vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 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: R & B Corporation of Virginia
State: WA

Complaint narrative:
Credit control for has a few open accounts for me. The amounts and dates are wrong. I would like them removed from my report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
What happened was I called PayPal about a charge I saw for {$440.00} from XXXX. I immediately called PayPal and told them I never authorized any charge from XXXX. They told me I had to take it up with the merchant. I told PayPal I never authorized any charges from the merchant so why would I take it up with them? Anyway PayPal is now basically telling me I owe them {$440.00} and have denied my attempts to have this unauthorized charge reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: RI

Complaint narrative:
On XX/XX/2020 I received a notification that my credit had been run by a mortgage company, I was in the process of buying a house back in XXXX, the deal didnt happen. We are still looking for a house and we found a listing recently my wife and I were interested in seeing. We contacted our real estate agent. The real estate agent decided to call the mortgage loan XXXX XXXX XXXX from Movement Mortgage in XXXX RI and asked for a preapproval. We never spoke to the mortgage loan XXXX XXXX XXXX and requested this. We werent even sure if we were going to use this company again. The loan XXXX XXXX XXXX ran my credit without asking. I didnt even receive a phone call after. I found out through a alert on lending tree.The last time I gave permission to run my credit was in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
Quality Assets is trying to recover co-pay from a doctor visits. The doctors office will not render service on day of appointment unless co-pay is paid at time of service. My credit is being effected by these derogatory claims and my credit standing is very good. 

I would like Quality Assets to provide consent of dialing mobile phone number.

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 2020-08-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a collections account that was declared paid in full AND DELETED from all 3 bureaus on XX/XX/20. XXXX and XXXX have removed it from my report, however it is still showing on my Equifax report. I called the collections agency on XX/XX/20 and he stated he submitted a 2nd submission to Equifax on XX/XX/20 to have it removed. As of today, XX/XX/20 it still appears on my credit report. I would like to have this collections account deleted as soon as possible as it has been with the other 2 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This morning on XX/XX/2020 I received 8 phone calls between the time of XXXX XXXX ET and XXXX XXXX  ET from Synchrony Bank. I was sleeping so I did not answer. I am also going through XXXX XXXX XXXX to get this taken care of. However, I know they should not have called me that many time in ONE minute. That is harassment. Thank you for your time!

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 2020-08-30 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XX/XX/2020 I submitted a dispute to all XXXX XXXX XXXX credit bureaus, of Identity theft of this account, and received a letter from the National Credit Adjusters, that this account has been verified. in the amount of {$730.00}. I received no contract or proof of any information showing that I signed documentation for this pay day loan. This account has been sold to them again, in XX/XX/2020, after successfully removing this same pay day loan from my credit reports XXXX XXXX XXXX months prior from another company.This company continues to harass me with Robocalls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: TX

Complaint narrative:
On about XX/XX/XXXX my husband and I applied for refinancing home opportunity. This event revealed that we had been rejected due to " my '' alleged Collection status on XXXX XXXX XXXX for total of {$170.00} filed on XXXX according to TransUnion Credit Report Agency XXXX XXXX XXXX  XXXX, XXXX, PA XXXX I immediately contacted and personally visited XXXX XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX when Mr. XXXX XXXXRepresentative kindly agreed to email me an official statement from XXXX XXXX showing that in fact, I do not owe any balance due to XXXX on my still current cell-number XXXX which I had it since XXXX Furthermore, the account related to this number was classified as " Personal '' until last year when I decided to simply switch from " Personal '' account to " Business '' account retaining the same cell-number. For some reason, XXXX XXXX personnel did not properly closed this " personal '' account, however all balance due were switched to " Business ''  account but in a negligent mistake XXXX XXXX left a remaining open {$170.00} on this " personal '' account. It's worth mention that this account has been closed by VZ and as a Customer I could not login into this old acc #. This is the reason Mr. XXXX could access to this old acc # being an authorized XXXX Representative. I first spoke to TransUnion Representative on XX/XX/XXXX Representative to explain that this Agency needed to correct this erroneous data showing Collection status on my behalf. I spoke to 2 Representative, none of them spoke clear English. I decided to file online investigation at TransUnion website -and also mailed my Dispute to their XXXX XXXX explaining and presenting official document sent by XXXX XXXX reflecting that : 1 ) That old acc has {$0.00} balance due and 2 ) CURRENT account to date reflects NO balance due to XXXX since I am still a Customer of XXXX. TransUnion Credit Report still insists on leaving this detrimental false report on my Credit ( not other 2 Credit Report Agencies are reflecting this mistake ). I consider this to be a breach and abuse against a Consumer on TransUnion part. XXXX XXXX has issued an official document reflecting {$0.00} balance due for both accounts : Personal and Business but still TransUnion disregards this fact. I respectfully request from CFPB your intervention to solve once and for all this issue. Thanks.

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 2020-08-30 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: NH

Complaint narrative:
I have a online account with equifax ( equifax owns XXXX XXXX XXXX so I can dispute that information on my credit report with them, without having to contact them via phone. I have been trying to get information removed off my credit report for over a year and they either delete it and put it back on, without proving information of where they are getting the source of the information and or they say the delete it and never actually delete it. They continue to lie to me all the time, They have an address of XXXX XXXX XXXX XXXX NH XXXX on my credit report. This address doesnt even exist. I have disputed this many times. XXXX XX/XX/2020 I disputed it again. As of XXXX in the morning of XX/XX/XXXX they said the dispute results have been completed. it states XXXX XXXX XXXX XXXX NH XXXX has been deleted XX/XX/2020 I logged in on my account with equifax and the XXXX XXXX XXXX XXXX NH XXXX has not been deleted. I took screen shots yesterday and today with the date of each time I logged in is at the top. I did another dispute again today because its a fraud address and doesnt exist. I drove to the beginning of XXXX XXXX and documented on video that XXXX XXXX XXXX doesnt exist. The st starts with XXXX XXXX XXXX. 

Where is equifax getting this information from there dispute when XXXX XXXX XXXX XXXX NH XXXX doesnt exist. Why are they keeping fraud on my account and lying to me? 

Attached is a multiple screen shots of my equifax account from yesterday XX/XX/XXXX and today the XXXX that proves they wont delete it when it doesnt exist. Attached is the results that say its been deleted but its not. 

XXXX video link below that proves XXXX XXXX XXXX XXXX NH XXXX doesnt exist https : XXXX XXXX attachments, attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: ERC
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am submitting a request and complaint to investigate my mortgage servicer Pennymac Mortgage Services address XXXX. XXXX XXXX XXXX XXXX, CA XXXX. I received a notice on or around XX/XX/XXXX from an attorneys office indicating I must pay a total of {$7000.00} as I will be subject to tax liens and even foreclosure. I am not sure what to do as I was away on XXXX XXXX  service orders the majority of the year of XXXX and my mortgage servicer has ultimately failed to practice due diligence and maintain my mortgage while away on military orders form XXXX XXXX XXXX, while also granting me a full year of protections without any penalty or threat of foreclosure. My mortgage company has offered me an addition forbearance period due to Covid-19 wherein I experience a delay in return to work due to the pandemic as the job to resume mortgage payments in which I accepted requires me to be in direct contact with customers however due to an acquired medical condition while XXXX has limited my mobility as well undergoing treatment has not allowed me to returned to work due to the recruiter for the role I accepted ultimately passing away due to Covid 19. The office is shut down and most employees have been furloughed. My mortgage servicers is fully aware of this thus putting me in a position wherein I can lose my house at anytime especially when I was delayed and currently undergoing treatment for a serious medical condition acquired while XXXX. Please help me as I am not sure what to do at this point. It may happen again this year as I have not received any tax notices however have been provided options when Covid 19 smooths over I can restore my payments even if a subordinate lien is an option but they clearly dropped the ball. It is not a matter of me not able to pay but they forced me into bankruptcy a year ago to protect myself from their unethical tactics as I placed them on notice I was leaving and XXXX  for military service and believe this is another way of them finding subverting and covert unethical and unlawful measures to foreclose on my home by any means necessary. Very Respectfully XXXX XXXX Reservist/Veteran XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
On XX/XX/2020, at XXXX XXXX  I went to PLS Check Cashers located on XXXX XXXX XXXX, TX XXXX to cash my check for {$2900.00}. After a fee ( XXXX ), my total cashback was {$2800.00}. The teller counted it and gave it to me. Once I got home I counted the money and noticed that I was only given {$1900.00}. I went back to ask the teller to count and she refused to count her drawer to see if she balanced. I asked to see the video surveillance and was also denied access. The teller told me to come back once her shift ended. I came back at XXXX XXXX. And was told that she balanced and they had checked the video and everything balance out. This can't be since I am missing XXXX dollars. I filed a police report at their recommendation but nothing has been done. I can not be out XXXX, especially without any help from them.

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 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am XXXX XXXX, loyal customer of Bank of America from past more than 5yrs.  I have credit card ending with XXXX and credit limit is XXXX $ for this card. 

I have not used this card much in the last year and i have very less balance and i paid it off up to date. I have lost my wallet last year and when i opened my online account recently i have noticed has been lot of fraud in my account. I have only few automatic transactions which i authorize and rest all is fraud which totals XXXX XXXX Now the balance of my card if over the limit and it is effecting my credit history very badly. 

i have raised fraud claims in XXXX and initially claims have been resolved in my favor and i had a credit in my account. Suddenly all the transactions have been reversed on my account saying i possess the card with me. So the claims have been opened wrong by one of your customer representative. I have been continuously calling to Bofa from XXXX almost every day and you can listen to all call recordings. 

i have reopened the claims and its been more than 90days. I have been talking to so many so many supervisors and asked help. None of them could help me. I am having covid and i am suffering financial hardship very badly. I am waiting for these claims to be resolved so that i can use my card. 

Recently on XX/XX/XXXX, claims have been resolved in my favor and i received letter of same. Not sure how much is the amount of these claims and there is no credit applied to my account. Supervisor XXXX XXXX from existing claims have been helping me and he said he escalated the issue but still there is no change on my account. I am really very very much frustrated with this and I urgently need help with my account. 

Please help me and you can reply me or call me to XXXX for more details. i am not at all happy with Bank of America now and i urgently need help on this. 

Looking forward for reply, Thanks 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 explanation
Consumer complaint received 2020-08-30 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: MD

Complaint narrative:
i recently obtain copy of my credit report and noticed accounts i did not authorize

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 2020-08-30 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: AFNI INC.
State: TX

Complaint narrative:
Yes so their has been 2 accounts on my credit score that have been showing up one is  AFNI and the other is XXXX XXXX, these companys put I had outstanding debt with them and Ive never opened any accounts. They were reporting I had owed money to XXXX XXXX XXXX and XXXX  I have filed disputes with XXXX XXXX and had those removed.! How can they put that on my credit without me knowing. Ive had to freeze my credit because I thought I might have had some credit fraud or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi my name is XXXX. I'm contacting you guys because my husband already contacted you guys about his debit card being skimmed at the gas station and now I believe my card was skimmed at the same gas station. I have a XXXX dollar charge at a XXXX gas station and now I have a XXXX something dollar balance. My husband had a XXXX $ charge at a XXXX as well. I'm struggling with this pandemic as it is and now we both have to wait to get our money back. We want whoever is responsible for our money being stolen from us held accountable and our money returned as soon as possible!

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 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On Thursday evening, XX/XX/XXXX around XXXX I used Western Union to send money to a person in XXXX XXXX Michigan because he needed the money immediately as a service that Western Union has been known for decades. 
I used the Western Union app ( online ) to make the transaction for convenience and because the fee was cheaper than driving to the various locations throughout my city. Western Union offers the opportunity for me to use my bank checking account only to send money and not my debit card as they do when you go into their locations in person. After I completed the transaction, I got an instant text with the conformation number to send to my receiver to alert him of the transaction number and to give him the green light that he could go to any Western Union location to receive the money. 
On Friday, XX/XX/XXXX, my receiving party went to a Western Union location to receive the money as was told that the money was not available. However, the money had cleared my checking account. On Saturday, XX/XX/XXXX, my receiving party went back to the Western Union location and was told again that the money was not available. 
This morning, Sunday, XX/XX/XXXX, my receiving party was told that the money still was not available, so at this point I am confused and upset. Therefore, I called Western Union again with my transaction number and ask why is the money not made available immediately to my receiving party and their response was that they HOLD the money for 6-7 business days not including the weekends to wait for a report from the bank?!!! Also, that it would take the same amount of time to refund the money back to my account. I then proceeded to explain that this was not explained on the website before I made the transaction as I would have traveled to a Western Union location to make the transaction so that my receiving party could receive the money immediately.

I have never known Western Union to hold money as they advertise that money is sent and received immediately and if their is a variation in this service in the 21st century by sending it online, then that needs to be explained beforehand because  traveling to the locations is the old way of doing business.

Company response to consumer: Closed with explanation