vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was affected by the XXXX data breach and my identity was stolen. I went through the proper procedures and filed an FTC report with the Federal Trade Commission and I have also filed an identity theft affidavit. Unfortunately, I was not informed of the investigation results and I was not supplied any supporting proof documentation. 

I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore ny such debt, in fact exists.

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 2021-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Information was submitted to I c System that was not factual. I c System deleted the information from credit reports agencies. Credit reporting agencies continued to report information on the consumer that was requested to be deleted by I c Service. Credit reporting agencies purposely decided to ruin consumer 's credit history during a pandemic and ignored the federal law. Negative information was not to be placed on credit reports during the pandemic. Credit reports are to be available to consumers on a weekly basis.

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 2021-03-06 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 2021-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On XX/XX/2018, [ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: ERC
State: NY

Complaint narrative:
on XX/XX/XXXX I received a call from Enhanced Recovery Company, informing me I have a collections balance of {$630.00} from an original creditor XXXXXXXX XXXX XXXXXXXX I notified them I never had any accounts with such a company and I have no outstanding balances. They were no help to me in resolving this issue. Upon checking my credit report immediately after this phone call, I saw that this derogatory remark was indeed on my report. It showed that this Account was open on XX/XX/XXXX. I did not open this account or request any services from this creditor. I do not know how they obtained any of my information and or added any balances to my credit report. Please help me remove this fraudulent account off my report as soon as possible because it is degrading my credit score and my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Hello I need help. I have a mortgage that is guaranteed by USDA. Due to the loss of roommate income I entered into the Covid forbearance. I am in a position to resume mortgage payments now, however The Bank of Oklahoma who now holds the loan is offering me to make a lump sum payment of $ XXXX XXXX or a three month repayment plan. Neither of these options are affordable for me. 

Please advise other options I may have. I believe the bank is mistaken in their responsibility to assist homeowners to resolve their amount due. 

I am talking to a mortgage broker about paying off the entire note including the deferred amount of $ XXXX but I am told that there are regulations that prevent another mortgagor from refinancing until the forbear amount is paid off. 

Please advise as I understand my forbearance is ending the end of this month and I'm not sure what to do. 

Thank you for your time XXXX XXXX cell : XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. 

Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. 

I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - Citibank and XXXX  XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. 

I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? 

Please consider this as an unfair practice - the debt has already affected my credit and home.

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 2021-03-06 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: TX

Complaint narrative:
I have been a Paypal customer for at least 20 years and their customer service has often not been the best. They outsource most of their telephone customer service which means they deliberately make communication difficult. My long history with them appears to mean little. 

The problem is they placed a limitation on my account last week due to suspicious activity. I had made only two transactions in XXXX. One is a recurring debit for {$9.00}, and another was a payment to a merchant I had sent a payment to for {$3.00}. 

I find their suspicious activity claim to be dubious, so I attempted to ask them why. But because their service is so bad, and because they outsource their customer service to other countries when Americans need jobs, this usually does not help. It did not help this time either. They refused to tell me what the suspicious activity is, and demanded I send them a copy of my driver 's license. I offered to call in and verify information but they rudely refused. 

I tried one more time to get information and this time, they said they needed a copy of my driver 's license because of the Patriot Act. 

Are you confused because I am? Which one is it. Is it the Patriot Act or suspicious activity? I guess they figured that I was not going to believe the suspicious activity act they were putting on since there had been none ( only two transactions totaling {$12.00} to previously paid merchants ) so then they tried to use the Patriot Act as an excuse. Then the last representative rudely told me basically they did not care if I used the account or not but they would keep it locked down. How is that for bad customer service? They should win an award! Oh and then they closed the message thread so I could not reply. They should win two awards. 

Since they make it impossible to speak to someone in the USA, and since they refuse to tell me what is really going on with my account, and since they have been extremely difficult to deal with, I am filing this complaint. 

I will not be sending them a copy of anything just because they demand it if they are not even going to bother explaining why. I have been a customer since XXXX or XXXX and I could probably verify any information they needed over the phone like all my other credit cards do when there is suspicious activity. 

I think it would be great if you could investigate what is going on with Paypal and convince them that shipping jobs overseas is a bad idea. But most of all, I think it is great that I do not work for Paypal because I do not think I could do the things they do to customers and ship hundreds or thousands of jobs overseas and live with myself. I do not know how they do it. I would like to keep my Paypal account open but if they really do not want my business, I will have to think about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Trying to collect on unverfied debt while reporting it to credit bureaus as correct. It is effecting my credit and is making life hard to get approved for credit. I have ask them to send me proof or verification on the matter and they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Farrell Holdings, LLC
State: AZ

Complaint narrative:
I sent Prime Acceptance Corp., a letter disputing Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' Prime Acceptance Corp., Clearly was NON Complaint by sending me a response paper ( which completely evaded my question ). I have rights under the FCRA and the Fair Debt Collections Practices Act. Why are these laws set in place if they can be broken so easily? 

