vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I initiated an agreement with XXXX XXXX to provide me with literature, call in guidance 7 days a week, 24 hours a day. The end result was that they almost never return calls and never answer the phone, and when they do, the people picking up have no experience or even a clue as to how to answer my questions. Based on this I asked that they cancel my order and return the funds back into my PayPal Credit Card account, ( Synchrony Bank ). 
On XX/XX/XXXX, I called into PayPal Credit Card Customer Service, ( Synchrony Bank ), and spoke to a " XXXX '' that helped me file a dispute for the initial {$590.00} that they paid XXXX XXXX. I also asked XXXX to put a stop on all future payments to XXXX XXXX   because they breached the agreement as promised. XXXX agreed and said she put notes on the account instructing all at Paypay to not allow any further payments and to request for a refund to my PayPal account.On XX/XX/XXXX, a second payment was sent by PayPal to XXXX XXXX for the second payment to them. Paypal completely ignored my request to not pay any further invoices from XXXX XXXX. XXXX XXXX in my opinion is taking funds from people, breaching the agreement and Paypal is helping them by not following the card holder 's request to not pay.I request a full refund of all payments to XXXX 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 monetary relief
Consumer complaint received 2020-06-10 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:
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.

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 2020-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.

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 2020-06-10 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: PA

Complaint narrative:
Transunion file number XXXX Dated XX/XX/2020 page 10 of 11 shows under supplemental Consumer information Auto Finance Inquiries in last 3 months shows 2 last 6 months shows 2 last 9 months shows 2 I have not applied or made no inquiries on no auto finance as stated by transunion on page 10 of 11 file number XXXX I would like documents signatures showing me applying or requesting a loan. as stated by Transunion/ any party stating this on auto fin inquiries I have also filed with US Attorney office as well DOJ on this matter with no documentation to support these inquiries not verbal or some letter stating the facts.

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 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
National Enterprise Systems is trying to collect on behalf of XXXX XXXX  for an unknown debt. National Enterprise Systems has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$3000.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2020-06-10 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: CA

Complaint narrative:
On XX/XX/XXXX. I placed and order on XXXX and ordered two gowns from XXXX XXXX XXXX  through the XXXX website I'm guessing XXXX XXXX XXXX  is a third party through the website well anyways I returned the two gowns for a refund and never got a refund I had to report this issue to PayPal since I payed with PayPal and PayPal sent me a temporary credit of the XXXX for the two gowns well now PayPal is siding up with the merchant XXXX XXXX XXXX and telling me I did not return the two items when infact I sent them the proof now I had to file and appeal with PayPal to let them now the two items are no longer in my possession and were sent back to the merchant on numerous purchased PayPal isn't helping me and I'm loseing out on money and I can't report it to the XXXX credit card company because of covid 19 nobody answers and I'm not able to dispute this charge online through the XXXX  XXXX website aswell so I had to dispute through PayPal and yet PayPal is still giving me a bad time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was searching for a resort in XXXX on XXXX and was diverted. from XXXX to a site called XXXX. I booked a reservation through XXXX for a resort in XXXX for XX/XX/2020. But my flight was cancelled and the borders were closed so I asked XXXX for a refund. Submitted many tickets no response, their phone number is not working. I contacted the resort and resort did not receive any money from XXXX. I found an email for a parent company XXXX. They say their supplier is refusing a refund. There are multiple shell companies involved in this. I am out of {$1500.00}, I am part of a XXXX group of 500 plus consumers scammed by XXXX. One of our members is going to be interviewed by XXXX. I asked for chargeback from my credit card Chase Sapphire Reserve who denied chargeback. I did not receive the service ( resort stay ) so I should be entitle to a chargeback if the company is not responding. Chase has denied chargeback of {$1500.00} twice. Second time they did not even provide a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
late payments on mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX we have had a modification that brought us current from XX/XX/XXXX-XX/XX/XXXXtrail period. 
the first payment for our new modification was for XX/XX/XXXX. everything is on time. 
we ask that the old late payments for the other loan, should be removed from the credit, there are no reason these should be on the credit with a modification. please consider the new loan mod. to be moving forward. these late payments are a year old.

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 2020-06-10 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
I was notified by my credit that there was an debt placed from southern management company by ways of broad management for over XXXX. I contact broad management to see what it was for they advised me it was for an eviction placed for XX/XX/XXXX I advised thats Impossible because the lease was expired in XXXX or XXXX and I didnt resign any lease. I advised I got the apartment for someone and the lease was fraudulently signed I asked for documents to show they never sent it they told me too bad nothing they can do because they no longer manage that property anymore and its my responsibility.. I told them it was fraud and I didnt resign and lease and that Ive been residing at XXXX community for the past 4 yrs Ive been in XXXX. They refuse to help or remove this off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: STATE FARM BANK, FSB
State: IL

Complaint narrative:
I have contacted XXXX XXXX XXXX and XXXX in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX  and have received the same response as the accounts have been updated or remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: IL

Complaint narrative:
I have contacted XXXX XXXX XXXX and experian in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to experian and have received the same response as the accounts have been updated or remains.

