vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I've sent 3 letters to transunion in the passed 2 months in regard to fraudulent inquiries that are on my transunion credit report. My most recent letter was sent via certified mail to them stating that my credit report continues to show fraudulent inquiries from XXXX XXXX and XXXX XXXX and have requested that they are removed. However, they have not been removed ; The representatives continue to state that they have not received my letter, affavadavit and proof of identity despite sending it certified mail with tracking. I want these inquiries removed from my XXXX credit report immediately! This agency is in violation! 

I have attached my letter along with the tracking number! 
Tracking number : shows received XX/XX/2021 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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I had spoken to SPS mortgage and filed information online to get refinanced and stop foreclosure, and was turned down, started receiving pandemic unemployment in XX/XX/XXXX and company still stating that foreclosure will be proceeding. XXXX XXXX XXXX, my mother past away XX/XX/XXXX .Leaving property to me XXXX XXXX XXXX XXXX currently in probate because after sending death certificate and all information SPS asked for when she past, the would not respond to me when My dinning room ceiling collapsed, I inquired attorney XXXX XXXX for probate, since my ceiling is not fixed,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Paypal Credit is the credit card/creditor I am having problems with. Started with summer of XXXX I noticed there were several purchases from XXXX made using my Paypal account. I had been paying through my direct deposit never looking at credit card statements because they make finding these statements so hard electeonically so I was always too busy to look. One day in XXXX & XXXX I called Paypal stating someone in XXXX charging items to my account and it wasnt me and I was a victim of fraud. Paypal investigaged and on XX/XX/XXXX I was reimbursed {$710.00} via check from Paypal of previous payments I sent in excess of my account balance charged by me. I did not make any other purchases and wanted to close the acct however I heard if you close an account it reflects negatively. Fast forward to XX/XX/XXXX when Paypal took {$250.00} out of my checking acct ( previously set up auto withdrawal of minimal payment..I had no balance on acct and hadnt bought anything and thus contacted Paypal to reimburse the money ( {$250.00} ) they erroneously took from me without me owing anything due to not charging anything. I have contacted Paypal since XXXX with a runaround, bouncing Frim fraud to customer service. They would tell me a complaint was filed and someone would get back to me but never did and would " drop my calls '' and no one would call me back and kept sending me past due balances. I asked to see charges a nd tell them to send these statements and never would. I also would look them up on line and two months were " missing '' and was unable to see becsuse I wanted the customee service rep to go over these charges and thats when phone call was dropped and then the last couple of months I am unable to access my account at all and no one has contacted me other than to tell me to pay {$620.00}. In fact when I could see my account they also had a balance on the regular Paypal side ( the side you can pay people and certain online merchants ) I have not used this either. And yes I tried to solution but no one will help and no one will call me and now I am locked out of my acct.. I do not owe anything and in fact Paypal credit owes me {$250.00} Of note is company never sent me a physical credit card either

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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I have been trying to open business account with my credit union to get my PPP funding and XXXX XXXX XXXX has incorrect information reporting to Chex systems as fraud/acct closed/ nothing paid showing to chex systems. I contacted XXXX and there system does not show any of this. XXXX says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what chex system says is showing and no way for anyone to generate any letter to chex systems because the system does not show any negative balances due. 

Finally talked with risk manager at XXXX who said well send in a copy of chex system reports and go from there. I tried calling XXXX risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into XXXX  location and have them fax. I went into XXXX and the reps faxed copy of XXXX balance due paperwork to chex systems then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave XXXX admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end XXXX admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with XXXX so hopefully they can see their own mistake if they too use chex systems to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within XXXX institution. having trouble getting paperwork to XXXX to get Chex systems updated. chex systems will not remove unless they here from XXXX. XXXX says nothing to update, yet the consumer is losing due to XXXX error Consumer is suffering, Consumer will homeless on the streets of Michigan.

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 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal permanently closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was checking my credit score when I saw a company named I.c. System, Inc. reported debt collection amounting to XXXX . I don't know this company nor I owe them any thing. This company is trying to collect a debt which I have no information nor I owe any XXXX to this company. I haven't even received any type of communication from them.This company has ilegally damaged my credit score. I need this collection account removed from my credit report 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 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have paid the rent online on XX/XX/XXXX for our apartment rent with the new account info because the old account have been suspended because of fraud hoard. So I updated the new account on XXXX and someway it went back to the old one last 4 account number is XXXX and have update to new acct last 4 number is XXXX. It went back to the old account and my landlord emailed me with NSF payment on XX/XX/XXXX. That is where Bank of America decided to close our account and not do any business with us anymore which I was gon na fix it myself but they closed it before we get it resolved. So my bank is Bank of America. So they technically closed the account with remaining balance of {$1300.00} which I am attempting to get it back so I can get rent caught up.

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 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
I filed a previous complaint ( XXXX ) on XX/XX/2021 about deceitful tactics and abusive language by the representatives at The SOS Group. On XX/XX/2021 my complaint was marked closed and the response was that I would be contacted by the company. Later that day I did receive ( missed the initial call due to work, but played phone tag a bit ) a call from XXXX. He was kind enough but denied everything in my complaint. However the resolution offered was for me to update my initial complaint saying they resolved it and in turn, he would have the debt removed from my collections report ( which was a huge part of my initial complaint and he denied was ever promised ). I agreed simply because this absolutely destroyed my perfect credit which is another devastating blow after crippling medical debt. I updated my complaint praising XXXX in hopes he would stay true to his word. I received a call in XXXX that my automatic payment was declined for some reason and I needed to pay. I immediately did and called my bank after I got off the phone. They have no record of an attempted charge nor a declined payment. I cant think that this was an effort to prove I didnt follow through with my end of the agreement. 

It is now XX/XX/2021 and no effort has been made on the part of The SOS Group to follow through with their end of the agreement, the collections is still listed on my credit-the balance has decreased but it is still there. I am confident The SOS Group will again fail to admit their wrong doings and accuse me of lying. I am sure they will deny ever agreeing to this. I certainly would never have agreed to amend my review if this wasnt offered. Be aware when entering agreements with this group, they will absolutely lie and fail to live up to their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 have disputed numerous items on my credit report as multiple times and nothing is being addressed. All they do is do an investigation and carry over the results of the previous investigation ( which are wrong ) and therefore that then makes any further investigation incorrect. Nothing has been actioned on the 3 certified mail letters that I have sent them, no evidence of the accounts in dispute has been sent to me despite requesting this numerous times. I have sent evidence of accounts that have been paid and should not be on my report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX but every single thing gets ignored. I have 14-18 credit inquiries that I do not recognize but these are still on my report. Why is nothing being done? Why am I being ignored? Why are you not investigating the facts and actioning the hard copies of the information that you signed for via certified mail? Remove the items from my report as requested months and months ago.

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 2021-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I had 30 days late payment on XX/XX/XXXX from BMW. ( It's paid off never had late payment ) Staring call BMW service on XX/XX/XXXX ask them to remove 30 days late payment XX/XX/XXXX. I ask them politily to remove 30 days late payment. At this time everything was going well and told me to send goodwill letter to them and I did. Around XX/XX/XXXX I call bmw to check the result. when i had chance to talk customer service one of the assistant told me that BMW sended it out to all credit bureau. I even double check with this assistant. 
About week later nothing was changed. So I called BMW service what was going on? 
they told me they declined what i ask for.. I did complain about previous assistant what he said to me ... .still nothing was changed. I thought it was going to be removebecuse how it went ... I'm disappointed their decision. Also 3 major credit bureau was not helpful at all keep asking me to get a delete letter from leader because they have no power to remove anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/2021 I called XXXX & XXXX XXXX, my mother in law received a call stating that they were looking for me and wanted to settle a debt before proceeding with a lawsuit against me, this is was News to me has I had not received any correspondence or phone calls. I immediately called the number and spoke with a young man who was very polite and helpful, I told him I would call him back after I had looked as some options and spoken with someone with a little more expertise, I called back after weighing some options and asked to speak to the previous young man but was sent instead to his manager XXXX XXXX, at first he seemed nice enough to conversarte with, but when I asked for more time to understand what was happening, he became belligerent and condescending, I was trying to explain to him that I had not received any written documentation of what I was being charged for, but speaking with him became very difficult because of his constant interruptions and continued escalations, I requested to speak to a manager at which point he stated that he was as far as I could because his boss didnt deal with someone like me, Essentially being condescending, he then hung up but not before stating that hed see me in court. I called back immediately and asked to speak to anyone but him, I was then transferred back to the original person I had spoken to and was able to resolve the account in a Better way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
this happen on the XXXX exchange website binance.us on XX/XX/XXXX, I am trying to send a 2000 dollars deposit from my bank account to my binance account. 
I connect my chase account via ACH, and proceed. a minute after, I receive an email from finance stating : Your ( XXXX XXXX deposit order ( Order ID : XXXX, XXXX USD ) failed. 
Unfortunately, our system was not able to process your deposit at this time. Please try again later. 

