vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 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: TX

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
The loan was paid in full on XXXX, now they are sending foreclosure notices on the mortgage. Contacted the company about closing this account several times but have yet to receive updated information that was requested.

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 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a Best Buy account in XXXX of 2019 and purchased a video game and used the account for some online purchases and an XXXX XXXX. I reported the the card lost and reported fraudulent charges. Best Buy refuses to contact me to discuss my fraud. I have opened 5 separate disputes and all are returned that the charges are legitimate. I have requested to speak with the investigator for my case multiple times and they say that he will be contacting me for additional information and no one ever calls. I have been charged an excessive amount of late fees and interest as well as the account has been added to my credit report as a write off. This is destroying my credit rating and I am not able to be approved for even a auto loan. There are out of state charges as well that do not belong to me. I dont know how many times I can call and request to speak with my assigned investigator and be ignored. This matter has been going on for 2 years and I have spent an irreplaceable amount of time upwards of at least 2 hours a day on average at least every other month. I also received letters periodically from Best Buy that there is suspicious activity on my account. 
My purse was stolen which had my wallet, cc, drivers license, social security card many other personal items. I was able to contact my other cc companies and they rectified my fraud almost immediately. I do not know why Best Buy refuses to help.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
today i ordered on citi.com a new virtual card with a maximum limit of {$75.00} attached to the primary credit card and i have placed an order on XXXX XXXX like i did yesterday with the another virtual card attached to the dsame citi credit card for some unreason todays ' purchase was considered as " suspicious '' activity and they have blocked the current payment and the card usage and they requested a phone call SINCE I HAVE REQUESTED AND REGISTERED THE CITI CARD WITH A ONLINE BANKING, THEN OBVIIUSLY I DO NOT USE ANY PHONE SYSTEM BECAUSE I USE THE INTERNET I WANT TO REPORT A SUSPICIOUS ATTIDUDE : they consider a online banking, like a phone voice system and they do not understand the difference between a internet connection and a voice line I WANT TO REPORT ANOTHER SUSPICIOS ATTITUDE : they consider a maximum purchase of {$75.00} a big amout of dollars, so that's our suspicious, perhaps the bank does need a fnancial help from the XXXX goverment as usual plus i wan na conform that i have made a password reset and the usual voice call arrived on the phone number on file with the usual code and i have placed that code and cjanhed the password what else they need a XXXX test for {$75.00} purchase

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 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: MD

Complaint narrative:
I applied for a mortgage on XX/XX/2021. I submitted all requested information under the impression that I would receive a pre approval within 7 days. I have called the office and emailed them with no success. They gave me a hard inquiry on all 3 of my credit reports and failed to offer me a product, an approval or a denial. I want the inquiries removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CO

Complaint narrative:
I have held an account with Brink 's Money prepaid mastercard or better known as Netspend for several years. I recently added a secondary cardholder to my account. The secondary cardholder who was not related to me or a spouse deceased and as a result Brink 's Money ( Netspend ) closed my account and removed my ability to access the funds within the account. I have contacted Brinks money several times trying to regain my access to the account. I have submitted documentation requested by Brinks money in an effort to regain access to the funds in my account however the company has continued to refuse to provide me with the balance of {$21000.00}. The last time i contacted Brinks money was on XX/XX/2021 and the representative stated that because the primary account holder was deceased that it would be impossible to receive the balance. I explained that I am the primary account holder and that I have not deceased. I was advised to contact the Social Security Administration to rectify the situation. On XX/XX/2021 the SSA confirmed all their records and verified that no such notice was sent to any financial institution. Netspend is attempting to steal XXXX of dollars that I am entitled to and that belong to me. I have tried working with the company however they fail to provide me with my money. As a direct result of this financial institution I am suffering hardship. I followed up and called Brink 's Money on XX/XX/2021 and they clarified that since the secondary cardholder had deceased that my account was permanently closed. They also stated that the remaining balance would not be remitted to me although I am the primary accountholder. This is unfair, unethical, and theft.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I Opened An Account With Barclays US Credit Cards On XX/XX/2021. I Sent In Documents As Apart Of The Verification Process, My Social, ID, And Bank Statement, Via Fax. They Stated That The Signature On My ID And Social Did Bot Match. I Explained To Them That When You Sign Your Sig At The DMV Its Done On A Electronic Key Pad, And When You Sign Your Social Its Done With A Pen And Paper!! So Unless Im XXXX The Signatures Wouldnt Match. So I Sent In More Documents! Now Its Been XXXX Weeks And They Are Still Saying To Wait Theres Nothing I Can Do! Ive Already Paid My {$99.00} Annual Fee And CANT Use Or Enjoy The Benefits Of The Card Because Im Restricted

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 2021-04-26 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: NY

Complaint narrative:
There has been a violation of my rights under Federal law against XXXX and Equifax. If these accounts are not removed from my report immediately, I will have to take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I do the vast majority of my bill paying online through my checking account with TD Bank. I can log into my account usually without much difficulty. But over the past year, I have had several occasions on which I was unable to get into the bill pay section. When I click the Bill Pay tab, I repeatedly get a message that says " Task Incomplete. Hmmm, something didn't work that time. You can go back and try again, because this was probably just a temporary glitch. You can also retrun to the home screen or send us a message. '' Except you CAN'T return to the home screen. If you hit the back button from the error message page, you get a confirm resubmission message that doesn't let you resubmit! And going back and trying again doesn't work. The same Task Incomplete message keeps coming back up. 
As I said, this has happened repeatedly. It happened several times last week, yesterday and again today. 
I have repeatedly tried reporting this issue to TD Bank. It has only gotten worse. I deal with several websites, including financial institutions and retailers with financial elements to their online presence. None of them seem to have the difficulty letting me control my transactions and my money that TD has. America 's most convenient bank? Hardly!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Coinbase, Inc.
State: VA

Complaint narrative:
I did a wire transfer to coinbase on XX/XX/XXXX and my account has not been credited yet. I submitted a ticket through coinbase on XX/XX/XXXX but I have not heard anything back. The case # is XXXX. I have contacted them multiple times and I am getting nowhere. Any help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Harris & Harris , Ltd., as they are collecting for a ticket that XXXX XXXX had no right to issue, expired registration. My vehicle 's plates were suspended prior to my registration expiring. My XXXX XXXX and I spent XXXX days trying to figure out why my car was towed. After XXXX days I get a ticket stub mailed to me by XXXX. XXXX XXXX, my XXXX got the whole copy of the ticket. I asked him what XXXX  or XXXX signed that ticket? No XXXX  or XXXX list or appears on the ticket. This makes the XXXX vehicle that has been STOLEN from me by said XXXX XXXX. The XXXX one was a motorhome, I got the letter of error XXXX days after my home was auctioned off by XXXX XXXX XXXX  Now I have issues with XXXX XXXX as it all started from a release form that said tow company requested from XXXX XXXX XXXX. XXXX XXXX XXXX said there was no citation issued so there is NO NEED for a release form. Now after XXXX days I am being told that a {$50.00} ticket cost me my car the same as the error from my home. 
Please help the reference number from Harris & Harris is XXXX, the violation date on this form is also incorrect as my car was towed on the XXXX of XXXX XXXX, not XX/XX/XXXX. The ticket says the issue date of XX/XX/XXXX. So where did all these changes all of the sudden come from? XXXX XXXX is what they are avoiding here as it very plain as day and I am owed in access of over {$24000.00} from this SCAM. 

Thank You So Much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was first Frozen on XX/XX/2020 and has a positive balance of {$1100.00}. They are holding this money due to the fact that a previous PayPal account had gone into the negative and they are demanding that the previous account be brought current before they will release the funds of this current account. I have explained to them that with the coronavirus and everything else going on, the release of the funds and the current account are going to begin the process of resolution on the previous year 's accounts. I don't believe that this money should have just been taken XXXX an ultimatum on a previous debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 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: TX

Complaint narrative:
On XX/XX/2021 I sent out letters to the creditors that's on my credit report requesting debt validation. To this day they have failed to to so. These erroneous allegations have severely impacted my credit scores and my mental health as I am constantly being denied credit because of this. 

I've also sent letters to the bureaus disputing the false reporting and nothing has been done. 

I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
The PNC bank phone rep XXXX XXXX on XX/XX/2021 told me my Forbearance period had ended and I was not entitled to an additional extension period for my XXXX XXXX. 
She insisted I fill out an hardship application and wouldnt listen to my pleading for her to check the XXXX Forbearance XXXX month period allowed for my XXXX XXXX XXXX PNC should be held accountable for giving consumers inaccurate information with covid distressed customers. 
After a weekend of severe stress I called PNC back on Monday the XX/XX/XXXX and requested a supervisor as well as reporting this employees misinformation I was given .. this client service rep on the XXXX XXXX never heard of the CFPB and didnt know the XXXX XXXX month rules of forbearance either!!! 
But she put me on hold and came back with a XXXX day forbearance extension.. Please hold PNC accountable to have educated employees give correct information on the rules on the Forbearance period with XXXX XXXX!!! 
Im an elderly woman who has endured a loss of a career job, a texter hitting me and causing me to have XXXX surgeries and a year of PTherapy ... then my airline closed and loss of my employment.. We are having to sell our home this summer and needed the extension to finish preparing it for sale .. NEITHER PNC employees know the facts! 
Fortunately XXXX did put me on hold for XXXX minutes and checked ... my forbearance was extended XXXX days allowed by law ... but how many others are going to be given the XXXX I was told prior to XXXX? And experience all that stress because of employees lack of education??? Please hold PNC accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Credit Collection Services of XXXX XXXX XXXX XXXX XXXX XXXX asking for a past due amount of {$98.00} for a XXXX account that is not mine. I sent a detailed letter disputing this along with documentation proving I did not live at the address associated with the account and that this was not my debt. I demanded they stop sending me notifications. 

They never responded but sent an additional notification of this debt dated XX/XX/21. 

I've been in touch with the XXXX department of XXXX which hasn't resolved the issue despite being sent an abundance of information by me including proof of residence at the time this fraud was committed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: TX

Complaint narrative:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX : I requested a security freeze via US Mail. Freeze was implemented. 
XXXX, XXXX : Requested security freeze be lifted via phone. Experian representative indicated it was completed. 
XXXX, XXXX : XXXX  with which I am applying for a mortgage indicated the Experian security freeze is still in effect. Multiple attempts made - all failed. 
XX/XX/XXXX : I requested the security freeze to be permanently lifted via US Mail. 
XX/XX/XXXX : I received an email from Experian stating they received my request. 
XX/XX/XXXX : XXXX XXXX with which I am applying for a mortgage indicated the Experian security freeze is still in effect. 

I can not get a mortgage because Experian is unable to lift the security freeze.

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting an account on my credit report that is not mine

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.

Company response to consumer: Closed with explanation