Prime Acceptance Corp., needs to answer the initial disputed question Instead of sending a frivolous response ... Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Prime Acceptance Corp., needs to remove this tradeline from my credit or I'll be filing suite against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I was told this was a debt from a previous rental agency but the rental agency has no record of me owing.

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 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: GA

Complaint narrative:
The XXXX XXXX XXXX account in the amount of {$5700.00} TransUnion has erroneously reported on my credit profile was Paid In Full and never delinquent in anyway whatsoever. TransUnion has deliberately, knowingly, and intentionally inserted a negative information they know not to be true in order to subvert my opportunity to gain mortgage approval in my quest for home ownership, come end of XXXX, 2021. 

This blatant dishonesty and calculation by TransUnion to hinder my prospect of finally acquiring a home in order to finally move my family, including my special needs fantastic son out of a one room motel accommodation where we've resided for almost two years now is causing me heart wrench  and utter vexation. 

TransUnion must remove their negative information off my credit report and adjust my Scores accordingly with deliberate speed. 

Thank you so much for your anticipated prompt attention to this prevailing issue. 

Yours sincerely! 

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 explanation
Consumer complaint received 2021-03-06 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was affected by the XXXX  data breach and my identity was stolen. I went through the proper procedures and filed an FTC report with the Federal Trade Commission and I have also filed an identity theft affidavit. Unfortunately, I was not informed of the investigation results and I was not supplied any supporting proof documentation. 

I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore ny such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2021, I opened a checking account with Regions Bank XXXX, SC. I gave them a check from a local bank for {$1500.00}. I was given a Debit card which the banker said was good now. When I tried to use it that night it was declined for a {$.00} senior drink. I called customer svc but closed. Called next morning and was told there was a 10 day hold put on my check and the local bank did it. He said the Main ofc did it. He released the hold. My daughter, an attorney, said it is against the banking laws to put a hold on a local check.Then the main bank in XXXX, AL sent me an email and regular mail letter saying they put the hold on the check because " they had confidential information that the check may not be paid ''. The bank on which I wrote the check said they could not get that information. I talked to the Branch Mgr of the XXXX XXXX  and he gave excuses why they put the hold.on. I had enough in my account to pay that check and it was paid that night. I want something to be done so they do not break the law again.

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 2021-03-06 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Trying to collect on unverfied debt while reporting it to credit bureaus as correct. It is effecting my credit and is making life hard to get approved for credit. I have ask them to send me proof or verification on the matter and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have call several time and I have not been able to get the personal incorrect information off my 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 2021-03-06 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: CA

Complaint narrative:
Ive disputed this account before and yet it keeps coming back as meets FCRA standards but Ive provided numerous violations that XXXX XXXX has committed. Ive sent over to them numerous request for validation and theyve never responded. This has been disputed before but yet in the comment section they are supposed to mark this account as Consumer Disputes per the FCRA and which they did not and is a violation. This account has inconsistencies across all 3 credit bureaus for which XXXX  has removed it because of the inaccuracies and violations. This account even shows a {$0.00} for the high balance but yet it went to collections. This account also was submitted on XX/XX/XXXX for dispute which it has been over the 30 day mark even so the 45 day mark. As well as XXXX  this account is not marked that this account has/was disputed which is a violation and the date of last activity both differ from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NY

Complaint narrative:
i have made numerous ( over 50 ) attempts to contact Comerica Bank who runs the Direct Express CARD FOR DEPOSIT OF GOVERNMENT FUNDS to get a replacement card for the one i lost. I REPORTED IT LOST THE LAST WEEK OF XXXX, 2021 THROUGH AN AUTOMATED SYSTEM WHICH CARD I REQUESTED BE SENT VIA EXPEDITED MAIL. ONLY TO FIND OUT BY AUTOMATED VOICE THAT IT SAYS IT WAS MAILED WHICH THEY SAID TAKES 10 DAYS. I PAID FOR AN EXPIEDITED CARD. THERE ARE HUNDREDS OF COMPLAINTS ABOUT DIRECT EXPRESS. YOU CAN NEVER SPEAK TO A LIVE PERSON. I HAVE NO IDEA WHAT HAPPENED TO MY BALANCE WHEN I REPORTED IT LOST. I AM ALSO DUE FOR MY BENEFITS ON XX/XX/XXXX AND NO CARD TO PAY BILLS. I AM AFRAID MY CAR WILL BE REPOSSED AND I WILL BE OUT ON THE STREET. I AM ON XXXX AND HOPE YOU CAN HELP ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06 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: FL

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation