vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 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: CA

Complaint narrative:
I have been using PayPal, infrequently however, for at least a year. Recently, our family has some financial difficulties that necessitated a family friend to send us {$2000.00} in emergency funds. We chose PayPal since we thought it would be the most secure. Since my parents are not technically savvy and do not have any online accounts such as PayPal or Venmo or XXXX, the money was sent to my PayPal account. When we tried to transfer the {$2000.00} " instantly '' for a 1 % fee, the transfer was placed on a 72 hour hold pending additional review. When I contacted PayPal Support via their Chat Support to inquire why a hold was required, they could not provide a reason and they advised me that I just had to wait. Since our family needed immediate access to funds for living expenses, such as groceries and my parents ' medication, the PayPal Agent cancelled the transfer and referred me to use the " Get Cash '' option where I could withdraw up to {$500.00} at a XXXX Customer Service desk. I fot llowed their instructions and was able to withdraw cash. Early the following day, I discovered my PayPal Account was placed on " Limited '' status which meant we could not access the remaining funds in my PayPal Account. Ironically, the cash withdrawal from XXXX may have triggered the " limited account '' status until I provided an explanation for the transaction. Moreover, they requested a copy of my bank statement. 

I do not understand why PayPal 's system seems to flag my account frequently and still requires 72 hours hold even AFTER I've provided documentation and an explanation for the activities on my PayPal account. I believe that PayPal 's algorithms for detecting potential fraud may actually include a person 's surname, which in may case is a XXXX surname. I have used both XXXX XXXX  and XXXX XXXX, and I have received larger amounts of money from relatives to help pay for my college expenses. I was able to transfer to my bank instantly without any issues or delays. Not a single transaction has been placed on hold or delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CA

Complaint narrative:
I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiple XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX XXXX  XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to Equifax, XXXX, and XXXX that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-01-10 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: IL

Complaint narrative:
On XXXX I view a copy of my TransUnion report and noticed an unverified collection account from XXXX XXXX XXXX. I have previously disputed this account with TransUnion requesting verification. I have also contacted XXXX XXXX XXXX using the information provided to me from TransUnion and was unable to Verify this collection account ( see attachment ). I do not owe a {$400.00} unpaid balance with XXXX XXXX XXXX or XXXX. Per the FCRA unverified is not allowed to be reported on 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 explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for an account on XX/XX/2020 using the Bank of America website around lunch time at XXXX XXXX. I received an email shortly after explaining that the application would be reviewed and they would notify me if accepted. Approximately 30 minutes later I received another email stating. " Great news! We opened the following account ( XXXX ) for you : Bank of America Advantage SafeBalance Banking Account Bank of America Advantage Savings ''. 
Being happy that I had a new account that I could use I began transferring funds into the account. One transfer was from another Bank Account in the amount of {$77.00}. The second transfer was from using the Mobile App, in which i used to Mobile deposit a check in the amount of {$75.00}. 
I went into a Bank of America branch between around XXXX to deposit cash and receive a temporary debit card. I was told that temporary cards didn't exist and that I needed to wait for it in the mail. So I left confused and went home and called Bank of America directly for assistance. I explained to the Bank of America employee that I was very displeased that they did not offer temporary cards and that I was confused that I couldn't obtain my funds unless I waited a week for my card to arrive. The employee on the phone then explained to me that the clerks at the actual branch should have informed that that I was able to retrieve my funds from the ATM. I expressed my frustration and, the employee agreed with me, and I got off the phone. 
About 5 minutes after I got off the phone I went to check the Mobile App just to see if my transfers had completed, and to my surprise, my account no longer existed. 
I called Bank of America back regarding the issue and was promptly told that Bank of America reserves the right to no longer do business with whoever they please according to their Policies. They also explained that Bank of America stated no reason for Closing the account. I then inquired about the money that I had already put into their bank and they said I could have it back in 10 business days. 

