vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have opened new savings and checking account using online promotional offer run by TD bank. Here : https : XXXX I had satisfied all requirements to qualify and also ask for email confirmation from TD bank by emails. Now TD bank saying I open through mailer they sent on my address but I didnt used that mailer I used above link to open account. 

Please call me for more information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: FL

Complaint narrative:
I have been trying to get into an old cash app acount of mine. I no longer have access to tge email or phone number linked to the account so i reached out to customer support now for weeks and i continue to get the same answer which is and i quote, for securiry reasons we can not give you access to this account. I have the cashcard, i have sent a copy of my drivers license, gave them addresses, my social, dob and everything but still thats the answer i get. To make the matter even worse the last 2 stimulus checks have been deposited into said account and i cant even touch it now so tgese people have rougly XXXX  dollars of my money and will not let me have access to it. The reason i no longer have access to the email or number linked to the account is due to the fact that i was in a very violent relationship where i was almost XXXX  and he changed all my passwords to everything. He is finally in prison so i dont have to hide anymore and tgis account is the most important account i need due to tge fact of all the money thats in it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I fear I am the victim of discrimination by the American Express corporation. I received a promotional offer on my account to upgrade from their Hilton Surpass to their Hilton XXXX card, yet when I accepted their offer they informed me that the offer was not valid. Their response is very obtuse, puzzlingly alluding to some vague, unspecified issue that they claim may or may not have impacted my account. Amex asked me to be patient while they researched this issue, as you'll see in their correspondence to me from XX/XX/2021 ( copy attached ), but over six more weeks have passed and I still do not have resolution to my concerns. Further, overwhelming evidence is amassing on various consumer websites suggesting, strongly, that other Amex customers encountered the same issue yet were upgraded, given preferential treatment for not complaining to the XXXX  or CFPB. I have a perfect payment record with Amex and am sickened and repulsed by their callous, dismissive treatment. I ask that you launch an aggressive investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: NY

Complaint narrative:
I asked for a copy of my credit report for tax purposes. The company immediately dropped my credit score by XXXX points. I called and was told that nobody except me made an inquiry. I was then told that they had no evidence of my inquiry. I then went to the website and was charged {$27.00} for services I had not requested. These actions are negatively effecting my financial transactions. I know that requesting a copy of a credit report is not supposed to reflect a credit score. It did. No one person I spoke with could respond to my question. What recourse do I have?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: OR

Complaint narrative:
On XX/XX/21 my HR department reported to me a false unemployment claim has been filed using my credentials. I reported the fraud and was told to freeze all my credit reports. It worked find for XXXX  and XXXX. However, for 4 days now I have not been able to reach Equifax, despite repeated attempts to login, I kept being referred to their Customer Care phone number ( XXXX ) and others. During my last attempt, instead of waiting until they hung up, I opted to have them call me back. After several business hours I was never called back. Needless to say, I'm very concerned and find this unacceptable behavior and service from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: NY

Complaint narrative:
on XX/XX/2021 XX/XX/2021 and XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I entered into a person loan with XXXX XXXX for {$15000.00}. Due to being diagnosed with Covid 19 in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was hospitized, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by XXXX XXXX on this loan. When I was well enough, I contacted XXXX XXXX and notified them of my near death health issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted XXXX again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings I have been patient with the credit bureaus yet they keep breaking the law. As of XX/XX/2021 I have sent letters out to dispute items that I truly believe are not mine and yet these companies say that they are accurate without proof. How much longer can they play this game?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
According to emails from XXXX reps, a refund was supposedly issued for purchase made on XX/XX/XXXX, the amount of {$350.00}, has not posted to my XXXX account to date. The last email from XXXX rep, XXXX, on XX/XX/XXXX states refund was issued to prior card ending in XXXX. It is now XX/XX/XXXX and has not posted. Prior to this, I emailed rep in fraud/disputes by the name of XXXX XXXX, she was explained the above and emails from XXXX were forwarded on to her. Never the less, she placed charge back on to account, refused to review emails and or assist with dispute any further. This issued was detailed in prior CFPB complaints, still unresolved, last complaint was marked as duplicate to avoid addressing it and attached screen shots of emails from XXXX reps. I suspect rep replying on behalf of XXXX  aka Continental Finance will also mark this complaint as duplicate, if so, I request CFPB investigate the bank for this behavior. I have attached screen shot of XXXX email showing refund

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I moved out of my apartment in XX/XX/2018 and they told me if I pay them rent for the month they will be good. I left. Never got a notice or anything they promise me my deposit and they took all XXXX XXXX the XXXX $ for rent and then they hit my credit without NO KNOWLEDGE OF ANYTHING. I called numerous times been hung up on left on hold and told horrible things. This is not fair and is harassment. I do not owe these peoples money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear to Whom It May Concerns, This account is paid in full, and I need it to reflect on my credit reports As soon as possible. It is the job of the credit bureaus to make sure consumers accounts are up-to-date and accurate. This account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Mortgage company paid property taxes to wrong APN/property. They then refused to refund the money to our account, and then increased our payment. They are now saying we are late on our payments, and sending forclosure letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MO

Complaint narrative:
on XXXX I sent certified letters to credit reporting companies XXXX XXXX, equifax, and XXXX. I have been patient and even tried to call multiple times but still no answers or emails. I have seen on y credit that I have items hat are not mines and wanted to get them removed. I understand covid is taking longer process but it has been over 60 days and I would like the negative false items deleted so I can move forward with my life thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted 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 explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I reached out to AFNI, INC. to request a contract or a an agreement in regards to the debt that they're trying to collect.. because I've never had a contract nor an agreement with them. They have not contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Through PayPal I received a payment and initialized transfer to bank. Their standard procedure is up to 72 hours for review. After 72 hours they sent an email saying the payment was going into my bank account. Instead of sending to my bank account they moved it back into the PayPal. I had to re-request it to be sent to my bank account and wait another 72 hours ( in which they will keep this cycle going ). This is at least my 5th time dealing with PayPal with a similar issue across two accounts, one of which they held my money for 180 days. Calling customer service to talk to a representative takes hours, with the majority of the time them disconnecting the call or transferring you then disconnecting you. The absolute worst company I have ever dealt with and I am beyond tired of them holding people 's money like ransom so they can gain interest on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened an account with Citi using the promotional code XXXX on XX/XX/20. I met the requirement to deposit {$15000.00} into the account within 30 days, and maintained that amount for the required 60 days. Citi has not credited my account the {$400.00} promotional amount within the terms specified in the sign up bonus terms, and when I inquired they stated I needed to have opened a second account and link it to qualify. I met all conditions of the sign-up bonus ( deposit {$15000.00}, do so within 30 days, and maintain that balance for 60 days ), which they agree that I did. As such, I would ask they be made to honor their end of the bargain, as I have left my money tied up with them for essentially no interest with the understanding I would be earning {$400.00} for signing up for the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to get them all to delete my personal information. I don't want anything to do with for profit agencies that sell my information and are subject to massive security breaches. We should have the option to do business with such agencies and the right to consent to them possessing sensitive data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, while reviewing my XXXX  credit, I noticed my mortgage company, Specialized Loan Servicing ( SLS ), shows my loan terms as 600 months. I did not sign any documents with SLS to change the terms of my loan. However, my credit report shows that the term with XXXX XXXX was 360 months. 

Additionally, SLS 's credit reporting shows that my mortgage account was opened with them on XX/XX/XXXX, but they were not my mortgage company until XX/XX/XXXX when XXXX XXXX transferred it to them. 

I have sent a message to SLS to address this matter but have not received a response. Also filed a dispute with 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 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I mailed a credit dispute letter to TransUnion via United States Postal Service Certified Mail Receipt # XXXX on Friday, XX/XX/21 ( see attached document titled " TransUnion Dispute Letter XXXX XXXX. '' I received a response from TransUnion on Monday, XX/XX/21 titled, " TransUnion Investigation Results XXXX '' via United States Postal Service. The total time for the TransUnion reply was beyond the 30 days that the FCRA allows. 

Furthermore, TransUnion failed to conduct a complete and independent credit investigation as outlined in the FCRA. The attached document, " TransUnion Investigation Results XXXX '' shows that they did not conduct a full and complete independent investigation for the following items : XXXX - Acct # XXXX - Unverified Account XXXX XXXX DELAWARE XXXX Acct # XXXX - Unverified Account XXXX XXXX XXXX - Acct # XXXX - Unverified Account I have also attached my Proof of Identity Documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Alorica Inc.
State: WA

Complaint narrative:
CFPB team, SST/XXXX XXXX Please remove the account SST/XXXX  for failing to provide the original signed the consumer contract per section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. I have requested the signed original contract They have not sent me anything with my signature instead they have mailed me account statements which do not constitute as the signed consumer contract yet this company continues to violate my consumer rights. Please delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since XXXX  I have sent multiple letters to the credit bureaus and companies and yet no one has corrected their errors. Could you please please please investigate into this matter further. I have proof of everything. They are breaking the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XXXX I have sent multiple letters to the credit bureaus and companies and yet no one has corrected their errors. Could you please please please investigate into this matter further. I have proof of everything. They are breaking the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MS

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 weeks, but I remembered I can file a complaint on here because I feel that Paypal  is not doing their job properly. This has taken a great affect on me, and my email associated with paypal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
Usaa refuses to accept ach payments from my bank account. It is a XXXX called XXXX XXXX and direct competition to them. How is this legal. No other options to pay but ach. They will not accept debit card payments either. How is this my problem. I will not pay until they provide a way for me to do it without violating udaap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation