vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: IL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate information on my credit report. To this day, over 45 days later, I have not received a response from Equifax and XXXX. This item was successfully removed/deleted ( XXXX XXXX XXXX ) from all three bureaus, and later re-inserted under a different name ( XXXX XXXX XXXX ) by Equifax and XXXX. I feel as though I am being taken advantage of and being ignored regarding my disputes. Section 611 ( a ) plainly states that failure to investigate the item within 30 days gives reason to immediately remove the item from my credit report. In my case, it has been over 45 days so it should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due tot he XXXX I have been caused. 

I also filed a CFPB complaint with XXXX XXXX XXXX company and received a response from them regarding this matter which I have attached to this complaint. It indicates that they had no role in re-inserting this once deleted account back onto my report under a different name and also advised me that because they had no hand in that, they were unable to remove it from my report. They apologized for the inconvenience this has caused me. 

On top of that, Equifax and XXXX are reporting this inaccurate and unverifiable information illegally. I have mentioned multiple times the inaccuracy of the term of months, high credit, last reported date, last active date and date of last payment on this item. This has caused me extremXXXX XXXX and has greatly hindered my capability of obtaining new credit. I have taken all necessary steps ( disputing with the bureaus directly, reaching out to the company directly ) & this is my last resort. Is it not fair and this item should be deleted immediately. 

PLEASE REVIEW ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: SC

Complaint narrative:
On XX/XX/XXXX, I submitted a certified letter to Equifax to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Equifax on XX/XX/XXXX. In my dispute I requested for the removal of seven unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. The Equifax website stated that my dispute was completed on XX/XX/XXXX. When I reviewed my inquiries online, all of the inquiries that I disputed were still listed. I then contacted Equifax via telephone to find out why my dispute of these unauthorized inquiries were denied, and I was told that I needed to contact the lenders who reported the inquiries which I had already done. When I requested a copy of the description of how the investigation was conducted, Equifax denied my request and sent me a copy of my credit report in the mail. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted to Equifax by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. I did not authorize any of the disputed inquiries neither did I have knowledge of these inquiries. Equifax denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Equifax violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
XXXX, XXXX, and Equifax are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

ACCLAIM CREDIT TECHNOLOGY OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
A website ( XXXX ) claimed to be selling bichon frise puppies for {$650.00}. I contacted them and had conversation with them about buying the dog. They said they required the {$650.00} and {$100.00} for some other fees. Then they said once the full amount of {$750.00} was sent that they would send a bill of sale to me and for me to sign it so they could ship the puppy to my immediately. {$500.00} was sent on XX/XX/2021 through XXXX XXXX Zelle and {$250.00} was sent on XX/XX/2021 through XXXX. I then received a fake bill of sale and I was told they took the puppy to the airport at which they claimed there was problems. They told me I had to pay the airport {$1200.00} to send the puppy but that {$1200.00} of that would be given back to me once I received the puppy. I also received a fake document saying this same information. When I tried emailing back asking to pick the puppy up myself instead of sending her on a plane but that is when they stopped emailing me. I called a phone number they gave me but it would just go straight to voicemail and they text me saying they could not talk. When I asked if my money was going to be sent back their response was yes obviously and I never heard anything back from them again.I contacted XXXX and they said they couldnt do anything since it wasnt through a business account. I called XXXX and they said they would do a claim on it but that I may not get my money back which I didnt because they claimed they could not do anything even though I have emails and claimed this with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX  Original Charges : XX/XX/XXXX : {$5300.00} XX/XX/XXXX : {$5000.00} Merchant Printed Garments, Merchant did not properly cure garments, resulting in total loss of product. 

Merchant Acknowledged improperly produced garments, offered zero refund or resolution. Complete loss of product. 

Merchant quit responding entirely XX/XX/XXXX We tried everything to resolve issues with merchant before filing a chargeback. 

Opened Chargeback Claim XX/XX/XXXX I mailed proof of damages, and admittance oXXXX XXXX XXXX XXXX negligence and ruined product. 

Current status of chargeback claim is : Researching Claim since XX/XX/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 monetary relief
Consumer complaint received 2021-03-30 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.

