vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
In XX/XX/2020 I received an unsolicited " PayPal Cash MasterCard '' in the mail from PayPal. The card included is real and an account number has been assigned. 

I previously had an account with PayPal but the account has been closed for at least a year, likely much longer. I closed the account due to account security and privacy concerns and specifically requested that my account and all related information be permanently closed/disabled/deleted. 

I have attempted to contact PayPal and their card issuer but their automated system states that they can't handle my call by phone and to login to support a ticket ( which of course I can't do because I don't have an account, other than the new one they have apparently created on their own ). I have also opened a XXXX  case but PayPal has not responded. 

I believe this is a violation of the Truth in Lending Act. Hopefully someone can hold PayPal accountable for their unacceptable practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
I received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.

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 2020-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-17 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-17 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: MI

Complaint narrative:
Transunion lowered my SCORE since last month by 39 points. I have called their customer service group twice and they could not explain this action.

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 2020-07-17 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank refuses to reverse a charge for a transaction in which the merchant admittedly never provided the services for which I contracted. On XX/XX/2020, I paid merchant XXXX XXXX {$390.00} via my Barclays credit card in order to transport luggage. Through no fault of my own, the luggage was never loaded on the plane, and I subsequently sent the luggage via airfreight with another company at about double the price ( see attached invoice ). US Department of Transportation Regulations require that all charges be refunded to the customer under these circumstances. ( See : https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds ). In violation of these Federal regulations, the merchant desires to give me a " travel voucher '', which I neither requested nor want, and would mosts likely never use. Bizarrely, rather than refund an admittedly illegitimate charge, as it is required to do by law, Barclays Bank has decided to assist the merchant in its own violation of Federal law and regulations by insisting that I must accept the travel voucher, rather than a refund of my money. By so doing, Barclays is violating the law while also acting as an accomplice of the merchant in its own violation of Federal law. Barclays need look no further than the fact that I admittedly never received the services for which I paid. Failure to refund my money makes Barclays a party to the merchant 's fraud and deceptive practices. Barclays is not a Tribunal, and has no right to choose sides. It is a bank which must follow banking law, which stipulates that I am not required to pay for services which I never received. Barclays should follow the law and refund 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 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My situation may be unique. I was not harassed by the debt collector. I actually called them to discuss resolving the debt I owed. The man on the phone made an offer to settle this debt, and I asked if I would receive confirmation prior to giving him my bank information the debt will indeed be settled for this agreed upon amount He would not offer that reassurance. My concern was that I actually had some sort of agreement, not solely verbal. He said he would send it out only AFTER my bank information had been given. An email would have sufficed for me. He spoke with his supervisor who stated only AFTER would I be given a written agreement for the amount agreed. I was concerned I would have no evidence this would have been settled for the amount agreed upon and contacted further. I was not asking to have evidence of " Paid in Full ' sent prior to the funds being sent, but a written agreement, brief, and even emailed for my own assurance a settlement amount. The customer service rep I spoke with stated he gets calls from customers like me all day long ... and clearly frustrated. We all have to protect our own interest, why would this be so complicated? The man stated to call him back when I am ready to settle this debt. I was. I dont think this is an unreasonable request. Do I have any recourse? In addition, the representative stated this debt leaves his dept by Monday, so I was feeling a heavy rush. I don't know where the debt goes from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
SAGE STREAM I applied for a credit card for XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. 
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and XXXX XXXX cards merged. I did not receive credit for clothes I returned, so I canceled my acct since they were having so many problems while they were merging cards. 

I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and XXXX XXXX  and asked why, and they said they could not tell me. They told me to call Sage Stream. Sage Stream said they could not tell me either, but would send me a letter. 

The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX  and XXXX. Everything was correct and my FICO is still very good. 

Sage Stream said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. 

Sage Stream refuses to help correct this information, so I am placing a security freeze on my account. 

Who is Sage Stream and why are they creating so many problems for people? 

Please take action and help consumers. 

Thank you! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This morning, XX/XX/2020, at XXXX XXXX  I got an automated call from Bank of America, telling me, that they want to collect a debt I should have on my credit card with them. 

This is one of the dirty tricks Bank of America has developed to steal money from unsuspecting citizens. And who better than to do that from the elderly. 

I am XXXX years old. About two months ago I got a call from Bank of America with a lot of promises too good to be true. I fell for it. You see : doing business over the phone is bad, because you have no time to think things over. They " bank '' on that. 
They sent me a credit card, which I destroyed and did NOT activate. 

Nevertheless they claim now, that I have incurred a debt of {$93.00} on this card, which they want to collect. 

If this is not Highway Robbery, I dont know, what is. 

I request herewith Bank of America to stop to bother me ( they call me at least twice a day ), cancel the credit card and the so-called debt and to stop at all with their dirty tricks. Shame on them!

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 2020-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
1. A refund check in the amount of XXXX was sent from the city of XXXX, VA for my benefit to Dovenmuehle Mortgage Company to be disbursed to me approximately XX/XX/2020. 
2. As of XX/XX/2020 there is no check. Ive made over 75 phone calls regarding the status of my check. I spoke with numerous customer service representatives ; Ive discussed the matter further inherently speaking with at least three of the same supervisors twice. There were so many stories as to why I have not received my check : I was told it was sent out XX/XX/2020. The customer service rep said it will take 30 days before they could cut another check. Around XX/XX/2020 I called to check the status, customer service rep said they had to research it ( Not sure what they were doing for 30 days? ) I called several more times, they came up with these stories : It was sent out. Its processing. I dont know. I will call you back. I will expedite it. No one in that department has responded. We were out because of COVID-19. They are looking into it This mortgage company only recently began to use COVID_19 as an excuse.. 
3. This money was desperately needed to assist me with clearing up my debt for my security clearance and to obtain a hiring position. I told XXXX XXXX XXXX XXXX   I would have my outstanding debts paid down. Due to this companys lackadaisical attitude, incompetence, reckless and total disregard for me as XXXX veteran and that I care for a wheel-chair bound sibling ; I loss a position that I was being looked at for promotion ; Im now being looked at for demotion due to my financial responsibilities that were not completed due to my funds being withheld. Had this mortgage company return my refund check in a timely matter, I would have a promotion instead of being on the brink of being unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a loan that was serviced by Ocwen Federal, this was back in early 2005 I was recovering from injuries I suffered in a HATE CRIME! I was trying to keep my property out of foreclosure. Owen Federal was claiming I owed more than really was owed? I tried to tell them there figures were wrong but to no avail they foreclosure ans I lost my home! 
The address of property is in XXXX  CaliforniaXXXX XXXX  XXXX  I haired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid him {$2500.00} Cash and he did nothing to help took my money and I tried suing him I'm Small Claims Court. But lost and judge awarded him {$5000.00}? 
What Ocwen Federal refused to do was contact HUD that had set me up on a program to keep my home paying 90 % of my mortgage they claimed I was not assisted by HUD foreclosure and took my property! I was trying to stop Owen but they were very unwilling to help or contact HUD they got away withy home worth {$100000.00} at time! Over these many years I have lost most paper work but I will contact HUD for any information they have.I LET MY FAMILY DOWN I KNOW I WAS RIPPED OFF BY OCWEN FEDERAL! 
THANK https : //files.consumerfinance.gov/f/documents/20170420_cfpb_Ocwen-Complaint.pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
Hello, for my loan with Dovenmuehle Mortgage out of IL, Loan number XXXX. We were affected by Covid-19 and due to that we went into a Covid forbearance for 3 months. We are now awaiting a Flex Modification. I have been trying to keep my credit score as high as possible but as we all know, most of the score comes from Debt ratio and how much debt is owed. Dovenmuehle is reporting incorrectly and in my opinion illegally. It shows current which is good, shows no late fees which is good, but is shows my balance increasing over XXXX a month! Due to this, my scores have dropped over 30 points! Now this will greatly affect my chances at a better interest rate when the underwriter calls me for the Flex modification with XXXX and Dovenmuehle! 

This is not good reporting and from what I am reading on your site and everything else the balance should not show increasing and therefore negatively affecting my credit score and my husband 's credit score which will be ultimately be driving our modification offers! 

This needs corrected and I have not gotten anywhere with the company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to Equifax, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, Equifax continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Applied for mortgage refinance with XXXX XXXX XXXX and the banker ( XXXX XXXX ) told me that XXXX score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to XXXX asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 XXXX  XXXX XXXX XXXX Transunion XXXX XX/XX/20 XXXX XXXX XXXX XXXX ( & XX/XX/20 XXXX ) Transunion XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.

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