vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
In the fall of XXXX, Fulton Bank ( " Bank '' XXXX had a written promotional bonus offer pursuant to which it would give the customer a {$120.00} bonus if the customer opened a savings account by XXXX XXXX, XXXX, deposited {$1000.00} or more of new money into that account within 60 day, and maintained a balance of at least {$1000.00} on the XXXX day after account opening. Specifically, the Bank stated that it would " credit one {$120.00} bonus to your savings account if on day 60 after account opening you have a new money balance of at least {$1000.00}. '' I opened a savings account on XXXX XXXX, XXXX. The Bank confirmed in writing and over the phone that I opened the account that day. In the phone call, the rep. with whom I spoke stated that I had fulfilled all the terms of the offer to that date. Also on XXXX XXXX, XXXX, I arranged for a deposit of {$1000.00} into the new savings account via ACH withdrawal from XXXX of my other bank accounts. The Bank credited that money to my new savings account on XXXX XXXX, XXXX. 

I maintained that balance in that account throughout the XXXX period, which ended on XXXX XXXX, XXXX, and beyond XXXX it is still there ). Nevertheless, the Bank has failed to credit my account with the promised {$120.00}. On XX/XX/XXXX, I called the Bank to ascertain the status of the bonus. The rep. with whom I spoke stated ( after putting me on hold for XXXX minutes ) that the Bank had no record of any applicable promotion and that someone from the Bank 's " sales '' department would further research the issue and call me the morning of XX/XX/XXXX with a further update. Nobody from the Bank called me on the morning of XX/XX/XXXX. Also, immediately after my XX/XX/XXXX phone call, I sent an email to the Bank 's XXXX XXXX. VP in charge of XXXX Banking and the head of the branch in charge of my account, describing the issue and asking them to do what they could to expedite the deposit of the bonus into my account. Neither of them XXXX nor anyone else ) has responded to that email as of this time.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, I bought four airline tickets for a trip from XXXX XXXX to XXXX XXXX on XXXX airlines. I used XXXX to purchase the tickets. The total is {$160.00}. 

The trip was scheduled in XX/XX/XXXX, and cancelled because of the pandemic. Yesterday ( XX/XX/XXXX ) I began discussing rebooking the trip and discovered that XXXX stopped flying in XX/XX/XXXX. XXXX is now in bankruptcy in XXXX their web site and phone numbers are disconnected. 

Chase bank refuses to allow me to dispute the charge because they claim I had to do that within 60 days ( of what is not clear ). XXXX says I can use the credits but only on InterJet ( which is never going to fly again ). Chase 's Travel Insurance recently stopped covering bankruptcies and insolvencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered that Wells Fargo Home Mortgage, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. Wells Fargo, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. Wells Fargo was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against Wells Fargo.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UT

Complaint narrative:
I made a payment in full on my account on XXXX XXXX, 2020 for {$1600.00}. the amount was deducted from my bank account XXXX XXXX, 2020. The amount appeared again on the next months statement and has continued to do so since. I've tried many times to resolve this with Synchrony and keep getting told to wait 1-3 billing cycles to see if it resolves. It is XXXX affecting my credit and we are trying to prepare to make a home purchase. This needs to be resolved immediately as I've been trying to allow Synchrony to do so for several months.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021 I contacted Equifax dispute department now the week before I contacted XXXX dispute department and pointed the problem out and the United States Department of Education student loan acct was removed. As I spoke with the lady and told her the acct one is being reported on when the government suspended all student loan activity due to Covid last year. This actual acct hasn't had any activity since XXXXwhich is ten years ago and should be removed which it was from XXXX but, Equifax will not put forth the proper due diligence in the matter. I continuously am given the run around. The information isn't accurate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, my name is XXXX XXXX. 
I have a PayPal account with PayPal email ID as below : XXXX I have put my XXXX name XXXX XXXX at the time of creating this account and now they ask for my legal name, so I already provided them with my proof of address and Identification. 
The PayPal company hold my money since XX/XX/2020 and they want to hold it for 180 days!!! 
Whats the reason to put me in this pandemic under the financial pressure. 

I owe this email and this PayPal is for me so they have to release my money ASAP. 
They never answer the phone and never reply to my email with the solution. 
They make me crazy. 
I am so concerned and disappointed. 

Please help me Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: CT

Complaint narrative:
On XX/XX/2021 I sent to letter of verification to all three company 's and did not get a response back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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:
On XX/XX/2021 I submitted a Identity theft report and an affidavit of fact to Equifax letting them know that four accounts under the name of US DEPARTMENT OF EDUCATION is the result of identity theft and that the information is not blocked in error. Today is XX/XX/2021 and the accounts have not been removed from my consumer report. Equifax is in violation of the FCRA law as they had four days to block the information from my account. Instead they said that they completed an investigation and the " Creditor '' said that the account is accurate. According to 15 USC 1692a ( 4 ) I am the creditor. Pursuant to 15 USC 1681c2 - Equifax is supposed to ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Which I gave Equifax all of the documents they need. Instead of complying with the law they started an investigation. I never asked for an investigation to be conducted. Equifax is supposed to notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

I have told Equifax what the law says and still they are telling me the accounts are accurate and are mine although I have told them the accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
To whom it may concern, Paypal closed my account of 8 years for no reason and refuse to assist me with resolving the issue and re-activating my account. 
I am uncertain if this an error on their behalf as I assume it has to be. I have not been able to get help from them and My lawyer recommended to file a report on this platform. 
It is clearly evident that there is an element of unprofessionalism and this is directly impacting me a great deal as I used paypal quite frequently for the past 8 years. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
traffic citation on XXXX in XXXX amount : XXXX euros full balance paid on XXXX account status : XXXX balance owed, closed Collection comapany : Cedars Business Services said no payments were made and attempt to collect balance of {$510.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: FL

Complaint narrative:
I have a {$1300.00} derogatory mark from XXXX XXXX on my Equifax, according to XXXX XXXX, that was opened on XX/XX/XXXX. This is inaccurate reporting. The last time I had lab work done prior to XX/XX/XXXX, was in XXXX of XXXX. This should have been covered by my insurance XXXX Either way, I've received no bills for this lab work. 

