vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I currently have an active account with Santander Consumer USA. They have reported on my credit report that it is charged off/closed. That is not true because I have an open car loan with them and I pay the car loan monthly. I have contacted Santander Consumer USA and they have not corrected this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Back in XX/XX/2019 I sent all requested documentation along with income documentation for the opportunity in obtain a loan modification. The documents were sent by certified mail to both the servicer PHH mortgage and XXXX XXXX XXXX, who forward the same information to PHH mortgage corporation as the servicer. The same information sent via email and fax. I then received a letter from PHH acknowledging the documents were in their possession. On XX/XX/2019 I received a letter from PHH indicating to send one most recent pay stub, On that day it was emailed and mailed again Certified mail to all parties. On XX/XX/2019 I called to Follow up and was informed that the request was denied, due to PHH indicated the images of the income were not clear. They denied and set a foreclosure date. I explained to them all the ways that the income was sent and that there must be a communication issue between their departments that needs to obtain these documents for review. Based on all the ways and from different places including their law firm there is no other way the documents can be sent. I ask to have the file escalated to a supervisor for review. Once speaking with the supervisor who after several request to pull up the previous emails that were sent with the same documents. The file was then sent to the underwriter for review. I requested them to postpone the sale date to allow the time for review and appeal if not agreed. Plus not to be charged for the cost of the scheduling of the sale date due to the communication breakdown in terminally at PHH. As the homeowner I have provided in a timely matter all requested documentation and followed up daily with no updates and it seems as if the representative are not informational as to the progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: MS

Complaint narrative:
I received a letter from the XXXX XXXX XXXX XXXX XXXX, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.

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 2019-11-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
currently XXXX is reporting a fraudulent account on my report. I'm beyond frustrated. I've had to file a complaint and hopefully they'll catch the theif. I understand the credit reporting agency are simply doing their jobs but by them not responding and deleting the fraudulent information it's unfair to me. I am asking them to block the unauthorized inquiries from my report as well as block the XXXX account from my file. I found out that my information was exposed in several data breaches around 2015 and ive not known until 3 months ago that I could correct this according to the Federal Trade Commission and CFPB XXXX XXXX XXXX XX/XX/2015 XXXX BANK-NEVER LATE INNACURATE LATE PAYMENT REPORTING/ I WAS TOLD MY ACCOUNT WAS CONFUSED WITH SOMEONE WITH A SIMIALAR NAME BEING MY NAME IS VERY POPULAR PLEASE SEE ATTACHMENT FOR THE 40 UNATHORIZED INQUIRIES THAT NEED TO BE BLOCKED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
THIS NUMBER IS HARRSING ME AT WORK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
XXXX and XXXX Ten fraudulent charges made on my card. Five charges were for XXXX and five charges were XXXX ( foreign transaction fees ). I called the Go Program Card customer service twice to alert them that these are fraudulent charges that I did not make. Both times I was told there is nothing they can do about it until the charges post. This means I have to wait until my money is stolen. They will not stop my money from being stolen. They will not stop the payments from posting even though I have informed them they are fraudulent. This pre-paid card we are forced to use for unemployment is supposedly backed by Master Card ... what good is that is they do not employ the same security and fraud assistance as Master Card? I didnt ask to be laid off and I certainly did not ask for a prepaid card for my unemployment but we arent given a choice. It makes no sense why they would wait for my money to be stolen before taking any action. Any other legitimate card prefers to stop the fraud before damage is done. They never should have authorized the charges in the first place. All financial institutions would flag it after the second identical charge and not allow 10 of them. This Go Gard company is assisting in the theft of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I was charged additional charges to my XXXX XXXX account.In XXXX XXXX I have opted out of a {$79.00} monthly payment to a XXXX payment. Well on my money lion app online it changed but they continued to charge me {$79.00}. Which came back returned check fee for XXXX each for five straight months into I stopped payment attempted on XXXX XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
So I bought an item and paid through paypal family & friends. The seller is from XXXX so the money currency had to change so it was around XXXX euros. The seller said to have shipped it the same day I paid for it which was XX/XX/2019, but it has been a month since and I still have not received the package. I tried getting in contact with the seller through email provided on paypal, but it was invalid. I tried contacting them through the social media i found them on which was on twitter which it got suspended. Now i have no way in contacting them and cant get a refund. This seems to me as a scam, but before i paid the seller they provided me screenshots as proofs of other buyers who have bought to them, but when i looked back on our messages because their account was suspended the pictures have disappeared. I even tried contacting them about the iteme i bought before their account was suspended yet no messages. Their account seem to have been suspended recently..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Hello! 
We opened a new checking, savings and money market account last week. We deposited a large sum of money. We have since been told we have no access to our funds and our accounts have been frozen. The banker XXXX said he made some sort of error and thus the result is we don't have access to our money. We are livid. We have bills coming due and our mortgage and we need our funds immediately. Please advise.

