vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have a pay pal account for years. In the month of XXXX and XX/XX/2021 thye did nit send me a bill. This wads their mistake I always get mailed bill for years. They kept sending me e mail bills were late. I went on line and found late charges and no mailed bill. I copied both and mailed a check and ask they remove late charges. The lady was not polite but did remove late charges. Never been late on any bill ever. What they failed too do is remove this from my credit report. My score for many years is XXXX plus almost prefect that I take pride in. Now thanks to them Pay Pal it is XXXX! I feel they should correct the data and get my score back. I told them one more error and we are done with them. This is unfair trade practices. They made the mistake yet they want to blame me. I am still waiting for a bill for this month? I wrote them a letter all they did was send me copies of bills that I printed on the internet and paid. Can you please ask them to just mail my bill and I will pay it. I am not paying late charges or interest for their mistakes. Please run a credit report on us and you will see I am being truthful. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .I just want my credit score back!

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 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
What happened? FRAUDULENT COLLECTION TRANSWORLD SYSTEM INC/ has flagged your account as Collections on XX/XX/XXXX. 
Source : XXXX Company : TRANSWORLD SYSTEM INC/ Address:XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX ( XXXX ) XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/XXXX Balance : {$88.00} HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS. 

Complaint : XXXX Complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT : Debt collection ISSUE : Attempts to collect debt not owed HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS. 

Previous complaint : HI there. This account was closed in XXXX of XXXX. I have returned the apartment and move to a different city. I remember I have complained about XXXX impersonators in the past. This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. All charges related to electricity were payed off and the account closed. Please see the XXXX email regarding this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Synovus Bank
State: FL

Complaint narrative:
An account that is being paid 100 % on time and has never been late is being reported to the 3 major credit bureaus as a charge off. This is incorrect and can't seem to have it corrected by the lender. I am attaching the last statement received from the lender and proof of the latest payment made on time Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: MI

Complaint narrative:
on XX/XX/XXXX Revco sent me a letter Stating I owed on 4 accounts from XXXX XXXX XXXX. XXXX for {$31.00}, XXXX for {$150.00}, XXXX for XXXX and XXXX for {$540.00}. 

I disputed this letter since I had already made payment arrangements with XXXX. 

on XX/XX/XXXX I called XXXX and they confirmed I was making all of my agreed payments on time and the accounts were being pulled from collections. 

on XX/XX/XXXX I was sent a letter from Revco stating that they had confirmed that I owe them for the accounts mentioned above. 

on XX/XX/XXXX I called XXXX billing and talked to a XXXX XXXX he told me that the accounts were being pulled from collections because I have been making my payments. He also stated that he was confused why account # XXXX was even mentioned at all because I had paid that at the time of the procedure. 

on XX/XX/XXXX I again called XXXX billing to confirm that everything was cleared up and I could continue making my payments. She told me that yes everything was pulled from collections but that now I somehow owe {$1500.00} for all accounts. 

on XX/XX/XXXX I received a response from Revco from a complaint to the XXXX  I had submitted against them. They responded that account # XXXX and XXXX were paid in full but I owe {$540.00} on account numbers XXXX and XXXX. 

I do not owe Revco any amount of money as I have been making installment payments on my amount due agreed to by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Sent from my XXXX XXXX XXXX XXXX device -- -- -- Original message -- -- -- From : XXXX XXXX Date : Tue, XX/XX/2021 XXXX XXXX To : XXXX ; Cc : Subject : Coinbase Buy & Trade Bitcoin, Ethereum & more I need to Login to my coinbase pro account, but I can't because apparently they made me fraud and blocked my income, they also withdrew {$1000.00} without my authorization from my bank account XXXX bank I need to solve me shortly I am very upset with you. {$7100.00} dollars in shares with you and I can not withdraw them since they changed my password, please, I need help to activate my urgent password.I should also tell you that the hakers bought with my stock ethe and litecoin they bought bitcoin and tried to sell them. I never bought or transferred my shares to bitcoin. 
I have with you Ether : XXXX Ether : XXXX Litecoin : XXXX My XXXX bank give back {$1000.00} But still waiting for you Send me a my email reactivated My password.i need help me assonest Waiting since XX/XX/2021 Thank It second time make complaint the company answer you them try contact me but is not true I never receive email from them XXXX Just need them send me email I dont have acces my account .I have a lot money Please help me just need take out my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
It been over 30 days no response for XXXX, Transunion and XXXX on fraud account 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 2021-09-07 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: OH

