vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 ACCOUNTS XXXX XXXX  4 ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON XXXX XXXX AND EXPERIAN I WAS UNABLE TO GET 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 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/2021, my online borrower portal showed my H1 property taxes were deducted from my escrow account and sent to XXXX XXXX XXXX. XXXX XXXX XXXX generates records of receipts and taxes paid online. I waited 2.5 weeks for a receipt to update in XXXX XXXX XXXX websites. After waiting ample amount of time, I checked with BSI financial for the state of the payment. They had no even bothered to check whether their check arrived or was cashed, although, that is an explicit duty of the escrow account. 

On XX/XX/2021 I called BSI Financial again to follow up, since no one got back to me on Monday when BSI said they'd check in with their tax department. They didn't even keep track of the fact that I confirmed the XXXX XXXX address with another rep over the weekend. No one called me back at the end of the day on XX/XX/2021 as they said they would. I called back on the evening of XX/XX/2021 at XXXX XXXX to follow up, and a rep then informed me that a payment was sent out by Priority Mail that morning. There was no explanation of why the initial payment had failed, no details of whether the check was cashed, nothing. 

There are more reports on Consumer Affairs saying ghost transactions are generated in the borrower portal to create the illusion that a payment is sent out ; however, the counties will report taxes overdue and taxes unpaid. I believe something sinister is happening with this servicer. They have no depth of record on what the initial checks and transactions are. When I asked to speak to a supervisor, I was hung up on. No one called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had talked to chase bank in XX/XX/2020, they keep charging me XXXX fee every month. The account has a XXXX balance, so they started to take money out of my wifes account which went below the banks minimum requirement and then they started charging her an overdraft fee. No one called us to let us know what is happening, the last time I talked to the bank I had told them to close my account if they are going to keep charging me fees. They did not close it. 
They refunded me 4 months of fee when I talked to them today, but I dont understand how they can keep charging a fee when the account balance is XXXX. Who ever looks at an account that has no balance. 
I need them to refund all the late fees and overdraft fees they charge me. And also refund all the monies in my wifes account. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to purchase a dog through a website at XXXX and it was fraud. When communicating with the guy who was selling the dog he told me the dog was XXXX. He told me to purchase the dog I need to make a payment through XXXX. After I made the payment he told me the dog will be delivered the next day. The next day I received an email saying he needs more money for a " special '' crate otherwise I cant get the dog. He told me the special crate ranges from XXXX - XXXX. I told him he's lying and that this is fraud. When I called chase on XX/XX/2021 explained to them that the purchase for XXXX was fraud chase said theres nothing they can do. I called my local police department regarding this and they told me to contact my bank to let them know this was fraud. I have also reported this incident to the Federal Trade Commissions. Not to mention the website is gone and the guy I was dealing with is no longer responding to me. Additionally, I have called XXXX to let them know that the XXXX transaction was FRAUD, XXXX told me to contact my bank to dispute the transaction. I called Chase again on XX/XX/2021 explaining the situation AGAIN and that XXXX told me to contact them about this. Chase response was " There's nothing we can do, you authorized the transaction ''. Here I am being honest telling Chase this is fraud and they keep telling me " theres nothing they can do ''. Nice company!!! I asked Chase why didnt they contact me knowing that an XXXX dollar charge in my checking account went through which chase approved. Chase 's response was " We are not going to verify every transaction on your account ''. Ok but if a tranasaction for over XXXX that was done through XXXX taken out of my checking account shouldnt Chase question it???? I was involved in Fraud and all Chase is saying is THERES NOTHING THEY CAN DO. This was fraud!!! I am asking for Chase to put the XXXX back into my account considering this was FRAUD. 
I have the emails, a phone number, and text messages that were between me and the guy that was selling the dog.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I fell victim to an online scam. I did not know that it was free to apply for an EIN number with the IRS so I filed it on a website that appeared to be the IRS and was charged a {$240.00} filing fee. After the fact, I learned that its free to file on the IRS website so I contacted them on XX/XX/XXXX and asked for a refund. I was offered {$200.00} of my money back and I said no I want a full refund, she said she would talk to her manager. After talking to her, she then sent me an email saying she would forward my refund request over to the manager. We got an email and a text message later that night stating that I was refunded the full {$240.00}. I have the email from the business stating that I was refunded for my order. Four days after receiving the refund on XX/XX/XXXX we get an email to our business email address from Caine and Weiner collections agency in Texas. The business who frauded me out the {$240.00} ( XXXX XXXX XXXX XXXX ) is now coming after us for the money they refunded plus fees to the tune of {$370.00}. This original business never once contacted us to get the money back that was settled, they went straight to a collections agency for a debt not even owed. I have a screenshot of my bank statement as the charge was pending on my account. They ended up canceling the charge while pending so it dropped off my bank charges, but I have the screenshot with proof that it was originally paid and the proof via email from them that it was willingly refunded. The collections agency is now coming after us over a debt that doesnt even exist. I am stopping all contacts after sending them an email demanding a physical copy of the debt that is owed and proof that they are a legitimate collections agency. Once I get that letter I will send back all of my proof that this is a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm attempting to unfreeze my credit through Equifax. 3 days ago, on Sunday XX/XX/XXXX, I unfroze my credit through Equifax 's online portal. I got the confirmation on the screen to show the lender I was with. 

Today, I received a call from the lender that the freeze is still on my account. I tried to unfreeze it using their online system, but it isn't working. When I called the number on the site, the customer support employees said that the site was down and was unable to fulfill my request. Or help me. 

This is unacceptable for one of the three major credit bureaus can't unfreeze my account. Or that their site can be down for any length of time. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
DSNB MACYS this account has charge-off status and yet there is a past due balance on your report. I have requested debt validation and Macys have failed to comply on several occasions. 

All Listed accounts on my attached dispute have failed to provide debt validations since XX/XX/2020.

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 2021-04-28 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: TN

Complaint narrative:
There are alleged accounts on my credit report that I didn't recognize. I am demanding a removal of it Pursuant FCRA XXXX XXXX Account no : XXXX XXXX Account no : XXXX XXXX XXXXXXXX XXXX Account no : XXXX XXXX XXXXXXXX XXXX  Account no : XXXX XXXX XXXX XXXX Account no : XXXX XXXX XXXX XXXX # 1 Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX XXXX Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XX/XX/21 Ran credit report on myself to check credit score. 2 revolving credit cards were listed on the report which are not my accounts. I reported the disputes to credit bureaus : XXXX, XXXX XXXX and XXXX. I spoke with both creditors to verify these are not my accounts. One of these accounts was removed from my credit report as it was deemed to not be my account. The other creditor claims that the information they reported to the credit bureau was accurate and it is my account. This is NOT my account!! 
The creditor is CBNA ( CitiBank North American ) It is a Sears revolving credit with a balance of {$19000.00}. This is not my account and has effected my credit standing. This is my report from credit bureau XXXX : Remains CBNA Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I am very upset that this is on my credit report and would like to complain that this Company is not resolving this issue. I need to know what to do next.

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 2021-04-28 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 ACCOUNTS XXXX XXXX 4 ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON TRANS UNION AND XXXX I WAS UNABLE TO GET 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 2021-04-28 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 recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 XXXX XXXX XXXX 4 ACCOUNTS FROM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON XXXX XXXX AND XXXX I WAS UNABLE TO GET EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
The collection is unknown and no documentation was provided. I keep getting harassing phone calls and mail. Attempted to settle and resolve and lawsuit was filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX reaches out for validation they respond that all information is correct and continue to update the account on my 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 2021-04-28 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: TX

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I have provided all the letters that I've sent for resolutions

Company response to consumer: Closed with explanation