vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Late in the evening of XX/XX/2020 and into the early morning of XX/XX/2020, my computer was the subject of a brute force attack to gain access to my computer. Shortly before XXXX, they were successful in gaining access to my computer. They then proceeded to access my PayPal account and make two transactions in the amount of {$190.00} ( {$390.00} total ). I filed a fraud claim with PayPal which was quickly denied due to the transaction looking like a normal transaction. My typical transactions are almost always under {$100.00} and any that are over are made to major companies not individuals. On top of that the transaction was made using an address that was removed from my account a while ago. 

The transactions included an email for the " seller '' so I went ahead and emailed the address and got a response confirming that they had not initiated the transaction and had also reported it as fraud. Since then I have still been trying to get into contact with PayPal to try and get this resolved but have been unable to get a response from them in 3 days. 

I have saved the event log that details the attempts to brute force my computer ( It is apparently too large of a file to upload however ) and have the email thread of my conversation with the " seller ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I received a mortgage forbearance on my property in XXXX due to covid related reasons. Fay serving stated that the forberance period would be for three months but I have not been contacted on how these payments will be handled at the end of the forbearance period. The investor on my loan is a XXXX XXXX and not a GSE so I am concerned of a sudden balloon payment at the end of the forbearance. 

The online information on my account is rather terrible and not congruent with paper statements I have been receiving. There is also a fee/charge on {$430.00} on my paper statement that Fay has never explained and have told me in previous conversations would be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, I contacted chase regarding a refi and cash out of equity. 

I signed the documents and waited for the next steps. ( see attachment EmailstoChaseLoanOfficer ) I continued to plead to Chase to return my {$500.00} because a chase partner antagonized me and with in insinuation disrespected me. additionally, Their appraiser decided to cancel the appointment under 2 hours of when I was expecting him because I refuse to answer questions ahead of time. A week had lapsed and no one from Chase reached out to me. 
I spoke to someone in escalation and they also stated that I would not get the {$500.00} returned. 

Pressing to have money returned I was told to write to the Executive Office and make reference to XXXX. I wrote the letter and opted to fax it instead of mailing it fearing it would get lost in the ongoing Covid19 Pandemic ( and just about everyone is working from home and the wait times are literally hours to speak with someone ). 

However, the fax number given by a Chase representative XXXX was not a fax number and as a result my letter to Chase was not sent. I just could not deal with the frustration. I am an essential worker and have to report to work daily, not working from home - everything I had experience up tp this point was just too much and it continues to be too much. Before all the unrest across the world, I made it known to Chase of the disrespect that minority neighborhoods continue to experience but we continue to be lost in unfair practices. 

attached is my initial correspondence explaining to Mr. XXXX what transpired between myself and the no show appraiser.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : U S DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
The beginning of 2019 we started receiving phone calls that we were behind a payment on our mortgage. We asked what payment they were missing as all payments have been made. They were unable to provide this information. In XXXX of 2019 they began assessing a late fee. And are still unable to explain what payment they are missing.

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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : U S DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX XXXX   XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX  XXXX  XXXX/XXXX  XXXX XXXX  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 explanation
Consumer complaint received 2020-06-02 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, 01 XXXX XXXX, 01 XXXX XXXX, 07 XXXX XXXX, 08 XXXX XXXX XXXX  XXXX XXXX XXXX, 08 XXXX XXXX 08 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  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 explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I called MoneyLion because their app was not working correctly to process missed payments via Debit Card as usual. When you add the payment method and attempt to make the payment, the following error occurs : " It's not you, it's the internet! Looks like your request timed out, let 's try again! 

