vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Requested original alleged contract with original alleged signature on the contract for the alleged item. Received a photo copy of a contract with no signature of mine. Please remove the item from my credit report for failure to prove the alleged item. No Debt Verification has been received. No original contract with signature has been produced. According to the FCRA Act incorrect items must be removed. Will report false collection attempts to the CA State Attorney 's Office.

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 2020-09-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2020-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA has not released my security deposit {$1100.00} within the 21 business days as promised. My secured credit card was closed on XX/XX/2020 and 21 business days later is XX/XX/2020. The credit card account has a XXXX balance and all funds have been cleared. They will not provide a date therefore they are in reasonably holding my money past the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I tried to call the Credit Report agencies and it was ignored. 
I called Sychrony Bank/Amazon and they said it was under review. I didn't open the card.

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 2020-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC
State: LA

Complaint narrative:
Flagship Credit Acceptance did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

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 2020-09-19 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:
It started on XX/XX/2020. I put a pair of cowboy boots up on offer up for XXXX dollars. I was contacted by a man or woman. And happy to see that they wanted to buy them. What was kinda weird was that he wanted me to to ship them to an address in Florida. He even said he would give me XXXX dollars Instead of XXXX. So that any expenses would be covered for shipping. I thought it wouldnt be a problem to mail it out. He/she said they would send me the money through PayPal. And I had never had PayPal before so I downloaded it. Then I proceeded to send him/her a link so they would be able to send me funds. He said I dont press on links, for security reasons. So he insisted for me to send him my email linked to my PayPal so that he could send me money. I did and I receive an email from XXXX. This email gave me instructions on where to ship the boots. So I followed them and shipped the boots. So finally the email said in order to receive the XXXX dollars from the buyer I needed to provide the tracking number for the package. So I did, then to my surprise I received an email from PayPal again saying that I couldnt receive my funds from the buyer because my account was not a business user. So to make the story shorter I was asked to send PayPal XXXX out of my own pocket and I believe I was scammed around XXXX dollars. Please contact me for any more information. PayPal wont give me an agent to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I opened a business checking account with PNC Bank in XX/XX/2020. I opened the account using a promotional code that offered {$200.00} if certain requirements were satisfied. 

I satisfied the requirements and the {$200.00} should have been paid out by XX/XX/2020. 

When I did not receive the {$200.00} I called PNC bank. I spoke with a representative, who said that the promo code was not on my account. I told the representative that the XXXX XXXX should be on the account because I used it when I signed up and that I should receive the {$200.00}. She said there was nothing that she could do, but she would have someone call me. 

I have received a call back from PNC, but have been unable to connect with the person calling to resolve the issue. Whenever I call her, she does not answer. When she calls me, she does so during inconvenient times when I am unable to answer my phone. 

I just want this issue to be resolved and for PNC to honor their promotion, which induced me to sign up for the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I am a federally protected consumer and Santander  has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: TX

Complaint narrative:
I contacted TransUnion XXXX XXXX about errors they have on my credit report. They have refused to fix these errors and this is badly affect my ability to obtain credit.

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 2020-09-19 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:
I have disputed these inaccurate reporting with XXXX, XXXX and Equifax several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX XXXX and XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXXXXXX Equifax is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX  account XXXX XXXX  is reporting an open date of XX/XX/XXXX, Equifax is  reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX, XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXXXXXX XXXX XXXX XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX  XXXX XXXX. account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX  account XXXX Equifax is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX Equifax is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are XXXX, XXXX and Equifax considered furnishers? These are not my accounts and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: GA

Complaint narrative:
I have disputed these inaccurate reporting with XXXX Experan and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX XXXX  and Experian is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX account XXXX XXXX is reporting an open date of XX/XX/XXXX, XXXX is reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX, Experian is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX  XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX   XXXX XXXX. account XXXX Experian is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are XXXX, Experian and XXXX  considered furnishers? These are not my accounts and XXXX Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express is REFUSING to activate my card ending in XXXX XXXX XXXX on the front ends with XXXX and code on the back ends with XXXX ) because I forgot what email address I used to ATTEMPT to activate it when I first got it. 

I was able to, and CAN provide them with my DOB, SS #, multiple numbers on the card front and back, mailing and physical addresses, etc. But they are XXXX refusing to activate the card that I have now. 

They are running a SCAM to the extent that they are FORCING me ( and other consumers like I ) to buy another card so that they can generate MORE money from these replacement, substitute cards and start the activation process ALL OVER from scratch!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: VA

Complaint narrative:
On XX/XX/2020 XXXXXXXX XXXX  received a letter from me addressing the fact that they were in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I sent subsequent letters to XXXX XXXX on XX/XX/2020 and XX/XX/2020 both addressing the inaccuracies on my credit report. Although XXXXXXXX XXXX responded to one of my letters, they never advised the Credit Bureaus of my direct dispute to update the comment section on my account. The account has never stated that it was ever disputed as required by FCRA laws. I sent XXXX and Experian documented evidence and a letter dated XX/XX/2020 notifying them of XXXXXXXX XXXX   violation of FCRA Section 623 ( a ) ( 3 ). Both companies did not take action and gave me no response to my dispute.

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 2020-09-19 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: GA

Complaint narrative:
I have disputed these inaccurate reporting with TransUnion, XXXX and XXXX several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX TransUnion and XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX account XXXX TransUnion is reporting an open date of XX/XX/XXXX, XXXX is reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX TransUnion is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX TransUnion is reporting opened on XX/XX/XXXX, XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX XXXX account XXXX TransUnion is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX XXXX XXXX. account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX  account XXXXXXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are TransUnion, XXXX and XXXX considered furnishers? These are not my accounts and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
In XXXX XXXX XXXX and I sold a property in XXXX XXXX Georgia. We owned the property and there was money left in Escrow. Recently when I checked our post office box in XXXX XXXX Georgia the checks were in the box but the envelopes were damaged. The checks had past the 180 day mark and now were to old to cash and they have not been cashed. I have contacted XXXX XXXX XXXX which is now PPH motgage and have not gotten a response for 6 months now. I was told to send copies of the checks to the research department which I did twice and faxed copies numerous times. It is now XXXX and we still have not gotten replacement checks for our money in escrow and every time I call they say it will be looked into.Still nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19 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: TX

Complaint narrative:
I contacted Experian about errors they have on my credit report. They have refused to fix these errors and this is badly affect my ability to obtain credit.

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX is a company who engages in mortgage fraud and deceptive business practices. 

Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance. 

On XX/XX/2020, I received a credit alert from Experian indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the XXXX XXXX relief program. In fact, I specifically sent written correspondence to XXXX that I did not seek any such assistance and that I expected my payments to be reflected as paid on time. 

XXXX is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ). 

This company continues to violate the Fair Debt Collection Practices Act. 

I can produce a cancelled check and/or bank draft for each and every monthly payment

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient, I have multiple loans through them dating back to beginning payments in 2008. In all fairness, I should absolutely receive credit for paid on time balances dating back to the actual loan originiation date. The last four digits of my social security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a high yield savings account with Citibank XXXX and deposited {$200000.00} on XXXX XXXX 2020. Citibank shut down my account shortly on XXXX XXXX without contacting me in any way and did not provide any methods to return my deposit. I contacted their customer services to let them know I need to pay bills using the money stuck in this account. And their customer services agent did not know anything except mentioning I would receive a snail mail letter explaining why my account is shut down. They can not provide any information about how I can get my money back. This is very frustrating and put me in financial jeopardy given the urgent need for paying bills.

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 2020-09-19 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: FL

Complaint narrative:
Ever since the state of Florida went on lockdown from the XXXX Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the XXXX XXXX department is getting overwhelmed with complaints. I have waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.

Company response to consumer: Closed with explanation