Why can Bank of America withhold someones assets and possibly profit from that money? Why can Bank of America approve, and close an account in the time frame of 4 and half hours? Especially with no cause or reason.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-01-10 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATIONS OF MY NAME!! I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
To whom it concerns, previously I attempted to communicate with your reps and a supervisor by the name of MS. XXXX. And show my willingness to resolve and dispute this matter for which she refused and acted in a unprofessional manner and at the standard for which management from Sunrise Credit Services should. I try to let her know that matter under dispute is incorrect and should refrain back to XXXX but she instead raised her voice and made me feel unwelcome and somehow intimidated but she was laser focus in not letting me talk and I never expected from a manager to have such a low level of conduct, unprofessional and undesired behavior ..mostly I challenge her ability to handle any accounts at this point because of ms. XXXX is not able to control her emotions and lose control of the call her quick by intimidating others ( clients ) I hope my feedback can be somehow helpful because of ms. XXXX does not realize that her behavior can possibly will cause future lawsuit and complaints and damage the Sunrise Credit Services credibility and collection practices

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiplXXXX XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX  XXXX XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to XXXX Transunion, and XXXX that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.

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 2020-01-10 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: CA

Complaint narrative:
I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiple XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX  XXXX XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to XXXX, XXXX, and Experian that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.

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 2020-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Specialized Loan Servicing Holdings LLC
State: WY

Complaint narrative:
My husband and I secured a HELOC from XXXX in XXXX of XXXX for the purpose of buying and selling property. The note was purchased by Specialized Loan Servicing. I don't have the exact date of the purchase, but my memory is that it was approximately two years ago. We recently sold a piece of property, and with the proceeds, wired {$65000.00} to an intermediary XXXX XXXX account that SLS utilizes on XX/XX/XXXX. The appropriate routing and account numbers were provided to me by SLS. Over the week and a half that followed, I called twice to see if the funds had been credited to our account, being assured by the person on the phone that these things take time. During these calls, I would verify the routing and account numbers. Finally, on XX/XX/XXXX, I was told by SLS that they had not received the funds. I was quite alarmed, and called SLS several times that day, with no satisfaction. Then I called my bank, and my banker called SLS and verified the routing and account numbers with me conferenced in. My banker was alarmed by the blas attitude of the SLS agent. My banker proposed that we allow SLS until Friday, XX/XX/XXXX to rectify the situation, then initiate a reversal of the wire. No word came from SLS on Friday, so a reversal was initiated. As of the writing of this complaint, no word nor satisfaction has come from SLS.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-01-10 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XXXX 2019. {$600.00}, {$100.00}, {$61.00}, {$33.00}. Advance Financal over charges to use the money everyday. Charge 2791/2 high interest rate. Going to stop electronic payments by XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
In XXXX, I purchased a home with National City mortgage at the peak of the housing market turned bubble. I had not idea about home mortgages and signed documents that ended up nearly financially draining me. That mortgage was a conventional loan, and I was unable to refinance it. I have attempted get National City, which was merged with PNC, to refinance but they refused citing " I had too much discretionary income for a hardship modification. '' In XXXX, I attempted to get my loans combined for an easier payment, but I could not. 

In XXXX, I contacted the bank to request it again, to no avail. Since my mortgage, including the HELOC, was a conventional loan, I was unable to benefit from programs established to help homebuyers who found themselves locked into terrible mortgages. 

I have XXXX loans with PNC for XXXX house, one of which is a HELOC and another is a variable rate loan. However, for the HELOC all but {$620.00} goes towards principle per year when interest paid is over {$5000.00} per year. The amount of the monthly payment going towards principle varies every month. So for the past XXXX years I have been paying on. the HELOC, I have paid {$65000.00} in interest towards the original balance of {$55000.00} but I still owe {$54000.00}. 

I believe I locked in a bad loan, one of those predatory loans that were given out by banks back in the housing boom, and it's draining me financially. The HELOC is due to end XX/XX/XXXX but I still owe the same amount of money I owed when I got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been receiving receiving repeated calls from FIA Card services every single day for the past few months. 

Today, ( XXXX at XXXX ) a man called by home and said I was behind on my credit card payments. I can't recall his exact words, but he suggested that if I my missed my next payment deadline, it would reflect badly on my account. 

He asked for the owner of the account ( a family member that had recently passed away ) and when I explained this he offered to switch the account holder to my name, and he offered to schedule my payment for the due date. He requested that I give him my bank information over the phone. I initially offered to call him back with my information and he quickly said that he was willing to wait. Then I told him I changed my mind and said I would rather go into the bank to make my next payment. After this he said I could expect another call to discuss switching over the account. Then he asked if I could provide him with a second number where I could be reached.

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