vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint against the XXXX credit reporting agency. The case of the complaint is that the XXXX is continuing to post inaccurate accounts on my credit report. 
I stated that multiple accounts that are student loans and false credit card accounts are not my accounts, and identity theft reports from two law enforcement agencies were submitted. 

The fraudulent accounts are continuously being reported without the creditors or the XXXX  ever providing verifiable documents that the accounts were applied by me and used by me. They are accusing me of making a false statement without any shreds of evidence that I am. 

Both XXXX  and the creditors are in clear violation of FCRA.

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 2021-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Acceptance Finance Co
State: FL

Complaint narrative:
On XX/XX/2015 I purchased a vehicle. The loan was with Southwest Acceptance Finance, one month after my purchase I suffered from a XXXX XXXX. I had no other option but to voluntarily give the car back to the dealer, since I could not work any more and was forced by life circumstances into XXXX  XXXX. The original balance was {$14000.00}. Since 2015 the auto balance has not updated on my credit report with XXXX, It also shows I have a monthly payment with Southwest Acceptance Finance of {$430.00} which is incorrect since the car was given back and resold. I have never received any documents about the sale of the vehicle at auction. I have disputed this account directly with XXXX  and Southwest Acceptance Finance with no resolution, the account does not even show that it has been disputed. Every-time I try to get in touch with Southwest Credit Acceptance, they give no help and are very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The thief has my social security number and is using it to open accounts in my name at a number of institutions, including a CashApp card from Square. When I received the XXXX card in the mail, I did not yet know about the fraud and assumed it was a promotional item, and therefore disposed of it. I need someone there to help me locate the account using other information, so that I can have it shut down. They have no customer service phone number. When I emailed with them, I went in circles for days until they insisted there's nothing they can do without the account number. I've emailed them multiple times since ( including emails for executives I found on a consumer watchdog website ), and have received no reply. This is outrageous and they should be held accountable for their absolute lack of concern for the very serious and very prevalent issues of identity theft and financial fraud, not to mention for their actual customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I was PROSPER MARKETPLACE INC customer since XXXX and during that time, I have enjoyed my experience greatly. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report due to 'Affected by natural disaster '.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Current complaint number XXXX, Hello, I received a phone message from XXXX, XXXX XXXX claiming to be with BOA and needs more information from me to handle my complaint/account. I also received another letter in the mail just after this phone call wanting me to contact BOA but at the bottom in the footnote states it's a Debt Collector. 
I have no accounts with BOA, so there is no Debts to be collecting. 
How did I get this Account opened in my Name? 
This account as originally explained, has never been opened by me. I received another monthly statement today XX/XX/21 with another - {$4.00} charge. The new balance is - {$14.00}. 
The XXXX phone number mentioned appears to be a spam type debt collection number according to other complaints. 
I just want this account removed from my name by BOA and when I contact them, I am sent to 4 different departments asking all kinds of personal 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 explanation
Consumer complaint received 2021-03-02 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: NY

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 but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: GA

Complaint narrative:
On XXXX my deposit of XXXX dollars went onto my card I have been sending them things they asked for since then of my social address license everything they have asked for Im a single mom and this is ridiculous now they are saying I wont get my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
We contacted our mortgage servicer on XX/XX/XXXX to inform them that we would be changing insurance providers. We also informed in writing and via phone on XX/XX/XXXX that XXXX is no longer required to pay property tax. We sent proof on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. They are still unable to provide us a status update. Every time we call ( every 3 to 5 business days ) they transfer us to someone's voicemail and we do not recieve a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX was paid the balance they said I owe back in XX/XX/XXXX. I send proof ( bank account statements ) that the amount was taken out from my account on XX/XX/XXXX {$430.00} which {$300.00} was for an early cancellation fee and the rest was what I owe for that month. I've spoke with someone from XXXX XXXX and they no longer have any records of my account. I confirmed with my personal bank that the transaction of {$430.00} went through to XXXX XXXX on XX/XX/XXXX. 
Transworld System Inc is saying that their client XXXX XXXX XXXX says I still owe {$300.00} but when I ask for proof they refuse to send it to me saying " Proof was already mailed to you or we are waiting for our client XXXX to submit more proof of that debt still owe ''. Till this day I have not received any proof that in fact is my debt to begin with. 
This problem has been going on for months now since XXXX and is now impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I am following up on my earlier requests to obtain credits for two line items on Retail Purchase Agreement dated XX/XX/2020 ( deal XXXX XXXX ). As mentioned previously, the blind spot monitor system installed by XXXX XXXX did not work properly, so XXXX XXXX removed the system in XXXX. Secondly, I had waived the Vin Mark Protection at the closing. Please provide documentation and a check for the return of the blind monitor system and waiver of the Vin Mark Protection. 

The amount of {$1500.00} was listed on the Itemization of Amount Financed sheet as Other Charges Paid to Others on Your Behalf. Please provide a breakdown of the items in this category. 

Since I had not received responses to my XXXX e-mails on this subject, I contacted Toyota Financial to determine if there were credits to apply to the loan balance. According to Toyota Financial, there are no credits from the Toyota of XXXX  to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: OH

Complaint narrative:
On XX/XX/2021 I submitted a request, in writing to have an inaccurate account removed from my consumer file. Not only does the account remain on my report, I have yet to receive any correspondence stating the dispute has been opened, along with any status update. It is my understanding that all investigations should take no more than 45 days. 

In addition, I've never given the alleged creditor or Experian my explicit or implied permission to report such account on my credit file. This account is impugning my reputation as a consumer and Experian along with the original creditor or in violation of several FDCPA laws and I will be seeking restitution for each violation if my requests isn't satisfied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Hi, I was under a mortgage forbearance with XXXX XXXX that started in 2020. I also did one other 3 month extension with XXXX. In the meantime, my loan servicer changed from XXXX to Select Portfolio Services ( SPS ). According to what XXXX told me, SPS would honor any agreement I entered into with XXXX. XXXX told me about the many options I would have to pay off the balance at the end of the forbearance. XXXX stressed to me not to worry and that SPS would honor any previous agreement. XXXX told me I can add the forbearance balance at the end of the loan. 

SPS did not give me this option. SPS only gave me the option of a repayment plan to bring my payments current. They want me to spread my payments over 24 mos. This would increase my current mortgage payment by around {$520.00} each month. This is not affordable. 

The only other options being offered by SPS are non-home retention that includes only a, 1. Short Sale or 2. Deed In lieu of foreclosure. I have not been given any other options. Currently, my family and I are afraid of losing our home. The letters I receive from SPS indicate starting foreclosure proceedings. 

SPS is telling me the only reason why they are giving me the high repayment plan, and nothing else, is because of the private investor. This is the only answer I receive. I am ready and can resume making my mortgage payments but it seems as though I'm being forced out of our home and into foreclosure. I asked if they can put the balance at the end of the loan, or do a modification and I was told NO. SPS told me the reason is because that's what the private investor wants. 

There seems to be a disconnect between what XXXX told me and what SPS is doing. I was led to believe by XXXX that I have other more reasonable options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: One Source Technology
State: OH

Complaint narrative:
XXXX CR XXXX this case was won in the appeal court and i was released seeing how i am getting credit reports and what not i was sentenced to 8 years XXXX that would put my release somewhere in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 700 CREDIT/XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I wish to exercise my right of erasure under data protection law. 
I DID NOT and will never give you consent to us any of my personal or professional data. The data that you currently have of mine was illegally collected with out my consent. 
You can find guidance on your obligations under information rights legislation on the website of the XXXX XXXX XXXX ( XXXX ) as well as information on their regulatory powers and the action they can take. 

Please send a full response within one calendar month confirming if you will comply with my request. If you can not respond within that timescale, please tell me when you will be able to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: NC

Complaint narrative:
During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AR

Complaint narrative:
Effective today, XXXX, I received an alert that my Transunion Credit score had decreased by XXXX points in less than a week ( from XXXX ... to XXXX ). 

After pulling my Transunion credit report, and after thorough research, I realized that nothing had changed to warrant such a drastic drop. The only changes that had occurred was that I had consistently paid off debt and decreased my utilization rates on credit cards and lowered balances on mortgages, car loans, etc. No closing or opening of credit ... no late or missed payments, no derogatory entries, etc. 

After speaking with a Transunion representative, they couldnt justify any information that would have merited such a credit score drop, yet they dropped my score anyway. My only conclusion is that they are dropping consumers scores in order to benefit their paying customers ( mortgage companies, car dealerships, apartment owners, insurance agencies, etc ) by providing them with the means for overcharging us in regards to increased interest rates. 

We consumers are not Transunions customers ; rather, we are their product ... and as such, they are constantly and continually creating and adjusting their algorithms in an attempt to give their paying customers the ability to overcharge us interest rates unjustly. 

I have done nothing but continued to pay off debt in a timely manner, without creating new debt, yet Transunion chose to reward my diligent and responsible payments by decreasing my score. Why are they allowed to suppress and oppress consumers who are doing the right thing? How can they continue to disenfranchise us by exploiting us? What they are doing is nothing short of unethical and borderline illegal. 

Please consider investigating my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: KEYCORP
State: CA

Complaint narrative:
In calling in today to Key Bank regarding my student loans services by XXXX XXXX ( last four SSN : XXXX ) after being advised on multiple occasions by both the lender ( Key ) and the services, XXXX XXXX XXXX, that I had available time on my loans for COVID-19 forbearance, I was advised they are unwilling to assist me with anymore time. During this horrific time, during which I am unemployed due to COVID-19 as well as two Natural Disasters in XXXX XXXX ( wildfires from XXXX - XX/XX/2020, and an earthquake in XXXX, respectively ), is remain in dire need of forbearance for these loans, as previously promised by the servicer. My employment was shut down due both to COVID-19 and the described Natural Disasters. 

This matter remains time urgent, and Key has been very abrupt in their dealings with me and unrelenting in assisting me during this horrific time both financially and medically, as I continue to battle medical issues during this crisis. 

I require immediate assistance with this matter, to ensure my loans are placed back into a Disaster forbearance as previously advised me. Please urgently contact me to resolve this matter. Thank you kindly in advance, and I look forward to speaking very shortly.

Company response to consumer: Closed with explanation