vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have submitted multiple requests to remove the incorrect account reporting on my XXXX XXXX XXXX, the last attempt was under claim # XXXX in XXXX, I disputed this information more than 2 times. Bank of America has upheld the decision meaning they are allowing someone else to use my SSN which is clearly a violation of my rights. The person on that account : Bank of America Seems to have a similar name but that is not my name. 

I even tried to reach out to Bank of America and they also failed to do anything. I spoke with a representative from their fraud department named XXXX on XXXX. 

Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This was a card that was not authorized to be opened by me. I saw it on my credit report back in 2019 and called Synchrony bank to report it as fraud. I requested information on the card which they denied giving me the requested information. They updated my mailing address and now is saying they are denying it being fraud because it has been opened for more then 12 months and statements have been mailed to me. Statements were not originally being mailed to me until I called and reported it as Fraud and they updated my mailing address to send me the paperwork to report it back in 2019.

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 2021-10-24 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: GA

Complaint narrative:
To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the you used to allegedly verify this item was invalid. 

Item in question : Chapter XXXX bankruptcy Case XXXX I have previously sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I am filing a formal complaint with CFPB against you and your company since this bankruptcy has not been deleted from my credit report IMMEDIATELY! 

Additionally, XXXX has publish documentation on their website confirming that they indeed provide your company, Equifax, with bankruptcy case information and you use them to verify information regarding bankruptcy cases. XXXX XXXX has not been able to verify the accuracy of the bankruptcy and has removed the item from my file. 

Finally, the U.S. Bankruptcy court does not verify or furnish data to credit bureaus. You have been reporting inaccurate and unverified information within my credit file several years and after multiple disputes allegedly verifying inaccurate information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I begin disputing an erroneous Bankruptcy that is on my Trans Union credit report with CFPB. Compliant # XXXX. After detailing that there should not be a bankruptcy on my report as noted by XXXX XXXX, Trans Union, responded on XX/XX/2021 to CFPB that the information had been verified and mailed me a copy noting that the Bankruptcy had been verified as well. There was no mentioned named of the entity that they used to verify the information. However, attached is a statement detailing that Tans Union does use XXXX XXXX as their verification source. Nonetheless, as you see with the attached XXXX XXXX report, there is no Bankruptcy reported on me. Therefore I ask that Trans Union immediately and permanently delete the Bankruptcy from my credit report as well as all attached accounts that they report to have been included in order to clear my credit as well as my name.

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 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Here are the details of the one or more transactions you didnt recognize or had issues with Below is the info that the scammer is using on PAYPAL email ID Transaction ID : XXXX Transaction date : XX/XX/2021 Transaction amount : {$350.00} USD Recipient email : XXXX PayPal ID : XXXX XXXX XXXX XXXX This transaction was to purchase a XXXX XXXX from XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ). The seller requested I send a {$350.00} deposit via PayPal and stated to me that I specifically put it under " friends and family '' in PayPal, which I have paid. I did what the seller requested and agreed to pay the rest on pickup. The address they gave me XXXX XXXX XXXX XXXX XXXX XXXX, TX was false. The phone number that used to contact me via voice and text is now disconnected but still shows on their website. Their email address is XXXX, breeders ' names are XXXX XXXX and XXXX, and Paypal account holder is under XXXX XXXX. I have documentation on these conversations. They are using XXXX on their website to show they are legitimate. Their website is still up and running. I have no idea how many innocent families they must be scamming. They had a XXXX account that they used to contact me which is also been deactivated called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
This is NOT a duplicate request. I had contacted the CFPB to follow up on my complaint # XXXX in late XX/XX/XXXX due to a letter received on XX/XX/XXXX. I was informed I could not receive any information as there was not enough information to verify my identify. I am now filing online to follow up. 
I reached out to the servicer, PHH Mortgage Services as I received a debt collection letter from a " purported '' foreclosure attorney, XXXX XXXX XXXX in XXXX, MA. I sent a debt validation letter in XX/XX/XXXX as well as a QWR ( Qualified Written Request ) to the servicer. What I sent to PHH in the QWR is not what I received. I received a copy of pages of outrageous purported billing charges/fees which included services that don't even exist, as well as information that directly contradicts information I was just able to locate in a XXXX tax document, that was from XXXX. Meaning, the information I received in XXXX from PHH for XXXX accounting does not agree with the actual XXXX tax document in my possession nor was it sent to the IRS by the servicer as it doesn't appear on my transcripts that I recently reviewed. In addition, one of the single page documents from PHH was illegible, unreadable! Not sure it's even readable with a magnifying glass! PHH directs me to contact their Research Department for additional information which is the exact address where the QWR was sent, letter is signed as the Research Dept. Interesting, PHH states in their QWR reply, no fraud has occurred. That statement would be incorrect, all the fraud was removed. In the reply, based on the information PHH states it has, PHH failed to state there was a foreclosure in XXXX, mortgage was written off, charged off or XXXX, the foreclosure was void/invalid by the court in XXXX ( in a case brought by the Plaintiff ). Another case was brought by the Plaintiff ( purported XXXX XXXX XXXX XXXX for XXXX ) was dismissed in XXXX ( XXXX XXXX due to the XXXX decision ). In another case brought by the Plaintiff regarding a quiet title action, the court ruled against the Plaintiff in XXXX, the ruling denied the Plaintiff the authority to foreclose, quiet title action decision was in favor of the Defendant/Homeowner , along with title to the property and no encumbrance on the property, meaning title free and clear to the Defendant/Homeowner whom has lived in and owned this property since XXXX! The property is not vacate, no maintenance has EVER been done at the property, other than by this homeowner though PHH recently sent a document reflecting charges/fees for such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I purchased an Apple XXXX XXXX and financed through the Apple Goldman Sachs card XX/XX/XXXX. The phone was shipped to a diplomatic pouch but rejected due to the battery. I confirmed with Apple that the phone had been received by them and requested a refund. Everything was sent to Goldman who instead of issuing a refund, put in a dispute credit. I was given a provisional adjustment of {$870.00} in XX/XX/XXXX and because I called Apple again to confirm the phone was received, I thought everything was settled. However, the monthly installment payments for someone reason re-initiated without my knowledge in XX/XX/2021. I paid {$36.00} without knowing it but caught the next installment payment in my XX/XX/2021 bill. An attempt to rectify this situation with Apple resulted in a 20+ min phone call with Apple where the call center person could not even figure out how to connect me with Goldman Sachs . This convenient demarcation between Apple the store and Goldman Sachs as the financier means that I will have to go through who knows what to get this resolved. I have screenshots of my phone waiting time, the dispute resolution credit, and the reinstatement of my installment payments. My latest call with Apple, which did not solve the issue, happened on XX/XX/XXXX, at XXXX XXXX EST. I was told someone would call me directly from Goldman Sachs. I did not receive a call to continue to deal with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm a XXXX for a volunteering nonprofit from XXXX, Florida that supports a lot of other charities with donations. We had about {$6200.00} in our account. 

About two weeks ago I got a call from one of their customer reps saying that I needed to come to verify the proof of the lease on our po box address ( a voicemail I listened to prior to coming in ). This was an issue caused by Chase improperly setting up the business banking account, when it was opened a month ago. I came to fix the issue on XX/XX/2021, and their rep informed me that the account has been closed. Then, she brings over the branch manager who proceeds to lie to me that I was informed that the account would be closed, if I didn't bring the proof of lease in a certain amount of time ( I still have the voicemail on the phone that does not mention that ). She then tells me that the check will be shipped out for the balance of the account, and that there is no possibility of reopening of the original, but that I could open a new one. At this point, hearing enough maltreatment, I just walked out. 

I then spend two hours climbing the tower of phone customer reps to get to the one who deals with extreme cases like mine. She tells me that she understands my justified frustration, and that she will inform her supervisor of this, but that she can do nothing for me ( except for opening a new account, after I get the check ). She also informed me that the bank does not inform accountholders of account closure, which is a terrible practice. I could have been writing worthless checks and not even know it. 

We still haven't received the check ( it's been 9 days ), so I can't even open a new account with another bank. Holding on to our money, after they closed the account is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I have a collection from SUNRISE CREDIT SERVICES, INC. XXXX XXXX XXXX XXXX XXXX NY XXXX : ( XXXX ) XXXX I have a statement from XXXX the company I had cable tv service through stating the account was closed with XXXX balance on XX/XX/XXXX. Sunrise is stating that a balance is still owned from XX/XX/XXXX. Sunrise has a history of collecting accounts under shady circumstances without providing supporting documentation of the debt.

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 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
Reported a weird looking transaction, which I corrected right away. A " One-Time '' sell which stated " per XXXX '', I've never seen such a thing and that type of order isn't listed anywhere in the terms or website. Reported it as strange, and inquired about its origin. Pretty straight forward, supplied the requested information and have since been frozen out of the account ( Frozen since XX/XX/2021 ). Called, no people. Email, little or rare response. The most frustrating experience I've had with any company that handles money. Been with them 4 years will not make it to 5.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is a debt that was notified to me last week thru XXXX XXXX, And it is regarding a medical bill of a lab work I had done last XX/XX/2020. This lab work was part of a FREE XXXX XXXX XXXX I am taking. It is sponsored by XXXX XXXX XXXX anr has always been free. The way it works is every three months I go to the clinic of XXXX XXXX XXXX, they do the lab work and my insurance covers only the treatment because the Doctors visit and the lab work is free, apparently covered by XXXX XXXX XXXX. 
So in this case XXXX XXXX didn't pay for the lab work, processed at XXXX XXXX XXXX and this last company after sending the bill for the past 12 months to the Doctors office sent the bill to collection. 
Because the were sending the bill to the Doctors office I never knew about all this till XXXX XXXX notified me. 
The debt is {$460.00} dollars. I contacted all this people and they said its not my responsibility but the negative report is still there and i am being hired by a major bank at the moment, which wont hire me if I have any credit issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: MS

Complaint narrative:
On XX/XX/2021, I begin disputing an erroneous Bankruptcy that is on my Experian credit report with CFPB. Compliant # XXXX. After detailing that there should not be a bankruptcy on my report as noted by XXXX XXXX, Experian, responded on XX/XX/2021 to CFPB that the information had been verified and mailed me a copy noting that the Bankruptcy had been verified as well. There was no mentioned named of the entity that they used to verify the information. However, attached is a statement detailing that Experian does use XXXX XXXX as their verification source. Nonetheless, as you see with the attached XXXX XXXX report, there is no Bankruptcy reported on me. Therefore I ask that Experian immediately and permanently delete the Bankruptcy from my credit report as well as all attached accounts that they report to have been included in order to clear my credit as well as my name.

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 2021-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has repeatedly reported incorrect balance on XXXX XXXX credit despite filed dispute of inaccuracy of account balance. As of XX/XX/XXXX XXXX and XXXX report the correct balance, but Transunion has continued to report correct balance reflected on XX/XX/XXXX statement. This has been the basis of its credit scoring.

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 2021-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I opened a FREE savings account with Bank of America in XXXX. I just noticed on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I was charged an XXXX XXXX monthly service fee. I have had this savings account for 17 years and have NEVER been charged a monthly service fee before. I called Bank of America and spoke to a customer service rep, I asked why they started charging me this fee all of a sudden. I had NOT authorized any type of account change and I had not been notified of any changes. She told me the savings account required that I keep a {$500.00} balance. This had NEVER been a requirement before and I have never been notified I would have to meet this requirement to avoid an XXXX XXXX monthly service fee. The customer service rep researched my account and after 45 minutes could not tell me why I was never charged a monthly service fee prior to XX/XX/XXXX. She also refused to refund the two service charges. I asked to speak with her supervisor. When he got on the phone he told me the same thing as the customer service rep, there is a {$500.00} balance limit and he also could not tell me why I was all of a sudden being charged a fee that I hadnt been charged for the previous 17 years. He also refused to refund the two XXXX XXXX monthly service fees. I find it absolutely appalling that after 17 years of owning a FREE savings account, Bank of America can all of a sudden start charging me a monthly fee. I never authorized changing to a different type of savings account that WOULD charge a monthly fee. And Bank of America can not even tell me WHY or WHEN this change took place.

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 2021-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
Hello. I have served as a public servant in higher education for the past 13 years. I recently submitted my application for Public Service Loan Forgiveness after successfully making 120 on time payments over 10 years. I work for an XXXX XXXX XXXX- The XXXX XXXX XXXX. My application was submitted on XX/XX/XXXXXXXX  to my servicer ( FedLoan Servicing ). I received a response on XX/XX/XXXXXXXX  indicating the Department of Education needed additional time to verify my employer. I found this to be a bit perplexing since the XXXX XXXX XXXX ( my employer ) is responsible for reporting all student loan federal compliance reporting data to the department as well as fed loan. If they should know who anybody is, it's my employer. I have checked in every month since then, most recently on XX/XX/XXXX. There is still no update on the status of my request and now I am receiving emails from the department requesting that I prepare myself to reengage in payment cycles after XX/XX/XXXX. Please help me in resolving this so that I can receive my PSLF. I have diligently complied with the requirements over the last 10 years and feel this wait time is absolutely not right. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
customer service at TransUnion would not help and take care of the negative inquiries reporting to my credit report. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not approved i already had a letter from XXXX  XXXX with a pre approved loan for my car. 
Total of 11 inquiries 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 explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I bought an automotive part online. Paid with Paypal. Two weeks later I received nothing. 

I called paypal. They refused their last name. They claimed her first name XXXX employee # XXXX and XXXX employee # XXXX. They did nothing to help me. The refused to look at the tracking. Package was shipped to a different address than my order. No refund. No help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I reached out to the company on XX/XX/

Company response to consumer: Closed with non-monetary relief