I have tried to file this dispute with Equifax, but every time I attempt to log in online to dispute, I get the error message " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' Every time I call, I'm referred back to trying again online within a day or two, or that their " systems are down '' and to try calling back in a few hours. Sometimes they are " unable to verify my identity '' and won't let me proceed. 

I am tired of the cat-and-mouse game with Equifax. Because of them and inaccurate insurance reporting, my credit score is suffering. I'd like to get this dispute settled but I can not if I can't get past the first step of opening a dispute. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/2021, I sent to XXXX XXXX, through Venmo, a company dedicated to transmitting safe, fast, social payments, {$300.00}. As required by Venmo for verification purposes, I provided XXXX telephone number. 
Venmo did not pay XXXX the {$300.00} because her Venmo account was frozen due to activity that triggered security alerts. As suggested by a Venmo agent, I paid XXXX the {$300.00} outside of Venmo, by check, and requested reimbursement of the money by Venmo. Venmo has refused to reimburse the money because it allegedly paid a different XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I deposit a check at BB & T Bank on XX/XX/2021. They advise me that the funds would be available on XX/XX/2021 because its was a seven day hold. On the XX/XX/2021 after I deposit the check I was advise that my account will be close due to fraudulently activity. In funds will be available on the XXXX and I have 10 business days to withdraw funds or they will mail me a check. Went BB & t on the XXXX was advise that cant receive funds because it wasn't collect from the bank check was draw under. I waited the proper time frame now they telling me I need to wait addition three business days. They advise me that one individual is in control of me receiving me funds and I have to wait. Just don't understand if I waited the proper time frame. Contact that party that issue me the check and they advise me that the check was cash. Its a inconvenience at this point my bills is due we in the middle of an pandemic and I need my funds.

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 2021-03-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated XXXX and XXXX as agreed but did not update equifax. Instead, a late payment for XX/XX/XXXX was added to my equifax report. This was impossible because because the account closed in XX/XX/XXXX. 

I sent them several emails requesting that equifax be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my experian report and the late payment for XX/XX/XXXX was still showing on my equifax report. 

I called again and no one would help me. I sent another email and received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: OH

Complaint narrative:
I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated Experian and XXXX  as agreed but did not update XXXX. Instead, a late payment for XX/XX/XXXX was added to my XXXX report. This was impossible because because the account closed in XX/XX/XXXX. 

I sent them several emails requesting that XXXX be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my experian report and the late payment for XX/XX/XXXX was still showing on my XXXX report. 

I called again and no one would help me. I sent another email and received no response

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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Accounts, Inc.
State: MD

Complaint narrative:
I am a resident of Maryland and being around the DMV, my entire life. After high school, I decided to join the XXXX, upon my graduation from high school in 2016. My recruiter was stationed in North Dakota XXXX, according to the timing for deployment that was the earliest. I drove to North Dakota met my recruiter her name was XXXX, she advised that I should be in North Dakota for some preliminary training before deployment for approximately three months. She recommended and drove me to XXXX XXXX apartments in XXXX for a short-term rental, the rental was for three months and We had anticipated I could be XXXX within the time frame. I did get XXXX within the time frame and left for XXXX XXXX. Returning to my then station, check my credit and realized XXXX XXXX had sent my name to XXXX XXXX for owing rent. I explained that I am exempt under the XXXX XXXX XXXX XXXX, but theyve kept this wrong information from XXXX till now. Every time I call, I will be treated with gross respect and insubordination, they will insult me calling me all sorts of names. Reiterating they will never take this wrong information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX2020 an unauthorized transfer of {$4700.00} was taken from my Capital One Savings account by someone that I do not know. It was transferred to XXXXXXXX XXXX. I have never had an account at XXXXXXXX XXXX and did not create this external account. Capital One refuses to reimburse me because they say I participated by allowing remote access to my computer. I did not knowingly or willingly participate in this transfer of my funds or authorize any access to my bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
I am coming to the end of my forbearance period on my VA-backed loan serviced by Freedom Mortgage. On two separate occasions, I called and asked about my post forbearance options. After conducting additional research, I found out both the Cares Act and VA policy allow for loan deferment with the amount owed being placed in an interest fee account. Right now, Freedom is only offering Loan Modification or a 12 month repayment plan of what is owed.

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 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/2016, my wallet was stolen. Previously I have lost my Police Report but now it found. My cards were listed as stolen when your company bought my debt. I have already paid you most of the debt and I want to resolve the issue without a trial. I do not intend to make payments anymore, and if you do not cease collecting the debt, I will go to court, with the involvement of the bank, who did not send me a new card in return for the stolen one, did not close my account and sold the debt on the stolen card.

Company response to consumer: Closed with non-monetary relief