I called and was advised that only a supervisor was able to process debit card payment yet, no supervisor was available. It took 3 hours to get a supervisor. Then the supervisor who called me was still not able to assist me as she stated that her access was limited. I then was transferred to another supervisor after over 30+ minutes. The supervisor was rude with an I don't care attitude when I tried to share my experience with her. I told her that I needed to process my missed payments with debit card, payoff loan, and withdraw from investment account as I was assured that this could be done on a recorded line. The payment for membership was processed first. She then processed the loan payoff. However, I don't think that she processed the missed payment as she should have because it is still showing missed although the loan is paid off. I did the withdrawal successfully. 
However, when I tried to apply for a new credit builder plus loan, I get a message that says, " It's not you it's the internet! Looks like your request timed out, let 's try again! '' My app is up to date, I have signed out and signed back in, power cycled my phone, and closed and reopened the app. I advised the agent of this and she didn't seem to care as I was did this all because I needed a new loan that is now not working for me and I still have yet to receive assistance with this issue. She advised that she opened a case with engineering ( XXXX  ). 
I can use XXXX but the repayment date is wrong which I have seen this happen before as well. This company is not ran well. I was on the phone for over 3 hours collectively yesterday with transfers and hold time only to still not have a resolution. 
I called back today and so far the same experience when calling when they opened at XXXX Eastern and so far I have been on the phone for over an hour with nothing accomplished. I am listening to hold music while I type this complaint that has not been addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I canceled my Chase United Presidential Card to switch the the Chase Sapphire Reserve Card ; I was told on a recorded call I would have the prorated amount of the United Card refunded. After several week went by, I called again. I was told, again, on a recorded line that ~ {$260.00} would be credited to my card. After a week went by, no credit appeared so I called yet again. This time I was told there would be no refund of the amount and it didn't matter what I had been told on the recorded line because Chase had no intention of refunding the annual fee. Obviously, if I had been told truthfully I would not have the pro-rated fee refunded, I would have kept the card open to continue to use the benefits I had paid for. Chase continues its borderline criminal behavior in the middle of a pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I can not link my XXXX account with my PNC bank account anymore. I was originally able to send money using XXXX and my PNC account but can not anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX and XXXX response is the same and does not resolve anything. You placed it on my credit so you are responsible for the dispute/removal. This is a dirty tactic and placing the blame to the credit bureaus when it is your responsibility to ensure items are taken care of properly since you did this without notifying me. The CFPB needs to do a full investigation into this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: EQUIFAX, INC.
State: WA

Complaint narrative:
The name used on my credit report said XXXX, XXXX I have never used this name before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The name used on my credit report said XXXX, XXXX I have never used this name before.

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 2020-06-02 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW 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 2020-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: PA

Complaint narrative:
I am asking to provide me with verification of documents that clearly identified that the following collections accounts belong to me. I am asking you to get the correct documents. I have reached out to all of the following collection agencies and every one of them sent me one bill that it appears to be from a creditor that doesn't list anything but my name on them. That is it. It doesn't show a social security number, a contract or anything showing that I opened these accounts. Credit Reporting agencies are required to report factual information only. The reporting of non factual information is against the law. Please, Please provide me verification of these documents truly belong to me a I am getting nothing from these agencies but a bill with my name on it. That is unacceptable. If you can not get what I am begging you to get, please remove this information from my credit reports. I request this information for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I attempt to use Amazon Pay to pay for products on XXXX XXXX   website. The transaction failed but it was recorded on Amazon Pay and charged back to the Amazon Store Card provided by bank Synchrony bank. Amazon Pay stated they refunded the money ( {$1000.00} ) but Synchrony bank stated they did not receive the refund from Amazon Pay and I will need to pay the amount. I did not receive any goods from  this transaction but I am being forced to pay for it by the bank ( Synchrony bank ).

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
the company scammed me into getting the card. i had to file a complaint with you already. i was waitimg for a resolution to the complaint so i did not pay any of the bill. the complaint was resolved in my favor so i called tto pay the balance and i was in collections. i then paid my card and closed my account. now i have nefative credit because of it. i called and XXXX employee number XXXX said they could only called the risk review dept and the would not respond for 30 days.

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 2020-06-02 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: GA

Complaint narrative:
EQUIFAX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX has pulled my credit without my consent. I called them and they said that they did not pull my credit but credit report shows otherwise.

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