vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'm a full time college student looking to save money to take my XXXX tests to apply to medical next year. An individual with the email XXXX sent an email to my school email address requesting a dog sitter for her aunt who was supposedly moving down from XXXX for a new job. The " aunt '' name was XXXX XXXX XXXX email : XXXX number : XXXX ). She sent pictures of the dogs and shared her entire situation ( see attached screenshots XXXX. This XXXX then said that because they had not settled in her new apartment, that she would send me a check to purchase supplies for the dogs and my first week 's pay. I then received a check from her supposed financial clerk from the email XXXX. The check was for {$3900.00}, the company on the check was XXXX XXXX XXXX in XXXX, GA and the bank on the check was XXXX XXXX, NA. I deposited in my account on XX/XX/2021. The check was posted on XX/XX/2021. I called my bank to confirm whether or not the funds were received from the other institution, and I was told that it was. Obviously the banker mistook my question for whether or not the funds were available ( considering they make funds available before money is received ). XXXX then told me send money to the number XXXX XXXX XXXX XXXX XXXX, and after that didn't work, she told me to XXXX {$1000.00} 3x to XXXX, however, only 2 of the 3 transaction went through ( the conformation numbers for the two transactions XXXX & XXXX XXXX. After the 3rd transaction didn't go through, she asked that I send it in bitcoin on XXXX. I then reached out to Bank of America to report the scam and they cancelled the third XXXX transaction because it hadn't completely processed. Unfortunately the first two went through. The bank associate said that she opened a case outlining the fraud ( case # : XXXX ) but I don't see anywhere on the online bank account for me to see the status of this case and BOA already reversed the fraudulent check. Now, the money I was going to use to buy my XXXX prep supplies is gone. The only other info I have is that the phone number associated with XXXX actually ends in XXXX and not any of the other numbers that contacted me at any point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity, this was not done by me. Bank accounts were open in my name. I contacted XXXX and they did not remove the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX put a {$470.00} collection on my credit report claiming it's a debt from PayPal, I've contacted PayPal and they stated that my account is in good standing and I don't owe any debt, Then i called the debt collector they said they'll submit a dispute however it's still reporting to my credit bureau, The collector asked me to do incapacitating requests. 
The collection agency also stated that the debt was owed back in 2018 however they never attempt to contact me once since. I contacted them when they negatively reported to my credit report, the collector also said that I lived on my business address which's not true. 
Note : I never took credit from PayPal, however I use them to make payments on the spot using my credit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
The attached email demonstrates our problems with BSI Financial Services. We have continually asked them to validate the sums they are capitalizing for unpaid interest and escrow amounts. You can see what they are providing. We have also asked for them to show us the removal of non-payment reports while we are in the process of getting the mortgage modification and they ignore it. We originally applied for this in early XXXX and they took until XX/XX/XXXX to reply. We really need your help on these matters. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
AMEX account was due to be removed from my credit report in XX/XX/XXXX. AMEX updated a balance on my account and changed the on record from XX/XX/XXXX to XX/XX/XXXX. I have not and will not agree to repayment with them and want my credit report to be updated with the correct date of XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: MN

Complaint narrative:
My husband and I closed on a Reverse Mortgage from American Advisors Group in XXXX of this year expecting to be able to gain access to the equity in our home by next XXXX. Instead, after closing, we were told that the equity would be used to pay our taxes and insurance on the home only. This was neither explained to us before the loan closing or after when we questioned this.Had we realized that we would have not access to our equity for the life of the loan, we would not have closed on this loan. Our home is 72-years-old and in need of a few major repairs including replacement of our heat/air conditioning unit and the siding on the back of our house. I fear that they can foreclose on our home because we did not make these necessary repairs. We asked why our loan was structured like this but did not receive a reasonable explanation. We tried to talk to anyone at AAG to get further details but no one called us back. I understood that the spirit of this loan was to help seniors to make repairs, pay off debts and other expenses, not pay our taxes and insurance only for the rest of our lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, In the process of requesting PPP loan forgiveness over the last several months, Chases business direct center and whoever has been reviewing the application forms have been repeatedly clearing and re-adding conditions and have been extremely unclear with what they require. Every representative we have called has told us something different every time as to what they are requiring. Once the requested changes are made to the application they clear that condition and add back another that was already cleared. We have provided what they have asked for and more numerous times that prove the loan money was used on the business during the covered period. We have followed all the guidelines when applying, all 22 times, and each time with the additional documents they request and are still being denied. At this point they are going to run us out of business by not granting forgiveness for the loan that helped us and is still helping us remain in operation. We will not have the means to repay this loan amount in full by the date it is due. The SBA states that funds can be up to 100 % forgiven if used on the business during the covered period, which it was and we are not even requesting forgiveness for the entire loan amount. We are eligible for this and should have our application reviewed fairly. Chase is refusing to submit our application to the SBA even though we have provided everything they have asked for and more. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: DISCOVER BANK
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I applied for a refinance mortgage loan with XXXX  XXXX on or about XX/XX/2021, and I was pre-qualified for a refinance with a XXXX interest rate. After XXXX weeks into the process and providing all information to them, XXXX  was suddenly bought out by Guaranteed Rate, Inc. on or about XX/XX/2021. A representative from Guaranteed Rate told me they would honor the application and interest rate. They also told me that since the process was close to the end with XXXX, they would only need to verify some information and would close within weeks. They made excuses for XXXX months, telling me the loan would close shortly. However, it has not closed still. On XX/XX/2021, for the first time ever, the loan representative told me my loan would not be approved because my debt-to-income ratio is 88 %. None of my financial information or situation changed and this is the first time this was raised. And, the debt-to-income calculation is wrong. I am only responsible for 50 % of the loans on the rental properties I have. Guaranteed Rate is not showing me their calculation and not explaining why they are assigning 100 % of the rental property mortgages only to me. Additionally, they are not explaining why it took them XXXX months t raise this NEW issue, which appears to be an excuse. 
I suspect the delay and excuses have been fabricated to avoid closing on a loan they took over from XXXX XXXX. I can imagine regulators required Guaranteed to honor the pending loan applications and not to delay and drop customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: PA

Complaint narrative:
I am very disappointed with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My company responded to a mailing from Bank of America offering {$750.00} if a new account was opened, minimum {$50000.00} held on deposit, and 5 electronic transactions. Our company entered the invitation code and opened a checking account on XX/XX/XXXX and deposited $ XXXX into account and made 5 required transactions. I just called to check the status of the {$750.00} on XX/XX/XXXX and the agent stated that Bank of America had no bonus was attached to our account and further stated that Bank of America had no such offer published at that time. Clearly I opened the account based upon the inducement since I deposited and performed the specifically spelled out actions. I XXXX  the offer and can see web pages where it clearly was offered at that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 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: OK

Complaint narrative:
XXXX XXXX and Transunion have allowed XXXX XXXX XXXX to continue to report on my credit report inaccuracy information on my credit report and causing my score to go down for their mistakes of reporting correct information. Why do I have to suffer for their mistake. They have violated the fair credit reporting act and continue to do so. CFPB have also reported that they did and XXXX was in a settlement for this and use predatory practice. That they continue to do so! LIKE ADDING INTEREST TO A CLOSED CHARGE OFF ACCOUNT AND REPORTING IT EVERY MONTH!!! IT WAS AT LEAST 8 THINGS WRONG ON EACH CREDIT BUREAU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I opened a PayPal Business Account to receive registration fees for a XXXX  XXXX  Course that I XXXX. There is a set fee of {$250.00} per student. I sent the students the QR code and the link for them to make payments. I was receiving payments just fine and PayPal set up a Key Code for me to use when making purchases online. I had begun to use the funds to make purchases for class lab materials. One of the students sent his PayPal registration payment to one of my university emails. Rather than have him resubmit using the PayPal link, I just added my email address to the PayPal account. The money was then received. We have two other instructors so I added the first one 's email address and she was notified and accepted. I tried to add the second one 's email and PayPal said that it couldn't be added. That was no problem because they hadn't received any payments to their email address. A little later I got an email from PayPal saying " You can no longer do business with PayPal. After a review, we decided to permanently limit your account as we found potential risk associated with it. '' PayPal did not give any specific reason and when I called, the person on the other end was utterly useless and simply sent me an email saying it I wanted to know anything more, I'd have to get a lawyer to send an official request for information or begin a lawsuit against PayPal. Now all my monies are tied up, students who haven't paid can no longer pay their registration fees, my orders for lab supplies will be cancelled for lack of payment, and class starts in less than 2 weeks. PayPal gives no means by which I can find out what they think I did wrong or how to appeal their decision. I had the account for only a few weeks. PLUS I'm sure that PayPal will keep all the service fees they have charged me thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Comenity Capital Bank will not provide a monthly statement for XX/XX/2021. I sent a letter, on XX/XX/2021. My letter reads : " This is a Billing Error Notice.... Please make available to me a monthly statement for XX/XX/2021. Although my account has a XXXX  balance, there was activity. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My HIPPA Rights and my privacy rights have been violated and not taken seriously by XXXX XXXX, and transunion. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: National Collection Systems, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: AZ

Complaint narrative:
The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley.

Company response to consumer: Closed with explanation