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 2021-03-30 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: DISCOVER BANK
State: TN

Complaint narrative:
Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and Discover. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 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: GA

Complaint narrative:
After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on Equifax, XXXX  and XXXX There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone number is XXXX XXXX XXXX XXXX This is the information you have requested from me so I'm providing it to you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We transferred {$4400.00} via ACH transfer from Bank of America to XXXX bank located in New York on XXXX XXXX. This was a payment to XXXX. It's been almost 5-6 months and still money didn't receive by XXXX. We are circling back and forth between XXXX and bank of America. Made 100s of calls and trip to their physical bank location. Finally we are getting in touch with right department of XXXX and they need technical detail ( attached here ) to trace back the transaction. We tried to contact both banks ( BOA XXXX XXXX XXXX and they both are asking to go to other bank. I don't even know if I receive it back. All I need is detail transaction information to trace back my money.

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 2021-03-30 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: CA

Complaint narrative:
On XX/XX/2020 I booked 3 airline tickets via XXXX using my PayPal Credit Card ( Now owned by Synchrony bank ). The next day I cancelled them and was issue a 100 % refund on the three tickets. 

There are 5 transactions on my XXXX account with regard to the three tickets. Initially I opened a dispute for two erroneous charges ; Synchrony initially reversed three charges and then later charged me all the transactions once again. 

I called XXXX and they confirmed that they only took 3 payments from the account and that all 3 have been refunded. Documents have been attached. 

I have been repeatedly calling, emailing and chatting with Synchrony representatives and there have been about 3 separate disputes and one account change for fraud. 

I'm tired and out of options. I hope the CFPB can help me from these vultures. Please find attached my detailed Synchrony ( Paypal ) Ledger, Proof of refunds from XXXX, My original tickets booked, their cancellation and Synchrony 's responses.

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 2021-03-30 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: TX

Complaint narrative:
PayPal closed my account on the XXXX of XX/XX/XXXX for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for 6 months, yesterday on the XXXX of XX/XX/XXXX made it 180 days but I'm yet to receive the mail on how to get my money out but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal because I had to wait 6 months but all to no avail. My email linked to my PayPal is " XXXX '' My paypal balance is {$3000.00} Date of limitation : XXXX of XX/XX/XXXX Date of release : XXXX of XX/XX/XXXX Unfortunately no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I refinanced our mortgage with a closing date of XX/XX/26. Prior to close we received notice that servicing would transfer from XXXX to PHH Mortgage on XXXX. The payoff statement compiled by XXXX was for a payoff on XXXX to account for this. We closed on XX/XX/26. Funding of the loan occurred XXXX and a check was sent to XXXX ( per XXXX instruction ) by the closing attorney. XXXX received this on XXXX and turned around and sent to PHH. It has been confirmed that PHH received the envelope from XXXX on XXXX ( the payoff date that was calculated for my closing ). Never seeing that my loan was paid off I started to contact PHH about this. Finally after several weeks of contacting them they claim to have lost the payoff check and to cancel the check and wire the funds ( which I had suggested weeks earlier ). Last week the closing attorney wired the XXXX payoff funds to PHH and PHH has confirmed receipt, however, they claim that they payoff funds are short since PHH has been accruing interest since XXXX, the date they received and subsequently lost the original pay off check. I have complained there should not be any extra interest since they lost the check in the first place and so some group at PHH is looking into it. When I look online, PHH still shows that no payment has been made and my full balance is outstanding. When I called, they again said the payoff was short and that they can not apply the funds in any way until the issue with the interest is resolved, which last week I was told could take 20 days. They also would not say that they would not report me as delinquent when the 60 day grace period is over in a couple days. I fully expect it will take the full 20 days to hear back from them and in a couple of days that my excellent credit score is going to be ruined, and that PHH will start charging me delinquent fees for non-payment, even though they have several XXXX XXXX dollars in their account from my payoff. You cant get a hold of the person you are working with and they dont return calls when you leave messages. Trying to get an email sent to you will take 2-3 business days as our system is only set up for internal emails. It is all a scam to delay, delay, delay so they can continue to accrue interest/fees. They are a terrible company. Given that the consumer has no say in who the servicer is, being forced to deal with them has been a nightmare and they should not be allowed to service mortgages at all. Just check any review of them. I am beyond livid that there is no one legally responsible for making sure a refi loan is paid off and that I spend hours trying to get someone at PHH to handle this. They are absolutely the worst servicer I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing my public and personal information on all 3 of credit reports.The infomation being reported is incorrect and not accurate. 
Experian, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I received a credit report alert for a collection with Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, COXXXX ( XXXX ) XXXX for medical collection with XXXX XXXX XXXX for the amount of {$840.00}. I contacted the the collection agency to get more information as I'm AHCCS covered by the government and should not be receiving any collections as I am covered at 100 % and have been for 4 years. The representative refused to provide me contact information and proceeded to threaten me with court filings. I have contacted the " original Creditor '' and they have no record of this account at all. Wakefield refuses to assist in providing me who filed this collection. At this point there is no record of any visits with XXXX XXXX XXXX and therefore this collection attempt is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Travel is playing three-card monty with credits accrued because of COVID-interrupted travel in XXXX. They are denying travel insurance and creating artificial barriers to me redeeming trip credit incurred from cancelation of travel in XXXX. 

AMEX Travel has taken my money yet provided no service for it. 

I also feel AMEX membership policies are extortionate because I was told that to maintain these travel credits I had to continue to be a PAYING card member. This is unjust because I no longer wanted to be a member, but was financially obligated now to pay the smaller ( yet sizeable ) annual fee just to have the privilege of using my refunded travel. 

Their card-members travel portal is a scam, because if I had booked directly through the airline XXXX XXXX XXXX ) I would have received a full-cost universal voucher. 

In XX/XX/XXXX, I booked return flights for a wedding ( on my card in my name ) for my family from FL to XXXX, XXXX on XXXX XXXX during XX/XX/XXXX. Total cost was {$3100.00}. Because of travel advisories and restrictions issued by XXXX and XXXX ministries we chose to cancel our flights, ostensibly under the trip interruption/cancellation coverage as card members : " If you purchase a round trip entirely with your eligible Card on or after XX/XX/XXXX, and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to {$10000.00} per trip and up to {$20000.00} per eligible Card per 12 consecutive month period. '' ( https : //global.americanexpress.com/card-benefits/detail/trip-cancel-interrupt-insurance, XX/XX/XXXX ). I was told by one 'supervisor ' a flight being cancelled because of federal travel restrictions isn't covered. Their best attempt at justification was " this is an unprecedented situation '' to which I replied, " yes, and that's why we buy travel insurance ''. 

I have tried 3 times over the past year to redeem these credits on XXXX XXXX flights and am told that they can not be redeemed except individually. I have asked to have the total credit, less than a new flight, applied to a trip for just my daughter and wife and they will not. 

I have attempted to speak with supervisors who place me on hold and seem to just wait me out because I have a business to run and family to spend time with, rather than sit on hold for HOURS at a time. I have also been told that AMEX TRAVEL supervisors don't have the ability to call people back. So I believe this is a tactic from a floundering company to not have to live up to their service agreements. I have also been told by AMEX Concierge that AMEX Travel will NOT give card members the phone number for insurance ... this too sounds like shady business practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
On XX/XX/2021 I was looking to invest into cryptocurrency. I found an app called Gemini Trust LLC and I opened an account and deposited {$100.00}. My bank clears deposits within XXXX to XXXX business days. I went into the account to check and see if my verification had processed but 14 days had passed and I became worried. I contacted Gemini by email but I received some type of Automated response which I never received any help afterwards. I found a phone number for XXXX XXXX and I called the phone number but someone on their end kept on hanging up the call. I called and left a message and within XXXX minutes the call was answered by some XXXX guy. I asked him why did I not have access to withdraw my money and he said that my verification was processing but I told him that 15 days had passed and I was worried about fraud. He kept on assuring me that it wasnt fraud and that maybe my bank hasnt cleared my deposit. I went ahead and contacted my bank and they told me that the deposit had cleared and that XXXX XXXX had my money and there should be no issue with me making a withdrawal. Its XX/XX/XXXX today and my account is still saying pending verification and I still cant make any withdrawals from my crypto wallet. I believe this company is doing something fraudulent because I read many concerning reviews from other Consumers who are also experiencing the same situation. This company needs to be investigated immediately.

Company response to consumer: Closed with explanation