vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I need a payment waiver. I am still affected by XXXX XXXX. I need help. I am not calling back XX/XX/XXXX my payment is due XX/XX/XXXX. The hold times are over 3 hours long. All my other citibank card payment request were processed online

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 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Thank you for taking my complaint. Have exhausted every effort to resolve this issue between XXXX XXXX XXXX and PayPal, neither of which has a financial interest in its resolution. I do not believe that XXXX XXXX XXXX is at fault, but neither have they tried to contact PayPal on my behalf. PayPal has been non-responsive except for their email yesterday denying receipt of the check. 

Summary : On XX/XX/2020, I sent a XXXX XXXX  XXXX ACH check no. XXXX for {$300.00} to PayPal Add Money PayPal received the check and deposited it in an account that was not mine in XX/XX/XXXX, exact date not indicated. 

XX/XX/XXXX XXXX XXXX debited my checking account for {$300.00} on XX/XX/2020 I have tried to resolve this with PayPal online customer service to no avail. XX/XX/XXXX XXXX XXXX tried, buy can not help, according to their BillPay and Fraud departments. 

Attachments : 1. Certified Letter to PayPal details of dates and  account numbers, including images of checks and deposit records 2.  Follow up letter to PayPal also including check images 3. Print copy of an email from PayPal saying they did not receive the check. 
4. Thread of messages between me and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Inquiries unauthorized, please removed immediately from 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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My complaint is with Synchrony bank. 
I had a credit card with this bank for many years in good standing. With a credit limit of {$7500.00} and a balance of {$3500.00}. Over these years I was paying for a card security program to cover any job loss or unforeseen events. When the COVID 19 pandemic hit I promptly messaged Syncrony Bank and let them know that I was going to lose my job and I needed to take advantage of the Card Security program. I didn't hear back from them so I called and requested a delay in payment and they suggested there COVID 19 program. I accepted and they immediately reduced my credit limit to {$3800.00} ( Just {$200.00} above my limit ) this tanked my credit score by 105 points and marked me as a late payment on my credit score. On XX/XX/XXXX I paid a {$600.00} payment ( more than my minimum ) to try to repair this and to get back in good standing. After the payment went threw they again reduced my limit to just above my balance ( Reducing my credit score again ) I have my job back and I have been making additional payments without adding anything to my balance. Today they closed my account saying it was due to my credit score. I am aware that my score is lower than normal but this is  mostly due to there business practices and marking my credit report as late and reducing my limit.

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 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems has an erroneous account on my credit report. I have reached out to this company to remove this account from all three credit bureaus without success. When speaking with an agent of Southwest Credit Systems on the phone, I was asked to borrow money to pay this debt and told I was a loser for not paying my bills. I am not aware of this account and have never heard of XXXX. Would you kindly reach out to Southwest Credit Systems on my behalf to rectify this situation? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I have submitted my identification and social security card for your review along with my FTC report, due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
XXXX ; XXXX and Transunion are failing to review and/or research any of my dispute letters. I have not received any communication from XXXX ; XXXX or Transunion regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by XXXX and Transunion XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by XXXX and Transunion - XXXX XXXX  partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from 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 2020-06-05 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: TX

Complaint narrative:
XXXX ; Experian and XXXX  are failing to review and/or research any of my dispute letters. I have not received any communication from XXXX ; Experian or XXXX regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by XXXX  and XXXX -XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by Experian and XXXX - XXXX XXXX  partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from 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 2020-06-05 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 disputed a fraudulent bankruptcy filing under XXXX XXXX XXXX   CA XXXX CASE # XXXX with Experian several times which Experian has continued to ignore. Experian claims they received this information from a 3rd party Vendor of XXXX XXXX XXXX XXXX XXXX which I've attached to this complaint as proof. Upon getting this information from Experian I've reached out to the vendor they claim that provided them this information and started a fraud dispute with XXXX. After XXXX investigated my fraud claim they came back that the listing in its database was fraudulent and they had removed it from all XXXX databases. 

Experian continues to play games with my dispute and acted as if I didn't submit my own dispute. With that said I've attached all proof for my dispute including my Drivers License, Social Security Card and Utility Bill as proof that it is me XXXX XXXX that is submitting the proof through the CFPB to Experian. Also this dispute that is being made through the CFPB is a result of trying to reach Experian directly with many failed attempts. Experian doesn't answer phone calls or return messages.

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 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My debit card Its not support in the cash

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have a robinhood account with my entire life savings in it. 
On XX/XX/XXXX someone breached my account and i let robinhood know so they locked my account. I still can not access the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: TX

Complaint narrative:
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 )  ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Experian after being notified by XXXX XXXX XXXX to delete the account, allowed reinsertion under XXXX name ( Same exact credit card account ), and did not notify me about the reinsertion within 5 business days, in a breach of the above FCRA section.

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 2020-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
1. I took out a loan for {$37000.00} back in XX/XX/XXXX with Ocwen Loan Servicing, the sold my mortgage to PHH mortgage which is the " same company '' I believe and now they say I owe {$51000.00}, and 15 more years. I don't know how that could be. 

