vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/20 thru XX/XX/20 and on XX/XX/20 they have been over {$4000.00} worth of charges been made to my account and I've disputed with my bank and they haven't done anything about it and I feel like I'm just being XXXX  out of my money and something needs to be done. The bank is State Employees Credit Union of North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: FL

Complaint narrative:
XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2020 I placed an order with a company then doing business as XXXX. The order was for a puzzle and I paid {$40.00} using PayPal. My complaint is againt PayPal for their handling of my grievance against the seller. 

On XX/XX/XXXX I received a puzzle but it was the wrong puzzle. I had ordered a puzzle showing US postage stamps. I notified the company immediately. They did not respond so I followed up via email. The second time I got a response asking me for a photo of the shipping label and the box I received. I sent both. Over the next several weeks I went back and forth with this company several times. They admitted their mistake, The offered me a fraction of what I had paid. A copy of the email chain is attached. 

On XX/XX/XXXX I filed a request with PayPal for a refund. I supplied PayPal with all of the above information. The request was identified as " item not received. '' After communicating with the seller, PayPal rejected my claim. I convinced them to re-open it under " item not as described. '' Here are the details : Case ID : XXXX Seller information XXXX Transaction amount {$40.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX United States Invoice ID XXXX PayPal has now reported to me twice that they have gone back to the seller asking for more information. They do not share this information - what they are asking for or what they are receiving - with me. In the first case, PayPal wanted to know if I would settle for half of the refund I was requesting. 

Further, PayPal has on two occasions told me I can expect resolution by a specific date - but those dates have come and gone. I also attempted to escalate my concerns with PayPal via their XXXX page. They directed me to send a private message. I did but then had to wait XXXX days for this response : " Hello XXXX, we apologize for any inconvenience we course. 
Share your account info so we take a closer look into your issue. 
Thank you -XXXX  XXXX I had already given them my email address ( account info ) but replied to this message with the information again. That is the last they have responded ( a week ago ). 

For reference, I am also attaching a sampling of the messages I have received from PayPal on this matter. 

I believe PayPal is simply stonewalling me and in the process is aiding and abetting a fraudulent company. When I look at the PayPal XXXX page, it is flooded with similar complaints. PayPal should not be advertising that they protect consumers when they obviously do not. While I am still hopeful that PayPal might eventually do the right thing and refund my money, I am hoping I can get to that resolution faster - and maybe help protect others in the future - by filing this complaint with the Consumer Finance Protection Bureau. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I have contacted XXXX, XXXX, and Experian to let them know that the addresses on my report were not mine. They stated they could not fix that for me at this time. Also, Inquiries that were on both my reports I had explained to them I do not have any accounts with them and that I never gave the people permission to use my information. They again stated to contact the companies to have them removed. I had contacted the companies and no information is in their system to show I have any account with them. Also, with XXXX  my name for under known alias is wrong and for my middle name they put XXXX instead of it being an XXXX. I have already filed a complaint with the Federal Trade Commission too.

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 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I called the debt collector the three people i spoke to did not advise me that they were recording the call and when i tried to advise i am recording they passed me off. Also I am XXXX and this dispute is hard to deal with they have called also called without identifying and not giving a personal identifier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
Freedom Mortgage purchased our mortgage from XXXX XXXX in XXXX. Freedom began soliciting us late XXXX to do refinance with them. In XX/XX/XXXX we agreed to begin the streamline refinance process due to the low cost and claimed 60 days or less to complete. Months and months go by as Freedom would never follow up, call, explain anything happening in the process. XX/XX/XXXX I again contacted Freedom and they advised they needed copy of our SS cards to move on, no one had called me to ask for this. This was only after I had requested and dozens of calls. I send XXXX XXXXCustomer Advocate Direct Number : XXXXToll Free : XXXX ext. XXXXFax : XXXX Email : XXXX the requested documents days and have email confirming she got it. Then XX/XX/XXXX we were advised they need copy of our survey, which was promptly provided. XXXX XXXX we call XXXX XXXX XXXX company to find status, they advised that they never got the survey from Freedom Mortgage. We then send them the survey directly. There is again XXXX and XXXX of endless calls to both Freedom and XXXX XXXX to find out if anyone is actually doing the refinance. Finally we get closing date on XX/XX/XXXX and notary comes to the home and we sign our documents. During this time we are advised not to pay XXXX or XXXX 's home payment and first payment due is XX/XX/XXXX. We have received 3 collection calls from Freedom and they have billed us a late fee with Agents providing claims it will be waived, account notated, but still demanding payment. Despite our closing documents. XXXX XXXX we are notified that the refinance is not acceptable due to failed Warranty Deed and only Freedom can fix. We were advised that we would be contacted in 72 business hours. We have not received any calls from Freedom and I have spent over 2 hours on hold XX/XX/XXXX, more lies from customer care and zero response to our concerns. We believe they are being deceitful in order to gain late payment fees, collections on our home, and/or damage our credit. We feel that this is clearly trained and expected behavior by freedom mortgage and their staff to confuse, lie and be deceitful to gain financial gains at the cost of the customer. There are also no effort to ensure that our rates will be honored despite Freedom failures in their own process and procedures.

