vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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:
After reviewing my credit profile I saw there were discrepancies listed that were not authorized by me or made by me. This is negatively impacting my credit score.

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 2020-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: IL

Complaint narrative:
Purepoint closed my online savings account on XX/XX/20 with no prior notification and without my permission. 

I received a phone call the prior week ( on XX/XX/20 ) from Purepoint asking me to call them back at their convenience. As I was traveling that week, I hadn't gotten the chance to call them back at the time of account closure. 

When I called Purepoint on XX/XX/20 to learn of the details of the account closure, they said my account was not in compliance with bank secrecy laws because they needed more information about the joint holder of the account ( my wife ). Purepoint says that they had reached out to my wife for further information ( emails and letters ) but she has no record of receiving either form of communication. 

As I see it, Purepoint gave us one week to call them back, which we didn't do in a timely manner, and promptly closed the account without further thought of ramifications.

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 2020-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020 I made a XXXX transaction for an online purchase for XXXX I immediately tried to reverse the charge because I learned the seller was known for scams. I called Wells Fargo about 20 minutes after I made the transfer and the person from the bank said all he can do is put a fraud claim in, and they would get back to me. Nobody ever did. 
I called Wells Fargo on XX/XX/2020, and spoke with someone, and he told me the case was closed. He continues to explain that they have nothing to do with XXXX so Im basically out of the money. He continued to tell me I shouldnt use XXXX unless its family or friends, but I trusted it because its front and center on their web app.. and I had no idea there was no protection for anyone who uses their service. Highly disappointed with Wells Fargo being Ive been a customer for 25 years and use a service that they promote and they do nothing but say sorry. It was XXXX dollars that I lost and the bank will Do nothing to help Me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NC

Complaint narrative:
MY EX DAUGHTER IN LAW OPENED A AUTO ACCOUNT IN MY NAME AT PNC BANK WITHOUT MY PERMISSION! IVE CONTACTED PNC BANK SEVERAL TIMES AND SHOWN THEM POLICE REPORTS AND FTC REPORTS AND A COPY OF A SERVED WARRANT FOR THE CRIME AGAINST MY NAME. THE ADDRESS THEY HAD UNDER THIS ACCOUNT OPENED IN MY NAME WAS FRAUD AND THEY EVEN REMOVED THE ADDRESS AS FRAUD ADDRESS, BUT NOT THE ACCOUNT. WHEN THE ACCOUNT WAS OPENED I WAS IN XXXX XXXX XXXX IN XXXX FROM A XXXX XXXX  AND CAN BE VERIFIED WITH MY DOCTORS! SO HOW CAN I BE AT THE DEALERSHIP AND IN XXXX AT THE SAME TIME. XXXX XXXX XXXX WAS XXXX  AND XXXX  AND XXXX XXXX   OF THE XXXX  AND NOW IS XXXX  XXXX XXXX. I WANT THIS REMOVED OR I WILL FILED A LAW SUIT AGAINST PNC AND THE DEALERSHIP FOR ALLOWING THIS TO HAPPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit profile I saw there were discrepancies listed that were not authorized by me or made by me. This is negatively impacting my credit score.

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 2020-10-09 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: FL

Complaint narrative:
After reviewing my credit profile I saw there were discrepancies listed that were not authorized by me or made by me. This is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received 30 days late report on my Expirian credit bureau, the creditor XXXX   XXXX has recognized this mistake and issued letter explaining that there is no 30 days late on my account and sent that letter to all credit bureaus Expirian, XXXX  and XXXX XXXX, I have disputed this inaccurate report with all the credit bureaus stating my case of inaccurate information and providing original document i received from the creditor to confirm my statement. So far i received one respond from Expirian 4 weeks later stating that my account was 30 days late basically confirm the initial negative report, then i have disputed the negative outcome again uploading the original document from the creditor stating no late activities on my account, again 4 weeks later i received negative outcome from expirian and i still have the negative record on my credit. From XXXX  and XXXX  i never received any respond yet on this matter. I would appreciate very much if you can help me out with this issue because during the past 60 days number of creditors lowered my credit limits and my score dropped for more XXXX points also this effected my son 's credit score because he is also a cosigner on this lease with XXXX XXXX  his name is XXXX XXXX. 
Please help. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My checking account with TD Bank shows TWO withdrawals that I didn't make : {$380.00} XXXX XXXX  on XX/XX/2020 {$800.00} XXXX XXXX   on XX/XX/2020 I w

ent to the Bank and reported a claim for this, the bank sent me 2 letters stating that they have completed the review of the complaint and the investigation determined that fraud did not occur. This answer is because the bank is saying that the PIN number was used on both withdrawals. I insisted that I didn't make those withdrawals and they sent me to the police. I went to the Police station and made the report, unfortunately the bank couldn't give me the exact location of the ATM where the money was withdrawn  from for both transactions, they only gave me one location where the {$380.00} was taken from, without the exact location of the other withdrawal of {$800.00} the police can not investigate or get videos. The police said that the bank should be the one investigating all of this and try to locate the videos from those ATM machines since I am telling them that I didn't do the withdrawals or that I didn't authorize them. My card was lost that day and obviously someone had access to it. I need to know who took money from my account specially since the bank is saying that they used the PIN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a XXXX Mastercard account reporting on TransUnion and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact XXXX and they were unable to locate this account.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a XXXX Mastercard account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact XXXX and they were unable to locate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express continues to report two debts that were discharged in Chapter XXXX bankruptcy ( XXXX ). I talk to them about the problem several time. As of today the information is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police 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 2020-10-09 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: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Lending Acceptance, LLC is incorrectly reporting my account late to credit bureaus as being late. 
On XX/XX/20 I called Flagship and asked the representative if there is a program that could help me due to Covid-19. I was assured by the representative if I can make 1/2 of the payment today, the balance can be paid on my next statement ( listen to interaction call ). I explained to the representive that if I paid only half the payment, I do not want to be reported negative to the credit bureaus. She assured me that I would be current, but need to make a payment today. After payment was processed she explained I can also change my due date since I get paid only once per month. 

On XX/XX/20 I received an email from Flagship information me that my paid is due. I called the representive and explained my conversation and payment on XX/XX/20. I also informed him he had the wrong account number in his email to me. He said it was a typo.The representive said not to worry he sees the payment. Just to me prudent, I responded to the representatives email confirming our conversation. 

XX/XX/20 I received notification from XXXX  that Fladstar has reported me late. I called Flagstar and was informed the representive on XX/XX/20 never deferred my payments. I explained our conversation and I would have not made the partial payment if I was still going to be late. I was informed I would have too dispute with the credit bureaus.

I am reminded of Flagships logo, " Where credit is a problem, we're here to find a solution. Our company is here to offer options ''.

I believe Flagship is in violation of the fair credit and reporting act. I want my account updated and reported correctly.

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 2020-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Two separate deposits to my PAYPAL account were placed on an extended hold without prior notice. 

One transaction was placed on a 21 day hold, because PAYPAL suddenly decided I was a " New Business '' even though I was not a new business or even a business. There was no previous warning when i had deposits to this account. 21 days is a random and extended amount of time to withhold funds. The sender sent this money on XXXX XXXX. Paypal further told me that the person who sent the funds could " complete '' the transaction by approving on her end, however she has no such ability to do this as it is not offered to her and Paypal is lying about it. 

The second transaction is from a person who sends funds on a regular basis and Paypal put a 10 day hold on it because they said it was a check or paid from a checking account. 

This is ridiculous, as banks aren't allowed to hold funds for that long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
PNC is being once again completely fraudulent with documents deferring payment during this covid. Spoke to agent sent docs back to add to back of loan Now they are stating docs were late padtdue and thdy need complete payment of owed amount. Hassling me over phone every day not receiving the correct datsz due told me initially as long as postmarksd XX/XX/XXXX nd they have not received by mail yet as of XX/XX/XXXX th. Please stop them from this and put balance on back of loan. 

Second fraudulent claim against them in one month. They told me pmi would be removed and forebearance would not effect it. More lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XX/XX/XXXX a funding deposit was sent to Synchrony Bank for the Amazon Credit Builder store card. The secured credit card had a opening credit of {$200.00}. In XX/XX/XXXX the balance on the account was paid in full. On XX/XX/XXXX I filed for personal bankruptcy, which DID NOT include the Amazon Store card. 

In XX/XX/XXXX through to XX/XX/XXXX I had spoken with numerous customer service representatives that had assured me that my deposit was being mailed to me only to find out it was not. On XX/XX/XXXX I received a letter from XXXX XXXX on behalf of the CEO and Director of Synchrony Financial. In her letter it states their policy is to send these checks to the trustee. 

If the account is not part of a bankruptcy that is incorrect because now this account is marked as bankruptcy when it was a clear account that there was no delinquency. 

This is ethically and morally wrong, I am filing a complaint because this company did not abide by their own policy regarding secured funding deposits. This is what it states on the Amazon website regarding Amazon Credit Builder.

Security Deposit Refund If you close your account and have paid your balance in full, you will receive your security deposit back by mail. If your Amazon Credit Builder is upgraded to the unsecured Amazon Store Card, Synchrony Bank will automatically issue an unsecured Amazon Store Card account to you and refund your security deposit. Learn more about upgrading to the Amazon Store Card.

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 2020-10-09 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:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
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 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/20 XXXX in the middle of the night while I was asleep, there was a log in to my Paypal account from a device Paypal did not recognize ( as indicated by their alert email to me ). There were 2 test transactions that deposited and withdrew funds from my account at  XXXX, then proceeded with taking funds from my bank account linked to Paypal at XXXX and XXXX both were NOT done by me and NOT from my computer. These transactions were {$1800.00} & {$2400.00}. I have no prior transactions over {$500.00}. By XXXX upon logging into my email and learning about the security breach, I contacted Paypal via chat. Paypal has no phone number available to call. I filed resolution with Paypal, but Paypal insisted these were authorized transactions and consistent with my payment history and denied reversing the charges. I filed appeal again with Paypal and  they again insisted those charges were authorized. I have since filed a police report with my city ( ase number XXXX ). Paypal breached my account security and allowed money to be stolen from my account. I want Paypal to reverse my these charges and restore my account rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Best buy citi card pre selected the option " box '' to opt us into paperless statements. Thus we had not received a paper statement and did not realize we had an outstanding balance which were not contacted about for almost 4 months. This has ruined our credit history and I believe it was deceitful on behalf of citi card to pre select this option thus affecting consumers who rely on paper statements to manage their payments.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX continues to report two debts that were discharged in Chapter XXXX bankruptcy ( XXXX ). I talk to them about the problem several time. As of today the information is still being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
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