vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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:
Hello! I used PayPal as a place for my tiny business and XXXX  streaming! My account was permanently limited and when I called them they told me there was no reason for it and to make another account and it should be fine! I then continued to make another account and that one was also limited so I made a business account called PayPal and they reassured me everything looked great on the account and not to worry and it was permanently banned AGAIN when I called I talked to a supervisor and they said they could do nothing and wouldnt give me a reason to why they banned my account and said it was irreversible! PayPal was a huge part of my life as silly as that sounds but I needed it for donations and other transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I graduated from college in XX/XX/2001 and my repayment began 6 months later. Over the past 20 years I have pretty much been on an Income Reduced payment plan with some periods of forbearance due to returning to school. I am a Federal employee and tried to get the civil servant forgiveness program. After giving the necessary paperwork I was informed that I didnt have enough time and needed to wait until I reached my 10 year service mark. I did just that. THEN I was told after 10 years service that I didnt have the " right loan ''. After 19 years past graduation I was told I had to get a different loan to qualify for the forgiveness ... so I got the loan they stated was needed. I called back and said ok ... I got the right loan and 10 years of service!! Then they tell me that the clock started over again!!! Are you kidding me?? I then inquired about something I read about loan forgiveness after 20 years ... .they said yes, that's true, but because you refinanced the clock started over. So, you're telling me that at 19 years post graduation you instructed me to refinance INSTEAD of instructing me to continue to pay for only 1 more year? This is shady business. When I retire in 10 years will I still have the same loan hanging over my head because you keep only giving bits and pieces of information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: IL

Complaint narrative:
I am distressed that Credit Bureau has included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. 
1. The status is incorrect for the following account. Balance is wrong. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Date of opening account is wrong. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: PA

Complaint narrative:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also please remove the following fraudulent inquiries : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
The mortgage was in my daughter and my name with my daughter being principal borrower. During the pandemic her business was shut down completely and in XX/XX/XXXX she received a grant from our county to cover the cost of the mortgage for a few months. The grant was sent directly to the mortgage company and was received on XX/XX/XXXX ( per mortgage company manager ). Due to an error on their part ( they transposed 2 numbers ) upon receipt in XX/XX/XXXX the mortgage was not credited to XXXX bill and therefore was more than 30 days late and was reported to credit bureau. When I called to research the issue I was told by a manager that they are very stern and make no exceptions and our credit scores could not be corrected.. ( My understanding from the government was that mortgage companies are supposed to work with us during the pandemic ) In addition when we paid off the mortgage in XX/XX/XXXX we were charged an additional PMI of {$150.00} after the loan was closed and paid off. When I inquired about the charge I was told they charge PMI in arrears and was told it was from when the loan started originally in XX/XX/XXXX and then the story changed and I was told it was from XX/XX/XXXX. 
I spoke with a manager of the company on XX/XX/XXXX requesting that our credit scores be corrected. She told me she would put in a request to the credit department and it could take 3-4 weeks for a response. I was told if I did not get a response by XX/XX/XXXX to call back. On XX/XX/XXXX I called back and was connected with a different manager. During the phone call she stated she was in contact with the other manager and had not yet had a response from the credit department. At that time I stated I was going to be contacting the XXXX  as well as CFPB to file complaints. The manager asked that I wait until Tuesday, XX/XX/XXXX for a response as Monday is their highest call volume. Today is Wednesday, XX/XX/XXXX and I have not yet had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my 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 non-monetary relief
Consumer complaint received 2021-06-30 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-06-30 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: NC

Complaint narrative:
I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have sent XXXX  an Identity Theft affidavit for the American Honda Finance reporting on my credit file. The balance on the account is {$6800.00} I have sent American Honda Finance and also XXXX  a copy of my Identity theft affidavit back in 2020. They were suppose to block the account and they failed me as a consumer, Also according to 15 USC 1681 ( d ) Investigative consumer report. XXXX  AND HONDA FINANCIAL FAILED ME AS A CONSUMER AND STATED EVERYTHING WAS VERIFIED when either of them failed to do their full job according to what congress states in 15 USC 1681 ( D ) I AM DEMANDING AMERICAN HONDA FINANCE BE REMOVED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
In XX/XX/XXXX, I accepted a transfer offer from Juniper  ( Barclays ) to pay off my XXXX XXXX card and asked for {$1200.00} to be sent to XXXX  / XXXX to pay against my balance. 

On XX/XX/XXXX I contacted Juniper as the transfer to XXXX had not been made. A web response from Juniper claimed the transfer of {$1200.00} was " completed. '' and that it could take 7-10 days to show up. 

I called Juniper numerous times, only to be put on hold for 20-30 minutes, and the phone cut off. 

In XX/XX/XXXX, the transfer still not made, I spoke to a representative who said the account number for the XXXX card was incorrect, so payment could not be made! Why did no one notify me? If the money was sent back due to a wrong account, why didn't Barclays correct this. They did NOTHING. I was told a " special team '' would investigate and get back with me, and Case ID XXXX was assigned. 

When no response was received, I called on XX/XX/XXXX, and with insistence, I was finally put through to a " specialist '' who then put me on hold for over 20 minutes, and the phone cut off. Note - each time I called, and was hung up on, no one ever called me back. 

I web messaged Juniper on XX/XX/XXXX, gave the above facts, and received a web reply saying the investigation could take up to 25 days. 

In a letter dated XX/XX/XXXX ( over one month since the transfer had be completed as Barclays told me ), Barclays now tells me the investigation can be up to 60 days, and maybe resolved in my " favor '' or not in my " favor. '' What does this mean? Where did the money go? 

I implored Juniper to pay off XXXX while they were investigating, but that request was ignored. So, as I explained to each representative I spoke with, I am paying now for TWO credit cards, incurring a fee from Barclay 's that never occurred, and paying interest on the XXXX card that should have been paid off by Barclays. 

I deserve to know why, when the transfer did not go through, did Juniper not take action to correct that and pay off XXXX? Where did the money go, and why wouldn't Juniper  account for that. 

I want Juniper  to refund my transfer fee and the interest I have incurred from paying XXXX balance fees during this time, and mainly I want them to immediately transfer the money to XXXX to have it paid off. 

I am a lawyer, and I want answers, something is wrong at Juniper, and I am entitled to know what they know. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: IL

Complaint narrative:
I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my 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 2021-06-30 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: IL

Complaint narrative:
I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I got a call today from Credit Control Corporation, phone number ( XXXX ) XXXX, but the caller did not leave a message. I called them back and the person who picked up the phone didn't give me any details. She simply asked me for my Full Name, Date of Birth and Full Social Security Number. I told her that I didn't want to disclose my personal information. 
She then threated me with garnishments or arrest if I didnt disclose my personal information and pay my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
I received a notice in the mail my escrow was too low, giving me the option to send in a lump sum to keep the escrow payment as it currently was, or another option to raise my escrow payments over the next 12 months to correct the balance. I opted to make the lump sum payment. It's now been 2 months since I made this payment but my escrow payments went up anyways as if I hadn't sent in the extra money. 

The real issue here though is the fact that I can not contact the company to amend my escrow payments. The company does not offer ANY way to contact customer service for an existing mortgage. The phone number given here, https : XXXX/www3.mtb.com/homepage/explore-the-m-and-t-bank-help-center/mandt-bank-phone-numbers-by-department/telephone-directory, XXXX does not offer a way to contact a real person to resolve this, and all other list departments tell me they do not have the ability to forward my call to someone relevant.

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 2021-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSNXXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-06-30 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation