vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AR

Complaint narrative:
I have a had a cash app account prepaid and somehow a person added themselves to my account that I do not know transactions were made that I did not approve and cash app closed my account after me asking them about whomever it was it was added to my account and now they are saying I'm disputing the charges and taking money out of people 's accounts that I sent it to I tried resolving the problem with cash app because it was unauthorized activity on my card as well as unauthorized people on my account that I do not know and furthermore I'm having to deal with family members and whatnot who I paid or loan money to where I owed money for babysitting too having money taken directly out of their account that I sent them and I don't know how that's even possibly legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MT

Complaint narrative:
I've been working for non-profits for over 10 years and have dutifully been working with my student loan servicer on PSLF and the temporary PSLF processing. To their credit, over this past weekend they updated my account and four of my 12 student loans are eligible for forgiveness. I'm humbled and grateful. But I have qualifying and eligible months that they haven't acknowledged that could knock out most of my other student loans. My three employers have certified my uninterrupted employment since XXXX The servicer has the completed forms from my employers, and their website acknowledges the past several months as " eligible, qualifying payments '' yet, they still are listed as " requiring employer certification '' when in fact, as I stated, the servicer has the certifications and has already approved many of the months listed on said certifications. It's frustrating that they counted some months of my employment and not others - when all are equally valid and my employment with qualifying non-profits has been uninterrupted. Can not get my servicer to answer the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
XXXX IS REPORTING FRAUDULENT DEBT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: PA

Complaint narrative:
Greetings, I have filed a complaint multiple times about fraud and Identity theft on their online platform. I have called and mailed disputes about the issues numerous times. I also have a police report about the matter. 

All three credit Bureau 's enabled the false reporting, after I expressed the issue to them, and they still continued to allow the false reporting Ignoring the FCRA LAW. 





INQUIRIES ( IDENTITY THEFT ) XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX( XX/XX/XXXX )XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ( XX/XX/XXXX ) ( FALSE ) ALLEGED DATE OPEN : ( US DEPT ED XXXX ) DATE OPENED : XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX DATE LAST ACTIVE XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XX/XX/XXXX ( NOT MINE )XX/XX/XXXX Account Number : XXXX ( WRONG INFO ) XXXX XXXX Account Number : XXXX. 
( NOT MINE ) XX/XX/XXXXAccount Number : 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 2022-07-05 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX   i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: CT

Complaint narrative:
Equifax continues to report the same errors on multiple accounts XXXX XXXX is reporting as current with payments and it's been closed since XXXX this shouldn't be on my credit report each bureau continues to report erroneously on an account called XXXX. it was never legally validated and equifax is reporting the DLA as current. all bureaus have different information for a dLA. this should be deleted XXXX XXXX is closed with an erroneous late payment which wells can't find, and equifax reports this as current with payment activity after the close date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Have had a TJ Maxx-Synchrony Bank credit card account for over 20 years. Since the middle to end of XXXX there has been a problem with Synchrony Bank receiving mailed payments in a timely manner even though payments have been sent at least 1 week in advance of due date. The first late payment was resolved in XXXX XXXX as they reversed the late charge and finance charge. At that time I moved up the time of the mailing of my payments to approximately 2 weeks which is about 1 week after receiving the bill from Synchrony. For the XX/XX/XXXX bill I was charged another late fee and finance charge. The total of the XXXX bill was approximately {$4100.00}. The previous balance was {$2100.00} and was not received even though sent in timely manner. I put a stop order on {$2100.00} check and reissued and sent certified mail. That check was received XXXX XXXX, XXXX. I sent current balance check approximately XXXX XXXX, XXXX. That check was posted on XXXX XXXX, XXXX. Synchrony applied an additional late fee and finance charge since they stated it was due XXXX XXXX, XXXX. Called Synchrony and agent said they couldn't reverse charges since their computer system wouldn't allow her to do it. I have filed a complaint with Synchrony Bank and NY State as Synchrony continues to charge late fees and finance charges on a disputed amount/charge. I have since cancelled my Synchrony card as of XX/XX/XXXX and closed the account. Synchrony has provided a letter to that extent. Am looking for Synchrony to reverse the bogus charges.

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Fake email asking for {$490.00} for " XXXX '' purchase through paypal INVOICE XXXXXXXX DETAILS Paypal Team DUE XX/XX/2022 {$490.00} Print or save Powered by XXXX  Dear Customer , Dear Customer XXXX We congratulate on your fist purchase through PayPal.We wanted to inform you that {$490.00} has been authorised by you for purchase of Bitcoin.This amount will be debited from your Bank/Credit Card/PayPal Wallet XXXX 
This charge will appear on your Bank/Credit Card statement as PAYPAL-COINBASE by next 24 hours.

If you want to report or cancel this transaction contact our customer support ( XXXX ) XXXX immediately. 
Bill to Dear Customer Terms Due on receipt Sales {$490.00} Bitcoin Purchase ( XXXX ) XXXX X {$490.00} Balance due {$490.00} Print or save Paypal Team XXXX Totters XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XXXX If you receive an email that seems fraudulent, please check with the business owner before paying. 

XXXX XXXX XXXX All rights reserved. 
Privacy | Security | Terms of Service I have attached but did not open fake invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I have been disputing erroneous items in my credit for quite some time and I have not received any response from the bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On or about XX/XX/2022, Bank of America closed my small business checking account. The bank did not provide a reason as to why it closed this account. 

On XX/XX/2022, a client of mine paid an outstanding invoice via XXXX to the account, which had been closed a few weeks earlier. Bank of America accepted these funds, but has never given them to me. The funds did not return to my client. 

Bank of America has my money and despite many hours spent on the phone, is unable to tell me what happened or where my money is.

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2022, I received a letter in the mail addressed to me, saying that on XX/XX/2022, I had requested to decline the Overdraft Coverage for my account ending in XXXX for ATM and everyday debit card transactions. In this letter, it states to call the TRUIST bank at XXXX if I did not initiate this request. This letter was from the TRUIST Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. 

I proceeded to call them after the holiday on XX/XX/2022. I called their Account Security Department at XXXX and spoke with a female. The call was being recorded. She continued asking me for my social security number, and I said I will not be giving that to you. Then, she said the ONLY way to resolve this issue is to stop at a branch and speak to someone in person. I said, " I live in Illinois, and you do not have a branch here or anywhere close to me. '' She then proceeded to tell me that this is the ONLY way their company has set up for things like this. I had no choice but to end the phone call because I was getting nowhere with this lady on the phone.

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
On XX/XX/2022 I had a charge of {$900.00} made on my card from XXXX. 
I do shop on XXXX but I never spend more than {$200.00} on XXXX. This charge was not authorized by me, and the charge did not even come from my XXXX account as I checked the recent purchased. I have disputed the charge with Current ( XXXX XXXX XXXX, XXXX FDIC ), and they did not resolve in my favor. I did not authorize that transaction and the bank just let someone make a fraudulent charge on my debit card. I just wrote up an appeal letter and I will have an affidavit signed and notarized and have it certified mailed to the company. I do not condone fraud all I want is my {$900.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: AL

Complaint narrative:
I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This company is reporting inaccurate information to the credit bureau and illegal reading the account. The card was charged off in XXXX and is reportedly XXXX which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Unbeknownst to me, Portfolio Recovery Associates , LLC. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that Portfolio Recovery Associates has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX Clerk of Courts website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement Portfolio Recovery Associates posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I have been disputing erroneous items in my credit for quite some time and I have not received any response from the 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 non-monetary relief
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I have been disputing erroneous items in my credit for quite some time and I have not received any response from the 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 non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ALLIED MORTGAGE GROUP
State: FL

Complaint narrative:
Mortgage went up {$200.00} Its a fha loan mortgage company wont work with me

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation