vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: NC

Complaint narrative:
XXXX I filed this complaint yesterday and now I have found new information that this is still not corrected. This is what I found today - see attached file. I have been making payments in the forbearance agreement - XXXX XXXX was supposed to correct that but I wanted to send these two files - one I attached yesterday to the complaint number above and a new one I found today which still shows me being 180+ days late and that XXXX payment is late. I went online and paid the {$130.00} payment for the forbearance plan and in the account it stated I owed XXXX beginning XX/XX/XXXX as part of a Modification Plan BUT that clearly stated it begins on XX/XX/XXXX. XX/XX/XXXX paid the {$130.00} on forbearance plan payment of {$130.00}. This new report I found says XXXX payment is late ... ... ... how can this all be fixed?????

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 2020-07-14 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: MO

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NJ

Complaint narrative:
Your above referenced account ending in XXXX was closed and a new account number ending in XXXX was created for security reasons CLOSE THAT ACCOUNT OUT PLEASE HELLO Subject : CFPB Case XXXX Synchrony XXXX  Credit Card Account Number Ending in XXXX Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ). I appreciate you bringing this matter to my attention. I attempted to call you on XX/XX/2020 in order to discuss your concerns ; however, I was unable to reach you. 
On XX/XX/2020, we opened a fraud claim and referred the case to our Fraud Department for investigation. 
Your above referenced account ending in XXXX was closed and a new account number ending in XXXX was created for security reasons. Our investigation concluded on XX/XX/2020, with the fraud claim resolved in your favor. The enclosed letter was mailed to you on the same date explaining the outcome of the fraud claim investigation. Additionally, the credit bureaus were notified to delete any derogatory information pertaining to the fraudulent transactions from your credit bureau report. Please allow up to 60 days for the credit bureau to update. 
Synchrony Bank takes fraud seriously and we certainly regret any inconvenience you have experienced. 
We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have  experienced regarding this account Thank you for the opportunity to respond to your concerns raised through the CFPB. If you have additional questions regarding this matter, contact me at XXXX XXXX XXXX XXXX, extension XXXX. I welcome the opportunity to assist you.

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 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC has put up barriers in linking and sharing accounts with our apps in the name of privacy and security. Agreed that privacy and security are important but stopping the linking of accounts is wrong. Other banks and financial institutions have figured out what to do - why is PNC still stuck in the middle ages. 
All, I was trying to do today is to link PNC with a new XXXX brokerage account. XXXX uses Plaid for the connection so funds can be transferred to and fro electronically. That seems to be too much for PNC to handle even after doing 2-factor authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/2020, my company XXXXXXXX  XXXX ran it's first payroll run with Square Payroll service. I was repeatedly reminded and solicited advertisements for their payroll service. Immediately after withdrawing the funds for ACH payment, Square Inc deactivated my payroll service account without notice. Their reasoning was the fact that they can deactivate anyone 's account if they feel like stealing their money. Anyways when I tried contacting Square Inc my attempts were blocked. When I figured out a way to get around their blocks that prevent customers who had their money stolen and they then blocked my phone number. They kept telling me different dates at which the money would be returned and I realize now that there was never any intention on returning the payroll funds Square stole. Originally it was 60 days but the funds were never returned. This is a repeated pattern of behavior by Square apparently, judging by their social media mentions. It seems like pretty textbook ACH fraud. All in all, Square stole over {$17000.00} from my company and put it out of business. I have bank statements and emails verifying all my claims in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to withdrawal money from a bank teller, and she miscounted and shorted me {$20.00}, when I asked to see cameras they told me to call a number. They also, said the drawers were not over which is untrue as money was missing from the amount given to me of {$420.00}

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 2020-07-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am submitted another complaint as to my follow up of complaint # XXXX, dated XX/XX/20. This complaint was closed on XX/XX/20 and TD Bank still HAS NOT contacted me regarding my missing {$27000.00} that sent to a fraudulent account held at TD Bank. The letter that was sent to you from TD states they are investigating and would be in contact with us. No one has ever contacted us regarding our complaint and return of our money. There is no phone number listed on the letter sent to you for us to even contact anyone regarding this matter. Their response is not sufficient and does not provide the explanation we are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
i applied a refinance with Guild mortgage on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX ca XXXX branch 3.5 % plus 1.125 point locked on XX/XX/XXXX and then he increased to 1.875 point when i complained he decreased it to 1.5 point according his email on XX/XX/XXXX he and his assistant XXXX, XXXX keep asking me to submit documents XX/XX/XXXX XXXX, ( 3 times ) XX/XX/XXXX ( 2 times ) XXXX ( 3 times ) XX/XX/XXXX 2 times XXXX andXXXX also i went to their office to scan my trust after all this he email me today to pay some credit because of ratio just discovered now after 2 months and after i paid appraisal actually because of point he need to pay ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
after numerous attempted phone calls numbering into the double digits of transfer & voice mails and E-mails I have not been able to resolve my refinancing my mortgage loan application as of XX/XX/XXXX because of a loan suboardination response from XXXX XXXX  as the holdup for the loan. It feel 's like I am stuck between to financial svc Giants that are jerking me around. I am a XXXX yr old XXXX XXXX XXXX XXXX XXXX that's had a full blown XXXX & XXXX  XXXX  XXXX  etc - etc. I am at present a Freedom Mortgage Holder and have E-mailed them the suggestion of a novel idea which would be to integrate the HELOC loan into the mortgage loan. It seems everything stopped in the loan process when the suboardination release came into play with the loan. I thought with my credit score of " XXXX '' & my payment history of never ever missing a payment since XX/XX/XXXX that I have owned the home. I also got an interest rate lock agreement of 2.75 % from them. I believe I spotted the problem looking at that agreement which shows the market value of my home at {$410000.00} which is incorrect because that was the value of it 6years ago. The current XXXX Property Tax Notice market value is {$550000.00} I believe II have enough equity because I only owe {$340000.00}. I believe this meets the Loan To Equity standard. In these last few months I have really become frustrated no " LIVID ''.

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 2020-07-14 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: MO

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: MO

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX  Original Creditor XXXX  for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX  at XXXX which I did at XXXX and was informed that they " XXXX XXXX  '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX  XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked XXXX call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX  back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to XXXX XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XX/XX/2020 I attempted a security unfreeze of my wife 's credit report etc. with Experian. While doing so in preparation for a refinance of our mortgage with Equifax and TransUnion was straightforward, Experian requires we mail-in multiple documents before they will unfreeze our account. They make it clear that were one to purchase a $ XXXXmonth service the unfreeze could be accomplished by a single click on their website. 

Exploration of Experian at multiple websites reveals that many people have had similar problems. It was only due to incompetence in the agencies that many were forced to implement security freezes in the first place, and now they further complicate one 's life by such onerous requirements. I want to begin the refinance process now rather than wait some indeterminate time ( or more likely, never based upon their marginal customer service to date ). 

I find it extremely egregious that this company, that I have no need for nor am contracted with, should have such power over my finances.

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 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
Someone claiming to be Current my online banking. Scammed me out of all {$980.00} of my money and I contacted Current and they shut my app down and told me basicallly they couldnt help me and I believe this was an inside job ... my name email and number kept getting changed right before Current shut my online banking down .... when this person took the first batch of money Current said they will log me out all devices so it wont happen again but it did this person took more money and then thats when Current shut my app completely down and said it was being investigated but took days and days to respond with an update and then told me they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2020 I seen a " change of address '' email for a Macy 's account I never opened ( submitted a complaint for this as well ) Macy 's has stated that the card being used is not in my name therefore they can not do anything about this being tied to my macys 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 2020-07-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
Good morning, this is a collection agency by XXXX, that has an ongoing case against FTC. The school is using a debt collection agency ( third party ) to collect tuition fees to students. In the case given by the judge states that anyone connected to the XXXX, including collection agency are prohibited in collecting tuition fees and interest to the said tuition fees. I reached out to them twice already, sent them a demand letter to stop, because XXXX has an ongoing case. I attached a copy of the case #. I still receive emails and letters. I enrolled and never attended a single class because of XXXX and then followed by preliminary injunction prior to my scheduled classes. All students paid 25 % of the tuition fees before the class starts and school will collect the remaining balance. In my case They already collected {$11000.00} from me, which the promised education was not received. 
first payment collected was on XX/XX/2020 amount of {$9700.00} 2nd payment was collected via automatic payment to my credit card on XX/XX/2020 amount of {$1400.00}. 
I made a stopped to my automatic payment and from there on they started sending me emails and letters which i answered them. I spoke to one of the representative of Universal account servicing and told them that XXXX has ongoing case and so they should stop collecting what they call debt.

Company response to consumer: Closed with explanation