vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received an alert on my credit filed for a hard inquiry at SunTrust Bank from the opening of a checking account. I contacted the bank and spoke to a live person, reported the fraud and was told that an investigation would be opened and I would be contacted the following day by someone in the fraud department. No one called on Monday XXXX so I called on Tuesday XXXX and was told that the information was no longer in their system, that the fraud was reported to the credit bureau, and that I should receive a letter in the mail. I received correspondence in the mail on XXXX but it was a debit card with information on the new checking account. I attempted to call but their offices were closed due to the holiday weekend. This response is completely unsatisfactory. I have never opened an account at SunTrust or any of their affiliates and I am upset that they have not taken this matter more seriously and attended to resolving it expeditiously. It is an indication of how personal information is carelessly handled within their institution. My name is misspelled on the account/card, anyway.

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 2020-09-06 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase and United Airline prominently display their advertisement about the incentive. I purchased United Airlines tickets on XX/XX/2020 with the understanding that {$250.00} statement credit would be posted to my United Explorer credit account. However, Chase conveniently claims that the purchase and the credit card application did not happen during the same session. Therefore, I am not eligible for the credit. As much as I tried to do both in the same session, my online application did not go through. There was no warning or alert regarding the condition of failing to secure the credit. If I had known the buried fine prints, I would have not gone through the hassle of applying Chase United Explorer credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Apparently the was some type of dispute that I did not initiate having to do with my XXXX XXXX platinum credit card. I have had several dates told to me by XXXX XXXX Supervisors. Back in XX/XX/2020 a dispute that lasted 7 months long lead to my credit card being deleted from Experian completely. Then it was back in XX/XX/2020, was lied to so many times its just plain despicable. Spent hours and hours on the phone with XXXX XXXX. Hours lead to days of making several calls about this so called dispute information. The whole thing is I did not initiate any dispute about my platinum credit card until I saw my FICO score drop like 40 points back in XX/XX/2020. Was just about to have a good score until this incident. Then I was told to send a letter to some special credit dispute center and was told it was the wrong address, by another so called Supervisor. Now my credit card was deleted along with an exceptional payment history from Experian. Just like the card never existed. I have 2 XXXX XXXX credit cards and seeing disputes even on XXXX  that I did not initiate. The card is being reported on XX/XX/XXXX and XXXX for now but wouldn't be surprised if its deleted from one of those 2 bureau 's as well.

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 2020-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
Hello my name XXXX XXXX XXXX on XX/XX/XXXX I made a payment for a service of XXXX per pay pal dollars for the payment of an initial of a vehicle which is still withheld for no reason because I am not breaking any rules since I have been with my pay pal since 2015 and my tabm seller uses a lot the same treatment to communicate with pay pal and they do not answer me the problem is that they tell me that I have to approve the purchase when I do it my pay PAL account rejected the same since the phone number that the account had no longer works .. then I proceed with closing the account and opening a new one since that is what they recommended to me .. when opening a new account the movements of my account do not appear new and then my money is retained even if there is any reason and I need them to release my money here I will put the transaction id ..Transaction DetailsTransaction ID:XXXX. My account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: MA

Complaint narrative:
XX/XX/XXXX Went for a home loan pre-qualification and my credit report showed a serious delinquency on an account that i did not open. The account was opened under my name for a XXXX phone in XX/XX/XXXX and was sent to collections in XX/XX/XXXX for a sum of {$3500.00} but not to my address. I contacted XXXX on XX/XX/XXXX to discuss and found out that the billing address for the fraudulent account was in XXXX, NY ; I live in MA. I previously had a XXXX account which I had closed in XXXX when i switched to another provider. 

My credit report mispelled my name. ; using XXXX proper spelling is XXXX for first name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: MA

Complaint narrative:
XX/XX/XXXX Went for a home loan pre-qualification and my credit report showed a serious delinquency on an account that i did not open. The account was opened under my name for a XXXX phone in XX/XX/XXXX and was sent to collections in XX/XX/XXXX for a sum of {$3500.00} but not to my address. I contacted XXXX on XX/XX/XXXX to discuss and found out that the billing address for the fraudulent account was in XXXX, NY ; I live in MA. I previously had a XXXX account which I had closed in XXXX when i switched to another provider. 

My credit report mispelled my name. ; using XXXX proper spelling is XXXX for first name.

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 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Debt was paid in full with original Creditor for {$660.00} in XXXX of 2020. Debt was wrongfully put on my credit report as a collection and needs to be taken off by collections agency immediately. This has been fraudulently added to my credit report and is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A bankruptcy is listed as filed on my report that has not been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was issued a XXXX XXXX debit card with Bank of America to reimburse my loss of benefits from ssa. I have received the card, and can not activate it. Bank of America told me that The XXXX XXXX gave them the wrong information to activate the card. I have submitted the correct information to both Bank of America and The XXXX XXXX, as well as gone to Bank of America branches to try to activate my card, but I am having no luck. I still can not activate the card. Please resolve this issue thank 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 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Debt was paid in full with original Creditor for {$660.00} in XXXX of 2020. Debt was wrongfully put on my credit report as a collection and needs to be taken off by collections agency immediately. This has been fraudulently added to my credit report and is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NV

Complaint narrative:
This complaint is regarding Amerisave non-compliance with supplying accurate Closing Disclosure documents in a timely manner for loan.My husband and I were scheduled to close on the re-fi of our home on XX/XX/XXXX at XXXX. We did not receive corrected documents until XX/XX/XXXX at XXXX. Amerisave dropped the ball and were remiss in fulfilling their responsibility of delivery of Closing Disclosures in the prescribed timeline to stay in compliance. 
I applied for the loan on line on XX/XX/2020 and spoke with XXXX XXXX NMLS # XXXX. I noted and explained to XXXX XXXX at that time that we DO NOT escrow our Homeowners Insurance premium. XXXX XXXX assured me, at that time, that it would be removed, and adjustments made accordingly in all future documents. 
Numerous emails, voice mails, and text messages were exchanged with the assurance that the correction would be made in a timely manner. The correction was finally made at XXXX XXXX  the day before closing as noted above. Well outside of the compliance time frame of 3 days. 
Other parties involved directly with this complaint : XXXX XXXX NMLS ID # XXXX and XXXX XXXX AVP - Mortgage Sales Manager NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX ( XXXX XXXX manager )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Attached below is one account ending in XXXX that was left with a zero balance and was not being used. The bank was contacted In XXXX and not notated of my request to close the account by the representative. I received threatening calls on the behalf of a representative demanding to close the account due to non activity. I agreed that it would be best and asked if my number could be removed from their list for future call. This account remained opened and fraudulent charges was assessed to this account for years including late fees and etc. No notice or documents were ever sent to me regarding their error. After reviewing my chex system report and proceeding to bank else where. I observed and was informed that this negative and fraudulent information reported was the cause of me not being successful in opening an account with other buisness. I am requesting for this account to be removed permanently from my chex system report immediately or there will be further legal action. Attached are emails with was used to open this account proving that I had a XXXX  balance throughout the entire time of this account. This account was left opened for fraud and data breaches for the banks gain. I have already been a victim of identity fraud, have reported it, added a security alert with all credit bureauas, chex system and have done a identity report. My information was compromised and found in over 9 data breaches. I currently have a data breach settlement with XXXX  for XXXX and XXXX and also with FEMA. For banking information, passwords, email addresses, job information, debit card information, social security numbers and other names used to obtain credit without my consent. XXXX XXXX XXXX is also another listed fraud account ending in 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 2020-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello friend, I am seller of XXXX, I am XXXX and by obligation charge by paypal, it turns out that a few days ago paypal limits my account and ask me, some proof and fractures, sent them and it took 5 days to respond, The result was that I can no longer do business with them, that is I closed the account I can not pay to ebay the commissions, XXXX sends me messages I can not take my money because they do not leave me, I have to wait 180 days, that is a lot I have family to feed, {$4000.00} lock, help me please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had my information stolen it was leaked and used by someone other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$3000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. 01 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. 08 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my 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 2020-09-06 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: CA

Complaint narrative:
American Express cancelled all my credit cards when there was not a single payment default or delay or non payment for last 11 years. 

American Express agent totally mismanaged one of the new XXXX XXXX credit card ending XXXX, they offered me while I was abroad. AmEx agent took my bank information to establish Auto Pay, she told me it was the condition for this card. 

I was abroad and had to no access to this account to check whether there was an Auto Pay established for this card. AmEx also sent the card and statements to registered address not my operation address, so my office had no information about this card. 

Our registered office sent me a photo copy of non payment notice ; I immediately contacted American Express Business Corporate service from overseas and agreed in writing to make a fixed monthly payment as suggested my them. AmEx continue to receive this fixed payment as agreed. 

However, due to total disconnect between their Corporate Customer Service and Credit card collection service cancelled all my AmEx credit cards. I personally spoke with them and told them it was their agent who made the mistake not me but no effect on them. 

American Express credit services wouldn't agree to their mistake even though it was against the current credit card California regulations. 

This was a very bad example of American Express treating their customers rudely and with total disregard to Californian Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal won't let me close my account. PayPal won't REMOVE my checking account from the PayPal Account. I have experienced REPEATED fraud with PayPal, but the company will not close my account or accept responsibility for the Fraud. It is extremely difficult to call and speak with anyone at PayPal. After sending several emails and text but getting no response, I did call and finally spoke with someone. I spent more than 2 hours requesting that my account be closed and that my checking account be removed from the account. PayPal has refused to do either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06 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: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2019 Jefferson Capital Systems notified me of a debt of {$990.00} and XXXX XXXX XXXX notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus. 

I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with Jefferson Capital Systems and  XXXX XXXX XXXX. No Such validations have been performed. 

These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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