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 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a lot of transactions not showing up from places with gaps of money missing from those transaction even making a new account and and doing the same thing from the same place later was posted but not other ones before I dont see y that would happen? On the app and website bank pf america edd

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 2020-08-21 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: CA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE BEEN FIGHTING TO CLEAR MY NAME AND THE CREDIT BUREAUS ARE NOT HELPING ME MUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
MY DAUGHTER WENT TO ER. THEY WROTE DOWN WRONG INSURANCE CARD NUMBER. UNKNOWN TO ME WAS TURNED OVER TO COLLECTIONS AND I CAN NOT GET A MORTGAGE. I CALLED ARS THEY REFUSED TO CALL MY INSURANCE. I FINALLY GOT A DEBT DELETION LETTER WHICH I USED TO UPDATE MY DESPITE WITH THE CREDIT AGENCIES BUT DESPITE INCLUDING THE LETTER IN MY REQUEST ARS STILL CLAIMED THAT THE DEBT WAS ACTIVE AND THE CREDIT AGENCIES STILL POSTING THE DEBT AND I CAN NOT GET A MORTGAGE AS THIS KILLED MY CREDIT RATING FOR A BILL I NEVER OWED.

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 2020-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: WA

Complaint narrative:
A US Bank card was sent to my parents address in XXXX  with my name on it. It is a " Relia-card '' for unemployment benefits. I was shocked when they told me because I live in XXXX  state and never applied for unemployment in XXXX. I have called the fraud hotline in XXXX  and notified them but was advised I would not hear back for 2-4 weeks. I am very confused how 1 ) an unemployment claim could be taken out in my name without my personal information and 2 ) how US Bank is not doing more extensive security checks before issuing these debit cards. I did have to apply for and use unemployment for a few months in the beginning of the Covid break out, but have since gone back to work. The unemployment I applied for was in XXXX  state AND I ALWAYS do direct deposit. I NEVER use the debit card option. I would like to leave this complaint as an official report of fraud and to get some sort of confirmation that this is being watched or taken care or/ help with what to do next. 
Please contact me as soon as possible. 
Thank you, XXXX 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 non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
On XXXX XXXX at approximately XXXX XXXX I contacted a debt collection agency after receiving notification from XXXX that a collection was added to my report. I inquired about the debt and was told that its on my credit and I need to pay it now to have it removed. I asked why wasnt I notified about the debt and he said they mailed letters to my old address and its not his fault that I moved. How can a collector report a debt to the credit bureau without first confirming that I owe the debt. The name of the agency is Ability Recovery Service and I spoke with XXXX XXXX x210 who was extremely rude and contentious.

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 2020-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a car loan through berkshire bank. 
In XXXX before my XXXX payment I bought a vehicle at a dealership and that dealership satisfied my loan with berkshire because I did a trade in. The payment from XXXX was supposed to be sent to me. They automatically charged my again XXXX XXXX. We called them to clear this up. Cancel payments and have a refund sent. Now, ANOTHER month later, they have AGAIN charged my account for a car loan that was satisfied in XXXX. They are not helping me fix this problem and return my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize this inquiry on my credit 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 2020-08-21 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: CA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE BEEN FIGHTING TO CLEAR MY NAME AND THE CREDIT BUREAUS ARE NOT HELPING ME MUCH.

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 2020-08-21 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:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE BEEN FIGHTING TO CLEAR MY NAME AND THE CREDIT BUREAUS ARE NOT HELPING ME MUCH.

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 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I filed dispute numberXXXX Against Paypal I have a consumer protection office for my account XXXX And their response was that they took my money, which amounted to XXXX dollars, because they felt that I was selling counterfeit products. 
Why did Paypal not notify the police against me because I am selling counterfeit products? 
How does Paypal take money when it admits that it is a crime - and conceals it from the police and investigation authorities. 
Why did Paypal not inform the company that claims that I have counterfeited its products in order for legal measures to be taken against me. 
If I, as Paypal claimed, I sell counterfeit and forged products and this is a crime according to the law - Paypal has committed several crimes for covering up that crime, appropriating the money obtained from it, and investing that money in its projects, which is the crime of money laundering. 
Paypal explicitly acknowledged that the money was obtained from selling counterfeit products - and instead of reporting to the police, they took the money for themselves. 
And US law punishes anyone who learns of a crime and does not initiate to inform the authorities, because he is thus considered a participant in it. 
They also took those money for themselves, claiming that it was to make amends for the damages suffered by them. According to the law, these funds must be handed over to the police authorities until they are investigated with me into those allegations that are deterred by Paypal. 
The Consumer Protection Office must take deterrent measures against PayPal so that they stop seizing the money of depositors under the guise that they are violating the law because that is a crime of extortion The Consumer Protection Office must open my dispute again and open an investigation against Paypal to protect American companies that people imitate their products and Paypal in the end seizes the proceeds of the sale without informing the police, which affects the American economy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC
State: AZ

Complaint narrative:
My husband started receiving Pre collections notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Az XXXX Telephone number XXXX. At the end of XXXX regarding a trip he supposedly was given in an ambulance on XX/XX/XXXX in XXXX XXXX, AZ XXXX # XXXX. We live in XXXX, AZ, He was not in XXXX XXXX since he has always work in XXXX, AZ. He contacted XXXX to notify them that it was not him. They told him not to worry, that they would take care of it. We continue getting the notices. I, his spouse called the XXXX on XX/XX/XXXX, the representative when it was time to verify the information XXXX His Social Security number ) stated that it was not the one they had in the system. I asked why were they still sending the bill to my husband if it was not him who was given the service just happen to have the same name but different socials. She stated not to worry about it and since the Socials didn't match it would not go on his Credit Report. Also that they would make a report on it and would call us once the issue was resolve. We stop receiving mail from XXXX. Shortly after that we began receiving notices from Bay Area Credit Service XXXX acct XXXX. My husband and I are trying to purchase a home, he was notify that his credit went down 60 points. After doing some research he found out it was because XXXX sent his account to collections, After we were told not to worry about it since his social did not match the account they had open, just happen to be he and the man who was given services have the same name. Now, on XX/XX/XXXX My husband after trying to fix this issue and us been told it was not going to his Credit Report, Called both parties again. XXXX XXXX XXXX XXXX told him that the only thing they can do is dispute this claim, but cant really do anything until the dispute is completed. XXXX told him that they are still reviewing the report from when I called on XX/XX/XXXX. My husband told him if his social didn't match the one in the account how come it went to his credit report. The supervisor didn't know what to tell him, just to wait until they review the issue. He also told them that when he called the first time he was told not to worry about it too. They stated they only had a record of me calling to resolve the issue and not him. Its been 6ms of them reviewing the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: NC

Complaint narrative:
I had used my Chase Credit card to purchase airline tickets. The flights were eventually canceled due to COVID and the airline declined to issue a refund and instead gave a voucher for travel on future date which is not acceptable to me. 

So I filed a dispute with my credit card issuer ( CHASE ) because I was charged for a service that was not delivered. As per the cardholder agreement the card issuer is supposed to chargeback the merchant and refund the charges back to the cardholder in cases where customer was charged for services that were not delivered. 

The reason CHASE declined to refund is because they said my compliant was filed too late. I don't agree with their assessment because the 'service ' has not been delivered yet as they issue the voucher for a future travel date.

Company response to consumer: Closed with explanation