vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal-Synchrony refuses to remove a {$2600.00} charge from my account. I purchased an item through XXXX that was damaged. The seller, XXXX, originally offered to issue a return tag and pay return shipping as well as provide a full refund. They then reneged and would not pay for shipping. 
I filed a dispute with PayPal and won. XXXX XXXX still would not pay for return shipping. I filed a dispute with Synchrony who found in my favor and removed the charge. 

Synchrony then recharged my account on XXXX. I called them and they said they would have it corrected in 10 days and have someone contact me. No one has contacted me about this. Every time I call regarding this charge I get a different set of information. They even claimed they had no idea about the PayPal dispute which PayPal completely contradicts. They also state they have new data that states the item is non-returnable. This can not be true as the listing was deleted from XXXX months ago. 
I'm including the XXXX email transcripts with this organization.

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 2020-08-17 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: CA

Complaint narrative:
I made a payment arrangement with XXXX XXXX on XX/XX/2020 for my XXXX payment which was due on XX/XX/2020 and for my XXXX payment due XX/XX/2020, both to be paid on XX/XX/2020. I expressed during the XX/XX/XXXX arrangement that my payment tardiness was due to Covid-19 related issues. I gave them my checking account and routing information to secure payment arrangement. On XX/XX/XXXX and XXXX I received notices that my credit report had been updated and my credit score dropped 41 points because I'd been marked with a 30 day late on my credit reports. I called XXXX XXXX to discuss the matter and asked them to remove the late payment because I believe I'm protected under the cares act that states : If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 

XXXX XXXX stated during the XX/XX/2020 phone conversation I initiated that it was up to their discretion as to how they report late to the credit reporting companies and that their specialists will not reverse the 30 late.

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 2020-08-17 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18.00} DPTEDXXXX  XXXX {$28000.00} XXXX XXXX XXXX {$20000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$840.00} XXXX XXXX {$590.00}

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 2020-08-17 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18.00} DPTEDXXXX XXXX {$28000.00} XXXX XXXX XXXX {$20000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$840.00} MXXXX XXXX {$590.00}

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 2020-08-17 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX my XXXX asked if he could pay his rent using PayPal. To accommodate him I set up a PayPal account and he paid several payments on XX/XX/XXXX. System worked fine. The next month my tenant paid on XX/XX/XXXX. This time the funds were on " hold '' and he has been unable to release the funds. My XXXX says he has done all he can and that Paypal has removed the funds from his account. Paypal doesnt give me the option to speak to anyone, their dispute center says the dispute is with the " sender '' but the sender says they already took his money and he cant do anything else. Paypal is " floating '' the money as they say they will hold it until XX/XX/XXXX. I am put in a particular situation here as technically I have not received the rent therefore I should start legal action against my XXXX. However, my XXXX  says he has done all he can and he cant get a hold of a live person at Paypal either. This is a SCAM. I bet if you investigate Paypal you will find that they are floating customers funds illegally to the tune of millions. I have " submitted '' questions and complaints through there messaging center over five times over the last 11 days. How can this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested a deferment and received a deferment agreement from Fifth Third Bank. in the agreement it stated the company was going to defer my XXXX, XXXX, and XXXX payments due to COVID and i was told this would prevent negative marks going on my credit report. But they put negative marks on my credit report anyway. When i asked them to remove them due to the agreement, they said they couldn't do that and told me i needed to file a complaint with the FTC, they FTC sent me to this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from Chase on my credit card account ending in XXXX offering me to settle the account in the amount of {$1600.00}. I have already settled this account with XXXX XXXX XXXX which took over the collection and paid them in 3 installments as agreed upon. I have attached the copies of the cashed checks as well as Chase 's letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Have a card for XXXX XXXX thru First national bank of Omaha. Credit limit was decreased because they said payment was received 3 days late regardless I send the payment every day of the month. Told them maybe was late due mail problems due to COVID-19. Account was reviewed but not changes done.

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 2020-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
We have a high interest loan with Axos Bank that we are refinancing through XXXX XXXX. XXXX XXXX has requested a demand statement letter from Axos Bank on Monday XX/XX/2020. On Friday, XX/XX/XXXX I was informed by XXXX XXXX that a letter has not been received from Axos Band and the loan will expire in 10 days. I sent an email to Axos Bank on XX/XX/XXXX to : Axos Customer Service XXXX, Compliance Team XXXX, XXXX XXXX XXXX   XXXX, XXXX. I was blocked from the Compliance team email and have not heard from anyone to date with the exception of a computer generated email informing me they have received my email. On saturday XX/XX/XXXX I called a new phone number on that email, XXXX that said I could call 7 days a week. I was sent to the loan department by the first person but the loan department does not work on the weekend so I went to voicemail. I called back and when asked to speak to a manager I was disconnected and the third time I called I was informed I had to call back on Monday morning at XXXX. I called Monday, XX/XX/XXXX at XXXX XXXX., waited on hold for 35 minutes and was then sent to the loan department where I was assisted for 2 minutes then put on hold again for 20 minutes only to be directed by the phone system to leave my phone number and someone would call me back as I noone was available to help me. I had to file a complaint with CFPB about Axos Bank about a month ago for a similar issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: GA

Complaint narrative:
Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from experian and 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 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have contacted my mortgage company several times to inquire as to whether my summer tax bill was received. I receive notification that they received my inquiry, but never a response to my actual question. 
I contacted them most recently on XX/XX/20 and have yet to receive a response as to if they have received my tax bill as it is not reflecting the proper amount on my account and has not been paid yet.

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 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jacob Law Group, PLLC
State: AL

Complaint narrative:
I received a letter today from JACOB LAW GROUP , PLLC. The letter stated they were collecting on a judgement from XX/XX/2004. First off this alleged debt is 16 years old which is way outside the statue of limitations in ANY OF THE 50 STATES WHICH IS VIOLATION NUMBER ONE. I HAVE NOT SIGNED ANY DOCUMENTS OR DONE ANY BUSINESS WITH JACOB LAW GROUP. IAM ALSO SEEKING LEGAL ACTION AGAINST THEM FOR ATTEMPTING TO COLLECT ON AN OUT OF DATE ZOMBIE DEBT. I WILL ALSO BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OF ALABAMA, TENNESSEE, AND ARKANSAS. A FORMAL COMPLAINT WITH ALSO BE FILED WITH THE FBI FOR FINANCIAL CRIMES ALSO. IAM ALSO FILING A FORMAL COMPLAINT WITH WITH EACH STATES BAR ASSOCIATION FOR MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One supports XXXX by refusing refund {$780.00} for services that were never rendered and were cancelled in accordance with COVID-19 Government Regulations. I paid with Capital One credit card to 3rd party broker XXXX  for XXXX XXXX reservation in XXXX FL, for 1 night XXXX for {$780.00}. Night before the reservation, on XX/XX/XXXX, city was closed by Mayor orders due to Covid-19. I promptly called XXXX and contacted their customer support chat informing of cancellation. Customer support assured me they will resolve matter within 21 business days. After 21 business days no refund was issued. I called Capital One and requested chargeback. Two months later to my surprise, Capital One reversed charge back ruling in their favor. I was shocked, called Capital One back, Capital one said they need proof that XXXX never charged me for reservation. I obtained proof from hotel directly in the email confirming reservation was cancelled and never charged. Called back Capital One to show them that evidence they requested was obtained. Capital One now said that I am still not entitled, even though I provided support that they initially promised would support the basis for favorable despite resolution. Confused, incompetent work on Capital One side. Services were never rendered, reservation was never charged by hotel, crooks from XXXX perpetrated fraud and Capital One defended in XXXX 's favor. Was shocked to learn that Capital One can support fraudulent organizations. Additional support and communication provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 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: OH

Complaint narrative:
There are accounts on my credit report that do not belong to me I have tried many times to get these accounts removed from the credit reporting agencies but it is still not done. I have never done business with any of these companies and this is effecting my credit negativity and it is stopping me from buying a home.

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 2020-08-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is being reported and it has an XXXX balance. This account need to be removed and updated.

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 2020-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I asked the designated Lease return salesman to explain the early termination clause. He said it wouldnt apply to me if I paid the lease off in full prior to surrendering the vehicle, which I did. The lease company then charged me an additional nearly {$4000.00} early termination fee, despite me paying the lease off in full. When I went back to the dealership just weeks after being given advice. The man was no longer working for the company. The company had also been sold and was now under new ownership. They state they have no responsibility. 
I tried to get my leased car back and couldnt, as it was sold in auction. 
When I tried to get written notice that my account was paid in full-lexus XXXX  delayed the action for no apparent reason except to cause financial harm to me personally. The leasing company failed to have working phone services. Myself and others working on my behalf were left on hold for hours at a time. And offered nothing in writing stating my account was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used my XXXX XXXX Citi Credit Card to purchase airline tickets on XX/XX/XXXX for {$570.00}. This was also my full balance the XX/XX/2020 Stmt. XXXX XXXX cancelled the flight and refunded the {$570.00} for cancelled flights and refunded the {$570.00} to my card on XX/XX/XXXX. The payment for that period was not due until XX/XX/XXXX. This caused my stmt balance to be XXXX  and my Citi app said XXXX payment due. Then once my XXXX billing cycle closed my account all of a sudden said 6 days late and {$29.00} late fee. The App said XXXX due and the stmt balance was 100 % credited back for the only items charged. I messaged Citi thru app to discuss. They then started a discussion then went dark on me. So I then called customer service and spoke to a few different people when transferred numerous times. I finally was having a discussion with someone that said they should be able to credit back the fee but system wouldn't let them. They also said no supervisor was around to help me. So today I tried one last time and discussed issue with online rep. XXXX was rep name and she tried to also credit the late fee back due to the reason. She also said she couldn't do it since the system would not let her and she cant override.

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 2020-08-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: OK

Complaint narrative:
I live in Oklahoma and due to Covid 19 lost my job in late XXXX. I began collecting unemployment benefits and requested the funds be direct deposited to my XXXX XXXX checking account. All was fine until a month ago when unexpectedly the direct deposit stopped and funds were simply loaded onto my Go Program debit card. In the past month I have phoned their customer service department at XXXX. The first time I spoke to a CSR they verified my bank account info and said my bank rejected the payment. I then phoned my bank and was assured my bank account info was accurate and the file showed no attempt of a deposit. I called Go Program a second time and was told the office temporarily halted direct deposit and suggested I phone back in a week for an uodate. On my third call the automated system warned me I would be charged a fee if I spoke to an agent more than 2 times in a 30 day period. I waited and spoke to a csr who stated something was wrong with my direct deposit. They didn't know what specifically or when I could expect resolution and suggested I phone back in a week. I placed my 4th call  on XX/XX/XXXX. This agent told me direct deposit was no longer being offered. I pressed her for explanations and details but she claimed to have no additional information and this issue affected everyone in my state on unemployment.

Company response to consumer: Closed with explanation