vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: IA

Complaint narrative:
I submitted a complaint some weeks ago on inquiries with transunion they deleted the ones I didnt need deleted from my report but now all the inquiries on my report are the incorrect ones. XXXX ( XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, 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 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Good Morning, I made a payment to PAYPAL SYNCHRONY and then I DELETED my bank information right after because PAYPAL likes to make unauthorized charges directly to the bank account. I thought all was fine then I get an email stating my payment was returned and I have been charged a fee. I emailed my bank and they show absolutely no return or payments made so this is something on SYNCHRONY 's end. The only thing I can think of is I deleted my banking details too soon, but I made a transfer of {$2.00} just fine so that does not make any sense. I told them to refund the fee and I will try again and leave my bank until the payment actually posts, but I just got a vague XXXX  answer from CSR so now escalating this again. 

Thank You Please refund the {$29.00} fee and I will reprocess the payment. The only thing I can think of is why the payment failed is because I deleted my banking information right after making the payment which I am not sure why that affected it as I made a transfer to my bank of {$2.00} and it was successful, but I will NOT be leaving that saved anymore due to PAYPAL charging purchases directly to my bank account without my authorization. 

Please advise. 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX hello please advise why my payment was returned and you charged me a fee. My bank has sufficient funds. The only thing I can think of is after I made the payment I DELETED my bank information as I will NO LONGER save my bank information on this website. Please refund the {$29.00} charge you have posted otherwise I will be reporting it to the CFPB & XXXX My bank details were correct and you authorized and linked them. I got my transfer I made of XXXX fine so please check your own records and advise. 

XXXX XXXXPayPal Credit Customer ServiceRE : PayPal Credit Account Information Hi XXXX , Thank you for your recent inquiry regarding your PayPal Credit account XXXX and the opportunity to be of service to you. 

We received your payment in the amount of {$120.00} and applied it to your account on XX/XX/2021. 

Your payment was returned from your bank unpaid, therefore, the dollar amount was debited back to your account on XX/XX/2021. We are not able to re-process the payment. Please remit another payment to replace the payment that was returned as unpaid from your bank. 

If you are questioning the reason the payment was returned, please contact your bank. 



We appreciate you as a valued PayPal Credit customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center. 



Sincerely, XXXX Customer Service

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 2021-04-28 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: GA

Complaint narrative:
EXPERIAN IS CONTINUOUSLY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE BEEN IN CONSISTENT COMMUNICATION WITH THE ORIGINAL CREDITOR, XXXX XXXX. XXXX XXXX  HAS AGREED TO REMOVE THE LISTING FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITY. AFTER SUBMITTING MY DISPUTE, ATTACHED WITH A LETTER FROM XXXX STATING SUCH, EXPERIAN HAS YET TO REMOVE THIS ACCOUNT. XXXX XXXX AND XXXX HAVE BOTH REMOVED THIS ACCOUNT BUT EXPERIAN HAS NOT. THIS IS NOT MY ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY.

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 2021-04-28 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
From XX/XX/2020 through XX/XX/2020 there were charges on my card that were not made by me or authorized by me. There was a XXXX account fraudulently made under my name and information and this card was used to purchase parking for those few months. 

I haven't used the card since XXXX and the charges accrued up to {$1000.00} worth of purchases not authorized. 

I filed the complaint with Barclay 's and they claimed I authorized the purchases.

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 2021-04-28 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX APARTMENTS ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have 5 accounts with Portfolio Recovery. While filing a dispute with the Credit Reporting Agencies for 1 of these accounts ( # XXXX ), Portfolio Recovery inserted a " false dispute '' on ALL the other 4 accounts I have with them through the Credit Reporting Agencies. XXXX Documents uploaded ) The 4 accounts misreported as disputed are as follows : XXXX XXXX XXXX XXXX I have never disputed these 4 accounts with the Credit Reporting Agencies nor with Portfolio Recovery. I have had no communication with Portfolio Recovery regarding these 4 accounts. 1 of these 4 accounts ( XXXX - docket # XXXX ) is also involved in an active court process with a court date of XX/XX/2021. XXXX Documents uploaded XXXX. By placing the false dispute on this account, Portfolio Recovery may have compromised my character, my right to request documents for court, and chances of properly representing myself in court for this account. Portfolio Recovery only has a right to put a dispute remark on the " specific '' account a consumer disputes, not other accounts that have no connection with that dispute. Each account is treated separate. If this is happening to myself and to many other people by Portfolio Recovery, it could potentially be compromising many people 's credit report scores and rights under the FCRA without their knowledge. This was only brought to my attention by a 3rd party credit monitoring service. XXXX, XXXX and XXXX did not send me notifications these disputes were put on. The accounts listed on XXXX look as though they were " verified ''. XXXX and XXXX still say disputes in progress. 
Not only has Portfolio Recovery violated the FCRA by knowingly and willingly filing false disputes, they have possibly compromised my character with the Credit Reporting Agencies for filing multiple frivolous disputes. I would never dispute accounts that may be reporting accurately and without providing supporting documents. This could possibly prevent me from filing a dispute on these accounts in the " future '' if necessary. I also can not file a " dispute '' on the " false disputes '' because it's saying I can't file a dispute while a " dispute is in process '. This violates my rights of being able to dispute information via the Credit Reporting agency first for a civil lawsuit for Portfolio Recovery if that were my intentions. 
Having these frivolous dispute remarks on my credit report could also jeopardize my upcoming mortgage application and student loan application for my child. This has caused me great emotional and physical distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Elevate Recoveries, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ELEVATE RECO ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/21 I sent {$1000.00} deposit for a puppy that I never received through Capital One Bank through XXXX. I told them that I didn't know the person XXXX XXXX that I sent to this supposed person 's email XXXX on XX/XX/21 because that was the date I was supposed to receive the Bernedoodle puppy Named XXXX and I told them on XX/XX/21 that I was Scammed. Capital One bank said that the claim was denied on XX/XX/21, Then I called Capital One Bank on XX/XX/21 and I asked to speak to the Fraud department and I told them again that this was Fraud because I was Scammed and requested that they send me the transaction, which they did but was not legible at all and I also started a second complaint on the same matter on XX/XX/21 and on XX/XX/21 they denied me again. I just want my {$1000.00} deposit from Capital One Bank because I did send the money not knowing who XXXX XXXX was and I never received the puppy. If you look at my History with Capital One Bank, I never made a claim for any high dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
ON XX/XX/2021 I SENT MAIL TO EQUIFAX, XXXX  AND XXXX  TELLING THEM TO PLEASE SEND ME VARIABLE PROOF OF THE ACCOUNTS THAT ARE INACCURATE. 

1. XXXX XXXX XXXX ACCNT # XXXX {$1500.00} 2. XXXX XXXX XXXX XXXX ACCNT # XXXX {$980.00} 3.XXXX  ACCNT XXXX : XXXX {$1000.00} 4. XXXX XXXX XXXX ACCNT # : XXXX XXXX. NO NAME ONLY THING IT SAYS XXXX, OH XXXX {$250.00} IDENTIFICATION NUMBER : XXXX 6.XXXX/ XXXX XXXX XXXX XXXX XXXX {$10000.00} 7. XXXX XXXX XXXX XXXX # XXXX {$230.00} 8. XXXX XXXX  DEBIT CARD ACCNT # XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent numerous requests to delete the old addresses that do not belong to me on my Experian and XXXX credit reports. 

The following addresses are on my XXXX  : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX The following addresses are on my Experian : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have been sending the attached proof of address for over 6 months with dispute letters.

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 2021-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
It turns out wells fargo provided personal information about the account holder to a XXXX  XXXX. I had to make a police report cause he has a hold on my sister 's information and is now having us to go to probate court. Really a XXXX  pretending to be her husband?! After I sent forms to wells fargo how my sister 's death certificate was falsified and the funeral home is being investigated by texas funeral commission. What a shady bank!

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 2021-04-28 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Radius Global Solutions LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... RADIUSGLOBAL ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I requested a 6 month forbearance with M & T bank, it was extended for another 3 months. I advised M & T Bank in XX/XX/XXXX, I was able to resume making payments and requested a loan modification. On XX/XX/XXXX, I submitted the information requested by M & T Bank of NY, which was a modification statement, stating that I am the sole owner of my property, that my property is tenant-occupied and my tenant was impacted by Covid 19. 

XX/XX/XXXX, M & T Bank sent documentation with the terms of my modification and a statement that I would receive the documentation within 30 days. It is going to be sixty days soon. 

Here it is XX/XX/XXXX and I still do not have any paperwork with the terms of the loan modification, although, I received documentation on XXXX and I was told recently on XXXX that this was completed. My frustration is that I'm being asked to make monthly payment via phone as oppose to having the option to pay online. I'm called weekly to ask for payment arrangements and I can not make any payments online, only via the phone.

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 2021-04-28 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: CA

Complaint narrative:
I am a XXXX XXXX and notified of the data breech so i checked my report and i found several hard inquiries to things I never applied for. I also saw a XXXX bank account in Texas that is not mine but has been opened since 2019! That is not me, please help!

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I settled these loans in full for deletion with the collection agency. Now, XXXX is refusing to update the accounts

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 2021-04-28 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase card is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt continues to report on my credit file and continuously updates on my credit file. I have settled this account with them and they continue to report negatively on my credit report. This is inaccurate and this account must be fixed. Reporting erroneously on credit is a violation under the FCRA and reporting invalidated debt on credit could constitute fraud. Please remove this or fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation