vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The hacker attacked my PayPal account on XX/XX/2020 and they got all my credit cards and bank account ( checking and saving ) information that was linked to my PayPal account. 

I called PayPal right away when I realized that multiple unauthorized transactions happening on my credits cards, bank accounts ( wire transfer ), and purchases on my Paypal that were no processed by me. 

The amounts of money involved with this hacker attack was {$45000.00} wire transfer from my bank account, {$3600.00} and {$3400.00} of the transfers to another PayPal account, and several credit card charges. 

Paypal denied my claim ( dispute ) even though it was clearly unauthorized transactions.I appealed the case, and a couple hours later, I received the message that my claim was denied again. 

I phoned PayPal and they told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police, which I did already that these unauthorized activity happened on XX/XX/2020 Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that " Based on our review, we found this transaction is consistent with your PayPal payment history. '' I do not believe PayPal really investigated my claim. 

On the same day, I called all my banks that were linked to my PayPal account and told them to stop any payment from PayPal and also explained issues with PayPal. 

The banks actually did the investigations and I could get {$45000.00} back to my account, and the disputes on my credit card charges were also accepted and refunded me already. 

Now PayPal is sending me the message that I have the negative balance of {$3600.00}, which was one of the unauthorized transaction. The transaction looks like that I ordered laptop computer, which I never did and the XXXX tracking number on the transaction also shows it was delivered to my address. 

I called XXXX to find out why the tracking number seemed to be delivered and signed by me, and XXXX told me that the tracking number shows it was delivered to the same city I live, but it was not actually my address ( XXXX could not tell me the exact address it was delivered because it is personal information. ) After talking to XXXX, I called PayPal and explained the unauthorized transaction and the tracking number is also fake/fraud tracking number, and PayPal still told me they can not help anything about the negative balance and the case is closed, and I have to pay for the negative balance of {$3600.00} I have all the documents to prove the fraud and police report numbers. 

Also, I have 3 PayPal accounts and the hacker also moved around the money between the accounts, which made it more complicated to find out what's going on and where the money went when all the unauthorized transactions happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I cashed Insurance Checks at my bank. I went back and removed the money. I was not told the money was " provisional '' credit. I was called and told to bring the money back because the checks were not paid. I was told I had committed a felony. I began a dispute with the Insurance company that wrote the checks because they should not have stopped payment. The bank never told me to bring the money back because I breached a contract. They told me to bring the money back because I committed a felony of theft and kiting. I was disputing that I had committed a felony of theft and kiting. There is a lawsuit in place in the court system. I disputed this item with Chexsystems explaining this is in dispute and it should be removed until the lawsuit is over. They are refusing to remove the item. I am not ok with just showing " dispute '' on my file and my husbands file. Chexsystems XXXX XXXX says they will not remove it because XXXX XXXX XXXX  verifies it is true. When I explained what happened, XXXX XXXX says that is too bad, they will not remove it. I explained to XXXX XXXX the money is begin held by the court and XXXX XXXX XXXX  refuses to accept it because they want {$10000.00} in legal fees added. I am requesting that Chexsystems remove any mention of this until the court systems works this out. I also requested a copy of the Account Agreement where the money was withdrawn and XXXX XXXX XXXX  refuses to provide it to 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 2020-10-27 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked XXXX plane tickets using my Chase credit card with XXXX XXXX XXXX round trip XXXX to XXXX XXXX leaving XX/XX/XXXX, returning XX/XX/XXXX. The flights were cancelled. I have contacted Chase on the following dates to get my refund : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was initially told my refund would take 10-12 weeks, then on XX/XX/XXXX was told 45 days ( which would have been XX/XX/XXXX ), then was told on XX/XX/XXXX that they would request again, and told the same when I called XX/XX/XXXX and then XX/XX/XXXX. Each time I was told they had contacted the airline but they were backlogged and unable to process my request. It was then suggested that I could try disputing the charge with Chase 's dispute department but when I attempted to dispute the charge I was told too much time had elapsed for a dispute. I just want a refund for a flight I never took. I believe my credit card company owes me this refund. Thank you. ( I have also filed a complaint with the US Dept of Transportation but have not heard back ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX on behalf of Velocity Investments in XXXX. In XXXX, I called XXXX XXXX XXXX to ask for validation of debt. They continued asking me if I was going to make a payment or setup a payment plan. I told them I have no money. The Rep told me they were going to relay this info to Velocity and when my situation improves, I can call to set up payments. In XXXX, I get served with papers saying XXXX XXXX XXXX / Velocity Investments is suing me for the debt that was discussed over the phone in XXXX. No other notice was sent to me about this debt and there were no indications that they were going to sue.

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 2020-10-27 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. 
They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XX/XX/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 2020-10-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to Equifax ; XX/XX/XXXXand XXXX that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I applied for a Synchrony Carecredit account and was approved in XXXX of this year. I was told in all advertising and promotional materials I have received from the company that the card was accepted " at over 225,000 enrolled healthcare provider and health-focused retail locations across the country '' which why I applied for it. I just found out today, XX/XX/2020, that my card is only accepted at dental providers. I didn't know this, nor was I told this when applying for the card. This is also a complete contradiction of all promotional and advertising materials I have received and seen from the company. I am told I have to apply for another card that will function as advertised.

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 2020-10-27 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-10-27 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: CA

Complaint narrative:
Well close story short story, someone dead frog on my name and open a fraudulently account which was sent to collection eventually. The Account yes its been open since XXXX and Ive been disputing the account with experian since XXXX. Im very upset because I have done everything they asked me for, a file that identity Theft report on identity theft.gov. XXXX XXXX and XXXX  already removed this account from my credit report but for some recent experian its not able to remove it even though I provided all the information they asked me for I even called them several times and they been very rude on the phone I just dont know what to do anymore.

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
I recieved a collection notice didnt have comed since 2007

Company response to consumer: Untimely response
Consumer complaint received 2020-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL

Complaint narrative:
My XXXX institution, XXXX XXXX, is the loan servicer for my federal Perkins student loan and they contract with Heartland Educational Computer Systems , Inc. ( Heartland ECSI ) for the billing and electronic processing of loan payments. Last year, I applied for and was granted forbearance for this loan, which soon coincided with the coronavirus pandemic and the Secretary of Education directing the office of Federal Student Aid to suspend loan payments and stop collections on defaulted loans in XX/XX/2020. Since this relief was extended to the end of XXXX, I assumed that I would not have to make payments on my Perkins loan until then. That has been the case for my Stafford loan, which is managed by a different loan servicer and is not collecting payments unless I choose to. 

However, in XX/XX/2020, Heartland ECSI ignored the directive from the Secretary of Education and sent me a billing statement once my forbearance expired. Nowhere in this statement did it mention COVID-19 relief or any messaging consistent with the Department of Education. It was as if the pandemic wasn't happening at all. 

I made a good faith assumption that this was an error from an automated system, so I ignored the billing statement and waited for a notice from Heartland ECSI explaining their mistake. Instead, the billing statements kept coming for XXXX, XXXX, and now XXXX. Heartland ECSI is now sending threatening past due notices, saying, " It's important to act now. If you don't pay the overdue amount on your Federal Perkins Loan or contact us within 15 days of this letter, we'll proceed in collecting the full amount of your loan plus late fees, interest, collection costs, and attorney fees. '' Once again, this notice did not mention COVID-19 relief and is in direct violation of the directive to suspend loan payments and stop collections. Based on the billing statements, they are also charging 5 % interest instead of the 0 % interest rate that the Department of Education had mandated for the rest of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-10-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to XXXX ; Experian and XXXX that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-10-27 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: CO

Complaint narrative:
In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.

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 2020-10-27 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: CO

Complaint narrative:
In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.

Company response to consumer: Closed with explanation