vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I needed to close my cash app account so i transferred the funds to my husband we got the email saying he had received the funds so i permanently closed the account. Shortly after that the payment to my husband failed and i cant login to the closed account. Where did my {$820.00} go?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Companies involved - 1. XXXX  XXXX XXXX 2. TD Bank 3. XXXX 4. XXXX XXXX I called each of these companies, reported fraud and closed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to work with the 3 credit agencies for 7 months to fix the balances of my mortgage.The credit agencies still reporting XXXX when I only owe XXXX. 
I also try to contact XXXX XXXX numerous times.The 3 credit bureaus and XXXX XXXX XXXX XXXX keeps ignoring my request for last 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Failed to correct fraudulent accounts on my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Failed to correct fraudulent accounts on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I have a current complaint with this same company # XXXX. Now they have created another problem for me. On XX/XX/XXXX they sent me this message in an email : Hello XXXX XXXX, Your bank account ending in XXXX was re-added to your PayPal account on XX/XX/2020 at XXXX PST. If you confirmed this bank account when it was originally added, it will be reconfirmed automatically. If not, please log in to your PayPal account and confirm your bank account details. You must confirm your bank account to use it with your PayPal account. Thanks, PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click the Help link in the top right corner of any PayPal page. 

I have little idea what is going on here but I do not want any bank acct linked to my paypal account unless it is at my direction. I dont believe I ever had the acct mentioned linked so I have no idea what they are talking about. I need paypal to undo any actions like this they have taken. And I need them to respond and take action related to my original complaint so I can access my funds and take care of any other issues. I need access to their company not just a website that does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed this Chapter XXXX numerous times ; the latest case number was XXXX. I received an email stating that they were still investigating the issue and it could take up to 60 days to fully complete the investigation. When I submitted my documentation ; it was 80+ pages verifying that the above mentioned bankruptcy was no longer on my XXXX report. It was deleted because of inaccuracies, etc. I have also spent YEARS of dealing with attorneys trying to get this thing off of my record because it was inaccurate from the beginning. XXXX is the reporter for all local, state and federal debts ( including bankruptcies ). Per their disclosure XXXX XXXX XXXX XXXX received notification today ( XX/XX/17 ) stating that this investigation is complete and has been verified as accurate. That is NOT true and a complete LIE. I called Transunion, they kept repeating " this is a Chapter XXXX, its due to stay on your record for 7 years from the date it was filed. '' I kept telling the gentleman on the phone ; you need to due a thorough investigation ; as I have sent to you all that you need ; but you can not hold me accountable for something that is no longer being reported. I mailed out 80+ pages that have yet to be received in yet ( to each credit bureau to clear up the confusion but they are not taking this seriously. They need to abide by the law. 


Here is an excerpt from the FTC website and the responsibility from the CRA : https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. 

Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to Equifax, XXXX, and XXXX. As well as XXXX XXXX  and XXXX XXXX XXXX XXXX  several times regarding the inaccuracies and invalid information on my credit report file. I feel as though I am being taken advantage of and being ignored regarding my disputes. The FCRA assures me that I have the right to dispute any and all invalid and inaccurate information regarding my file. I have received nothing pertaining to the investigations that were supposed to be conducted. I sent disputes in XXXX and again in XXXX.. It has been over 45 days. My request have gone unanswered. I have explained to all parties that my information was impacted by the Equifax Data Breach and it appears that my information was fraudulently used. I demand that these accounts be deleted immediately or I intend to file for litigation due to the stress that this has caused me. 
To date, XXXX  is the only company that has responded to my dispute in the proper manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a victim of fraud, my bank card was compromised and someone deposited checks and withdrew them

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have continuously tried to reset password in which I was successful in doing so multiple times, paypal is preventing me from accessing my account although I have successfully reset my password. This seems to be retaliatory for prior complaints, and aimed at preventing me from accessing my funds which are available on my card and those which are being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
XX/XX/XXXX : I first recieved a notice that I was being sued by Lyons, Doughty & Veldhuis ( LDV ) regarding an alleged debt. 

XX/XX/XXXX : I filed a response/opposition and was notified by LDV that this matter was no longer being pursued. 

XX/XX/XXXX : A notice for a default judgement was sent to an address of a home that I do not own. I was never given a summons with a court date for which I needed to appear. 

Amongst many other shady tactics, the fact that this company pulled this stunt during the middle of the 2nd wave of a pandemic for which I have lost MULTIPLE loved ones is inhumane to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: HI

Complaint narrative:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. Purchased car XX/XX/2014, signed contract, drove off the lot. XX/XX/2014 sent a new contract to sign. Email is about gap insurance. In 2014 entering into an agreement with XXXX XXXX XXXX XXXX. for a XX/XX/XXXX XXXX approved for a loan payment of XXXX/ month. Multiple violations occurred during the time of sale. Violations of the UDAAP ; Strategic and Credit Risk. 
Exposing the borrower to credit risk due to the loan 's modifications- At the time resilience score was moderate ; not using risk mitigation strategies, the bank failed to monitor, modify, and control risk. The Initial bill of sale is to ensure payments were able to fulfill the duration of the term. Modifications were the GAP insurance and The Car Warranty. With increasing material losses and Bank failures, my credit score and creditworthiness are compromised. Please review the attached emails. 

Unfair Deceptive Abusive Act Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian violated the fair credit reporting act. Information attached.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANS UNION CREDIT REPORTING AGENCY has a freeze on my credit report that I did not authorize nor issue. on monday XX/XX/2020 I spoke with a representative when trying to access my account online being I had been notified of a credit freeze on my trans union account. The representive was insulting and misguiding and stated she would e-mail a password reset link. I called back spoke with a male representative claiming their system was down. However, I keep having this issue with them and I have good reason to believe they are participating in covert harassment and possibly attempting to prevent me and other companies from viewing my credit report being it is possibly incorrect and/or attempting to prevent me from filing a dispute on inaccurate items on my credit report for another entity. The representative made a statement saying " You can't use us to get a loan '' I never mentioned to them I was trying to get a loan However, that's how I was notified that i had a freeze on my credit report while attempting to apply for a loan online but never said this to them. I've been hung up on or system is always down or left on hold for hours and no one returns. I worked in credit for 12 years myself personally and I know they are violating my rights

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 2020-11-18 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 several Attempts Im trying to remove these unauthorized inquiries of my credit report Equifax want every time I called it was poor service and they gave me the runaround never got it correct answer And which day inquiries are not accurate the dates are. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted Experian to dispute several accounts due to identity theft. The first attempt at solving this issues was in XX/XX/2020. I received a letter stating the accounts were verified without any proof of verification nor my actual signature signing for the authorization of these accounts. Since Experian didn't take my concerns seriously I have since received an erroneous amount of inquiries have shown up my report as well. Based on the last letter received from Experian a human did not even bother to investigate my complaints. The letter was very generic and nothing was done to correct the problem. Experian has violated Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of the Fair Credit Reporting Act ( FCRA ).

I have attached all supporting documents for this claim.

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 2020-11-18 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing was collecting for a cell phone bill, and their collection agent told me that if I paid them, they would delete it from my credit report, all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid Convergent Outsourcing, and I now have disputed it multiple times through the credit bureaus but Convergent Outsourcing refuses to delete it as their collection agent promised.

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have business and personal accounts with Regions Bank. 
I did call several times to inform them that I could not access my business account online and not sure why because my online profile clearly shows personal and business accounts but online my personal account opens. I asked them why my business account is active yet I couldn't access it online. 

Moreover, I tried to withdraw money from my external trading account into my personal account but could not do it because they said : '' Regions Bank is blocking you from enabling external applications '' All these make it challenging to manage my account and do business with this 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 2020-11-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: IL

Complaint narrative:
Having filed for unemployment in lateXX/XX/XXXX/early XXXX of 2020, I never received my Key2Prepaid Unemployment benefit card as of yet. I did switch to direct deposit later in XXXX and had no problem with following payments. I'm still owed over {$1200.00} on debit card I never received and have tirelessly tried to contact Keybank for a replacement card. Over 6 months of calling with as long as 4 hours of hold time has yielded absolutely no help whatsoever. Their website is equally useless as you need a card to access any of its features. Alternate numbers I have called to reach an actual person also a waste of time as they are either foreign call centers or different departments that refuse to address the issue and either hang up on you or transfer you back to the XXXX XXXX XXXX XXXX number that is never ever answered. This issue has been all over the news for so many yet Ive still heard no solutions. Keybank is sitting on millions of other peoples much needed dollars and I find this criminal. Ive called unemployment office yet to have return call, Ive also filed a complaint with the XX/XX/XXXX and received a nonsense letter requesting a Hippa release form ( Medical records ) to proceed, which is unrelated to anything Ive addressed to them. This large scale Fiasco is a national embarrassment to say the least. Hopefully I've found some competence and perhaps sanity with you folks. Thanks for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation