vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and SYNCB Network and SYNCB/XXXX The Account Opened is SYNCB Network Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$25000.00}. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-03-05 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: AK

Complaint narrative:
I have submitted all the document to TRANSUNION that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that NAVIENT CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

I am ONCE AGAIN, attaching all the document HERE. These documents include a list of all the creditors who were listed and discharged. XXXX is on page 19 and highlighted. This copy if STAMPED from the COURT. Also, is a COURT COPY of the DISCHARGE, showing ALL STUDENT LOANS were DISCHARGED. Also included is a copy of my Drivers license, a copy of a bank statement showing my address that matches, and the matrix from the court showing NAVIENT was sent the paperwork FROM THE COURT, so they KNEW that 3 YEARS AGO, this was DISCHARGED. THEY DO NOT get to SELL this debt to someone else AFTER discharge to try and collect, so XXXX on my credit report NEVER should have been listed. I am TIRED of credit reporting agencies 'investigating '' and listing it as " ACCURATE ''. It so NOT accurate and here all the DOCUMENTATION to PROVE IT!!!! THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I had XXXX $ deposited into my usbank reliacard account from unemployment benefits yesterday then all of sudden my card was locked ny usbankreliacard I still can't get or use money they won't give me straight answers except verify my identity and I have done that multiple times and different ways and still have it locked I can't pay my rent I'm gon na be homeless I can't eat I haven't had money in weeks and now I get my Money and they do this it's ridiculous my card is locked illegally there's no reason it should be locked

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: NV

Complaint narrative:
I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card.

-Copy of my valid Photo ID.

-Contract signed by me.

-Bill with my address ( within 30 days of the account opening ) -Any other documents. 
XXXX XXXX and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. 
Since XXXX XXXX  and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to XXXX XXXX today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The original account owner " US Bank '' have sold the account US Bank has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then US Bank sells the unverified accounts to a different collection agency.

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 2021-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My property was refinanced shortly before XXXX property taxes were due in XXXX The new mortgage company ( XXXX XXXX XXXX XXXX paid the property taxes ( {$1300.00} ) and so did the old ( New Rez ) mortgage company. The check from the new company was honored and the New Rez payment was returned to them. My loan number with New Rez was XXXX. 
I have contacted New Rez on several occasions ( 12 times or more ) prior to XX/XX/XXXX regarding the overpayment of tax money and how and when they are going to refund it to me. They responded that they have a separate company from New Rez that handles the tax payments. They say they are unable to get a response from this company to verify the returned tax payment. 
This has been going on since XX/XX/XXXX and still no refund. It appears that New Rez does not want to refund the unused tax money to me. This is a VA loan and actions should be taken to correct this situation immediately. 
Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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:
PLEASE HELP!!! 

PayPal 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 PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Selene Finance taught me the lesson very clear. If there is a issue only CFPB can help. I have been reached out to them about the statement issues 5 time and nothing is done. After filling the complaint with CFPB at least there is some movement even Selene Finance is still not providing the right service to my mortgage. 

My mortgage payment was {$1500.00} for more then a year before Selene Finance took over. 

The first coupon Selene Finance sent me has the same payment amount {$1500.00}. Please see attachment 1 for reference. 

Which I have been sending the {$1500.00} payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This {$1500.00} should be break down as Principal, interest and {$290.00} for Escrow.

Selene Finance dropped the Escrow which should be included in the monthly payment from {$290.00} to {$60.00} without any agreement with me. They also mark my Escrow Balance as - {$410.00} on the statement date XX/XX/XXXX. Please see attachment 2 for the reference. 

I am not asking Selene Finance to provide me any special assistance but just the right service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
JPMCB has several inquiries listed on my credit report dated XXXX/XXXX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not know what these are for as I recently went through chapter XXXX bankruptcy and have not applied for any credit except for a car loan through my bank. I did have power of attorney for my stepdad and mother, including their legal finances, and I shared an account with them. I am wondering if somehow these inquires where made by them for their accounts without my permission. They both passed away last year in XXXX so I have no way of knowing, but I do not have, not have I had anything with Chase bank since the bankruptcy. I asked about these and was told they would not remove them. If I did not make the inquiries with my permission or knowledge they were being made, then how is that right?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 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: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/2020, I request to OPT OUT of my information being shared. On XX/XX/XXXX, I received a letter from LexisNexis confirming the approve of my information being suppressed. It saded me to know you are still sharing my information and invoking my to privacy and reporting inaccurate information about me. As a consumer, I have a right to privacy and to OPT OUT OF SHARING MY INFORMATION TO 3RD PARTY VENDOR. 

ON A FUTHER REVIEW OF MY INFORMATION, THE INFORMATION ITS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: MD

Complaint narrative:
I am distressed that they have included the negative information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

EQUIFAX Collection Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} XXXX Charge-Off Account XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: FL

Complaint narrative:
no response from the credit bureaus about my report

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 2021-03-05 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:
no response from the credit bureaus about my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: PA

Complaint narrative:
On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'XXXX XXXX ' to my XXXX XXXX XXXX XXXX XXXX Upon receiving an unusual activity alert I immediately froze my account and called XXXX XXXX. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped XXXX points. I have called Equifax to file a dispute with them to amend my credit report. 

Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I have 5 hard inquiries from SYNC/PAYPAL bank on my credit report that make no sense since some were done not even a year after I filed bankruptcy and had listed them as a creditor, so I know they would not give me credit back. I have tried to talk with them to see if they were looking at my credit regarding the bankruptcy and got no answers. I think they made a mistake when looking at or listing them as a creditor to my credit report, but I did NOT apply for any new credit with them right after I had just filed bankruptcy. There are 5 hard inquires dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so not only are there hard inquires, but some are literally back to back.

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 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My money two orders were stolen and the person that stole it deposited it at a local chase bank. The {$1000.00} Money order number XXXX & {$140.00} Money order number XXXX, were stolen, cashed at the local JP Morgan/Chase bank. I went to the chase bank and they won't reissue my money and told me to go to XXXX. I then went to XXXX and they said its the bank 's responsibility and won't reissue me another money order or refund me my money. Both JP Morgan/Chase and XXXX tell me to go to the other to collect. I just want my money, since the money order should not have been cashed, which is the bank 's risk when cashing money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: WA

Complaint narrative:
I received a letter in the mail dated XX/XX/2021 from Synergetic Communication , Inc., stating that I owed {$1800.00} to a client with the name " XXXXXXXX XXXX '', and that the amount had been placed for collection. I have zero knowledge of this whatsoever, and have never had an account with " XXXXXXXX XXXX ''. The letter goes on to state that this alleged " debt '' is too old to be the basis of a lawsuit against me as the statute of limitations has expired. 

I have also received threatening phone calls, though the person on the line never gives the name of the company, stating that I owe money to a collection agency. These calls have even targeted my family members. I suspect these calls to also have come from Synergetic Communication , Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In complaint # XXXX, Citizens bank didnt explain at all why they disqualified me for saving account opening bonus. I did open the saving account with $ XXXX deposited for three months as required in the banks flyer. Flyer and bank statement are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/21 - Fraudulent transaction made ( ACH Payment Refund ) in the amount of {$2900.00} showed up on my Bank of America bill. 
XX/XX/21 - Fees shown on credit card bill related to the above fraudulent transaction in the amount of {$69.00}. 
XX/XX/21 - Phone Bank of America and speak to 3 representatives including XXXX in TX and XXXX in MI. XXXX says she has filed a complaint as requested and tells me to look for a letter in the mail. 
XX/XX/21 - No letter has arrived so I use online chat to request help. XXXX tells me I have to call fraud services and gives me a number to use. 
XX/XX/21 - Called the number given me by XXXX, told it is the wrong dept by XXXX in CA, transferred to XXXX, XXXX, XXXX, and XXXX. 
I ask to speak to a supervisor and am sent to XXXX who transfers me to XXXX who says she is not a supervisor. I ask again to speak to a supervisor and am transferred to XXXX who says she is not a supervisor. I ask a third time to speak to a supervisor and am told I will have to wait for a call back. Three hours after my initial call, XXXX who says he is a supervisor calls and tells me he can not do anything to help me. 
I do not know what more to do and really need your help. Thank you

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 2021-03-05 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
State: NY

Complaint narrative:
PayPal 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