaging in practice that could be considered as discriminatory. The practices that I am seeing appear to be not even legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive disputed this multiple times with the same result it remains on my report. The reporting is clearly incorrect and you have still yet to remove or fix it properly. These items are 4 Closed charge off accounts with the XXXX police federal credit union. That report charge off month after month these accounts have been closed since XXXX and XXXX. These are clearly violations of the FCRA and need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I've sent all my information in several times and they'd never helped me fix it but any form shape at all you're not helping me out with trying to fix the problem they avoid me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: First Advantage LNS Inc.
State: CA

Complaint narrative:
Please forward the information to National Credit Audit Corporation. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CA

Complaint narrative:
The following account is an account that is a result of identity theft this account does not belong to me. I have requested in the past XX/XX/XXXX method of verification which includes a signed contract with my signature that shows I opened this account. My address at the time the account was opened as well as now differs from the address the bank had on file at the time. I have provided an FTC complaint, police report, and notarized statement for this fraudulent account. I have also provided proof of my address at the time the account was opened. I am requesting the proof you possess that allows you to continue reporting this account as none has been provided but I provided all the proof that is needed to completely deem this item as identity theft. Please provide your method of verification and if you can not verify this item, or if there is any inaccuracies shown in this, which one I have pointed out is my address verification in XX/XX/XXXX which shows that it is not verifiable that this account belongs to me, you are required to stop reporting immediately. 

The address at the time account was opened is ( Unverifiable and Inaccurate ) I have never lived at that location. 
A contract that has my signature and proof that I opened this account ( Unverifiable ) Who actually opened the account ( Unverifiable ) I have outlined several instances paired with my Identity theft information that shows this account can not be verified as mine. Show me what you have, which is allowing you to continue to report this fraudulent item. 

This mark is hurting my credit and making it impossible to obtain credit and housing. I have attached my police report, FTC complaint, notarized statement of truth, and proof of address from XX/XX/XXXX. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
I have an open XXXX  XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with 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
Consumer complaint received 2021-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase at a restaurant. Our waitress mistakenly charged the entire bill to my credit card even though we had asked for separate checks. 
She corrected the error and assured me my card would not be charged for the prior amount which she did not close out as she alleged and that would prevent it from being charged. Please note - My credit card is a Merrill Lynch Visa ( Bank of America owns Merrill Lynch and it is administered via my Bank of America website ) When I looked at my online credit card charges on XX/XX/XXXX, I saw a {$23.00} charge from the establishment in addition to my regular bill. 
I disputed the {$23.00} charge after troubleshooting the matter with the restaurant manager, who said he could not find the charge at all thus I would need to contact my Credit card company. 
So on XX/XX/XXXX, I disputed the charge online with Bank of America and I received the notice which I have attached to this complaint. It clearly and distinctly states, A temporary credit for {$23.00} will be applied to your account. Please allow two business days for your account to be credited as you can see in the highlighted area. 
On XX/XX/XXXX, a week later, there was no {$23.00} credit and I saw the {$23.00} charge still on my account. I contacted Bank of America and spoke with XXXX who told me ( a ) he had never heard of the XXXX time period for credits as he worked there for years and XXXX b ) said it could take from 7 to 90 days to resolve.

I requested he file a complaint as I have seen Bank of America issue temporary credits in the past, and I had documentation before me supporting this.

If there is conflicting information on their website, which I did not find, it is either ( a ) buried somewhere on it and not readily accessible and ( b ) it is inaccurate, given the documentation you see in my attachment. 
On XX/XX/XXXX, I received the letter you see on page 2 of the attached document, which is merely a non-specific, form letter, which is of no value. 

As of this day, there is still NO temporary credit issued as alleged would occur and is documented from Bank of America.

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 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I was supposed to receive XXXX American Express Membership Reward points upon making {$5000.00} in purchases on my new AMEX card within the first 6 months of getting the card. I received the card in late XX/XX/XXXX, and I met my spending requirement on XX/XX/XXXX, yet I have not received the XXXX points as I was supposed to. 

I reached out numerous times to AMEX customer service and was told I needed to wait 8-12 weeks starting from the date of XX/XX/XXXX in order for me to receive these points. It is now 13+ weeks since XX/XX/XXXX and I still have not received my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have an open XXXX  XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with 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
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
I have an open XXXX XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft

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 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I have a credit card debt that went into collections in 2016. The account was recently purchased by a debt buyer Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX. They are now Re parking old debt on my credit reports as new debt which is an illegal practice. I have been trying to dispute this information with the credit bureaus which will not help with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
My XXXX XXXX stopped working and I had to get a new phone. I had XXXX XXXX for BINANCE.US login security feature on my XXXX XXXX. I had to get a new XXXX  XXXX. I can't access my original XXXX XXXX any longer and it doesn't transfer over to my new XXXX XXXX. I contacted BINANCE.US about my issue. They requested my original ID used to sign up, a video recording of myself and me holding my documents. I submitted everything they requested and its been almost a month with no response. I emailed them asking the status of my ticket without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-22 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing today in regards to my account with XXXX XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021 and XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021 and XX/XX/2021. 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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I am a man of XXXX and I feel like these credit reporting agencies are taking advantage of me because of my race. I sent them a official statement on XX/XX/2021 notifying them that these accounts were Fraudulent, so they were supposed to remove them after 4 days of receipt of my letter, but they did not. it is now XX/XX/2021 and these accounts are still reporting to my credit report. they are only treating me like this because they feel like I don't have consumer rights because of my race.l they are discriminating against me and my consumer rights. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: PA

Complaint narrative:
I disputed two items on my XXXX, Equifax and XXXX  credit reports on XX/XX/21. It has been over 30 days with no resolution. 

I sent a 30 day demand to comply letter to XXXX, Equifax and XXXX, on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: IL

Complaint narrative:
This is a complaint against Paypal, for it's failure to protect customers from being charged by unauthorized transaction. 

Here is the story : I started my free trial on an audiobook app in XX/XX/XXXX. To start my free trial, I had to link my Paypal account with the app membership so that the merchant could charge me if I wanted to renew my membership after the free trial ended. However, by using the app for several days, I decided to cancel my free trial and not renew my membership any longer. Thus, there should be no charge on my Paypal account at all. 

However, on XX/XX/XXXX, I found I was charged by the merchant for a full year membership renewal. I immediately reached out to Paypal to dispute this transaction and checked 'automatic payment ' on Paypal and found the status of the automatic payment was 'Inactive '. 

One day later, Paypal responded and said it was not an unauthorized transaction. So they wouldn't protect me from this issue and help me get my money back. Meanwhile, they requested me to review my active automatic payment more carefully going forward. 

However, I don't agree with Paypal 's investigation result : 1. The transaction is definitely an unauthorized charge. As I canceled my free trial, my agreement with the merchant to charge me by Paypal should be terminated immediately. Any charge after the cancellation should be identified as 'unauthorized '. 
2. I have already reached out to the merchant, but it didn't respond. If Paypal passes the buck to the merchant, as a customer, I can do nothing if the merchant refuses to resolve the issue. In this case, Paypal fails to protect its customers as promised. 
3. The status of the automatic payment by the merchant was inactive when the charge occurred. How come could Paypal allow an inactive charge happened? 

If Paypal treats this type of unauthorized transactions legit, then customers will be under tremendous risks when they subscribe to any services. Because, if merchants continue charging customers after customers request subscription cancellation and refuse to respond customers, customers can find nobody to protect them. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

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