Complaint narrative:
BEEN OVER 30 DAYS NO RESPONSE FOR XXXX, EQUIFAX AND XXXX ABOUT INCORRECT FRAUD ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
We receive foreclosure documents from XXXX and their attorney XXXX XXXX  XXXX again on XX/XX/. This happened 16 months ago. We sent them a letter and documentation stating that they did not have the rights to the property could not to foreclosure on it. We also stated that the loan was satisfied. Now again they have a sell-for date for XX/XX/. This came completely out of the blue and with no communication ( other than that letter ) for 16 months. We believe this foreclosure is illegal for two reasons. 
This long loan was satisfied years ago. We continue to pay on the loan even after it was satisfying because we were not informed that it was. Would like to know where those payments went. 
We also believe that they don't have the legal right to foreclose the loan because of improper paperwork. They discount these facts as a red herring or us trying to just cause problems with the loan but we believe rule of law is important and proper documentation is crucial and these matters. We believe that because they are not the proper servicing agent is the reason it has been so hard to get verification and documentation. When we do receive documentation sometimes it's different from what they sent the time before and sometimes it's different from what was recorded with the county. 
We feel that there have been strange things going with This file. Every time we ask for clarification we have been sent to or contacted by departments that the regular departments could not identify. To use an old adage we feel we are being railroaded mainly by Chase as the server of the loan. 
We are afraid of losing our home and all the equity in it. We believe that the loan was satisfied essentially twice. 
We demand that this foreclosure be stoped and this loan reconveyed now. 

XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: TN

Complaint narrative:
I submitted a complaint against this debt collector on XX/XX/2021 and they replied on XX/XX/2021 stating that they are not the appropriate company to address my issue. 
Let me very clear. This is definitely the company I need to be addressing my issue with and by this second complaint against CBA Macon to the CFPB, I am building my case to use against them and the hospital that sold this information to them. This is a CLEAR HIPPA violation! I have the full medical records showing EVERY detail of the patient which is a PHI violation as well. Not only did they send me the full detailed medical record, but they sent no explanation as to why they believe they have a right to report this on my credit without having valid evidence. Now they are lying and saying they are not the company to deal with my issue. If CBA Macon does not IMMEDIATELY remove this reporting from my credit until they can PROVE that they 1 ) Have a HIPPA waiver signed by me and 2 ) that they have a right to collect on this debt and 3 ) that I am the person whom they are damaging their credit worthiness without even sending me information that they were going to XXXX up my credit. I will be turning this matter over to my lawyer and handle this matter in court and not only will I bring charges against the original creditor, but CBA Macon as well. This is my final attempt to get a reply that this matter will be handled and they will do the right thing by removing this information from my credit reports, or the next step will be to turn EVERYTHING over to my lawyer, including the medical records they sent me. 
Also, thank you CFPB for turning this matter over to the FTC. I will be pursuing this matter all the way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: OH

Complaint narrative:
I have been disputing a particular account since XXXX. And since that first letter was sent, I have followed up with four more letters regarding the same account. The last letter that I sent, I requested a method of verification as within my rights according to the FCRA. I have yet to receive a response describing the method of verification. Beyond that, I have sent letters that have gone unanswered prior to this last letter as well. I feel like my request to have this account be removed is being ignored. I have stated several times in several letters that the account in question is appearing as an open account, yet it a collection/chargeoff. That is not possible and it is completely inaccurate. I have a right to have a credit report that is accurate and complete. This is a violation of my rights and are completely being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Attention : Consumer Financial Protection Bureau I sent a letter to EXPERIAN disputing an account as erroneous on XXXX and mailed EXPERIAN a certified letter, return receipt requested. I received notice that EXPERIAN has received the dispute letter. It is now XXXX XXXX XXXX 

According to the Fair Credit Reporting Act, EXPERIANs role in the dispute process is to review the accuracy and completeness of any disputed item. EXPERIAN did not contact the furnisher or vendor, or verify that all of the information regarding the item that I disputed within 30 days of XXXX, the date that EXPERIAN received my request ( 21 days for Maine residents ). EXPERIAN therefore did not resolve the dispute, or review any relevant documents submitted with the dispute. 

The disputed information was not verified, EXPERIAN MUST delete or modify that information, as appropriate. EXPERIAN did not receive a response from the furnisher or the vendor within the required period. 

Under legal protections of the Fair Credit Reporting Act, I demand that EXPERIAN update the item as I have requested or delete the information, and send me the results. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), EXPERIAN was required by law to verify the accuracy within ( 30 ) days of my dispute. EXPERIAN has not verified the information within the 30 day time period, EXPERIAN must delete the disputed account from my report. EXPERIAN must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to EXPERIAN and a copy of my original letter showing the account I have disputed.

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 2021-09-07 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: CA

Complaint narrative:
BBVA USA on XX/XX/2021 this company authorizes a one-time charge of {$49000.00} USD from my debit card and they provide an authorization code to charge this {$49000.00} USD from my card. how they can have this authorization code when I don't have sufficient funds my balance was really low and I don't use any service of this type. I call them and tell them I don't have any idea of this charge they open an investigation. wich they finish in right away telling me the I own this money. so I call them to let them know I do not agree with their decision. so they open a second case which they provide me with the information they have. after receiving the documents of this company who charge me for this business service and I tell them I don't have any business with them. they are still telling me the charge was made and is nothing I can do. so my conclusion is this company and an employee from the BBVA USA bank are working together to scam customers. because when I tell them to investigate who authorizes this transaction code they refuse to do it. 

company name they charge me is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX PHONE NUMBER XXXX REPRESENTATIVE XXXX XXXX I HAVE NEVER HEAR OF THIS COMPANY BEFORE IN MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I paid off the remaining balance on my XXXX XXXX. I then received a letter via US postal service dated XX/XX/2021, a scanned copy of which I have uploaded. The letterhead reads Toyota Financial Services. 

Per this letter, I am due a refund in the amount of {$140.00} for gap coverage per the sales contract and that a refund check would be mailed to me. 

Several weeks passed. No check. 

On XX/XX/2021, I called the toll-free number on the letter for Toyota Financial Services XXXX At this time, I was simply trying to get an estimate on when the check would be mailed to me. Because the hold time was excessive ( more than an hour ), I used the automated feature to save my place in line. No one ever called me back. 

I then called a different number for Toyota ( XXXX ). The representative there told me he spoke to Toyota Financial Services who spoke to XXXX XXXX XXXX ( which apparently administers dealerships in the south ) who told him the {$140.00} had been sent to the dealership where I purchased the car : XXXXXXXX XXXX XXXXXXXX. 

According to this representative, XXXX XXXX told him to tell me to call the dealership to have them send me the funds. 

I then called the dealership. The receptionist took my name and phone number and promised that someone would investigate the matter and call me back XX/XX/2021, during the afternoon. 
I never received a phone call. I called the dealership again. The receptionist suggested I call back XX/XX/2021, and talk to someone in accounting. I fail to see the utility in doing this after no one called me back on XX/XX/2021. 

Everyone involved here seems to be passing the buck. Further, I was promised a check would be mailed to me. The letter makes no mention about the funds being sent to the dealership and that I would have to work with XXXXXXXX XXXX XXXXXXXX to get the refund I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XX/XX/2021 to XXXX there was unauthorized charges on my credit card totaling {$7300.00}. I did not authorize those charges and no one else is on the credit card account. Initially Bank of America reversed all the charges, but after there very very short investigation, they decided that the charges were not fraud. In their letter to me they stated, " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' I have sent them numerous letters including a signed IDENTITY THEFT VICTIM 'S REQUEST FOR FRAUDULENT TRANSACTION/ACCOUNT INFORMATION. I have also sent them signed letters that I did not give permission to anyone to use the card. My last valid transaction on the card was XX/XX/2021. 
I have been able to contact one of the Merchants ( XXXX ) to reverse a {$25.00} charge on the account. I contacted XXXX for a {$6.00} charge, which they could not locate the card in their system because they said it was locked out because of fraud. I have reached out to other Merchants whose phone number was valid. I will attach a full copy of the transactions.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
BEEN OVER 30 DAYS NO RESPONSE FOR TRANSUNION, XXXX AND XXXX ABOUT INCORRECT FRAUD 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 2021-09-07 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: OH

Complaint narrative:
BEEN OVER 30 DAYS NO RESPONSE FOR XXXX, XXXX AND EXPERIAN ABOUT INCORRECT FRAUD 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