so I take note on that and decide to send my money from my bank account to another XXXX exchange ( Coinbase ) and then send some crypto to binance. 

yet on XX/XX/XXXX, I see that bianance still proceeded and took my {$2000.00} out of my account putting me a negative balance since I already sent to Coinbase {$1000.00} after binance told me it failed.

so I dispute the charge with my bank to be able to have money on my account and because Binance emailed me saying that the transfer didn't work.

I couldn't even put back my money from Coinbase because there's a waiting period before to be able to take the money back. 

on XX/XX/XXXX, Binance email me saying that I have an outstanding balance of 2000 dollars and that I need to make a deposit to get my account back. 

the only problem is that they disabled the deposit option, so I have no way of sending them the money. I have cryptocurrencies on the account that I could change in USD as well to pay the balance but they locked my trading capability as well! 
so now not only that I can not pay them, but I have no way of trading my money and could potentially lose thousands. all because of their incompetence! 

I have been emailing them everyday ever since XX/XX/XXXX without them ever replying back. I do not have access to my money when the solution is so simple here 's the ticket number which is basically the case number for the request I made # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
HARD INQUIRIES ON TRANSUNION ACCOUNT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR 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 2021-05-07 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: IN

Complaint narrative:
XX/XX/21 - Transunion decided to reduce my credit score by 10 due to an account balance going from {$3.00} to {$0.00}. This actually was a fee paid on time a couple of months ago on an card. Nonetheless I literally reduced the balance to {$0.00} and I have XXXX to show for it. This is ridiculous.

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 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I went to the ATM today to take money out of my Chase Bank account. I had a checking, savings, and had recently opened my daughter a bank account as well. It would not let me withdraw money from the ATM so I went inside. They told me they had closed my accounts, without warning or prior notice, and that my money was restricted. After over an hour, I got the majority of my money from them. They could provide any explanation as to why they closed my accounts. The VP Branch Manager XXXX XXXX was able to do a conference call with myself and corporate office number to try to get an explanation. I was advised this was a recorded call, so it will be available if they allow it. They told me they did not have a reason to close my accounts, that if I looked at page XXXX, and referenced exact details of my account agreement, that it stated they had right to terminate a relationship at any time. She went on to explain they did not need a reason to decide they did not want to do business with a customer and can terminate it without reason. I said that banks still usually have a financial reason and they don't seem to have one in my case. I informed her that after doing a quick XXXX review, I discovered Chase has been accused of targeting conservatives. I am not a registered XXXX but as unaffiliated have voted in a few XXXX primaries, and believe they discriminated against me due to perceived political affiliations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XX/XX/2021 a letter of account closure was written, I received the letter around XX/XX/XXXX. The letter mentioned no reason to why they elected to discontinue providing me with financial services. It said that by XX/XX/2021 they will disable any debit card, online banking or bill payment access. It also mentioned that the account will be closed formally on XX/XX/2021. 
On XX/XX/2021 I made a phone call to the bank that lasted about half an hour long, and when I spoke with the customer representative they referred me to a manager XXXX XXXX is the only name they wanted to give out XXXX which then they went in circles talking about the letter that gives no valuable information or reason to why they closed the account and still over the phone they gave me no valid reason to why my account was closed. 
As a customer of a bank ; I always have enough balances in my accounts checking and savings in order to cover any withdrawals or purchases I make. I also have never made an over draft. I see that there is absolutely no reason for them to close my account.

Company response to consumer: Closed with monetary relief