vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I first was told my {$750.00} pre-paid debit card from XXXX, through Bank of America was sent to my old address, but never received. Once I complained about that, I did get a new one issued through Bank of America. Card number XXXX with an expiration date of XX/XX/20. 

Once Covid-19 hit I forgot about the card and quite frankly the expiration date. I went to try to use it this week and was told it had expired. I called Bank of America and was told it indeed has expired and that the money was forfeited. I asked where the money was and if it went back to XXXX or to Bank of American and I was again told it was simply forfeited. 

I see my part in this as I did not know it truly expired. However, between not receiving the original card and Covid-19, I believe I should receive the {$750.00} or at least know which company " profits '' my {$750.00} so I know not to do business with them any longer.

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 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 I paid XXXX XXXX XXXX {$260.00} through PayPal to complete a business research analysis for me. XXXX   turned out to be a fraudulent company that advertises themselves as a company that employees XXXX XXXX XXXX to assist in XXXX level writing and XXXX work. Here is their website XXXX XXXX XXXX  I informed PayPal of the fraud within a few hours and PayPal stated they would contact the company. PayPal opened a dispute claim and yesterday denied the claim. PayPal should refund my money as XXXX XXXX XXXX is clearly a fraudulent business yet Paypal continues to allow the company to use their service. I also contacted XXXX XXXX XXXX who told me they would refund my money if I stopped my dispute with PayPal. I forwarded that message to PayPal who confirmed that if I canceled my dispute that a refund would be impossible. Another attempt by XXXX XXXX XXXX to defraud me. I respectfully request that you research this issue and compel PayPal to issue my refund and to also compel them to cease allowing XXXX XXXX XXXX to use the PayPal platform to defraud anyone else. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CA

Complaint narrative:
THIS IS A NON-RESPONSE. THEY HAD 30 DAYS THEY DO NOT HAVE A RIGHT TO CONTINUE ANY KIND OF A REVIEW. 


STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please  contact www.transunion.com ( XXXX ) XXXX XXXX  XXXX XXXX XXXX, PA XXXX

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 2020-08-28 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: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX is reported wrong information on my credit report and refused to do anything with the issue

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 2020-08-28 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: MO

Complaint narrative:
XXXX XXXX is reported wrong information on my credit report and refused to do anything with the issue

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX got laid off due to COVID 19.Reached out Servicing N Servicing Corp which is mortgage company and applied for COVID Hardship for mortgage. I filed for unemployment it took 4 mths before I received my unemployment. A month later did follow up with mortgage con they stated due to so many people being effect it might take up 2 mths before I get an answer. In XXXX that sent me a letter that I approved for 3 months deferment and then when XX/XX/XXXX I would have to pay those 3 months but from my understanding I thought the 3 months were to be added at the back end of my mortgage.Since then XXXX approved to help me they paid 1 month mortgage of {$840.00} which they just received on XXXX XXXX. Since then I contacted them and have made 3 payments and she informed that they went on my Mortgage XX/XX/XXXX and we still in Covid 19. But every statement they sent me says to pay {$840.00} until XX/XX/XXXX the new mortgage payment is {$1300.00}. I do have documentation to back up. I also applied for loan modification which was denied on XX/XX/XXXX. I spoke with XXXX XXXX XXXX which is my mortgage specialist last week even though I have making payments of {$870.00} she still say I owe {$1300.00} While i waiting to hear back from them I made a payment of {$500.00} on XX/XX/XXXX, XX/XX/XXXX $ XXXX {$850.00}, XXXX sent ck XX/XX/XXXX {$840.00}. I'm still unemployed  and I don't understand how they went up on my mortgage $ XXXXI 've attached documents. Please help.Sent Maryland Executive order from XXXX XXXX to them just as well .I have been in my home for 25 years and wish to keep my home for me and my family. THank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My SSN was stolen by a woman with similar name to mine, who worked in a dr 's office where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX  XXXX XXXX  XXXX, XXXX. 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX XXXX police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times Transunion, XXXX  and XXXX. Ultimately, I hired an attorney to assist 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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received a Credit Score report from XXXX  ( Credit Card company ) on XX/XX/20. I noticed in the score that the US Small Business Administration ODA had conducted a credit check that I had not requested or authorized. I immediately called XXXX and spoke with them and filed a claim that someone may be trying to utilize my identity/information to secure a loan from the SBA.

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 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, XXXX sent me a bill for {$880.00} that was not even displayed under my account. I immediately contacted XXXX and let them know of the discrepancy, but they insisted that somehow the {$880.00} was my debt despite the account number not belonging to me. The " debt '' displayed my name and address but the account number was different. I continued to receive statements for this account number and continued to call, trying to get to the bottom of this matter. In XX/XX/XXXX, I received another letter from XXXX stating that whatever balance that was in the mystery account had been transferred to my father from my step mother back into XX/XX/XXXX. As I have the title of XXXX, this was when I realized that the debt was possibly my fathers, as our first and last names are the same, and XXXX somehow missed the small differences in our names ( middle names and title ) thereby mixing up our account billing addresses and assigning the debt to me. In a follow up letter, from XXXX XXXX a XXXX executive member of the Relations team ( contact number XXXX ),  they recognized their error and issued an apology for all inconveniences and provided me with a name and number to contact for a follow up or to address any questions : XXXX XXXX at XXXX x XXXX. When I continued to received calls and bills, for the account number that had just been identified as my fathers, claiming that the debt was mine and continuing to charge me for the same debt - an issue I thought had been resolved - I proceeded to contact XXXX at the number provided. But it was to no avail as I never heard from XXXX or any other XXXX representative despite my many attempts and many voicemails. 
Present day we are in XX/XX/XXXX, and every month I am still receiving calls and statements from collection Agencies regarding this same debt for the account that has already been identified as not mine!!!! I am a very busy person and I have no extra time as it is, especially to be fooling around with these kinds of issues that have taken YEARS so far to resolve. This particular matter is especially disruptive to my personal life because two months ago I needed to acquire a loan for a new vehicle and it was then that I realized that my credit is totally destroyed from what it had been. Thus, this has gone too far and I am now taking the time to write this out because this has to stop. Trying to talk to XXXX clearly did not work, and hasn't for the past six years!!! I am asking you please to intercede in this matter because clearly XXXX has no interest addressing this issue with me alone. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Company is failing to timely process and adhere to its own stated timelines regarding the processing and resolution of a Purchase Protection claim, as submitted to XXXX XXXX XXXX, a coverage offered and marketed to me as a Chase Cardholder. This is despite every attempt on my part to facilitate the process, no reasonable explanation for a delay, and processing mistakes made on their part. Please see attached letter and documentation for complete explanation of issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My SSN was stolen by a woman with similar name to mine, who worked in a XXXX XXXX XXXX where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX XXXX XXXX XXXX XXXX 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX FL police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times XXXX, XXXX and Equifax. Ultimately, I hired an attorney to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
My SSN was stolen by a woman with similar name to mine, who worked in a XXXX XXXX XXXX  where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX FL police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times XXXX, Experian and XXXX. Ultimately, I hired an attorney to assist 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 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
My SSN was stolen by a woman with a similar name to my own. She leased an apartment called XXXX II in XXXX, in XXXX XXXX FL, then left owing rent of approx {$1600.00}. The apartment 's collection agency, Southern Management Systems, then reported this on my credit. 

I learned about this only as I was applying to re-finance a mortgage on my home, that I owned since XXXX. I contacted the collection agency by phone in XXXX of XXXX. 

After getting more information, I filed an FTC report of ID theft, and a report with the XXXX XXXX FL Police Department 's Economic Fraud unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent dispute letters on XX/XX/2020 & XX/XX/2020. I have received any results on my investigation from either dates. I am highly upset because this is affecting my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: NJ

Complaint narrative:
On XX/XX/2020 I wrote a letter certified mail # to XXXX ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.

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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}

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 2020-08-28 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
sent in all paper work and then company is unresponsive months it has gone on the loan officers child is sick and she claims to have sent it to superiors who are either on vaca or just never respond

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 2020-08-28 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: Granite Edvance Corporation
State: MA

Complaint narrative:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2020 for 90 days late. 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 response to consumer: Closed with explanation