vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX, XXXX, I was approved a total amount of {$64000.00} by SBA as an XXXX XXXXXXXX ( I am a XXXX XXXX XXXX by profession ). The fund was deposited into my checking account. The fund was initially held and was later released to me after providing all the documents used in applying for the loan. I opened a business account and transfer the funds in the account. In early XXXX without any notice I discovered that my account was held again for the second time and all my address was held. I called severally to find out why all my accounts are closed ; I was finally told that I am under investigation due to my SBA loan received. I was made aware that the fund will be returned to SBA. On XX/XX/XXXX I received a mail stating my account was closed because " it's no longer a good fit ''. I received an invoice for repayment of loan from SBA for the money I did not have access to. I called Capital again today, I was fortunate to speak to someone in the fraud department who told me that it was minute on the computer that my case was closed on XX/XX/XXXX, and the money has been returned to the government via secret service, who then will send the fund back to SBA. She said that is the process capital uses. I called SBA they said the fund has not been returned to them. 
I will be glad if you could use your good office to resolve this concern/problem in a transparent manner so that I will not be paying for the money I do not have. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX attached insurance to my loan which was supposed to pay off loan ( no deductable ) should anything happen to the car. They never gave me the policy info. On XX/XX/XXXX the car was hit by a drunk driver. I immediately told the bank and it took 3 calls to get the insurance info. 10 days later the Insurance company stated that the loan would be settled and I did not hear from the XXXX XXXXXXXX XXXX again. When I applied for a mortgage this past XXXX we found XXXX XXXX XXXX was reporting me as 180 days past due. I called them to find out what was going on and was told they would have me talk to someone else ( who never called. A few days later, while waiting for the call, they notified Experian that it was a charge off, then notified them again in XXXX of XXXX that it was a charge off. So instead of having been shown as paid/closed in XX/XX/XXXX like I was told it would be now it shows on my credit as 180 days past due with 2 charge offs. since then no one at bank will talk to me or return my calls. If the insurance did not pay off the loan the bank misrepresented or lied about what it would do, which is illegal. Insurance should have been paid within 30 days according to the Virginia department of Insurance! Failure to contact me about the loan violates Banking industry protocols and legal guidelines. I want my credit report fixed to show this loan was settled back in XX/XX/XXXX with no charge offs!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has been inaccurate late payment reporting to the credit bureaus Experian, XXXX, XXXX XXXXThe account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of XXXX I was issued a Bank of America XXXX XXXX XXXX card for the purpose of receiving unemployment payments from the Arizona XXXX. This card was used used for three months until XXXX XXXX  when Bank of America closed the card and took all {$3500.00} that I had in my account. 

This account closure : 1. Was done without my consent. 
1. Was made without appropriate notification from Bank of America. 
2. Was done without appropriate legal justification. 
3. Was not done in accordance with the policies set out by Bank of America upon opening of the account. 

As of XX/XX/XXXX I have spent dozens of hours making hundreds of calls and emails to both the Arizona XXXX and Bank of America card services, and I have still not been able to retrieve any of the funds taken from my account on XX/XX/XXXX nearly 8 months prior. Nor have I received any explanation as to why my account was closed and my funds taken. 

This is a very large issue for me as I lost my job working in hospitality due to Covid and the loss of {$3500.00} represents a significant impact on my livelihood and ability to survive over the last 8 months. 

Bank of America has since issued a new card but has still NOT refunded the {$3500.00} taken from me on XX/XX/XXXX, nor have they been able to supply any reasoning or justification for why my money was taken to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: United PanAm Financial Corp.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over XXXX days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: KS

Complaint narrative:
Today,XX/XX/XXXX I found out that my mortgage company, Triad Financial, did not pay my property taxes out of my escrow account. I have called the company, sent an email, and tried to contact them via XXXX. They are not answering. This situation has affected about XXXX people or more in my manufactured home community. We are also not able to tag our cars since we now owe " delinquent '' property tax. The money is in my escrow account, I checked. I also spoke to XXXX XXXX XXXX  and they stated they faxed multiple times to Triad to pay these property taxes, and have not heard from them as of today. This company is not accounting their money correctly even on a monthly basis. They will state you are late even if you pay a few days early and then put the money into the incorrect sections of your account. Dealing with them over an issue on a monthly payment has become a " normal '' thing, and now this situation over the property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over XXXX days and I havent received any investigation 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 explanation
Consumer complaint received 2021-03-01 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: AES/PHEAA
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
We have refinanced our home on XX/XX/XXXX with " Better.com '' mortgage company. 
The mortgage terms include escrow for property taxes and insurance. 
They ( Better.com ) have serviced the mortgage with their servicing company called " XXXX XXXX XXXX ''. 
I was notified by Better.com that they have transferred my loan to a new mortgage company on XX/XX/XXXX. 
The new mortgage company is called " XXXX ''. 
The last payment to Better mortgage was automatically taken by " Better.com '' from my XXXX checking account on XX/XX/XXXX. 
I have received a letter from our town that the property taxes that were due on XXXX XXXX  were not received by them and that I am delinquent and that interest has started to accrue on the account. 
I called both mortgage servicing companies - the old one ( better.com ), and the new one XXXX XXXX XXXX. 
Better.com say that the it was the new company 's responsibility to pay the taxes, and they can't do anything about it. 
XXXX say that it was the previous company 's responsibility and that they can not do anything about it. 
I spent hors with them on the phone today, mostly waiting to be transferred to different departments. 
I can't understand how one company sells the loan to another, and both claim not to be responsible for the escrow payment to the town. 
Please help me, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: FL

