vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Back in XXXX of 2018 going forward I made payments to PayPal monitored by Synchrony Bank and there was an accounting error in the transaction. It registered as an expense rather than a payment. This happened with each payment for several months and Synchrony Bank said the amount I owed was at a point where they penalized me with outrageous interest fees. My current balance is about XXXX $ and it should be around XXXX . I called them and they put my account on fraud alert and because of that they want me to send them a picture of myself along with a photo Id and I refused for fear of identity theft. They responded by mailing me form letters that showed no trace of a verification code to use when I called. This happened six times. I called again and as always got the run around. They are harassing me with form emails constantly. They simply wont help me outright. I need help. My credit score is in jeopardy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
We processed a payment to our company of XXXX and they said they kept funds for some other account that had a negative balance. This was from Square. We don't have any other square  accounts, yet they are keeping our money. 

During this pandemic, that money is vital for us to stay in business and they are fraudulently keeping our funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX ONEMAIN FINANCIAL accessed my credit file with XXXX XXXX AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX ONEMAIN sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request ONEMAIN FINANCIAL was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX shows the 3 inquiries still, XXXX one, and XXXX deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX and XXXX are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Account shows 90 day late payment in XXXX of XXXX. Applied for a loan modification in XXXX of XXXX due to reduction of income due to my wife having XXXX XXXX. Followed all the directions in which we started a trial period of 5 months of a reduced mortgage. During this period we could not be late and had to pay on the XXXX of every month. We qualified for the assistance. Following Bank of Americas directions we where told to put a stop on our scheduled deposits for the original mortgage. They never communicated with their own departments and placed us as 90 days late. I have spent 16.5 hours on the phone with Bank of America and applied for 4 credit reviews with documentation and all came back as denied. This has caused us to have a higher interest rate on our new mortgage. Also dramatic reduction in my own credit scoring.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I paid off a share loan XX/XX/20. The pay off increased my credit score at all credit bureaus except Transunion. The payoff of the loan reflects a positive Increase by XXXX and XXXX  due to the payoff, but Transunion reported a 25 point decrease. Which they can not explain why, but has shifted the blame to their computer program.

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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
We filed a bankruptcy which was discharged more than 10 years ago. Loan Care is reporting my loan in violation of the fair credit reporting act. I have disputed the loan and as of today one of the bureaus have deleted the trade, but the other two are still reporting negatively ( due to the forbearance ). When I call the number, I get in a loop that I was on hold for 45 minutes and gave up. Today I attempted to call again and reached a representative in Cust Serv that assisted me with several questions. They were not able to assist with the bankruptcy issue, so I asked to be transferred to the Bankruptcy Department so they can correct my account. The person I was transferred to was VERY RUDE. She said it was reporting my loan accurately, which it was not. I requested that she correct the incorrect information or I would file a complaint and SHE HUNG UP ON ME! I called again and spoke with XXXX in XXXX XXXX office and she helped me with my payment issue. She was Amazing and a wonderful customer service representative. I will work with the credit bureaus to get the credit fixed and if Loan Care refuses to correct the erroneous reporting ( bankruptcy greater than 10 years old ), I will seek Legal Counsel. I'm very angry that the girl in the Bankruptcy Department that I was transferred to hung up on me when I asked for her to correct the error. I did not swear at her and they can review the call, as I'm sure their lines are recorded.

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 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Complaints Department : Please refer to my complaint regarding Bank of America 's failure to protect consumers and hosting a fraudulent beneficiary company. 

My Case : I was put in touch with a merchant called XXXX from XXXX XXXX who falsely presented the company as a financial investment firm. XXXX was very persuasive and enthusiastic and made a lot of promises about lucrative investment returns at low risk. He was very convincing and friendly so I decided to give it a try. 

I made my first deposit of {$48000.00}, via online banking on XXXX XX/XX/XXXX, to what I believed was a genuine investment to a real investment company which was authorized to operate in the USA. 

This company had provided me with an online passcode to their website to what was allegedly my trading account. 

I made nine transfers to this company from XX/XX/XXXX through XX/XX/XXXX, aggregating a total of XXXX The online software was working well and on paper my account had grown profits. It all started going downhill when XXXX had to go away and put me in touch with his colleague XXXX. XXXX lost almost everything in the account after 10 minutes of him taking over my account!! When I got in touch with XXXX after this, he claimed that XXXX was fired for losing my money. But in the aftermath, I have not gotten my " invested '' money back. Instead, I was told to invest more money. 

I later discovered that the company is not even licensed to operate as a financial institution in any country, rendering their services as a fictitious cyber fraud. 

This money that was lost is 70 % of my savings and was supposed to be for my retirement, causing me XXXX  and XXXX. 

I have been in contact with the XXXX XXXX, Bank Of America, but so far they have ignored my pleas for help and have not closed the fraudulent beneficiary company 's 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 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: LA

Complaint narrative:
SO I OVERPAID ON A PAYOFF WITH XXXX  XXXX  AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi XXXX informed me that they will not delete the fees of {$990.00}. It is not interest or principal. It is a fee that Chase had on it books for a foreclosure case that was dismissed .see attached. IF it was dismissed they are not entitled to any fees because the loan documents Chase can only collect fees if they were the prevailing party. Chase sold the loan to XXXX. For many years Chase never collected this fee. The statute of limitations to collect his fee has expired. Moreover, the attorney for Chase AT THAT TIME WAS CONVICTED FOR FRAUD. YO CAN XXXX XXXX XXXX XXXX .his FEES WERE OUTRAGEOUS. Neither XXXX  OR cHASE CAN PROVE WHY THEY are entitled to to the {$990.00}. 
Please help!!! 
Thank you. 
XXXX XXXX CELL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- MAILING ADDRESS XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I bought XXXX XXXX  tickets in XXXX for my family to fly to XXXX. We were charged {$990.00}. I disputed the charges as we were restricted by NYS to fly to XXXX in late XXXX XXXX XXXX and XXXX was closed. We received our money back from every vendor except XXXX. I disputed the charges with discover and my account at the time had a {$0.00} balance. Discover immediately issued a temporary credit for the full disputed amount ( {$990.00} ). My account then had a negative balance for - {$990.00} and Discover never received any information or documents from XXXX showing that the charges were valid or approved by me or any services rendered. They initially ruled in XXXX 's favor ( without receiving any documents from XXXX ) and charged the money back to my account bringing the balance to {$0.00}. However, they also sent me a check for {$990.00} and before I cashed the check, they immediately applied another charge to my account for {$990.00}. I then called back and asked to talk to a supervisors supervisor. No one every called me back. I would call in numerous times and ask for multiple call backs and have never received one. I also uploaded supporting documentation about XXXX 's voucher policy and that my voucher balance didn't add up to the original purchase amount. A woman from Discover credited me {$180.00} and told me she would look into refunding me the remaining balance. She never called me back and when I called discover back to explain what happened they told me I needed to provide more documentation for my dispute. However, at this point, Discover still never reached out or heard anything from XXXX. When I told them I was never asked for this information previously and the representative told me she was looking into getting me my money back, they just acted as if that call never happened and when I asked them to pull those call records they refused. I was then told and guaranteed by a representative in the fraud department that if I claimed the charges were fraud that Discover guaranteed multiple times I would receive all my money back. After I submitted the fraud claim, discover refunded me additional money so my balance was around {$600.00} on the account down from the original {$990.00}. I kept calling to see when the remaining balance would be refunded and I was told it would take 10 days. I would consistently call and ask for a manager to call me back and no one would ever call. Now my balance, which originally started at {$0.00}, has no grown to {$1500.00}. I haven't made any additional purchases on this account during this entire process, except one charge for {$0.00} for my XXXX data storage. This is fraud for a company to add an additional balance to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 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: MD

Complaint narrative:
We respectfully ask the CFPB to intervene and prevent Chase Card Member Services from charging us for services we never received. 

Our Chase Sapphire Reserve Credit Card was charged {$1900.00} on XX/XX/20 by XXXX XXXX XXXX XXXX for two XX/XX/20 flights which were cancelled by the airline due to Covid virus. We ended up being evacuated from XXXX to the US a week later for nearly twice the cost. 

We asserted our Cardholder rights three months ago and appealed to Chase Cardmember Serices following their dispute process to refund the charges on our card for flights never provided. 

Chase has tried to close out our complaint twice. On XX/XX/20 " XXXX   XXXX '' of Chase contacted us to close our dispute because the charge " took place too long ago ''. We filed our complaint with Chase just three months ago after XXXX refused to refund our money. We will appeal again but need your help. 

We are senior citizens on fixed incomes and respectfully request a refund for two flights which never took off. We have several credit cards with Chase, pay on time, and have a very good credit rating. We just want Chase to do the right thing and not charge us for services which were never rendered. 

XXXX XXXX XXXX offered us useless vouchers for future flights but refuses to refund our payment. We need a refund and can not use vouchers. XXXX XXXX XXXX  is a lot of money to us and our family. 

We have filed a formal complaint against the airline with the US Department of Transportation because their enforcement notices require prompt refunds for cancelled flights by international carriers. We are waiting for the outcome of that dispute. 

CFPB : Please help us. We don't know where else to turn. XXXX XXXX XXXX  is a lot of money to us. 




.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On the evening of XX/XX/XXXX, I purchased an item online using PayPal as means of payment. This is the first time I have ever used PayPal account. On XX/XX/XXXX, PayPal transferred {$39.00} from my bank account then immediately sent me an email stating there was unusual activity on my account and immediately locked me out of my PayPal account. All efforts to resolve the issue have been futile. My attempts to call PayPal regarding the problem have been futile. I have sent numerous emails to PayPal trying to resolve the issue and demanding a refund back to the same bank account they withdrew the money from. I keep getting messages about unusual activity on my account and to login to my account but it is impossible to login. I wrote to PayPal through regular mail on XX/XX/XXXX requesting a refund and for some one to contact me. PayPal has ignored my requests for a refund or any effort to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE CORP Account Number XXXX This company has posted collection on my credit. I have disputed them twice and they tell the credit bureau the debt is legit. AND IT IS NOT! I don't really know how to fix this problem. I do know I will nevr give a dime to someone claiming I owe them when I know I don't! 
I discovered they started reporting this since XX/XX/2014. 
Again this is not my debt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 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: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, XXXX, AND EQUIFAX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX  shows the 3 inquiries still, Equifax one, and XXXX  deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX  and Equifax are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the XXXX parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

Company response to consumer: Closed with explanation