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 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: GA

Complaint narrative:
On XX/XX/19 I received a letter identified as from XXXX XXXX  c/o XXXX, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a XXXX account, so this seemed odd. I have since contacted XXXX XXXX  and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for XXXX in my name at my address or any application associated with my social security number and no XXXX account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from MRS BPO , LLC dated XX/XX/19 stating the current creditor was XXXX, XXXX with a MRS BPO , LLC account number, last four digets of a XXXX account number, that I have now confirmed with XXXX is invalid, and MRS BPO LLC claims I owe a balance of {$800.00} for XXXX chargebacks. 
I sent MRS BPO , LLC collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX  and the fraud department at this bank, as well, and there are no XXXX accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet MRS BPO , LLC somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX  XXXX or that I have any kind of existing XXXX XXXX account. I have explained to MRS BPO , LLC in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and MRS BBO, LLC is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for MRS BPO , LLC, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from MRS BPO , LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have {$900.00} odd dollars in my PayPal account one day I randomly receive an email that my account is limited and I need to confirm my identity. I send in all required documents. a week later I contact them and confirm my identity and I am advised they are holding my money for $ 180 days with no explanation other than " refer to our user agreement '' I have spent countless hours emailing and calling PayPal with no success and access to my money. I as a single mother need access to these funds to pay bills!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello, I have an account that was opened in 2010 and, I have paid the account off with the creditors. That XXXX sold my account to and EQUIFAX will not remove the item off of my credit report with that being said its been 9 years truth to be told its suppose to be removed after 7 years I paid the account out. So I need EQUIFAX to treat me with accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
ENHANCED RECOVERY CO : XXXX XXXX XXXX {$530.00} XXXX tO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX XXXX XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I having a problem which Experian removing XXXX XXXX XXXX off of my credit report which is labeled as a closed account and it is a fraudulent account.I have sent a police report to all 3 credit agents and which I was told it will stay on my 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 2019-11-13 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: CA

Complaint narrative:
In mid-XXXX  2019  I called Barclaycard to request a replacement card because the chip was malfunctioning. On XX/XX/ 2019, I still had not received my new card, I received two e-mails from Barclaycard. The first stated that my new card had been activated and the second stated that my PIN number had been changed. As soon as I read these e-mails I logged onto my account and I saw a charge for {$900.00} that I did not make listed under temporary authorizations. I immediately contacted Barclaycard and informed them that I never received the credit card and therefore did not activate it or change the PIN number. They verified the last known purchase I had made, which was for XXXX XXXX the day before. They asked me if I made a purchase at a XXXX gas station and I replied no. They stated that they would remove the charges, open a fraud investigation on the charges, and issue a new card. This time the card would be mailed via XXXX  with tracking. On XX/XX/ 2019 I received a voice message from the fraud department at Barclaycard stating they had some additional questions regarding my claim. I called back and received a message stating the department was closed on Sundays. I left a message and asked for a call back. On XX/XX/ 2019 I called Barclaycard again because they had not returned my phone call. I was told by the agent that I will be receiving a letter dated XX/XX//2019 indicating my claim was denied. I was told that my claim was denied because their system showed that the credit card was activated from my phone number on file and that the charges would be placed back on my account. I informed the agent that this was impossible because the phone number associated with my account is my cell phone and I had my phone in my possession the entire day, spending my afternoon/evening at my daughters dance recital. The agent informed me that the charge for {$900.00} was a cash withdrawal from a XXXX  XXXX XXXX that was located 7 miles from my home. She suggested that I file a police report to see if surveillance footage could be optioned to aid me in my investigation. I asked her how could I appeal their decision and if I was able to obtain such footage, how could I send that to them so they would take the charges off of my account. The agent informed me that I would have to find resolution for these charges outside of the credit card company and no appeals could be made. I asked her how I was supposed to find resolution and get my money back and she suggested maybe I would recognize the person who used the card and then I could file a civil law suit but that there was nothing else the credit card company would do for 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 monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On Saturday XX/XX/2019 I made an online payment to Synchrony Bank on their website. The minimum payment due was {$190.00}. On Monday XX/XX/2019 I discovered that Syncrony Bank charged my debit card {$2300.00}. I immediately called them to find out about the charge. They informed me that I would receive a refund minus the minimum payment in the mail in 3-4 weeks. On Tuesday XX/XX/2019 I called to follow up ensure the process was initiated. I was again told yes and in 3-4 weeks. I called Syncrony on  XX/XX/2019 to find out what date the check was mailed. After waiting for sometime on hold I was then told oh it was approved right now and will be mailed on XX/XX/2019. It should arrive in 7 days. On Monday possibly but for sure by the XXXX. This is unacceptable amount of time. I have other bills due, other banking issues due to overdrawn account. My credit union told me they will close my account if I do not return the amount of money Sychrony overdrew from my account by XX/XX/2019. 
Syncrony Bank XXXX XXXX XXXX. XXXX mysynchrony.com

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 2019-11-13 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: FL

Complaint narrative:
XXXX, XXXX  AND EXPERIAN HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 

NAMES : XXXX XXXX XXXX PLEASE DELETE. 
XXXX XXXX XXXX PLEASE DELETE.

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 2019-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-13 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: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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