Complaint narrative:
I have a wrong account " XXXX XXXX '' on my Experian credit report which declared as " Serious delinquency '', " Potentially Negative ''. I did submitted the dispute to the credit report company Experian twice but they responded that the account belongs to me. The account was opened on XX/XX/2017 in Texas. In the dispute I have provided all my information to the credit report company Experian and verified the addresses as well. But still the result came that the account belongs to me. I used to receive calls from a XXXX XXXX XXXX department named " XXXX '' for settlement XXXX calls I have notified them that " I'm not the right guy that you're calling ''. In the calls they took my date of birth and verified that I'm not the guy that account belongs to. but still the account resides on my Experian credit report. Please advise the next steps to eliminate this account from my credit report which is really hurting my score and other. Thank you your help would be much appreciated.

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 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: GA

Complaint narrative:
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns

Company response to consumer: Untimely response
Consumer complaint received 2021-03-01 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Number of errors on report. Addressed with CRA and resolved some. Score increased. Tried using XXXX product which had no affect. Website difficult to navigate. Recent report shows decrease in report by XXXX points. Attempted to discuss with customer service numerous times but no one can give me reason for decrease. All other agencies show credit score over XXXX points higher. Information on other reports same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XXXX or XXXX ( XX/XX/XXXX ) I engaged my mortgage lender about a mortgage deferment program due to the loss if income, and eventual loss of job, that I suffered due to Covid-19. They informed me that, due to demand, they would put me in the backlog of mortgage deferment program applications, and temporarily place in a forbearance plan until they could reveal their deferment program. 

Since then, I have called at least each month, and in many cases multiple times per month, to ask about the status of my deferrment plan. Each time I have been told that the derment plan is " in progress '', that they are " working on it '', and that the agent has " escalated '' the plan. 

To this date I have received zero communication from them. They have never called me back - I have always had to follow up, and progress through the entire phone tree, often taking 1 hour each call, just to finally speak to a loss mitigation specialist, who each time has zero information and repeats the same line without giving me any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Hello I would like to get my childs credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Hello, I have used PayPal for several years without issue. In the last 6 months I had a XXXX store that had used PayPal to transact hundreds of thousands of dollars. Covid had caused a damage to the economy and the sales. I had to begin refunding customers And needed to raise funds for chargebacks and refunds. I sold personal items in order to help customers and balance out the weight on my shoulders in taking care of things while maintaining a positive relationship with PayPal. When I sold the art for {$11000.00} dollars ( XXXX XXXX XXXX XXXX XXXX  my account was put on hold. The reason was because the account had disputes, but also because the amount for the single transaction was high. I submitted all required paper work and hoped for the best. At that point I could have refunded the customer and they could have wired me. I was assured things would be fine. 

PayPal locked my money, money meant to refund my customers. They put the money on hold and did not allow it to go to my customers. By doing so this resulted in dispute which resulted in fees charged by PayPal. These fees have now totaled more than what I even needed to refund to my customers. Had I been able to refund my customers I would not have had such high exorbitant fees and bills. My account went negative with PayPal. To continue to maintain the relationship I went further into debt hoping things would be ok. My mental health has suffered. I had to get a second job as a XXXX and worked XXXX  40 hours a week. I waited almost two months watching my balance go lower and lower. I called for help, asked them to at least apply the amount held ( now {$9000.00} ( XXXX XXXX dollars ) to the negative balance I have. ). Rather than helping me PayPal closed my account. They are now holding my money even longer, 180 days. If I am to suffer another 180 days of disputes and lack of refunds I will incur further debt and will have to take out more loans. I even started to fill out an application with PayPal for the XXXX sba loan, spent all day trying to do it to then have my accounts closed so the hope of relief again was taken away. 

This has caused a massive increase in debt during a difficult time. My mental health has suffered. Lack of sleep, a second job has caused me to suffer from episodes of crying and sever anxiety and stress. I have had to start seeing my therapist and taking time away from my children. My payment to my ex wife for child support and alimony have also suffered due to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: MS

Complaint narrative:
I have requested a method of verification from XXXX  TransUnion XXXX on 3 Collection account bureaus refuse to deliver the message it is my right the account has been sold and paid for sale of the vehicle and XXXX XXXX does not have me in their system the information is an accurate on my credit report and Bureaus refused to remove the information or send requested METHOD OF VERIFICATION. 
ITS ILLEGAL AND THEY ARE NIT IN COMPLIANCE.. 
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 2021-03-01 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  Inquired on XX/XX/XXXX, COMENITYCAPITALXXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation