vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was contacted on XXXX by the user name XXXX. I thought this was the day trader willing to give me training and invest my money. This user then told me to text him. He told me about an investment process that he would show me to make a ROI of XXXX dollars. ( I have all screenshots attached XXXX. I sent a total of XXXX dollars to the website https : XXXX  using the bitcoin wallet address XXXX. I was told I will receive my money back in 72 hours. I then came to the conclusion he was not the real " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I called the company ( Credit Acceptance Corporation ) about five years ago when I first notice that this fraudulent activity was on my report. I contacted the company and informed them that I never did business with them and if they could removed that from my credit report. I also informed them that I am a victim of identity theft. The company informed me that they will look into the situation and take care of it but never did. I have been disputing this activity for some time now and was told by the credit bureau that the company keep sending it back as accurate because it was being paid on. I explained to the credit bureau that whomever stole my identity was paying until they decided to stop and the company should understand that. I have done everything to prove to them that it is not mines and the company is still refusing to remove this account form my credit 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 monetary relief
Consumer complaint received 2021-05-14 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 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a dispute for a returned phone to T Mobile for {$71.00}, on XX/XX/XXXX, I filed two disputes for {$21.00} and {$27.00} ( XXXX XXXX and XXXX  ) for a trip that did not happen COVID 19 issue. I can not get any assistance from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: SD

Complaint narrative:
Unable to contact Experian, they do not have disputes online for the false address issue. 
They corrected one false address and more popped up! 

XXXX XXXX XXXX XXXX XXXX, SD XXXX Not my address, never lived there, Exwife 's address! 

XXXX XXXX XXXX XXXX, SD XXXX Fake address, don't know where it came from never had this address suspect fraud by Experian! 

Experian needs to join the 21st century and update there system, not everyone can sit on the phone for an hour to correct their credit information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I received my docusign loan documents. XXXX XXXX is the platform that I used to request the loan. I was told I would be funded in 7-10 working days its been 34 days. I created several funding inquirie tickets, I called ( XXXX ) XXXX, I spoke with the receptionist. She told me 24-48 hours someone would reach out to me. They have the funds and XXXX XXXX is the CFO on the promissory note. My SBA Loan # is XXXX. I signed documents before people that signed on XXXX or later and they are receiving their funds. Its like they just forgot about disbursing my loan that been approved by the SBA and sent to Capital Plus Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc.
State: PA

Complaint narrative:
Finance System of Richmond received my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. I even attached a copy of the original letter they received via certified mail. they still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
The loan was in forbearance but they are reporting it as 120 days late as of XX/XX/2020. I am enclosing the mortgage verification from them showing no late payments so it appears that it's correct but they are reporting me delinquent to the credit bureaus.

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 2021-05-14 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: NV

Complaint narrative:
ALL 3 " CRA '' REPORTING INCORRECT " XXXX '' DATA OF PUBLIC RECORDS BANKRUPTCY CH XXXX NOT 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 2021-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have had my existing PayPal account for roughly 20 years with the same checking account linked to it the entire time, and I also have a current PayPal Mastercard. In other words, I am a well-established customer of this company. As a XXXX XXXX XXXX I work with a variety of clients. On XX/XX/21, I received payment for XXXX XXXX in the amount of {$370.00} via PayPal from my customer who is based in XXXX. Upon receipt of funds, PayPal deducted their 5 % fee, then immediately locked my account. I received an email stating that I can no longer do business with PayPal, without explanation, and I am unable to transfer my funds from PayPal to my bank account. When I called and spoke to customer service, I was told that I would have to wait until I receive an email from them in 180 days with instruction on whether or not I can transfer my money into my bank account. I sent them an email, and received an immediate reply that stated their decision is final, and " We can not disclose the specific criteria that we sometimes use to limit access to accounts. '' I have never violated any terms of service, and their efforts to steal my hard-earned money is outrageous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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: WV

Complaint narrative:
I have over 60 hard inquiries that do not belong to me filed a identity theft report with ftc mailed into equifax with tracking they recieved on XX/XX/XXXX called and was told they dont have it gave me a fax number I have faxed the documents 2 times in last 4 weeks keep telling me they do not have it asked to speak with some one in cosumer affairs was hung up on 7 times I feel like Ive been lied to over and over its causing a lot of stress have had to see a dr XXXX XXXX XXXX and XXXX XXXX XXXX which I didnt have before I started dealing with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called XXXX ( XXXX ) XXXX XXXX XXXX. These 5 claimes are for each lender that XXXX " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX XXXX  refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX XXXX. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. XXXX continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this XXXX  attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a XXXX  XXXX  of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to XXXX to to fraudulent activities on XXXX side. XXXX was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. XXXX also has XXXX XXXX  listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that XXXX has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing XXXX to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  trust was designated as soon as I filed for bankruptcy and XXXX was privy to me fitting to discharge my loans. XXXX, XXXX, Expirian wont take anymore disputes. There is always an error that happens that im informed of. XXXX has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. My bankruptcy was just closed, so it currently shows that the accounts are closed, but they are kn fact still open, and XXXX refuses to correct the issue.

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 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
We requested forbearance on our property in XXXX of XXXX. In XXXX of XXXX, we completed the online form ( per mortgage servicer 's request ), to remove the forbearance and do a loan modification on the file. We were told to expect documents to sign off on within 30-45 days. Since then, we have called in at least 30-40 times ( 2-4 times per week ). We've requested an escalation of our file a half dozen times. We have spoken to dozens of supervisors, " customer allies '', etc trying to get them to move on this file, and we still have not made any progress. We are beyond upset and frustrated. The company keeps telling us that the file is in underwriting or with the attorney 's office. Sometimes they say the documents are being XXXX  XXXX to us, and other times they say that the file has been escalated internally. It's been 7 months. They finally told us our documents were ready, and we'd get an email within 48 hours with them. It took 3 more calls and 8 days later before we received those documents ... that were dated for XX/XX/XXXX with a submission deadline of XX/XX/XXXX. We received these documents on XX/XX/XXXX. This is unacceptable! We don't know where to turn for help, but this company is holding this house hostage! We can not sell it. We can't refinance. We can't buy a new home. We are trapped under this pile of incompetent bureaucracy and need SOMEONE to PLEASE help us and do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One XXXX  closed my account on XX/XX/2021 for no reason at all. They never disclosed what the issue was. I had previously filed a complaint against them for failing to refund my money from a fraudulent XXXX wholesaler. They failed to do this so I filed a complaint. On XX/XX/XXXX they closed my account and said they would be transferring my funds to an attached outside account if I had one within 2-3 business days. I do in fact have a linked XXXX outside account and it is now well over a month that they have not sent my funds to that account. THIS IS ILLEGAL. WE ARE IN THE MIDDLE OF A PANDEMIC AND THEY ARE HOLDING THOUSANDS OF MY DOLLARS. I would like them to send my money to my XXXX account now. They have held my funds for over a month prohibiting me from paying my bills. This is unacceptable, unprofessional, illegal and I will pursue this matter even if it needs to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I opened an account on XX/XX/21 transferred funds and then was requested to provided personal documents for verification of id, at which time I was informed to please wait while they verified. Other companies request this info before being able to transfer funds. Keep in mind this is asked AFTER transferring funds. The longest I've had to wait for other firms to verify is 12 hours. 
Since then I have not received any indication of status of my verification and any request through support is responded to by a generic email response. I tried withdrawing my funds but I am unable as they say my id must be verified. 
This seems like a big issue as there are many complaints on social media regarding their verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: SC

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 2021-05-14 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I owed {$120.00} for XXXX XXXX XXXX. I had mailed {$64.00}. I went to the website and made the remaining {$64.00} by credit card ; however, {$64.00} did not reflect towards the balance.

Company response to consumer: Closed with explanation