vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: FL

Complaint narrative:
I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from 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 2021-04-29 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: Account Resolution Corporation
State: MO

Complaint narrative:
Settled account with law office they used to service the debt discussed credit reporting with an attorney at the office, he sent me a letter stating the account would be updated as " paid in full '' they first reported that I just made a payment, so I disputed it, they then reported it as " Paid Collection '' these are two very different things, I emailed them requesting they either remove it or have it reported the way their attorney told me it would be if I settled the account, which would be " Paid in full '' not " Paid collection ''. The letter I was provided was either false and misleading or their attorney made a mistake and I would like it rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT, AS RESULT THESE ACCOUNT APPAER IN MY REPORT AFTER SENDING BANK OF AMERICA ALL DOCUMENT THAT THESE ACCOUNT ARE NOT MINE BANK OF AMERICA # Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX Account charged off. {$13000.00} written off. {$13000.00} past due as of XXXX XXXX. 

Account name BANK OF AMERICA Account number # XXXX .... 
{$17000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX Account charged off. {$17000.00} written off. {$17000.00} past due as of 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 2021-04-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On my dashboard thru unemployment status on money kept saying in progress was told money wouldvbe posted any day for a full month 1/2 I'd call my card said XXXX balance each time I finally logged into my account n saw money was posted from mid XXXX Up until ends of XXXX as soon as money was posted it shows it got took.out says cardtronics I filed a dispute on all transactions that came up to a total of XXXX filed a claim received a letter stating my account was on hold on frozen. Spoke with them was sent a new card and was told my cars would have a credit put on as soon as my card came in n I activate it when card came in my claims was closed and was told no further action would take place I reopened my claims and once more it was closed I asked for all relevant documentation to be sent to me and was transferred to a caseworker was on hold for 30 min and the call got hung up. Now I call n they cant further assist me or look at my claims because nothings found on their system not card number not thru social security number or claims number this is money from the state o would think it has fraud protection and bank of america is not even trying to fix or give a solution ..

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 2021-04-29 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 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 2021-04-29 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: TIDEWATER FINANCE COMPANY, INC.
State: UT

Complaint narrative:
Tidewater Credit is reporting late notations on my credit file that are inaccurate. I had an auto loan with Tidewater Credit however, this has been settled and paid in full by my insurance because my car was totaled. They let me know that they would take care of the rest of the loan and I was unaware that I was receiving late notations. I was under the impression that GAP insurance had paid off the loan amount and when I called them to inquire about it, they said that it was taken care of. My guess is they probably paid it out late. It was not my intention to be late on this loan, and this is not my error. I ask that Tidewater please remove the XXXX late notations. 
As for the XX/XX/XXXX late. I got XXXX at this time and was out of work for nearly month as I got really sick. Once I got back into work I used my first paycheck to take care of absolute necessities and caught up on my auto loan as soon as I could. I ask you also take leniency on this late as me getting sick was very unexpected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: FL

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago. The investigation took longer than 50 days. This is a direct VIOLATION of FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wengerv. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all FRADULENT accounts as I have no knowledge of these accounts due to the Equifax Data BreachXXXX Identity Theft. All is being investigated by the FTC. 
I am also keeping the companies listed below informed of your willful noncompliance. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, It is about a gap of my house insurance coverage with loan from Chase Bank. 
My account # in Chase : XXXX. 

I was told by Chase in XX/XX/2021 that I need insurance for my house. Before that, I had never received any notice informing me that the insurance expiration from either Chase or the Insurance Agent XXXX. 

I immediately purchased the insurance which took effect on XX/XX/2021. Then I was told by Chase in XXXX that there is a gap between XX/XX/2021 -- XX/XX/2021 needing further insurance. 

I contacted my Insurance Agent XXXX to cover that peroid of time. But XXXX refused to cover that past days. 

My understanding is that insurance if for the coming days. But per the Chase 's notice, I will be charged {$93.00} by Chase for past days. It sounds like Chase has the power to define the past days as future and forces a weak custumer to pay for it. I contacted Chase via both online and phone call. The probles was solved. 

I felt being bullied and hope this can be solved fairly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My account is permanently limited. I have no negative balance in my account either. I have money available in my PayPal but not allowing my to transfer money from my PayPal to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
on XX/XX/2021, i sent letters to XXXX  and equifax disputing the inaccurate and incomplete items they are reporting on my credit report.i asked for verification to be mailed to me within 14 days of everyone involved in this process. because all inaccurate and incomplete items should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX HAS ASKED EACH REPORT BUREAU TO PROVIDE IN WHICH IS required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 

iT'S BEEN OVER 30 DAYS SENT LETTERS ON XX/XX/2021. IT IS NOW XX/XX/2021.

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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I fell behind on my mortgage payment XXXX due to covid19. On XXXX, I applied for assistance with my mortgage company and on XXXX was denied for all options that allow me to keep my home. I was denied for a repayment plan because they say I can't afford it. I was denied a loan modification because they are unable to lower my principal and interest payment. This global pandemic has caused a hardship that would otherwise never have happened and caused a default that otherwise would never have occurred. 

When I bring this to the attention of the CFPB, what happens?! I receive a " courtesy offer '' for a repayment plan that increases my payment from {$1300.00} to {$2200.00}, that just might be the most courteous thing anyone has done for me. That is a joke. 

This is a global pandemic and anything less than you deferring or modifying my unpaid payments is a clear violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Some agency called Debt Recovery Solutions is attempting to collect a debt from XXXX, 2021 for a company called XXXX XXXX XXXX. 

The amount is {$3200.00} which I have no recollection and never replied to. 

This is fraudulant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened an account online with Citi a few weeks ago at the beginning of XXXX. I had funded my account with XXXX mobile check deposits and an ACH bank transfer from another account. Citi unjustifiably deemed a perfectly fine checks as fraudulent and closed my account without adequate notice. The ACH transfer was supposedly sent back to my originating bank, but there is no supporting record of that, as the bank has refused to show supporting bank statement documentation of the return. I am still waiting to receive my money at either my new Citi account or my originating bank.

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 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Hello XXXX, I received a call from XXXX XXXX XXXX number. I found the attached phone call record from XXXX - page XXXX from XXXX XXXX. In an attempt to cancel my line before XX/XX/XXXX - after I received my invoice after XX/XX/XXXX, I tried online at XXXX  which doesn't have this feature. XX/XX/XXXX and XXXX falls on Saturday Sunday which I thought XXXX  didn't work due to Covid and I called on Monday, XX/XX/XXXX as first thing to cancel. 

In other words, I will not pay the {$36.00} which I assume I didn't receive a service for. I had enough expenses due to Covid and Moving and I can not tolerate another unfair bill/.

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 2021-04-29 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: GA

Complaint narrative:
I went to a Bank of America which I have been banking with since XXXX to purchase a cashier check for {$10000.00} to pay toward down payment for my home, to my greatest surprise the cashier and a XXXX  lady names XXXX, who is the banking floor operation manager I guess just put an hold on my account for no reason, Then after I sat her down with her to ask her several questions and if purchasing a cashier check for {$10000.00} from my personal account was a crime, she wasnt able to answer any of my questions all she kept repeating was review at first I did noting wrong why are you putting an hold and reviewing my account, then after I heard her saying to one of there staffs and the security guy, his an XXXX  and his XXXX this happens this afternoon on XX/XX/XXXX, at the Bank of America ( XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ), am still very much sad, shocked and I feel so humiliated and depressed that I was treated so bad by someone who get paid from my money I saved into the back for being a very loyal and committed customer to Bank of America, it's time we all stop bank bullying and XXXX attack on XXXX and XXXX. # bankofamerica Name- XXXX XXXX Phone number - XXXX Email - 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 2021-04-29 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: MI

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 days they keep telling me to wait 180 days but I dont have that kind of time 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 ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: WA

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes are being dismissed and I am being taken advantage of. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has 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 2021-04-29 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: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Some agency called XXXX  XXXX  XXXX  is attempting to collect a debt from XXXX, 2021 for a company called Loan By Phone. 

The amount is {$3200.00} which I have no recollection and never replied to. 

This is fraudulant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
Aldous and Associates  is reporting a erroneous debt on my credit file. I never received a call or notice about this debt and it was until i checked my credit that i noticed this debt. I have since called and paid the debt. Like i mentioned i was not notified about this debt and that violates my 30 day right to dispute. I have requested they remove the collections from my credit file as i was not notified about the debt and they refuse. I need these collections removed from my credit file ASAP.

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