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 2020-06-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB -XXXX : Chase is reporting erroneous lates on my credit report file. I was set up on a hardship plan where they would automatically draft my payments ( monthly ) on the XXXX of each month. I should not have any late payments. This is an error on their behalf. I have tried contacting them several times to fix this issue. They said they would and still have yet to do so. This needs to be fixed immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: WI

Complaint narrative:
I am requesting that the {$64.00} in NSF fees be returned to my account immediately. 
I called Prime on XX/XX/XXXX to let them know that a 2nd payment was made in error. I'm on autopay and made an online payment in error. I called immediately to inform them and request that I be taken off of autopay. I asked if I would be charged again or if they would be running the payment through again and I was told that they wouldn't and there was nothing that I needed to worry about. Today, XX/XX/XXXX, I check my account and have been charged another {$32.00} fee for them trying to deduct funds again. I called to request a refund and was told to send a bank statement and a letter. With everything going on right now and my hours being cut at work I refuse to wait 30 days until a bank statements comes out to reflect NSF fees when I can simply download my online transactions through on-line banking to show their error. Nobody should have to go through that much trouble to get a fee reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: SC

Complaint narrative:
I am unaware of the debt in reference, I have not had a loan or contact with either company referenced in the threatening email that they sent. They have contacted me multiple times, usually via phone, making the same threats to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I submitted an application to my bank, XXXX, for preapproval for a mortgage. This submitted a hard credit pull by a company called XXXX. Subsequent to this, I received a notification through a third party ( XXXX ) that my TransUnion credit score had fallen by 49 points overnight. Hard credit pulls do hit credit, but 49 points is excessive, especially in the 600-700 range. 

In dealing with this, I checked with XXXX  ( XXXX  could not process a request online for a report ). My score did drop a bit, but was still relatively unaffected, in the 700 range. This is the behavior one would expect. I pulled my TransUnion report, and the only change was the hard credit pull. 

I contacted TransUnion, and they will not disclose what occurred. I understand credit scores are algorithmic, but they kept referring to me being able to look at my report to understand the factors. I understand the factors, but I do not understand why a person in good standing was so dramatically damaged by requesting a mortgage credit line. They would not answer this question. I can not even confirm this score hit because they keep routing me to a $ XXXX/month service for credit monitoring in order to see my score.

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 2020-06-10 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: CA

Complaint narrative:
The accounts listed bellow are fraudulent accounts I run my credit history and I found many fraudulent accounts this is a IDENTITY THEFT

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 2020-06-10 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: CA

Complaint narrative:
The accounts listed bellow are fraudulent accounts I run my credit history and I found many fraudulent accounts this is a IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$240.00}

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 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
On XX/XX/2019 I sent a dispute letter to the collection agency known as National Credit Systems disputing the alleged account and requesting for account level documentation about the debt to be sent to me via mail. I also sent my dispute via certified mailing. I did not hear or receive anything from the agency until XX/XX/2019. In which they sent a settlement offer but never fulfilled my request for verification of such debt. I then proceeded to send another dispute via certified mailing on XX/XX/2019 stating that the agency did not send me any verification of debt to continued to attempt to collect on the debt via phone and mail. They then sent me an old rental agreement but never stating the break down of the bill on XXXX XXXX. I then even contacted National Credit Systems via phone call in XXXX for them to continue to give me the run around and continuously attempt to collect on the alleged account. 

This has been a struggle for going on a year and they agency has failed to allow me to exercise my rights as a consumer. They have violated the FDCPA ( Fair Debt Collections Practices Act ) and the FCRA ( Fair Credit Reporting Act ). 

I am requesting that this agency National Credit Systems to immediately remove this account from my consumer credit reports as well as stop attempting to collect on this alleged debt due to these unlined violations. I have consulted with an attorney and they requested that I take this route to get this issue addressed but if not addressed and resolved I will be seeking legal actions. So I am demanding that this agency does what's right and we can end this soon. Thank you so much for your understanding and willingness to resolve this unforeseen matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My complaint is with Bank of American and the length to which they hold onto my money without restitution. 

On XX/XX/XXXX, I planned to transfer money between my checking accounts at Bank of America ( and ultimately out to my brokerage ). Accidentally, I transferred money to my credit card. This resulted in overpaying my credit card. My balance on my credit card was less than {$1000.00} at the time and there were no guardrails to stop my from making this transfer. I immediately noticed this issue and called to have my transfer reversed. I was told to call back the next day and was told it would take 2-5 business days for my checking account to be credited. I called 3 business days later and was told to continue to wait. I called 2 business days after that and was told that I still had to wait. I called the next business day and was finally told that my request had been approved, but my account had not been credited. At this point I asked for restitution for my money as it's been unavailable for the last 10 days. After being transferred between the banking and credit card departments multiple times, I was told that there was nothing that can be done. As of today, XX/XX/XXXX, I have yet to receive my money back. 

My issue is with the way my bank treats my money. It takes seconds for my money to be deducted and moved into their account, but it takes 10+ days for the money to be credited back. These types of controls and process are done to withhold consumer cash. This is blatantly unfair for the consumer. I do not have access to my money. I cant invest or earn interest. 

Please 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