vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
After a having a look at my recent credit report I noticed that XX/XX/XXXX, EQUIFAX &XX/XX/XXXX are reporting I was late paying my XXXX credit card ( XXXX - Card Service ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card ( XXXX  ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: PA

Complaint narrative:
After a having a look at my recent credit report I noticed thatXX/XX/XXXX, XX/XX/XXXX & EXPERIAN are reporting I was late paying my XXXX credit card ( XXXX - XXXX XXXX ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card (XX/XX/XXXX ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities

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 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a XX/XX/XXXX with a PayPal business account for the last 4 years. Due to COVID-19, a number ofXX/XX/XXXX business owners started requesting our website services but business was lost when we recommended PayPal because it was extremely difficult to receive their PayPal funds to theirXX/XX/XXXX bank account. 

In an effort to boost website sales, my business started offering a new service to other XX/XX/XXXXwhich allowed them to convert their PayPal funds toXX/XX/XXXXdollars. How this works is that they would request an amount and we would send them a PayPal invoice for said amount. Once paid, we would withdraw the funds to our XX/XX/XXXX account and send it to their XX/XX/XXXX bank account. 

After three months of running this successful service, PayPal asked for a review of our account due to the spike in revenue. We explained everything to them and withheld no information from them. We have attached the letter we sent to them. We also sent all bank statements as they requested. A day later, our account was permanently limited and our funds in the account were blocked from being withdrawn for the next 6 months. 

We were given no explanation apart from this message : " After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. 
If you have funds in your PayPal balance, well hold it for up to 180 days. After that period, well email you with information on how to access your funds. 
We regret any inconvenience this may cause. '' There is no way to contact them - we have tried contacting them via their website, social media and phone numbers. They will not respond. 

In our research, we have seen in the PayPal community where persons have stated that after the 180 days, PayPal has not released their funds and they still could not get in contact with PayPal. Some even stated along with screenshots that PayPal took payments from their account without their consent. 

I am requesting : 1 ) A review of PayPal 's terms which blocked us from the service we began to offer three months ago - and an explanation ( at the very least ) of why this went against their user agreements. 
2 ) Redress in the form of receiving our hard-earned funds that are now stuck in our account for the next 6 months 3 ) A lifting of the permanent limit on our accountso that we can use our account again. 

It is important to note that we have now also lost the capability to do business with our original website business because the entire account has been permanently limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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
State: NJ

Complaint narrative:
Account permanently limited without explanation. Funds, including BitCoin being held for 180 days. 

On XX/XX/2021 I received an email notification that my PayPal account has been permanently limited without explanation. I have been a customer for well over 12 years without any issues or disputes. Included in my funds is {$310.00} and an amount held in BitCoin, which at the time of this writing is {$85.00}. A service which PayPal offers. I am unable to sell my holdings in BitCoin as my account is now limited. 
I'm disappointed in my loss of account as I use PayPal frequently. I understand I should receive my funds after 180 days, however, I am greatly concerned in losing the ability to sell my holdings. If the price of BitCoin drops, I will have no way to sell which could lead to a loss of money. 
Account ID : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of 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 2021-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This isn't from a store. It's from a bank called fifth Third Bank. 
During the Pandemic, I am on unemployment and collect a partial retirement check. Now this amount has not changed for approximately a year. The unemployment is XXXX every two weeks and my partial retirement is XXXX. Unfortunately, my bill also has not changed. Therefore, on a regular basis I was borrowing money to meet my financial needs. 

Therefore, I applied and was approved to receive XXXX dollars in advance of which I have to pay back. This is unfortunate and since the pandemic an on going situation. Therefore, when I receive my XXXX it automatically goes my " XXXX XXXX XXXX XXXX ''. Therefore, they deduct XXXX from the XXXX that I owe. which leaves me with a balance of XXXX. Now, what I normally do is borrow the XXXX back to add to my checking account. Then can use my unemployment to pay bills. 

Unfortunately and periodically, they would change the amount that I can borrow. They would bring it down to XXXX. Therefore, when I get my usual unemployment money they still have the outstanding amount XXXX. Which would then be deducted from the XXXX unemployment amount. Which will leave me the usual amount XXXX. But, they will add XXXX plus XXXX to equal XXXX which my new balance. Then would calculate that I would not be able to receive back my usual amount of XXXX. Instead, I can only borrow XXXX. Therefore, I am out of XXXX. This money is badly needed to pay my bills. 

So what's the problem? 

1. I regularly receive the same amount each month. So, why is this bank periodically changing the amount I can borrow? If my income was fluctuating then I can see the fluctuating approval amount. But, I still receive XXXX every two weeks and XXXX once a month. 
2. They automatically take my money and hold it for two days before it's credited to my account. If the money comes on a Friday I usually have to wait until next week Wednesday or Thursday before I see my money in XXXX XXXX Account to borrow XXXX 

3. When they lower the amount that I can borrow, what happens to the rest of the money? I get no statement showing where that money went. It just disappears. I have lost a lot of money and no accountability to what happened to this money. 

4. I have no control of my money once it hits this bank. I would like to have a payment plan to periodically pay off this loan. Instead, all my income is pulled and some of it I can borrow. 

Fifth Third Bank Address : XXXX XXXX XXXX, XXXX Fl XXXX Head Loan coordinator XXXX XXXX email XXXX 53.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MN

Complaint narrative:
This complaint is regarding Amerisave. My husband and I applied to refinance our home with them around beginning of XXXX of last year. I've given all the documents they asked me to provide for 4 months. All most 95 different documents. My husband and I own our businesses and we are self employed for which every year tax returns were provided as well. Finally, the loan office sent me an email in XXXX saying that my loan has been approved and I'll be working with another person to close the loan. They also mentioned that the loan needs to be restructured as a 20 year loan instead of a 15 year loan which we originally applied for due to our income. we agreed to that and restructured it as a 20 year loan. It was extremely difficult to contact either one of them for so long. They kept sending me closing disclosures again and again but closing was never set. To top it off, they pulled our credit again in XXXX without even notifying me. There was no answer from them when I asked how they can pull my credit again without my consent. After more than 5 months of struggle when I questioned whether they're closing the loan or not, they completely back tracked and said they are still working on approving the loan when it was actually approved in XXXX. Now after 6 months of back and forth with the company today they said that our Income to debt ratio is high and they can not approve the loan. Our financial situation did not change in this 6 months in any way. We have about 28 years of credit history with no late payments. I don't mind if they would have said that they can not approve the loan 5 months ago. But they wasted 6 months of my time and giving misleading information by saying the loan has been approved and then back tracking again. I have proof of all the emails with the information and also proof that how difficult it was to contact them. In several of my emails and calls I requested so many times to talk to a manager but never could get one on the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
Prestige Financial Services is reporting 3 inaccurate late payments XXXX XXXX XX/XX/2018 to my XX/XX/XXXX credit report. Ive disputed the inaccurate information with Bank statement to XX/XX/XXXX no luck they wont delete them even wit my bank statements showing I made the payments. Ive reached out to Prestige Financial Services numerous times with no luck getting this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a {$15000.00} payment and specified it was to go towards loan XXXX. I was notified several days later it was declined due to " invalid account number '' for the XXXX account. 

On XXXX I made a {$15000.00} payment again that was accepted using same account number for the XXXX account and specified it was for loan XXXX. This was applied incorrectly. and Navient split my payment from XXXX into {$6400.00} for loan XXXX and {$8500.00} for loan XXXX. Never did I give that direction. 

On XXXX I made another {$15000.00} payment using XXXX account and it was accepted. I specified each and every time that the payments were to credited towards loan XXXX, do not break apart, in half or otherwise. This seemed to have been made correctly. 

In order to pay off loan XXXX, on XXXX I looked up the payoff amount and was shown a balance of {$190.00} was due. Using my XXXX XXXX account ( which I have had and used before for at least 10 years XXXX, I made the final {$190.00} payment. Again, I was told the payment was declined due to " invalid account number ''. So, I went back online, looked at the balance due which was now {$190.00} and again made a payment again towards loan XXXX that was now applied incorrectly, when Navient split the payment again, applying only {$95.00} to the XXXX loan and putting {$98.00} toward loan XXXX. 

Today is XX/XX/XXXX and I am told within 3-4 days the loan will be applied correctly and a letter will go out within 20 days confirming loan XXXX is paid off. The same information I was given on XXXX and it was never done, with my payments broken apart to make sure both loans stay active despite my explicit direction and attempt to pay off one of the loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I have been charged a {$40.00} fee every month and when inquired with the company the provide no answer or explanation. I have gotten it was for a late payment in XXXX of 2020. If that is the case it would be paid the first month and then gone off our statement. I have spoken to many employees to no avail. And now they have not returned our calls. I just submitted a written inquiry in regards to it as well. We have now paid 11 months of fees with no explanation of said fees

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 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing XXXX XXXX XXXX XXXX, Transunion, and XXXX. I just want to know why XXXX XXXX XXXX XXXX Labels every complaint and request from the Consumer Financial Protection Bureau as duplicate. I will continue until I receive an answer. AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXXXXXX XXXX XXXX  be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX  to explain why every complaint and request sent to XXXX XXXXXXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX  XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in XXXX that led to a fraudulent auto loan.

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 2021-01-12 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: Paramount Capital Group, Inc.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report.

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report. 
On XX/XX/XXXX, PARAMOUNT CAPITAL GROUP add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I informed Experian small business that my file contained incorrect and wrong information. I submitted this 2 x in XXXX online with their reporting system to update the information. I sent a registered letter on XX/XX/XXXX to one of the incorrect accounts asking for verification. To this date there has been no verification. I informed Experian via phone call and then on XX/XX/XXXX I filed a formal complaint with Experian. BIN is XXXX. The case number is XXXX. It has been over 120 days that I have been trying to get Experian to correct simple information and they have taken no action. On the website it states that my case is still pending assignment to an agent. It has said this for over 60 days now. They have had ample time to deal with this and they continue to report incorrect and false information.

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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN

Complaint narrative:
I had a modification in place and was paying forced insurance and when I added my own it did not subtract the forced insurance amount from my monthly bill and now that the modification is at an end they raised my mortgage from XXXX to XXXX and I just got a letter saying it is going up to XXXX a month starting in XXXX my taxes and insurance is included in payment and always has been so I don't understand why it keeps going up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. Which is affecting me in various way and making it difficult for me to get a property. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, JPMCB - AUTO/XX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation