vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
Hello. I bank with Current Bank. Its an online bank. I've been trying to log into the app to get to my funds. On Monday XX/XX/2021, was the last time I used the card. Tuesday XX/XX/2021 I could not log into the app to get my money. I've sent several emails to this company. They keep telling me different ways on how to log in the app but nothing has worked. On XX/XX/2021 I was told that my issue will be escalated but i haven't heard back from the company. No one is telling me why i cant use the app. I just can't. I pay all of my bills from the card that i have with them. All of my money that i have is on this account. Please can someone help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: AR

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 any help from them. PayPal customer support wont even try to figure out the reason why they closed my account. I've been with paypal since 2008 with no problems at all until now. 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 2021-04-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX I spoke with GM Financial Customer Service and a customer service supervisor who was able to note my account and approve to reverse the late reporting for XX/XX/XXXX in XX/XX/XXXX this was a huge step as I have disputed this for over a year I was told this would be resolved in 45 days or less I was also told I would receive a letter in the mail showing the corrections. I have sent emails and called GM Financial to only find myself holding on the line for two or more hours and then get hung up on by customer service and collections. when requesting a supervisor I am told someone would call me back and that never happens furthermore when I call in for status no one knows what I'm talking about and I have to talk to 10 people for the tenth person to finally read the notes and see where it has been documented that my credit would be reversed. however I would need to wait yet another week or two and I have although this is a violation the Federal Credit Reporting Act. I have a statement from GM clearly showing XX/XX/XXXX was in deferment their records would also show this I'm not sure why this would be so complicated. I have also provided the XXXX statement showing that my payment was late but never 30 days late this information is their own records. If only someone would simply read what I am providing there is nothing hard about this discrepancy. GM responses received are redundant they simply remind me of my contract terms and list what they are currently reporting late which is incorrect this is bad Business this is bad record-keeping and when you report incorrectly to all 3 bureaus this can be devastating 2 a customers such as myself this is my final attempt The Next Step will be the Federal Trade Commission who implement Credit Reporting Act guidelines which are very clear additionally there should be no late reporting on my account XXXX are errors XXXX lates were due to XXXX. 
I'm simply asking in your response to provide me your Executives contact not your supervisor I think this is very important to have someone review how long I've endured these discrepancies in the lack of effort to correct them and shouldn't go to legal action the amount of cost for something so small

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2021 I contacted TransUnion to remove XXXX XXXX XXXX off my credit they have not done so

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 2021-04-02 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: VA

Complaint narrative:
Mailed the letter to EXPERIAN for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave EXPERIAN any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

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 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday XXXX XXXX at XXXX XXXX, I tried to ACH transfer money from my Bank America checking account XXXX, to my XXXX account which i have transferred money to before, it ells me that i have to call to transfer because of the amount of the transfer and keeps me on hold for over 20 minutes. However, if I am willing to use the wire method and pay Bank America {$30.00} to wire the money, it lets me do it without any delay or calling them. I am still on hold after 20 minutes and think that this is just a delay tactic to get me to pay {$30.00} for a wire transfer when it is not necessary.

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 2021-04-02 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMCB XXXX, XX/XX/2021, unauthorized credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I took out this loan because I had a few payday lenders that were bankrupting me. Mariner was the only company that would give me any relief by reducing my payments to one a month and extending the time period I have to pay, but only under a Title Loan option. I accepted because it actually appeared this was a rare good financial institution offering things like protection from possible disasters like unemployment or XXXX requiring the Taking of my car. But like one of the most famous FL XXXX XXXX XXXX and XXXX in history, XXXX XXXX, this company smiled and took me in by not letting the true monster out till there was no escape. Within the first few months of taking out the loan in 2019, I was the male victim of a XXXX XXXXXXXX. Thankfully, the man who did this to me is now in jail. That event created a XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX, eventually leading to my being laid off at the start of the pandemic. What is occurring makes no sense and is fraudulent. I am a XXXX individual with a title loan that has XXXX insurance. 
But in an insane through the looking glass twist, Mariner says I have to be working while XXXX to take advantage of it. What? Obviously, most XXXX individuals can not work. This company also has unemployment insurance on the loan, but like a XXXX XXXX, the unemployment insurance has a time limit, which I apparently have exceeded. Ha!! Even more shocking, I received approval for XXXX from the state of Florida already almost a year ago because of my XXXX. This occurred based on my paperwork alone without even interviewing me. Florida did not expand XXXX unlike most states, so this approval shows how severe my case is. Still, I was notified of car repossession by this sick predatory lender yesterday. It is absolutely nuts to be a company that offers XXXX and unemployment insurance and I am a person who qualifies under both insurances, and Mariner still wants to try to take my car, as opposed to having the loan continue to be paid under the insurances I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NY

Complaint narrative:
On XX/XX/21, I submitted a dispute through Experian regarding a bankruptcy that is reporting on my credit. Experian claims they investigated, and confirmed the item, yet they did not provide any information as to whom they contacted and what was verified and or validated. Nor did they confirm the agency they allegedly confirmed the bankruptcy with.

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 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XXXX I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2021 I contacted XXXX to remove XXXX XXXX XXXX off my credit they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2021 I contacted XXXX to remove XXXX XXXX XXXX off my credit they have not done so

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 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Called in XX/XX/2020 or before and ask them to quit calling home phone ( XXXX ) and cell phone ( XXXX ) and person said she would remove numbers from the list. I have no debts due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have contacted Best Buy Several most recent XX/XX/XXXX she opened the new account. Times and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.

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 2021-04-02 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regarding BBVA USA Tried logging into their app XX/XX/2021 and it says services not available try again later.No big deal I'm fine paying the late fee however on month later on XX/XX/2021 same issue. They put their hours for customer service online as XXXX - XXXXXX/XX/XXXX I call at XXXXXX/XX/XXXX and they have a message saying they are closed and they had changed their hours. 

I have been denied access to my online account. I had previous call and asked for a compliant to be filed because of my online issues. Previously it wouldn't process my payments. Instead of fixing the issue I can't even get in. Now my online ID is locked. But I can't call them since they posted wrong hours. 

They have in bad faith created a situation that will negatively effect my credit and financial future. Additionally they have posted fraudulent hours online. Which made me believe I had time to call. Which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2021 I contacted XX/XX/XXXX to remove inaccurate names on my credit report

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 2021-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
You are violating my rights clear AS DAY! I do not understand how you are blatantly disregarding my rights under HIPAA. My private health information can not be shared or reported. By reporting this information, you are directly sharing my information with everyone who has access to my credit report. This is illegal and is also a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not update my score please help still showing from XXXX when I pay for service send refund also

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 2021-04-02 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: EQUIFAX, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX I sent a letter to this credit bureau to dispute an incorrect address they are reporting. I have sent enough proof that the address they're reporting needs to be corrected and updated to what I've sent them. Since then I received credit reports in the mail that are showing the correct address and the incorrect address. They once had the correct address on their report on XX/XX/XXXX but they changed it back to the incorrect address on a new report on XX/XX/XXXX. This credit bureau is in violation of FCRA Section 623 and CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. This is damaging towards identifying myself, obtaining future credit and is causing me distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover offered me a {$45.00} statement credit for purchasing a XXXXXX/XX/XXXX membership. I followed the terms and condition. They refuse to issue me credit saying that I can not cancel the membership. I canceled because there was issue with my membership. The terms and condition does not say I can not cancel for a valid reason. When I contacted, they throw new conditions at me to refuse the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXX Account XXXX Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
The company I'm contacting you about is LoanCare ( www.myloancare.com ). They're my mortgage company. 

I changed homeowners insurance companies effective XX/XX/2021. Loan Care sent me a letter dated XX/XX/2021 that only reached me today. In the letter, they stated that they had paid both my current insurance company as well as my previous one. They also stated that I'd be responsible for " catching up '' the insurance escrow on my home. 

When I called to make my mortgage payment today, they'd jumped the monthly payment up by over {$700.00} in an effort to get me to pay for their mistake. 

I also called my previous insurance company and they stated that they had no record of receiving any payment from LoanCare. This is fraud and it's horrifying because this mortgage company has the ability to foreclose on my house. 

I'm trying to work on correcting this with LoanCare, but their computers are - as usual down - and hold times are over 90 minutes. 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 2021-04-02 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: ECMC GROUP, INC.
State: GA

Complaint narrative:
I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XX/XX/XXXX and XX/XX/XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00}

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