vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Paypal is closing a dispute in the merchants favor despite no response from the merchant to Paypal and proof provided by me - from the merchant - that the product wasnt sent and Im promised a refund. Are bots controlling paypals dispute process? Attached is the exchange : Case closed Case ID : XXXX The outcome of the case was not in your favor. 

Case details Dispute Reason Item not as described Case Status Closed Case Resolution Decided in seller 's favour Seller information XXXX XXXX XXXX Transaction amount {$100.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX, NJ XXXX United States Invoice ID XXXX Date reported XX/XX/2020 Your notes I paid for FOUR of ( 2 pack ) XXXX  XXXX, 3lbs Beach Sand for Ages 3 and Up ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages. 
File XXXX Additional info Item issues Missing Parts Refund requested {$27.00} USD Item description https : XXXX Your responses Date added XX/XX/2020 Your notes Reference # : XXXX Response email ( XX/XX/2020 XXXX XXXX  ) Hi XXXX, A great day for you XXXX, I thank you for contacting XXXX  My name is XXXX, for me it will be a great honor to assist with your request. 
Please accept my sincerest apologies, as this is certainly not the level of delivery service we would like to provide to our Customers. 

In order to assist you properly allow me to offer you refund for your missing items 4, allow me to kindly explain you, I can process a refund for 2 items ( 2 x 2 units = 4 items ).

Your refund will go back to the original form of payment method within 5 business days. 
Im very sorry for this inconvenience. Allow me to kindly inform you, I'm not allowed to process a replacement due to these items are out of stock at this moment. 
If you agree with this procedure, please be kind to let me know. 

I will be pending on your kind you response. 

Regards Sincerely, XXXX XXXX XXXX customer care. 
XXXX, XXXX  File Re : [ EXT : Fwd : Some items have shipped : XXXX XXXX, 3lbs Beach ... ] .pdf Your conversation with the seller You I paid for FOUR of ( 2 pack ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages. 
XX/XX/2020 at XXXX XXXX PDT

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} {$7700.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a loan with a company called Oportun. 

They do not provide ANY statements and/or information AFTER you sign for the loan. You can not access online how your payment is applied to your account. 

I have

two other personal loans, and BOTH of them reflect every charge, and every payment online. I can not get any statement from Oportun in writing or online, and two months ago they reported me as being late {$18.00} on my credit report - yet I h
ad no letter from them informing me of this in advance - clearly I would have rectified that!!! 

Also, I accidentally said yes keep my bank card as the default payment, and it gives you no option online to UNDO that!!!! Their service and structure is basically in XXXX, and their " shell company '' is addressed in California. 

Frankly, I do not think this company should be allowed to do business in the United States. On their web page - it says that you can pay by your bank account, and that does not work, and also the site says that is is secure - but there is no https in front of their web address. 

If I try to call to get any help - I can very rarely get ANYONE that speaks English as their native language. To date - I have not received ANY account statements ; any online account information that covers payments, interest, late charges, and during the COVID-19 issues - their words over the phone were VERY confusing, and not VERY helpful at ALL. 

And to even reach a person there - it's many numbers and steps, and you are basically sent to XXXX! 

I will NEVER borrow from this company again, but I feel as a United States Citizen - I AM ENTITLED TO MY ACCOUNT INFORMATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: MOHELA
State: CA

Complaint narrative:
This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. XXXX XXXX, new DL, new last name, will double XXXX XXXX XXXX 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) XXXX - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Escrow Inc

Complaint narrative:
Since the XXXX of XXXX I have been waiting for Escrow to pay me {$100.00}, they have charged me a {$20.00} fee but not paid me my funds. 

Escrow is saying that I am using a online account that they don't accept the disbursement method, however I have added my XXXX XXXX  details and now added my XXXX XXXX  details. These are not online banks, these are 2 of the biggest banks in the XXXX XXXX. 

I sent them a screen shot on the XXXX of XXXX and XXXX at support said on the XXXX XX/XX/2020 '' Hello there XXXX, This will be forwarded to our Review Team for proper handling. Kindly give us 1 business day to process and once feedback is available we will get back to you. '' And still nothing has been done, they just continue to ignore my email and contact with Support. 

The Support reference number is - [ # XXXX ] : Re : #  XXXX XXXX - XXXX sale for XXXX I hope you can help me with this issue? 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
I believe Equifax has truly done a disservice to me by ignoring to completely answer any of the disputes that I have sent to them. They have allowed for erroneous and invalidated items to remain on my credit report. I sent my first dispute to them on XX/XX/XXXX. They did not provide me any of the details that I asked for in the dispute but somehow " verified '' the accounts. They've also provided me very slow and delayed responses throughout the entire process. The other bureaus have already deleted plenty of these accounts. The last letter that I sent to them was on XX/XX/XXXX, requesting them to comply, which was sent because they are just now opening a reinvestigation, in XXXX, from a letter that I sent to them in early XXXX. XXXX XXXX notified me that they removed only one so far into this investigation. Bottom line is that they've opened an investigation based on a letter sent to them way outside of their time allowed to reply other than to comply with my demands. I have even sent letters directly to the companies reporting this information to Equifax and they have not been able to validate the accounts. As I stated before, other credit bureaus have received the same information that I've sent to Equifax and those bureaus have already began removing these erroneous items. This has been a terrible process due to their ( what seems to be ) automated replies. Equifax has continued to illegally let these companies report erroneous information. This negligent noncompliance needs to result in the disputed accounts being removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
My XXXX XXXX XXXX  reports show I have the following account with a limit of {$1700.00} and a balance due of {$100.00} : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX I do NOT have a PAYPAL CREDIT CARD! Please have this removed. I pay all my Bill 's and purchases with direct bank a count or credit cards, which I keep current or at XXXX balances ; those cards does NOT include a PAYPAL CREDIT CARD and I XXXX  the telephone number and everything says SCAM AND FRAUD! PLEASE REMOVE! 

Thank you, 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 non-monetary relief
Consumer complaint received 2020-05-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. New SSN, new DL, new last name, will double po box . 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. New SSN, new DL, new last name, will double po box . 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
Complaint Overview : Not only did you promise an interest rate of 3.25 % instead of 3.75 %. You were late sending the necessary documents & so I was left with late payments. 

Detail : I disappointed how they managed my proposed FHA re-finance. they stated numerous times, I wouldn't pay in XXXX and XXXX, because of refinancing, just to find out I got a bill on XX/XX/XXXX for both XXXX and XXXX. Not only that but after speaking with your end numerous times to, XXXX XXXX, he kept advising me that my interest rate would be lowered to 3.25 % ( compared to 3.75 % ). Paperwork that needed to be signed on time never came in time which resulted in a late payment fee. Of course when I find out about these fees and an XXXX bill, there was nobody to speak with because they the documents which notary public brought me was on Friday evening and all documents were inaccurate ( wrong Rate and closing cost ) and NOBODY! During this time, I tried to reached out to them in numerous methods. Phone calls, emails. Nothing worked! so signing fell in Monday XXXX.and it was already to late. 

So here during a Pandemic, I was left with broken promises. A promise that I was going to have an interest of 3.25 % vs. 3.75 %, closing cost of less than than {$2000.00} a promise that I wouldn't have to pay XXXX mortgage but they broke every promised they had made. Ridiculous! The biggest hit of all, I can't refinance again, because FHA streamline require at least 6 months of good payments. Rates are lower than ever, but I am stuck, since Village Capital & Investments, messed up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For some odd reason my XXXX score keeps going down with Experian. It dropped XXXX points and Im not even using any of my credit or had my credit ran for any reason but my score keeps dropping after all I did to pay it off to have it in a proper place. 
There is no reason for my score to drop. And being that I filed a complaint against them in the past I think that this is their way of punishing me for that. Because there is absolutely no reason for my score to decrease

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 2020-05-26 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: NY

Complaint narrative:
I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.

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 2020-05-26 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: NY

Complaint narrative:
I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: NY

Complaint narrative:
I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.

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 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
In XXXX of XXXX, Usaa bank and their " perferred partner '' XXXX XXXX XXXX pushed through a loan on a truck that was falsely advertised and in the contract was stated as a limited when it is infact not. The original loan assessor had declined the loan stating the vehicle was not at value and did not have advertised items. After 24 hours and a conversation I was not priviledge to the loan officer and the sales associates came to an agreement and the loan was granted. I became extremely skeptical about this but a new loan officer was attached to my account and I was sold a truck that is not what the sales company stated it was inorder to get the loan approved I believe the loan officer and the salesman came to an arrangement on the contract allowing it to go through. The truck is worth maybe 2500 in current condition and I am stuck with a XXXX loan. This loan was based on the trucks condition of good or very good when at best its poor. Stated there would be a new timing belt which couldnt be verified due to replacement sticker not being on case and without opening the case I'm having to trust their word. The lift was done incorrectly the power steering rack doesnt operate correctly, does not run perfectly, had tears in seatbelts, there isnt a tow package on the vehicle which was stated in thr loan, non alloy wheels, no bluetooth XXXX, and basically 80 % of the actual advertised truck condition was a lie.I tried asking what changed and why they approved the loan when I realized they forged documentation stating the truck was limited and it most certainly isnt. I havent been able to get either company to take responsibility and they both stated to take them to court.

Company response to consumer: Closed with explanation