2. I believe this is the same company because they have my same account number and I did not authorize PHH to take any money from my bank account and they have been, I did do a stop payment because I did not know who PHH Mortgage was. Ocwen nor PHH notified me that PHH was my new mortgage provider before going into my account and took an additional {$300.00}. 
3. They were over charging me for my insurance on my escrow and I started paying my insurance thru XXXX myself back in XX/XX/XXXX, and as of today XX/XX/XXXX they have not sent me my reimbursement for my insurance, that they have been taking and I've been paying it myself. They also knew because I did specify it and my mortgage went down by {$480.00}. 
4.When the account was sold to PHH mortgage XXXX Ocwen reported me as being multiple payments late and PHH mortgage started my account as being multiple payments late as well. 
5. PHH did a foerberance for me for this covid, but said that It was only good for XXXX, XXXX, and XXXX, because I was behind and that was't true, and I did send them my bank statements showing that I haven't been late or missed a payment in 5 years, yet they still report this on my credit report. 
They have been reporting incorrect information on my credit report which has damaged my credit significantly, some as much as 300+ months late. 
6. I have been paying towards my principal and I did specify apply to principal and they have not been applying the extra payments towards my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH-owcen return my payment XX/XX/20 required me to get attorney statement to speak with them so Im sending you their statement etc Phh, ocwen XXXX Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA statement lower amount {$880.00} instead {$880.00} property address.has error should be XXXX XXXX XXXX XXXX XXXX XXXX.CA..wow again their error wont allow me to make payment also The Attorney letter got right on ... 
I spoke Wednesday with Agent XXXX XXXX XXXX 
their are remote..said it would take a week to get my statement etc Widow of Veteran XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while return to stateside XXXX XXXX. XXXX yes I have suffered. 

XXXX XXXX XXXX XXXX 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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Due to coronavirus I was laid-off from my job in the XXXX  industry on XX/XX/2020, leading to a one-time missed payment of XXXX dollars on my Chase Bank credit card. JP Morgan reported this information to the credit bureaus on XX/XX/2020 which caused my credit score to plummet XXXX points at once. I have since brought this account current and I am ready to pay off my remaining balance if need be. I am XXXX years old and I have been a loyal customer for 4.5 years. I believe this has essentially ruined my credit unnecessarily at a very tenuous point in my relatively short financial history. I have tried to contact customer service since the reporting occurred and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I noticed a charge for Caine and Weiner on my credit reports. Its for XXXX XXXX. I called XXXX XXXX last week and found out the charges are from XXXX when my ex husband added his car to my insurance. I since learned he called and acted as if he were I. This is identity theft. I filed the identity theft affadavit with FTC and sent it to XXXX XXXX and called to follow up. They told me pretty much its not fraud and to send a divorce decree and that its been so long they probably couldn't fix the issue. IT WAS DONE WITHOUT MY AUTHORIZATION. THE CAR WAS NOT MINE NEITHER ARE THE THE CHARGES. I PAID {$250.00} to start the policy and cancelled as soon as I realized the car was added. I had insurance for 1 month and was billed over {$600.00}. I also opened a new policy with the same company when I cancelled this policy. I currently have XXXX  and have for the past 5 years. I pay my bills. This bill I am not responsible for as I did not add the car to my policy. Caine and Weiner was also made aware of the situation last week and advised I call XXXX to solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: UT

Complaint narrative:
I have previously disputed information with Equifax Credit Bureau more than once. On the majority of accounts included in my chapter XXXX bankruptcy the either the date of last activity and or the last payment update keeps getting changed. The credit bureau had already fixed this at least two times. Now I can not even contact a live person & I am finding that the only way to deal with Equifax is to file a complaint. 

This is what Equifax had told me in the past. Once accounts included in bankruptcy show up on the consumer credit report, the last payment & date of last activity, need to reflect or show the same month and year of when the bankruptcy has been filed. In my specific situation the date of last activity & the last payment need to reflect XX/XX/XXXX. What is happening is that the last payment is showing up for the year XXXX. 

Equifax credit bureau needs to lock out the creditors included in chapter XXXX bankruptcy from making any further changes. A few months ago everything was completely accurate. Now with the date of last payment showing XXXX the trade lines in the report are now inaccurate. 

I am requesting that the current online dispute that I have currently open, that each account that I have being disputed, be deleted from the credit report. For having to go through this again for at least a third time, violates the FCRA, Fair Credit Reporting Act. 

Equifax, as far as I'm concerned, can make it so that all accounts included in bankruptcy, can not be updated unless disputed by the consumer them self.But this credit bureau will not take proactive action to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
REPEATED telephone calls from Portfolio Recovery Services. 
Account information shared with my girlfriend, not spouse. Did not ask her to verify that she was married, nor if she had permission to discuss my accounts. They freely shared my address, date of birth and full name, date account opened/closed, balance info, etc and then ASKED HER to confirm its accuracy. 

Saturday XX/XX/2020 - ( XXXX ) XXXX *Missed called, attempted to return but 'call not be completed as dialed ' Tuesday XX/XX/2020 - ( XXXX ) XXXX *Spoke with rep, informed there would be a return phone call once research was done regarding the debt Thursday XX/XX/2020 - ( XXXX ) XXXX *Spoke with rep informing of Tuesday conversation and that no further discussions would occur until personal research was completed Friday XX/XX/2020 - ( XXXX ) XXXX *Missed call, attempted to call back but 'call can not be completed as dialed '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I.Q. Data International , Inc. ( debt collector ) -contacted me via mail on XX/XX/2020 about a debt that I have disputed before and had removed from my credit report last year. This debt collector claims that I owe {$7500.00} and interest of {$1700.00} which equals {$9300.00}. They claim this debt is from XXXX XXXX ( WA ). I have no knowledge of this made-up debt and never received documentation proving that I owed this debt and for what the debt was for. This debt collector has contacted me again after the dispute was taken off my credit report and claiming that I owe this unfounded debt. I contacted them to let them know that this debt has been disputed and they need to prove documentation of this debt. They were never able to provide proof of this debt to XXXX when I disputed it last year and I'm still waiting for proof of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief