vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
I transferred {$49000.00} from my old savings account into my Schwab account. For no reason, Schwab has indefinitely frozen my account, despite multiple hours on the phone with their customer services, and many different forms of identity authorization ( I've given them my SSN, the correct answers to my security questions, the correct balance in my account, and the correct answers to multiple public records quizzes ). They claim they can't see why my account was frozen. They also say they can only reach their internal investigators via email. No one can help me and now I can not access a large portion of my savings. My money is being held XXXX, for no reason, and without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I had a $ XXXX XXXX newspaper subscription, that I ended in XXXX, drawing from my Barclaycard Rewards Mastercard. I had auto-pay set up, such that any bills to my credit card should have been automatically paid for from my debit card account at Oregon XXXX XXXX XXXX XXXX as had happened for over a year. This did not happen starting in XXXX, and the {$4.00} subscription cost snowballed into a {$90.00} credit card balance, due to late fees, which I only realized when I was sent a notice in XXXX that my account was being closed. A {$4.00} late fee was charged XX/XX/XXXX, {$12.00} late fee charged XX/XX/XXXX, {$25.00} late fee charged XX/XX/XXXX, and a {$40.00} late fee charged XX/XX/XXXX, in addition to {$0.00} " minimum charges '' each month starting in XXXX. I spoke to a Barclays customer service agent ( XX/XX/XXXX ). He told me that Barclays had made some kind of systems change, in XXXX I think, that resulted in a number of customers being taken off of auto-pay without their knowing, and with Barclays unable XXXX tell who had had auto-pay. He acknowledged that it was not my fault and thus removed all the late fees. I pressed him to remove the interest charged as well, which he said he did, such that I would have a XXXX balance after paying {$8.00} for the newspaper subscription ( now I'm not sure why I should have payed more that the {$4.00} for the XXXX newspaper subscription ). He told me he couldn't do anything about the lateness having already been reported to the credit bureau, but gave me their address for me to mail a complaint to. When I logged in Monday XX/XX/XXXX, it appeared I still owed {$90.00} due in XXXX, and also that I had a balance of {$2.00} due now. I called back and they said I know longer owed the {$90.00} but did owe {$2.00}, which they removed on account of that being from interest that shouldn't have been charged. They said they could NOT re-open my account without me reapplying. My complaint is on behalf of all the other auto-pay subscribers who were taken off auto-pay and charged late fees, and because I'm concerned about how this may continue to affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and i found outdated and incorrect information. I am attaching a letter for my profile to be updated correctly. My family has a lot of like information and I am concerned thst my credit report is being merged with someone else 's.

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 2021-11-29 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: KY

Complaint narrative:
1.I am from XXXX KY XXXX I noticed some unauthorized transactions from my Bank of America credit card starting from XX/XX/2021 to XX/XX/2021 in XX/XX/2021. The total amount is {$1500.00}. I immediately called the Bank of America credit card fraud department to report the fraud claims on my credit card. They agreed to give temporal credit to my account and do further investigation. After XXXX week, BOA credit card company mailed me some forms about this issue. I filled out and sent the forms back. 
2. BOA credit card fraud department sent me a letter denied the fraud claims in XX/XX/2021. The reason was because the fraud transactions were repeat charges. They were apparently telling lies because I never purchased anything from XXXX store, XXXX XXXX, XXXX. XXXX XXXX, and XXXX XXXX XXXX MN and etc. So, I called the BOA fraud department again. They asked me to collect some details on the purchase transactions ( that was supposed to be done by its own fraud investigation team ) and agreed to re-open the case. 
3. I made lots calls about the fraud purchases and mailed back the details I collected from the stores or companies. XXXX month later, BOA denied again and said I authorized somebody to use my card. I felt insulted by BOA 's irresponsible remarks. To tell the truth, I have no idea and don't know any of those names and addresses. 
4. I went to local BOA branch in XXXX, KY. When the associate carefully examined the materials I provided and affirmed that those purchases were made by some unauthorized person. He also helped me faxed all the evidence to BOA fraud department. But I received the mail from BOA stated their decisions remains the same and unable to credit my account. Ironically, this time they denied the dispute for no reason. 
I am so angry and disappointed at BOA. Would you please help me with this issue? Thanks.

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 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
on XX/XX/XXXX my PayPal business account was limited. Paypal sent me an email on this day stating that my funds would be held for 180 days. After 180 days were up, my money would be released. This did not happen. Instead, on XXXX XXXX, XXXX, PayPal ILLEGALLY withdrew my money from my account into theirs. This is XXXX!! The transaction ID is XXXX. The amount XXXX by PayPal is {$1200.00} USD. 
This is an XXXX and XXXX business practice not to mention it is illegal to XXXX! I want my full amount owed deposited into my bank account right away. PayPal needs to be held accountable. I am also joining a class action lawsuit. This is a known issue that PayPal has been doing illegally to its customers. There is evidence of Class actions online. All i had to do was XXXX " paypal XXXX my money after 180 days ''. I suggest you do the same. You will see others in my exact same situation. PayPal needs to be fined ad XXXX XXXX  brought against them. I will provide any thing needed to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in XXXX days. It has now been XXXX days and no response

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
someone used my social security number to open an account at navy federal credit union online

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: VA

Complaint narrative:
I sent in a dispute dated XX/XX/2021 I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Equifax still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquiries from my consumer report. I understand that Equifax has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Equifax is attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report Equifax also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Equifax did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with Equifax and i have been disregard

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters directly to the companies reporting the inaccurate information on my credit profile on XX/XX/21

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters directly to the companies reporting the inaccurate information on my credit profile on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for COVID relief for my home mortgage in XXXX. At the same time my ex-husband, who is still on the mortgage filed for bankruptcy. I have been working wilth the Wells Fargo Preservation Group since XX/XX/XXXX to get the modification and getting my ex off the loan. 
I have been making all the loan payments since our divorce XXXX years ago. I signed and notarized an FHA Covid loan agreement on XX/XX/XXXX with a banker from Wells Fargo. I have been making the adjusted payment every month and today I have received a letter from Wells Fargo that they are foreclosing on my home. 

I have done everything that they have asked me to do. I have tried to email my home preservation assistants ( there have been at least XXXX different ones ) and I have not heard back from him since XX/XX/XXXX. I am so scared of losing my home because of Wells Fargo 's ineptitude and horrible customer service.

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 2021-11-29 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: GA

Complaint narrative:
On XX/XX/2021 XXXX p.m. I spoke with XXXX different representatives at Transunion regarding the incorrect information being for the last XXXX months. I spoke with XXXX XXXX regarding the inaccurate and fraudulent information being reported. Transunion sent the pin number to my personal credit report to the wrong address even though I have sent them certified letters ( most recent certified letter sent XX/XX/2021 ) to correct my information that included my personal information. to verify who I am. I was told in order for me to receive a pin number that I have to resend all the information that I just sent to verify who I am because it wasn't processed and lost. I sat on the telephone for more than an hour to get this information corrected in addition to recording the entire conversation. Why would they create a law and statue for credit reports that aren't obligated to follow? They clearly broke the law, failed to update my information and lose the personal information that I sent through certified mail.

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 2021-11-29 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: IL

Complaint narrative:
I recently checked my credit report and noticed inaccurate and fraud information on my credit report. I have called and disputed the information on my credit report and has provided proof. XXXX, Equifax and XXXX are reporting inaccurate and untrue accounts on my credit report. I called each company and the companies referred me to file a dispute with the credit bureaus. The accounts that needs to be REMOVED AND DELETED are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The second account is XXXX XXXX XXXX account # XXXX. I have never authorized these companies to obtain my information. I never signed and agreements with these companies for services, or goods. I was told to submit my FTC identity theft report along with proof of my identification and address. I followed through with all the steps to prove these accounts are fraudulent and I have never authorized these companies to obtain my credit information. I am unsure how they received my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: GA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I recently reviewed my three credit reports for the first time in years. All three show a collection against me by a company known as : MRS BPO. they are attempting to collect a debt from me from XXXX XXXX in the amount of {$1800.00}. First, I have never been contacted by either MRS BPO nor XXXX Mobility by mail, phone or otherwise. Second, I have never had an account with XXXX XXXX. XXXX calls from me to MRS BPO resulted in them just trying to get me to settle. I asked for proof of this debt, they can't! I file disputes with all three credit bureaus, and was declined, apparently due to lack of cooperation by MRS BPO. Their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Phone # : XXXX or XXXX. My acct # XXXX. This is someone else 's account, not mine nor any family member 's. Thank You. Possible identity theft?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite several disputes to the credit reporting agencies, XXXX XXXX continues to report an account that should have removed years ago. The entry- under account number XXXX- was opened on XX/XX/XXXX and subsequently closed on XX/XX/XXXX. While the account was closed in a negative status, it should have been removed almost XXXX year ago. My complaints have fallen on deaf ears.

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