vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I cant my link my debit card to paypal after 180days so i can withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Affected by Natural or Declared Disaster ( e.g. COVID-19 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XXXX I initiated a dispute with the credit bureau regarding unverfied accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of the investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my intial dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: GA

Complaint narrative:
On XXXX I initiated a dispute with the credit bureau regarding unverfied accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of the investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my intial dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX, I was logged into my Wells Fargo account. There was a banner that said something along the lines of " Do you need mortgage forbearance? Click here to learn more. '' I didn't need it, but I clicked anyway out of curiosity. Unfortunately, that simple click notified me that I had been put into forbearance. I called Wells Fargo repeatedly ( after staying hold for at least 30 minutes each time to get a hold of someone ) to ask them to remove the forbearance as it wasn't necessary for me at the time. Each time I spoke with someone, I was assured that there was no risk to my credit and that they " simply moved the payments to the end of the loan term ''. I still tried to get it removed to no avail. 

Fast forward to now, XX/XX/XXXX and I am trying to refi my mortgage through another broker. I am now being told they won't consider offering us a new loan because of said forbearance. This will cost me real dollars as it was a no-cost loan at a much better rate than I have now. 

I've since learned that Wells Fargo was being paid by XXXX XXXX  and/or XXXX XXXX to put customer into forbearance.

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 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX XXXX cash app closed my account for no reason I asked them what the reason of them closing my account they just said it was a violation I have money on my account I been trying to get this money off my account for a month I was told to cancel my debit card and get a new one and I should be able to cash out so I did so and it still would let me cash out it said I need to talk to support so I sent a email never got a response so I made a new account and they connected me back instantly since then cash app been giving me the run around Ive talked to many different people that work for app through email and over the phone Ive asked to speak with a supervisor and they refuse to give me one to talk to all I want is my money off the account please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: DISCOVER BANK
State: CT

Complaint narrative:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
NMAC ( Inquiry :XX/XX/2019) add a hard inquiry on my credit reports. I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hello, In XXXX my personal information was stolen from me, ID, social security card, debit card etc. 
I was notified by Santander that there was suspected fraud activity on my account, I immediately closed the account and began investigating. I took this matter to a local police station after speaking with a branch representative in person. 
Nothing like this has ever happened to me an I was a bit confused during the entire process. 
After receiving my DC number DC # is XXXX XXXX XXXX I gave this information to a fraud investigator who works for Santander.

He was not helpful at all, I was told to wait it out after I paid the balances due. 
I was told to pay these balances before they went to my credit I expressed to the representatives and police that I was unaware of what actually happened, I wasnt treated as the victim. 

Today in XXXX I am still being held responsible for this matter, and I am unable to open a bank account which is stopping me from expanding my business and buying a home. 
I just want to do what I need to to remove this matter from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I noticed a hard inquiry by Capital one on XX/XX/XXXX on my XXXX  credit report. I did not apply for any bank loans/credit cards. I called Capital One XXXX on XX/XX/XXXX XXXX directly to let them know and to find out who gave permission for this inquiry. Capital One was unwilling to provide any information. I was directed to write a letter explaining what I already explained by phone. I explained that because I did not do this inquiry that it means there must have been a sign of attempted identity theft. Capital One stated that they could not provide me with any information about the inquiry of XX/XX/XXXX. I then contacted XXXX, whom directed me to call Capital One and request a letter of deletion and an authorization letter. I explained that I called Capital One already and they did not provide me with any information and I was told that I did not appear on their records as someone who applied for Capital One credit card. Thus, calling them to ask for these items would be futile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Account Number XXXX I have requested validation regarding debt owed to Portfolio Recovery multiple times. The last time was in XXXX. Instead, the company has been sending information they obtained from XXXX  XXXX with no signature showing that I agreed to pay Portfolio Recovery the alleged debt. I have request copies of documents ( not old XXXX  XXXX bills XXXX with my signature to serve as verification of the said debt owed. Under the FDCPA, I have the right to request a copy of contractually obligation, with my signature agreeing to pay this said debt. Additionally, the statute of limitation in the state of SC for credit card debt collections is 3 years and a copy of the notification sent to me from Portfolio Recovery ( after requesting validation-a bill, not validation/verification with my signature agreeing to pay them ) is dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Receivables Performance Management, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2020, RECEIVABLES PERFORMANCE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA RECEIVABLES PERFORMANCE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-02-16 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Neither Transunion or XXXX  gives you access to your credit report online through the website XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I applied for a {$40000.00} to consolidate credit card debt that was mostly incurred due to a job loss from a 23 year employer. I used XXXX XXXX and the approval rating was 90 % that the loan would be approved. I provided all information they requested and was turned down for credit card debt. First, I was paying off the credit card debt and secondly, this debt was available to them when I initially went through the prequalifying process. I have no delinquent credit on my credit report, I have a decent credit score and only one inquiry from last XXXX. There is no reason that this loan should not have been approved. However, it was and now there is an additional inquiry on my bureau that would not have been there had I not been led to believe the loan would be approved. I did respond to the company and explain this with no response. I am complaining about their marketing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the Experian credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with XXXX that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( mrs XXXX XXXX to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( mrs XXXX XXXX called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing XXXX XXXX for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, XXXX is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.

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 2021-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had a " soft pull '' of my credit done by a lender that I am considering for a mortgage. Upon reviewing the copy of my credit report I noted an issue noted by two of the major credit reporting agencies. The reports state that one of the " Key Factors that adversely affected my credit score '' is that there have been " Too many inquiries in last 12 months. '' Who is pulling my credit to cause this? I have not applied for credit cards, cars, etc. I am very concerned about identity theft as a result in addition to being miffed about my credit scores being affected. 
Please advise.

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 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I purchased a power cord for {$31.00} from XXXX XXXX XXXX XXXX using my Discover Checking ATM Card, and was sent someone else 's partial order. I called XXXX to rectify the problem as was told that they would overnight me a cable and issue a call tag for the wrong items I received. I did not receive the cable I originally paid for, and followed up with a call. I was told they could not help me further. I tried to contact corporate by received not correspondence back. 

I then proceeded to start a chargeback claim with Discover Bank on the basis of fraud. I was told twice by them that they could not help me because Regulation E did not protect me if the merchant sent me the wrong item. 

Discover is allowing this fraudulent charge and not protecting me as a consumer and customer. I have banked with them for over 2 years and have been an outstanding customer. I would like to proceed with a complaint against Discover Bank for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
ON XX/XX/2021 I received two emails from from Remitly stating my request to increase transfer amount had not been approved. I attempted to sign on to my account account through the Remitly App and received a pop up message that I need to contact customer service. I attempted to call on XX/XX/2021 but no representative picked up call. Later on the same day. XX/XX/2021 I logged on to Remitly website and used the chat function. The representative told me my account had been terminated but offered no explanation as to why and refused to do so. 

I had only made three transfers. Two from an account in the United States held by my spouse and me to an account held by my spouse. The other from the same account to the landlord of a family member. 

I need an explanation as to what led to the termination of my ability to send transfers so and explanation can be offered. 

Second I need the ability to get into my account so I have access to the receipts from transfers I have completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Neither XXXX or Experian gives you access to your credit report online through the website XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had wells Fargo accounts that were opened that I was not aware and being deducted from my only account I thought I had they were going statements going to a po box money market is as etc. then I found out I have a mortgage with XXXX under my dad 's name with one of my stolen passports and now XXXX is using my dad 's name under my social and 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 2021-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
First Advantage located at PO Box XXXX, XXXX, IN XXXX has performed a background check for a job I am onboarding to. There is erroneous information relating to a previous address I never lived at. 

This needs to be investigated. I fear fraud might be in play.

Company response to consumer: Closed with explanation