vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: TN

Complaint narrative:
SOMEONE USED MY INFORMATION THESE ACCOUNTS ARE NOT MY ACCOUNTS THEY NEED TO BE REMOVE

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 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
I have suddenly had a collection item from Paramount Recovery Systems appear on my credit report stating I owe a balance from an emergency room visit over 5 years ago. I have never received anything from this collection agency and this charge was disputed directly with the original company 5 years ago because it was not billed correctly through my insurance. The date of the visit was XX/XX/15, and I went to the ER after slipping on ice after winter weather because of concerns I may have XXXX XXXX XXXX. My insurance, the same policy I have had for 10 years, covers all emergency room visits resulting from an accident at 100 % with no copay or deductible. Since my visit was due to an accident, had it been billed correctly to my insurance, I should have owed not even a single XXXX. I received a bill from XXXX XXXX XXXX XXXX for {$350.00} resulting from the visit. I disputed this directly upon receiving the bill and never received ANY response and never heard anything or had this show up on my credit until suddenly receiving notification of this erroneous balance with a collection agency on my credit report more than 5 years after that ER visit. I have disputed this with the collections agency, Paramount Recovery Systems, and the only response is that this is a valid debt. However, it is invalid because the original billing done by XXXX   XXXX XXXX XXXX was not sent to my insurance company with correct information. After looking into XXXX   XXXX XXXX, it became clear that they have an obvious pattern of fraudulent billing practices due to dozens of complaints over the exact same scenario of insurance companies not being sent accurate billing information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Sunday XXXX XXXX I was doing a business transaction with a young lady whom I just found out is a fraud and scammed me out of {$95.00} through cash app. Ive tried everything I can with cash app to assist me and help me with getting a refund and also them looking into the account that scammed me but no action has been taken on their end. Cash app told me to request a refund from the person that scammed me and I did but they blocked me from requesting my payment back, cash app is saying they can not give me my money back or issue me a refund and I feel like that is horrible customer service and they need to be shut down, the girl needs to be put into jail, and if they cant get a direct customer service number then they no longer need to be available for use. I am very hurt by this situation of not being able to receive my money and cash app not helping me get my money back. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
Whether my employer qualifies for PSLF. The attached document refers to the prior SEVEN " 7 '' complaints that have not been resolved. This is not a duplicate and should not be dismissed. The last complaint was dismissed as a duplicate. PLEASE ADDRESS my detailed complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
I was contacted by Law Offices of Emmett L. Goodman , Jr. , LLC in reference to a debt that I do not owe. I have never entered into any financial or contractual agreement with the aforementioned firm to secure credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I bought a XXXX ticket on XX/XX/2020 for {$110.00} reference : XXXX On XX/XX/XXXX, the ticket XXXX was canceled due to COVID-19 and XXXX XXXX was provided. 

I used the XXXX XXXX  to buy a second ticket XXXX which was also canceled on XXXX DUE to XXXX as well. 

Few points : 1. Since XXXX Canceled the tickets, why can't I get my money back?? 
2. Between XXXX and XXXX, XXXX had NO FLIGHTS for me to use the credit which expired on XXXX. 
3. Amex always support big corporations in disputes.. very sad!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of  the emails stated there was a bonus of {$470.00} for their XXXX XXXX checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ XXXX per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. I actually had to file a complaint againt XXXX and in their written answer, which you have access to ( case number XXXX ), they state the bonus will be automatically deposited in my account by XX/XX/2020. This has not happened. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned. My next action is filing a suit in small claims court in my local courthouse, and I would like to use this complaint as evidence of everything I've been through with this bank, and their refusal to honor their promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I reported a fraud on my account twice to suntrust and they ignore it. I was a victim of wire fraud for XXXX. This happened in XX/XX/2019 and they deny my claim. They send paper from the bank and none the sheets had my signature on it but the still took two of my check to make me pay for it and charges fees.i send a disatfied letter about the case and now they claiming they havnt got the letter that I send at the address they gave me .. I also had police report send to the company.

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 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I wanted to purchase an item online, the seller requested funds from XXXX to be transferred using his phone number instead of XXXX to avoid fees. I figured my bank should have fraud protection in case anything went wrong with XXXX and cover my money. I filed a claim with wells fargo and got absolutely no help and they said I cant get my {$500.00} back. I contacted the seller several times to get my money back and requested through XXXX and he declined. I called wells fargo before doing the transaction to ask if I was protected before doing so and the phone banker stated yes and I did he transfer.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!

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 2020-07-29 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:
I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!

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 2020-07-29 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:
I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
BMO Harris began charging a monthly {$12.00} fee to my checking account for having too low of a balance, after years of the account having no fees, and without any notice, as required. Eventually these fees totaled {$210.00}, or 44 % of the balance of my account. 

Because this was an account I no longer use regularly, I only discovered these fees a few days ago. The fees began in XX/XX/2019, and continued monthly until now. I was shocked to see my account balance drop from {$480.00} to {$270.00}, when I wasn't even overdrafting. The bank was simply holding onto my money.

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 2020-07-29 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: TX

Complaint narrative:
Names are incorrect : XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX, TX XXXX FTC Violations : XXXX XXXX   XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Monthly Payment {$0.00} XXXX XXXX XXXX Account # XXXX Original Creditor XXXX Company Sold - Account Type COLLECTION Date Opened XXXX XXXX, XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit XXXXXXXX XXXX  XXXX ; XXXX internal collection department Status Updated XXXX XXXX Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Have not received any calls about my debt or about it being sent to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, a credit intervention letter was sent to XXXX  in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.

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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I had someone get into my account and my bank is issuing me a new card just waiting for the new card to come in

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, a credit intervention letter was sent to Equifax in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: VA

Complaint narrative:
The lender worked for Cross Country Mortgage and was late getting the documents needed for the condo, he would not reply to the Title agent, the insurance agent, and I had to ask for an appraisal for 2 weeks or more.

After securing 3 extensions per the lenders request, he still missed the deadline. All without providing specifics for reasons why. The inspection was provided on the XX/XX/XXXX, yes XXXX, this is not a type, and I called him that day to let him know the outcome of the inspection which went well. Monday when he came back from vacation he asked if things went well. On XXXX he informed me that the condo did not receive approval and wanted to speak to which I stated that the seller is no longer providing extensions and did not want to work with such an unresponsive company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I received a Affidavit of Default and Notice of Termination of Automatic stay from The Law Offices of XXXX XXXX, which is my mortgage company 's ( Caliber Home Loans , Inc. ) attorney. The Affidavit states that Caliber Home Loans , Inc. has not received my monthly  mortgage payments for the months of XXXX, XXXX and XXXX of XXXX for a total amount of {$4500.00}. The Affidavit that was filed is not only false and incorrect, but also shows how poorly ran and inconsistent this company is. For the months stated in the Affidavit, I  made payments with a cashier 's check from my bank ; which I went to and obtained statements for proof. Not only did Caliber Home Loans, Inc receive my monthly mortgage payments, my statements showed that all checks were cleared. I gave my attorney proof of all documents and she then sent them over to Caliber Home Loans attorney, XXXX XXXX, and contacted him to explain the situation. He explained he will contact Caliber Home Loans and be in contact with her soon. My attorney contacted me a couple days later and explained that Caliber checked their records and instead of owing {$4500.00} I now owe {$1100.00} instead. And this {$1100.00} isn't for the three months stated in the affidavit, its actually from last year XXXX of XXXX. This is absurd! How do you go from filing a judgement for missing payments for the last 3 months for a total of {$4500.00} to now disregarding that amount and saying, I now owe {$1100.00} for last year XXXX of XXXX. This company is dishonest, unorganized and untrustworthy and that's very disturbing because these are the people that I have to pay every month. My monthly statements that I receive from Caliber Home Loans, Inc. also does not reflect the payments that I have made. Due to the current pandemic and with all that's going on, there is a high percentage of credit fraud and identity theft. This is very unacceptable and to say the least frightening. Attached is proof of documents in regards to this entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to connect account with investment app. Should be allowed to invest my money directly not have to jump thru hoops to get money invested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XX/XX/XXXX I call Trans Union to unfreeze my credit and talk to representative XXXX XXXX. XXXX told me she unfreeze my credit. After the phone call I'm notified by Visa credit card company that Trans Union billed me {$27.00}. XXXX never told me that there was a fee and I never gave XXXX more my new credit card number. Somehow the XXXX and got my credit card number from my credit report with Trans Union and made an authorized charge to it. I called Trans Union today and was transferred around between robot to robot and after an hour I never get a representative on the phone to refund the unauthorized Trans Union {$27.00} charge. 
Please make Trans Union refund the unauthorized {$27.00} charge. 
Please tell me how I can exclude all of my credit information from Trans Union so I never have to deal with them ever again for eternity. Thank you for your 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 monetary relief
Consumer complaint received 2020-07-29 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: Paypal Holdings, Inc
State: IA

Complaint narrative:
XX/XX/2020 my PayPal Account, which is supported by my XXXX XXXX Credit Card was charged {$4500.00}. 
Payment was to XXXX XXXX. The transaction ID is : XXXX. I do not know XXXX XXXX. 
The dispute case ID is : XXXX. 

XX/XX/2020 I called PayPal to inquire about the charge on my PayPal Account to XXXX XXXX. 

XX/XX/2020, I received an automatic reply from PayPal which thanked me for contacting the company. 

XX/XX/2020, I received correspondence from PayPal which stated that my account was limited. 

XX/XX/2020 at XXXXXXXX XXXX, PayPal sent me correspondence denying my dispute because my billing dispute does not match my qualification for a billing dispute. 

XX/XX/2020 at XXXX XXXX, PayPal sent me correspondence stating that because I filed this dispute with [ your ] financial institution or credit card company, and not with PayPal. We cant provide additional details or updates on this claim because we dont have access to your financial institutions investigation details. 

PayPal has refused to investigate and thereby, refund my {$4500.00}. 

I request that PayPal refund my {$4500.00} because I did not authorize payment to XXXX XXXX.

Company response to consumer: Closed with explanation