vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I entered into a contract to settle a private student loan debt with XXXX XXXX XXXX doing business in California as " XXXX XXXX XXXX '' ) brokered through XXXX XXXX XXXX 's loan servicer and debt collector law firm, XXXX XXXX. The terms of the settlement are well documented, specifying the monthly payment, down payment, as well as confirmation that there will be no other interest added. I paid the debt in full and have confirmation from XXXX XXXX about my payment. I contacted XXXX XXXX many times to provide an updated paid off account summary and received no response. Despite making full payment, XXXX XXXX reported my debt as delinquent to credit bureaus, falsely alleged I owed over {$7000.00}, and sold my debt to collections ( Synergetic Communication , Inc. ), who now falsely allege the debt is verified and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-06 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TX

Complaint narrative:
Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-06 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: NY

Complaint narrative:
All 6 accounts for my federal student loans with DEPT OF ED/XXXX are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.

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 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted XXXX, Transunion, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
All 6 accounts for my federal student loans with DEPT OF ED/XXXX are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.

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 2020-07-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
All 6 accounts for my federal student loans with DEPT OF ED/XXXX  are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used Paypal to pay for a reservation with XXXX on XX/XX/2020. Reservation was cancelled by host on XX/XX/XXXX. XXXX offered full-refund as service was not received, but they say I was never charged. I was. Opened a claim with Paypal. Paypal closed claim because they say I received service. So XXXX agrees I never received service but says I wasn't charged. Paypal agrees I was charged but says I received service. Documentation provided to all. XXXX has sent a refund of $ XXXX stating that's what I paid. I paid {$360.00}. I am still owed {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Sir/Madam : My name is ( Name intentionally omitted as instructed ), I am an account holder of Wells Fargo Bank and I am having great difficulty with locating my receipt to show that I purchased a XXXX XXXX dollar cashiers check or money order from Wells Fargo Bank located at XXXX XXXX XXXX XXXX, New Jersey XXXX. I do not remember the exact date of purchase, however I do know that the cashiers check or money order is made payable to XXXX & XXXX XXXX. 

In addition, I remember where I was standing inside of the Wells Fargo Bank when I purchased the cashiers check or money order, it was to the far left, and the teller was a female. The cash was brought to the bank and it was not taken directly from any of my accounts. I also remember vividly hand delivering the cashiers check or money order to XXXX XXXX, unfortunately, he is unable to search his bank history to try and locate the deposit. At the time I purchased the cashiers check or money order, I was driving a XXXX XXXX that I purchased on or about XX/XX/XXXX. Thereafter, I traded my vehicle in on or about XX/XX/XXXX for a XXXX XXXX. Therefore, the cashiers check or money order was purchased from Wells Fargo Bank during that period. 

In conclusion, I have spoken to representatives of Wells Fargo Bank in regards to this matter and I advised them, not many people come inside this particular bank and purchase XXXX XXXX dollar cashiers checks or money orders. In addition, I have absolutely no idea why this transaction is not showing up on my account. I advised them that Wells Fargo Bank has cameras and I am almost certain there were many cameras present the day I purchased the cashiers check or money order. Therefore, I should be on video camera buying the cashiers check or money order and counting my money prior to giving it to the teller. 

In addition, I have purchased dozens of cashiers checks or money orders made payable to XXXX & XXXX XXXX. Therefore, Wells Fargo Bank or the investigating authority can look, see where the cashier s checks and money orders are being deposited or cashed, and have that institution provide a copy of the cashier s check or money order and a receipt showing that the cashier s check or money order was either cashed or deposited into an account. 


Sincerely,

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
FRAUD EQUIFAX CREDIT BUREAU LOCKED MY CREDIT REPORT WITHOUT MY PERMISSION AND SENT NOTICE TO OTHER 2 BUREAUS XXXX OR XXXX  TO BLOCKED MY CREDIT REPORT. AFTER SENDING NOTICE TO UNLOCKED MY CREDIT REPORT FRAUD EQUIFAX CREDIT BUREAU DIDN'T UNLOCKED MY CREDIT REPORT BECAUSE THEY ARE FULLY FRAUD CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On the XXXX XXXX  XXXX Holiday, I made a purchase online. Purchased was accepted ( debited pending ) and immediately cancelled by the vendor with an ( immediate credit pending ). The transaction was cancelled stating unable to verify identity. On XX/XX/XXXX, I repurchased the same exact item for the same exact dollar amount and received a confirmation and my Wells Fargo checking account reflected ( debit pending ). Immediately after the 2nd purchase my order was cancelled, for the same exact reason as the first time yet this time I do not have a credit pending. I chatted with the merchant and they provided me with a transaction code and authorization code for the pending credit. I have the transcripts of the chat. I called Wells Fargo giving them these numbers and they can not authorize a pending credit. Now XXXX auto system should have credited me as quickly as they cancelled just as they did on a Holiday day. I duplicated the 2 transaction with the same credit card, same CVV code, Same product, same amount and same device. The fact there is no auto credit this time my money is being held hostage while the product is available for others to purchase. I have school in less than 24 hours and I have no money, no laptop, and Wells said they can not call or even review the evidence or my claim to offer a provisional credit. I explained to wells escalation and claims department, I am requesting for them to protect my Visa Purchase or if they could contact the XXXX fraud dept and either 1.  Confirm my identity. 2. Secure the product, or offer me a provisional credit based on written documentation I received. Now XXXX is responsible for not insuring the auto credit each and every time their system auto cancels an order. I now have to wait 1-10 business days and I have no product or no money and each of these institutions state I have to wait for the other to provide the credit. This is the exact reason why I am taking the paralegal class! 
Although I had a transaction ID and Authorization code neither party would issue me or credit nor hold the product. Wells Fargo would not allow me to email the evidence of the transaction being cancelled or the transcripts from XXXX so my money is not available and nor is the laptop.

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX i contacted capital one 360bank about the funds not received from the bank which are {$1900.00} on XX/XX/XXXX I received a letter which is attached that states in 7-10 days they would mail out a check. They have not mailed out any check as of today XX/XX/XXXX. I have contacted XXXX that employee who has issued the letter and left a message. no return call and also the bank which direct me to her again and again not response from this employee. the bank has not illegally been holding my finds for over 18 Months now. I want my check mailed to me within the next week or I want this bank to be help accountable for the actions taken. I have been more than patient on this matter and I have a letter directly from a previous complaint stating they would mail a check and they still have not. Please step in and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I was offered a trial plan for the months of XXXX XXXX and XXXX of 2020 and i called in XX/XX/XXXX to schedule my final gruel payment. I originally asked for an extra day to make the payment since my income reduced due to Covid 19 and the rep assured be that i could make my payment on XXXX she explained that technically i had 31 days to make the payment so i believed her and list dated the payment for XXXX and we ended the call. However once the call ended i wasnt too sure i believed her so i borrowed money from a relative and i called back the same fate and moved the payment to XXXX. I called a few times after to confirm my payment was set up and make sure my trial plan Doesnt break and was reassured by multiple reps that my payment processed and my plan was good. Now on today XXXX i see the funds still have not come out of my account so i call AmeriHome and a rep tells me that my payment was never changed from XX/XX/2020 after i called multiple times to confirm it was changed to XXXX and my plan is broken. I asked to speak to a manager multiple times and was told that 1 isnt available and Im trying to not lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: MA

Complaint narrative:
TRANSUNION AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND TRANSUNION IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND TRANSUNION IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/XXXX, XX/XX/XXXX for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: AE

Complaint narrative:
PNC will charge overdraft fees on transactions that are pending, even though sufficient funds were available at the time of a cash transaction is made later, saying the cash transaction is instant causing all pending items to be consider overdrafts, causing them to all have {$36.00} fees. 

For example, I had 4 pending transactions, I then made a cash overdraft transaction. 

Balance {$100.00} : Transaction 1 : {$20.00} 2 : {$15.00} 3 : {$10.00} 4 : {$10.00} The available balance is now {$45.00}. But the transactions are still pending. 

I then, overdraft as a cash-ATM for transaction for {$120.00}. 

PNC will then immediately charge an overdraft for all 4 pending transactions and consider the {$120.00} transaction as the first/immediate transactions. 

This is wrong, and consumers should not have to constantly check which items are posted and if pending. Transactions should be debited/credit in the exact order they are made, especially in cases of overdraft fees to protect consumers. 

What should happen is that I should have been charged an overdraft fee ONE TIME for the overdraft of {$120.00}. Not 5 overdraft fees because items were pending. This is also contradictory because if items are pending then my available balance should be higher and should not reflect the pending items since they are pending.

PNC is abusing their power for overdraft fees and if the CPFB continues to allow this, you they will continue to let banks profit on low income consumers and those who may be going through difficult times. This type of charging is predatory. Yes, I agreed to overdraft protection but I agree to transactions I actually overdraft. No transactions I made when I have an adequate balance. 

Please help and fix this greedy practice in banking and general and within the regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Radius Global Solutions LLC
State: VT

Complaint narrative:
I shopped with XXXX one day and the salesperson asked me to apply for a credit card with them but I have never received a credit card from the company. I can't remember the date I shopped with XXXXXXXX XXXX and the stuff I shopped with is about {$20.00} the most. I did not receive any credit card billing statements and so I do not know how I suppose to pay the {$20.00} credit. 
I attached a copy of the letter that I received from Radius Global Solutions. The letter says the XXXX XXXX XXXX XXXX authorized Radius Global Solutions to collet this debt on their behalf.

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