vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
XXXX/XXXX/XXXX - received letter from Money Network Cardholder Services, which included a Visa Debit card ( last XXXX XXXX XXXX my myself and my husband for {$2400.00}. I did not want the card, and preferred the {$2400.00} be deposited directly into my checking account. 
XX/XX/XXXX - went to EIPcard.com site and created an account and requested a transfer of the entire {$2400.00} ( Economic Impact Payment ) into my personal checking account with XXXX XXXX. 
XX/XX/XXXX - Called the Customer Service number provided by EI to XXXX XXXX and advised the money had not been transferred and was told it could take several weeks. 
XX/XX/XXXX - Called XXXX XXXX  again and advised money was still not in my account. Again, told it could take up to 60 days. 
XX/XX/XXXX - Called XXXX again because I still had not received the money and they offered to put a trace on the money and told me to call back in a few days. 
XX/XX/XXXX - Called XXXX and they said they couldn't find anything and would send me forms to file a dispute with Money Network. 
XX/XX/XXXX - Received letter from Money Network with Case ID and forms to be completed. 
XX/XX/XXXX - Received letter from Money Network that the investigation was complete and there was no error and the claim was denied and closed. They denied and closed it prior to even receiving the completed forms from me. 
XX/XX/XXXX - Called Money Network to ask them the routing number of where the money was sent to confirm it went to my account and was given the website XXXX to find the documents related to my dispute. This website came back as unfound. Called back to Money Network and confirmed spelling of website, still unfound. 
I still have not received the money. I provided Bank signed bank statements showing the funds were never transferred into my XXXX XXXX account. The Money Network Financial website shows the balance of the debit card is {$0.00} and the money was transferred to my bank account but it has not been transferred. 
I also was referred to call the IRS, but was told they could not do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: IL

Complaint narrative:
I noticed someone applied for a credit card without my knowledge and authorization. Also some filled me for tax which I did not authorized. I believe someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
As of XX/XX/XXXX my Conventional Loan that is serviced by XXXX XXXX is below 79 % Loan to Value and I have 0 missed payments since closing on this loan in XX/XX/XXXX. All of my payments and statements have included a Private Mortgage Insurance ( PMI ) payment of {$33.00}. I requested in writing to remove my PMI on XX/XX/XXXX due to the fact that my Loan to Value is now below 80 % and I have never made a late payment or missed a payment on my loan. I never received a response and my XX/XX/XXXX payment was still processed on XX/XX/XXXX with the {$33.00} PMI included. I sent a second request to remove my PMI on XX/XX/XXXX and again have not received a response. I contacted XXXX XXXX on XX/XX/XXXX and spoke to an agent that informed me a response would be provided to me by XX/XX/XXXX but I have received a response, and my XX/XX/XXXX statement still contains the {$33.00} of PMI.

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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage company ( Mr. Cooper ) has not paid my city property taxes since XX/XX/XXXX. I have emailed the company the information and called on XX/XX/XXXX, XXXX, XXXX, XXXX and no action has been taken to pay the taxes, late fees, and interest. I have tried to get a HELOC through another bank and the title company will not allow the HELOC to go through until the city taxes are paid. This is holding up construction plans for an addition. There is more than twice the amount needed to pay the taxes in the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported fraud to Bank of America as soon as I noticed the unauthorized ATM transactions. They froze my account and did not allow me to access remaining funds. I reported the unauthorized charges on XX/XX/2021. I have been told by BofA reps and supervisors to keep calling back every other day until the issue is resolved. In total I have lost roughly {$4200.00} that was my only source of income. They took every dollar and left me with nothing. Theyre debit cards are not secure and are vulnerable to fraud. I have not received any sort of help from BofA to resolve the issue. They will not allow me to file a claim or access my remaining funds. They have no time line for when the issue should be resolved or any sort of plan for dealing with enormity of the fraud they have on their behalf. I am disgusted and appalled with Bank of America as an Institution.

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 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously. I have no knowledge of this account or company.

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 2021-02-26 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: NY

Complaint narrative:
I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not even showing in dispute nor is removed from my report. The account always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let this fraud account affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
Acct # XXXX credit file # XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have tryed calling only to have the computer refuse my call and left messages thru my paypal and not one reply. I am talking aboiut Paypal and a refund from XXXX XXXX XXXX I am trying to get out of paypal thats allready been refunded to me thru paypal. 
There inaction and puting a hold on a refund and claiming it is a sale when I dont sell is all intentional and wrong. I am so sick of Paypal and just need to pickup a refund and not be harrased by there workers. I am ready to file a complaint with Minnesota Attorney General as there out oif line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Nelnet, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There is an unverified late payment, paid charge-off, and collection that hasn't been validated that's on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
In early XXXX, we requested Mr. Cooper remove this property from the forbearance program and that we would pay any back payments owed. Instead, Mr. Cooper placed this loan into a deferral modification which has created a tremendous headache for us as we are trying to obtain another mortgage loan with a different lender. 

For 5 weeks we have requested Mr. Cooper correct what they did. I have talked to 10 different customer service reps, received multiple conflicting responses ; most recently 2 weeks ago when I was told they they would correct the problem and remove the modification in '3-5 days ' only to be informed after the 5th day, the modification request " had been rejected '' with no explanation as to why. I was then told the process had to 'start over again ' ( on or about XX/XX/XXXX ). I have emailed and called the 'dedicated customer service ' rep I was supposedly assigned every day ( as well as email ) for an update on this status only to receive ZERO response providing any status as to this request.

This is one of the worst customer service experiences I think I have ever experienced. Mr. Cooper was able to place this loan into the program I did not request in a day yet 5 weeks have gone by and one of the largest mortgage servicers in the US is unable to reverse this mistake. 

This issue has seriously impeded my ability to secure other financing and it is going to probably cost me $ XXXX to seek an alternate solution for something Mr. Cooper SHOULD have resolved 4+ weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: WA

Complaint narrative:
My husband XXXX XXXX and I I have two ( 2 ) store accounts with Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX. In XX/XX/2020, as normal, we separately paid the amount due to each account. Synchrony Bank placed the funds from each account into only one of the accounts. The next month, we received a {$29.00} late fee charge on the account which Synchrony Bank failed to properly apply the payment made. I immediately paid the full balance on the account, plus the {$29.00} late charge. 

In XX/XX/2020, a {$170.00} balance owed me was shown on the account that Synchrony Bank failed to apply the payment we made in XXXX. 

My husband immediately called in and requested a refund of the {$170.00}. He was told that the {$170.00} would be applied to any future purchases. He advised that I would not be making any such purchases. He was then told a check would be sent out immediately. No refund check ever arrived. He has have since called numerous times in order to obtain the balance due me. It should be noted that their mistake cost me {$29.00}. In addition, Synchrony Bank charges 29.99 % usury interest ( when the fed funds rate is XXXX % ) should I pay over time. 

Synchrony Bank continues to acknowledge that they owe me {$170.00}, however, have continued to refuse to send me the payment.

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 2021-02-26 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I signed up for a checking and savings account at citizens bank on XX/XX/XXXX with the promotion as detailed below : " Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months ( this must be the initial deposit according to comments ) Get an additional {$100.00} when you do both '' I have been credited for the checking account portion of this promotion, but have yet to receive the other {$200.00} & {$100.00}. 

I have contacted citizens bank on numerous occasions to get this resolved, but they have not credited the account in accordance to the stipulated pay out date which was listed on the application. 

I have contacted citizens bank via their online Secure Messaging portal on various occasions over 3 months for a total of roughly 15 messages. I have contacted them over the phone on XX/XX/XXXX, which they did not answer the phone and again this morning on XX/XX/XXXX which they hung up on me after 47 minutes on the phone. 

Citizens bank should credit my account for the correct portion of the bonus as stipulated in the application and as I have met all of the terms. 

This is unacceptable and not what I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit score dropped by 90 points in 30 days. The reason given on my credit report is that I have a delinquent account. This is inaccurate. I have no open accounts that I currently owe any balance.

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 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX has refused to settled my debt. I paid my debt off on XX/XX/XXXX. I was served paper work for small claims court on XX/XX/XXXX. I called XXXX XXXX XXXX immediately on XX/XX/XXXX after receiving the papers. They assured me that the debt was paid in full and that they would notify the legal department and that they would send me a letter of pay off. XXXX XXXX XXXX told me to attend the court date and show the letter of payoff. I attended court to find out that the attorneys paperwork showed I still owed a balance. Another court date was given to me to be at for the same matter. The attorney directed me to call XXXX ( XXXX XXXX XXXX ) to take care of the matter. I got the run around again. 


XXXX XXXX XXXX XXXX has repeatedly refused to mark the debt as paid for the courts. Court documents reveal that XXXX, XXXX has had the payment information on the pay off since XX/XX/XXXX. Repeated calls to mark the debt as settled have been ignored. 

XXXX XXXX XXXX XXXX has needlessly damaged my credit, willfully ignored our requests and demanded payment AFTER the payoff. XXXX XXXX has harassed and refused to work with us. On the phone they say they will assist us, but there is never any follow up. The attorney for XXXX XXXX at the hearing showed a balance on the account. This PROVES that XXXX XXXX did not follow through. 

Our credit has been damaged by XXXX XXXX and we need to be made whole while alerting honest citizens to their dishonest and ugly collection tactics.

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