vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I moved from XXXX  to XXXX. I needed an entire house hold of furniture. I obtained several credit card loans from store credit cards. Guitar center, XXXX XXXX and Ashley furniture. I have paid all my minimum payments on time have not been late. Im in need of furniture for my son and I realized they cancelled all my credit cards with no notice. I have two mistakes that are being fixed and they said due to high balances when the balances are less than when I first got all accounts. Also I was lied to from Ashley furniture about paying off the balance by a certain date. They added all the interest and did not give me the opportunity to pay it off. No letter was sent. Also I cancelled 2 damaged chairs from city furniture and they did not credit back the card. There fore making my balance {$450.00} higher. I cant get anyone to assist I went into the store and contacted the customer service XX/XX/2020 and ended getting hung up on while she tried to transfer me. I want my accounts open why should I pay them if they did not keep their part of the bargain. I have a XXXX XXXX they did not close my account! This company I feel is discriminating against me. Im going to look into other rights I have to take measures against them. Especially during a pandemic how dear they treat customers this way.

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 2020-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Account Limitation I have been with PayPal since it's inception and have faithfully remained a customer, that is until XXXX, 2020. A tenant of mine couldn't get out due to the COVID-19 lock-down so they paid their rent money to my PayPal account. PayPal flagged my account as " suspicious activity and put a hold on my account. 

This is the message I received : Your account access is temporarily limited. 
Some of your account information is shared with an account that has a problem. Please resolve the issue in the impacted account. If you have questions or know this other account isnt yours and need to appeal, contact us. 
We need you to take action on your account. Some features in your account will be limited until you perform certain tasks on your account. You will be able to regain access to these features once you've completed these. 
If you're unable to submit the required information by XX/XX/2020 or if we notice additional changes in your account activity, your access will be further limited. 
Oh, yes, my account has been further limited ... ... 

I went to the resolution center and followed the instructions. 
1 ) Change my password. I did so reluctantly. 
2 ) Submit a photo ID : I did so reluctantly. Photo ID : accepted.

3 ) Submit a bank statement. I did so reluctantly.

Statement pending review. 
My bank statement has now been pending review for 2 months!!!!!! I have called every number listed for PayPal, I have sent messages to PayPal and I have received no response yet. I have written the governor of California asking for anything that might help me gain access to literally thousands of dollars in my account that I sincerely need. All I get is recordings that state " due to the corona virus, customer service has been closed. Really??? I am at my wits end..Can anyone help me out here? Please. 
The Paypal corporate office phone number is : XXXX For customer services, you can call : XXXX XXXX XXXX For sales support, call : XXXX. 
However, no one will answer and you can't leave a voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have reached out to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX for verification of alledged debt. This debt is reflecting negatively on my credit report and I am requesting to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NY

Complaint narrative:
There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC 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 2020-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MONEY SOURCE, INC., THE
State: NV

Complaint narrative:
I simply want my perfect mortgage payments made to The Money Source to be reported on my credit report. 

Back History : It took 2 years to assume my father 's VA loan from The Money Source after he passed away. I did everything to assume the loan, The Money Source sent out a notary to my house and just failed to put me on record on the loan. I had spoken to at least 30 people at the Money Source and after 2 years nobody could help me. I contacted the CFPB in XXXX and within 1 week the loan was finally put in my name. 

The request : I asked The Money Source since I have been paying the mortgage for 2 years could they please report that to the credit bureaus. They said no because the loan wasn't in my name - which was what my 2 year battle was all about! They said starting XX/XX/XXXX the loan will be in my name and it will start reporting. I waited until XXXX to call when of course it wasn't reporting. I spoke to XXXX, she spoke to a manager who said she would investigate. I informed her that I have a 2 year history of nobody calling me back from The Money Source and she scheduled a time to call me back. The next day at XXXX XXXX. Of course I did not receive a call so I left her a message and of course never heard back. On XX/XX/XXXX I called again and reached XXXX who also said they needed to investigate and they would get back to me and of course again they didn't. I have now made 6 payments in my name on time and I know my only hope to get this reported is to contact the CFPB. Mortgage payments really boost a credit score, is it fair that they get to decide what customers they give credit to and what customers they can ignore?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CA

Complaint narrative:
I tried to contact the Dispute Dept of JP Morgan Chase Bank on XX/XX/2020 XXXX XXXX PDT to dispute a charge on my credit card, I was transferred to the Dispute Dept and was put on hold. Their phone system told me I only needed to hold for 15 munites, but turn out after 1 hour 20 munites, still no one picked up my phone. They just put people on the phone forever and let the stupid music run for hours to fool customers and drain their blood and spirits until they all got exhausted. So abuse! By the way, I am XXXX XXXX in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NY

Complaint narrative:
There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC 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 2020-06-09 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: NY

Complaint narrative:
There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: OK

Complaint narrative:
In XXXX of XXXX I had procedures done with XXXX XXXX XXXX within the XXXX XXXX of XXXX XXXX. At the time, I was under the impression I had 100 % coverage with my insurance company, XXXX, and was not charged or billed for services. Later, we discovered an issue with my insurance coverage and I was billed by XXXX XXXX and XXXX XXXX XXXX. I have paid off a collection with a separate company and am working to pay off the " bad debt '' within the XXXX XXXX for these services. 

While I was working with the XXXX XXXX to get documents to help provide medical assistance for these charges, it was reviled that no entity can explain why I have a balance of {$1600.00} from the debt collection agency of Frost-Arnett. The medical assistant at XXXX  for XXXX XXXX XXXX shows charges billed thorugh XXXX XXXX however they do not show any charges associated with " XXXX at XXXX. '' The billing department for XXXX XXXX can not find any documents that show other charges or any amount being sent to collections. I was told by the XXXX office on XX/XX/XXXX that the entity is no longer in existence. I can not even find information for " XXXX at XXXX '' on a simple XXXX search. I have NO WAY of being able to verify, dispute, or even review these charges that Frost-Arnett is trying to hold me responsible for. 

When speaking to customer service with Frost-Arnett, I spoke to their assistant XXXX   on XX/XX/XXXX. The only information they have on file is a date of service for XX/XX/XXXX with no doctor listed, only the company " XXXX at XXXX. '' I asked for contact information for this company, so I could review itemized charges. They have NO contact information to give me. They are " not allowed '' to contact the company on my behalf. I confirmed with the assistant who works with Forst-Arnett Customer Service over-the-phone that there is NO way for me to see what I am being charged {$1600.00} for. There was no solution offered to me. 

I am at the risk of my credit being ruined, over charges from a debt collector who can not tell me any information. This company can not tell me what I am being charged or who I can contact to find out why. I am being asked by Frost-Arnett to blindly send them {$1600.00} with no information. I have no way to contact this " XXXX at XXXX '' and the physician that performed the procedure has already billed me separately and has no record of this extra charge. The attached document is THE ONLY peice of information I have and the ONLY information aside from a date of service that Frost-Arnett can provide me as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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:
Final request to remove all unauthorized inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.Please remove the following unauthorized inquires which I listed in Identity theft. 


I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. 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 2020-06-09 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:
Final request to remove all unauthorized inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.Please remove the following unauthorized inquires which I listed in Identity theft. 


I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. 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 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
I opened a checking account with M & T Bank and have been unable to obtain an online account. I was not supplied the proper information in order to open my online account and I called twice and no one know how to direct my call or rectify the situation. 

I have since tried to close my account and have called 3x and was told I need to get the balance to zero. