vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I was not satisfied with Affirms savings account so I wanted to close my account and transfer all of my life savings into my XXXX XXXX savings account. Affirm kept asking me follow up questions that they claimed were for the security of the account and would freeze my account if I didn't answer them in 10 days. The last question Affirm asked was for my XXXX url. I didn't really want to supply this to them so I called the Affirm help center on XX/XX/21 and spoke with a lady about closing my account and transferring my funds to XXXX XXXX. She advised me to make 6 withdrawals of {$25000.00} through Affirms app and then request a manual withdraw for the remaining amount. I would need to supply a bank statement from XXXX XXXX for the manual withdrawal and it would take 10 days to process. As advised, I made a {$25000.00} withdrawal through Affirms app to my XXXX XXXX account on XXXX, another {$25000.00} withdrawal on XX/XX/21. On XX/XX/21 I attempted to make a third {$25000.00} withdrawal and as soon as I clicked transfer on your app the page refreshed and it said my account was frozen. The third withdrawal didn't go through and it said my deposits and withdrawals were restricted. I called Affirm and they said my account was frozen because I didn't answer all the security questions asked to me. I answered their last question about supplying my XXXX url and Affirm submitted it to their resolution team. I was told my account with be unfrozen in 3-5 business day and I would receive confirmation about my manual withdrawal since I supplied my XXXX XXXX statement earlier. My account was originally frozen on XX/XX/XXXX. It is now XX/XX/21 and my account is still frozen. I was told it would be resolved within 3-5 business day after I called in on XX/XX/21. It has now been 14 calendar days. Affirm is not being cooperative in unfreezing my account or transferring my funds. They seem to want to keep my money indefinitely. I have attached the letter I sent to Affirms headquarters that give a more in-depth experience I have had with Affirm and how I am trying to resolve this. I also submitted an email Affirm sent me describing the reason my account was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am disputing PNC paper statements overdraft fees of {$4.00}. Due to the fact I was initially restricted from online banking options, upon opening the PNC account on XX/XX/2021 With that restricted online banking, no virtual access to my account, I can not select the paperless online banking statement options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Upon looking at my consumer report I noticed a third party debt collector furnishing an unauthorized and unrecognizable account. To further investigate this derogatory remark currently endangering my reputation with other institutions I sent XXXX this third party debt collector a validation of debt letter. In response I received a letter from XXXX XXXX XXXX XXXX claiming that they are acting as the attorney for XXXX XXXX and it was even signed by two people who apparently work there XXXX XXXX XXXX and XXXX XXXX XXXX. To my understanding if they did in fact send this letter which it seems as if it was from this law firm. They will be in violation of 15 USC 1692e ( 3 ) as well as 15 USC 1692e ( 4 ) when they threatened to garnish my pay and take my home, car and other personal properties. They gave me less than thirty days to prepare for this court date that can ruin the life of my family and I. As well as damage my reputation with other financial institution wanting to do business with me in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted these bureaus on XX/XX/2021 & XX/XX/2021 and have not heard anything from any of them. They are blantaly ignoring me and its causing me distress. They are violating federal laws and my consumer rights! 
FCRA 15 USC 1681 states the consumer reports can NOT include any of the following 1. Credit transactions arising from my credit card. ( My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be EXCLUDED from a consumer report. The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice CONGRESS said ANY card, The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed below. 

2. Any factual information Any credit transaction between you and the consumer and them in person. 
Due to the fact that you have this information on my consumer report you owe me money pursuant to 15 USC 1681n. 
I demand that all of the accounts listed below be deleted from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
I am the consumer and I have a right to privacy. Selling and sharing of my information without my written consent is identity theft. 
You cant furnish factual information. You cant furnish anything that is a result of a transaction that arose from the credit card. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies which is you ASSUMED this role and it was not given to you! 
Pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. Did I give you permission? NO I DID NOT! So you are in violation again. 
If I did give you permission to furnish the report, have the senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report. 

I DEMAND YOU DELETE ALL THE ACCOUNTS LISTED BELOW PURSUANT TO 1681B BECAUSE I DIDNT GIVE YOU PERMISSION TO FURNISH THE REPORTS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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:
Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation toEquifax because my character has been defamed. I demand that these accounts below be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
BSI Stole from escrow {$1000.00} additional dollars claiming to pay PMI. BSI has been notified multiple times of the stolen money from my escrow. They paid PMI {$300.00} for the months of XXXX, XXXX, XXXX, XXXX, and XXXX for a total of {$1500.00} when it should have been {$510.00}. BSI has refunded my account XXXX and {$510.00}. My escrow account is owed an additional {$200.00} that has been STOLEN by BSI and they are now trying to collect from me. When you charge someone three times the amount they owe you MUST return the two times that did not belong to you. BSI refuses to return my full amount and have stolen the money. I want my FULL escrow refund of {$1000.00}. This is the third time I have filed this complaint when will something actually be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have attempted on two occasions to settle this problem with BB & T mortgage department in regards of reporting a late payment on my report in which my account is in current standings. Under the FDCPA laws they have violated my rights numerous times. BB & T has also violated the CARES Act law by reported my information. The dates that they responded to my compliant was XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have tried to resolve this problem with them directly I am demanding this to be removed from my report. I was never notified in any way of a late payment until it was reported on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. 

I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. 

They are adding hidden fees along with blatantly lying to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: VA

Complaint narrative:
In support of my dispute for an old student loan, I sent Experian the document they requested that showed all 15 of my current student loans in " Paid As Agreed '' status. Again, this was a document THEY requested. I sent in through the documents upload website, listing my dispute number as a reference for the document. 

Experian then proceeded to open 15 new disputes in my name, one for each of the loans. I called back frantically and canceled them, saying they made a mistake. The agent canceled them. 

