vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Someone created a fake PayPal account with my name address and email and banking account. Attached to the same account is also fake information that is not mine. According to PayPal the account was created in XXXX and upgraded to a business account in XX/XX/XXXX. At this time my bank account information was added and the person was able to withdraw XXXX dollars from my account. I never have had a PayPal account nor did I create it. As soon as I noticed the fraudulently withdrawals the bank was contacted and a police report was filed in XX/XX/XXXX. After the investigation was done PayPal returned the money to the account. However PayPal is now trying to collect the money through a collection agency XXXX XXXX XXXX XXXX. This agency was notified that it was Fraud Identity Theft and was given the police report number advised by the police investigators. I have tried to contact PayPal numerous times via phone and through their message system via the account. PayPal will not close the account claiming the money is owed. My personal information is still compromised because of this. I need PayPal to close the account that they let someone open fraudulently. I have not been able to reach PayPal via the phone. They do not answer the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter. Also, they are reporting inaccurate personal information on this account which is another violation of the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a mortgage with BB & T and despite having a condo Flood insurance policy, the mortgage company has been charging me flood insurance. 
Multiple calls confirming that I do have insurance have been unsuccessful. The last attempt on XX/XX/XXXX confirmed that I did indeed have insurance and I was promised a revised billing schedule and a retroactive credit and adjustment based on the fact that I had incurred unwarranted monthly charges starting in XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter stating that my last mortgage payment was short by {$150.00}. BB & T is not acting as normal lender but like a debt collection agency more interested in collecting insurance and late penalty than servicing their customer 's loan.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was with XXXX Mortgage from XX/XX/2020 until XX/XX/2020. The loan was sold to Nationstar Mortgage effective XX/XX/2020 XXXX paid {$29.00} interest on my escrow account and reported the same to the IRS on a 1099 form. Nationstar Mortgage paid {$5.00} interest on my escrow account, however reported {$35.00} to the IRS on a 1099 form. THIS IS A MISTAKE AS THEY REPORTED WHAT THEY DID NOT PAY. As a result the interest I made on this escrow account has been falsely reported to the IRS, therefore it will screw up my tax return!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have reached the end of my loan with Santander consumer usa and they say I still owe more than XXXX. And they never applied XXXX XXXX to the principal payment that I know of on at least 26 months of paymens probably more because I have been locked out of the account. I thought I would qualify for the Mutli state settlement with Santander and the 34 states but Santander tells me I am not. I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I was charged {$140.00} in Overdraft Fees for {$20.00} overdraft as well as on XXXX/XXXX & XX/XX/XXXX I was charged 2 Overdraft fees over the same transaction twice

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In early XXXX I received a letter in the mail for a new CapitalOne XXXX card. According to the letter I received, it claimed that due to my great credit score, I was eligible for this new card which ALSO INCLUDED A {$200.00} CASH BONUS if I spent {$500.00} within the first 3 months. This really interested me, so I checked reviews for it online ( XXXX, XXXX, XXXX, and even CapitalOne 's own website ) and the information in the letter matched everything I read online. 

So I applied for the XXXX Card ( not the Savor card which doesn't include the cash bonus, I was very careful about that ), and spent lots of money on the credit card with the expectation I would receive the set cash bonus. 

By XXXX I had spent well over {$500.00}, but I had not received any cash bonus, so I called Capital One. I had multiple phone calls and conversations and they first claimed that my card was not eligible for a cash bonus, despite all the evidence on their own website to the contrary. Then after I escalated it further, they claimed that I didn't select I wanted the cash bonus when I signed up on the CapitalOne app when I applied for the card, which is wrong. 

I am very frustrated that CapitalOne would be this deceitful and that after multiple times contacting them, they kept refusing my request. They even lied and said they don't have a customer complaint email address so that I would not contact their customer complaints department. Very shade.

I don't have the exact dates I called them each time, but it was multiple times and I have all the email evidence from CapitalOne to show each time they sent me updates regarding my case. So let me know if you need that and I will be happy to provide all of the document evidence.

The only thing I don't have is the original letter in the mail they sent. I figured that since all the websites confirmed the cash bonus, I would never encounter such a bizarre scenario as I am facing now. Thank God the CFPB exists to help keep these companies in line. 

I am being very rational and I am simply seeking the {$200.00} cash bonus they promised to me and conned me out of what I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Filed dispute letter XX/XX/XXXX and XX/XX/XXXX for verification documentation and accuracy of this account and have not receive requested documents, per, Section 609. Spoke with collection agent from Resurgent Capital Services/LNVN and XXXX XXXX XXXX  agents on XX/XX/XXXX and was verbally informed that I have no account with XXXX XXXX XXXX, and XXXX XXXX XXXX  were not able to find my information with them nor provide any evidentiary documentation for accuracy and verification. I requested to have this information removed from credit report. And the customer service agent was very rude and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2021, Chase Credit Card Services reported my account as 30 days late in which my payments are not scheduled to be paid until the XXXX of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Although I have never done business with XXXX XXXX XXXX XXXX. XXXX Credit Card and have opted out, Experian continues to allow XXXX XXXX XXXX to check my credit on XX/XX/2021 without a permissible purpose. Experian does not allow disputes on soft inquiries and upon calling, the automated call does not allow consumers to speak to a representative. I waited on hold last night for over 15 minutes and then hung up on.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: VA

Complaint narrative:
My experience with the company have been a total nightmare. I have an account with the company that I had to close due to all the fraudulent activity since XX/XX/XXXX. I have disputed the amount of {$2800.00} with the company and was just advised no error was found and no one can explain why. Every time the company sent a new card when it was activated unauthorized transactions occurred. This have been since XX/XX/XXXX. I have been calling and calling and there is still no resolution. I honestly feel some fraudulent matters are happening internally as well. Someone changed my username and password several times and I was advised it only could be done internally. I have spoken to several representatives and asked to speak with a supervisor many times. Every time a supervisor is requested I am kept on hold for hours and no supervisor answer the call. A supervisor finally called me back after I was advised will receive a call within 30 minutes. However, the supervisor called at XXXX XXXX  EST so I missed the call. I am working with the XXXX XXXX XXXX as well. This issue have been going on too long and have impacted my household. I was advised I will receive a provisional credit and now advised no error was found therefore no credit will be issued. The employees can not explain why and state they have not received the disputed information and I sent it 3 times and received the mailed delivery email. The account was open over a decade and now I am experiencing this. Direct deposits were made from my employer to the account every XXXX  and once made it seemed as if unauthorized transactions were made. I have not used the card since XX/XX/XXXX then called to request to deactivate it due to fraudulent activity and some how the funds deposited into the account were still used. 

I have been calling since XX/XX/XXXX ; however, the dates listed are some specific dates. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. This is multiple times most days. The only reason why some calls stopped for a while is because we were advised we would receive a provisional credit.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be resolved ASAP!

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I want this FRAUD ACCOUNTS removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
I've disputed this debt with both the credit bureaus and Enhanced Recovery Company multiple times, and I have received no responses at all from Enhanced Recovery. They continue to report the account on my credit, and have verified it with the credit bureaus. I am entitled to the same information the credit bureaus are when it comes to accounts being reported against me. This information must be erroneous, and they are reporting it, which is a violation of the FCRA. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I want this FRAUD ACCOUNTS removed ASAP!

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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: WI

Complaint narrative:
XX/XX/2019 amount {$840.00} Actions - Ive tried numerous times to contact the company to acknowleged them of this wrongful matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I spoke to Hyundai financial in the month of XXXX and XXXX and they advised me that once I made 6 payments they would give me. Deferment. I call in XXXX and after I made the 6 payments and they told me that I would need to wait 12 months. I called them almost three weeks ago and requested to have the calls from XXXX and XXXX pulled so that could hear what was said to them a supervisor was supposed to call me within 72 hours after they listened to the calls and after 3 weeks I still have not heard anything. I need a resolution ASAP because they are pretty much taking my issue for granted.

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 2021-01-26 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: FL

Complaint narrative:
Last XXXX, someone stole XXXX dollars from my Paypal account. There is some loophole where Paypal allows sellers through XXXX to charge PayPal accounts unauthorized. This issue is known to Paypal there are hundreds of people who have fallen victim to this scam and complained online. Here is a link : https : //www.paypal-community.com/t5/Disputes-and-Limitations/SCAMMER-WITHDREW-ALL-MY-MONEY/td-p/2074758 # First, it was very difficult to reach PayPal support XXXX I called, emailed, messaged on social media. It took me months to get a response and get through. I submitted a complaint and the response they provided didn't even make sense. They said : The transaction wasn't eligible for Purchase Protection and cant be refunded. This is insane. I did not make a purchase. I want my money back. Its true that it took me 11 months to lodge a complaint, but I deposited my money with PayPal to keep it safe. Its not in the terms of service that they will give my money away unless I check my statements monthly. 


Case ID : XXXX Transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
XXXX continues to try to bill me for services provided by a hospital that has my medical insurance billing information. I am a XXXX XXXX XXXX Veteran and have full health coverage covered by the Veteran Affairs. I had an emergency that required a local hospitalization and have been bullied since going to the hospital. They send letters, hire multiple companies to call and harass my family. Why are they trying XXXX collect payment from a XXXX Veteran that doesn't pay for health care? Bill the XXXX VA! This is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
Back in XX/XX/XXXX, I learned that Specialized Loan Servicing was reporting that I was delinquent on my mortgage in XXXX and XX/XX/2019. That was not possible since I sold my house on XX/XX/2019. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/19 @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XXXX 2020. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX2020 per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
date : XX/XX/2019 amount : {$620.00} company continue to wrongful report false amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
We sold our home and paid off our mortgage to Dovenmuehle on XX/XX/2020. We have about {$16000.00} in an escrow account with Dovenmuehle that we have been unable to collect. We have tried numerous times, at least a dozen, to call and request a check be sent, and have been told on a few occasions that one had been sent, or would be sent in the next few days, but we have never seen a check, and they have never provided any evidence that one has gone out. They keep us on hold for long periods of time, disconnect our calls, and give us different information about then status of our funds on different calls. In a few days it will have been 4 months since we paid off our loan.

Company response to consumer: Closed with explanation