I got 15 new emails an hour later saying XXXX had opened 15 new disputes in my name for the same loans, because of Experian 's mistake. I was unable to cancel the disputes with XXXX, they told me they had to let them play out - which they quickly did, within 24 hours. 

The very next day, I received dispute numbers from Experian for 15 ADDITIONAL DISPUTES for these loans. I called back again to cancel, and was left on hold for 1 hour and 19 minutes and disconnected, with no further word. I have proof of this. 

I called back the next day and cancelled the disputes with someone else, who blamed me for opening them and tried to make me feel like I did something wrong. She was able to cancel all but four disputes. During this call, guess what happened? I got 15 new dispute numbers from XXXX  - AGAIN - who opened them because Experian did, again. So now I've got both credit bureaus running around thinking I've lost my mind with all these disputes. 

You'll never guess what happened next, after I hung up with the Experian agent. Within the hour, those 11 disputes were opened back up AGAIN. I absolutely refused to call back and deal with this. XXXX in the meantime, put " re-disputing '' comments on my accounts on the report and caused my score to drop 20 points. I have given up trying to fix this, and spent two days sick from the stress of dealing with Experian. 

Experian has wasted almost 8+ hours of time with this false activity, which they admitted was a mistake and would take up with their agent. However, I still have open disputes with both Experian and XXXX, and my loan servicer thinks I'm insane. Thanks, Experian!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing because I wrote the 3 Bureaus over 2 months ago and still have not received any update on my complaints with the fraudulent late payments that they have put on my account. The one company XXXX is known for putting late payments on customers accounts even when they paid on time. I never even authorized any furnishers to report any of my information which is a violation in itself and its been over 2 months with no update which is also a violation of getting back to me in a reasonable amount of time. I would like these accounts updated to paid as agreed because I never been late on any payments. If not I will have to seek litigation because they are putting in fraudulent claims and messing up my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase offers an online external transfer service, which I set up to transfer to/from another bank and I validated the " trial deposits. '' When it was confirmed I could make a transfer, I initiated a transfer, which was held for suspected fraud. 
I called and, per attached, Chase says they can not verify my identity because I do not know the DOB of my divorced brother 's first wife 's mother. 
I immediately travel to the branch and show four forms of ID ... doing exactly what Chase asked. But rather than clear the transaction, they then " reject '' it. 
They then tell me that in order to do an online transfer, I must set up a three-way call with Chase, myself, and the other bank. Totally ridiculous ... there is no mechanism to do that. 
So I'm then left with no other choice but to wire the money ... thus paying a {$35.00} fee to Chase.

Chase has designed an anti-consumer process by which customers are denied access to the free, online ACH transfer service leaving them to pay {$35.00} to transfer money, thus increasing Chase 's share price.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion and XXXX  have not updated the payment history for my mortgage account with XXXX XXXX to 100 % payment history. This was being reported in error. XXXX  has made the update and TransUnion and XXXX  have refused to update the information to be correct. This is in direct violation of 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 2021-06-18 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: GA

Complaint narrative:
I contacted these bureaus on XX/XX/2021 & XX/XX/2021 and have not heard anything from any of them. They are blantaly ignoring me and its causing me distress. They are violating federal laws and my consumer rights! 
FCRA 15 USC 1681 states the consumer reports can NOT include any of the following 1. Credit transactions arising from my credit card. ( My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be EXCLUDED from a consumer report. The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice CONGRESS said ANY card, The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed below.

2. Any factual information Any credit transaction between you and the consumer and them in person.

Due to the fact that you have this information on my consumer report you owe me money pursuant to 15 USC 1681n.

I demand that all of the accounts listed below be deleted from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I am the consumer and I have a right to privacy. Selling and sharing of my information without my written consent is identity theft.

You cant furnish factual information. You cant furnish anything that is a result of a transaction that arose from the credit card.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies which is you ASSUMED this role and it was not given to you!

Pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. Did I give you permission? NO I DID NOT! So you are in violation again.

If I did give you permission to furnish the report, have the senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.

I DEMAND YOU DELETE ALL THE ACCOUNTS LISTED BELOW PURSUANT TO 1681B BECAUSE I DIDNT GIVE YOU PERMISSION TO FURNISH THE REPORTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SEMPER HOME LOANS, INC
State: TX

Complaint narrative:
On XX/XX/XXXX, I had been conditionally approved for a mortgage that was closing XX/XX/XXXX with Semper Home Loans. The only two people I have ever spoken to from that company were XXXX XXXX and XXXX XXXX. They assured me that with an extension to XX/XX/XXXX, that would give them enough time to underwrite the file. On XX/XX/XXXX, they told me after I had already signed my closing disclosure, they had made an error doing the calculations for the taxes for the house and that I had to find a way to cut my homeowners insurance in half. TWO DAYS BEFORE CLOSING. I am an insurance agent, myself and I told them that was impossible. And they said let 's see if you pay off a student loan today and it gets cleared, then that should work. So I paid off my {$4200.00} student loan off. And I actually got letters from the student loan office saying that my loan had closed. And they said that was acceptable. Today, on the day of closing, they tell me it's no longer acceptable because it's still pending in your XXXX  XXXX account, something I can not control. I also told them worst case scenario that I would pay a higher down payment. They didn't even give me the option. They are nothing but liars. They constantly told me I was going to be clear to close. Over and over and over saying you're going to be clear. They lost me my house and {$10000.00} of earnest money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hey, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 45 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : XXXX XXXX XXXX  XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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:
my name is XXXX XXXX XXXX and 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 since i never did nothing wrong with my 10 years old account. i have not been able to get help from them for weeks 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 PayPal is XXXX XXXX

Company response to consumer: Closed with explanation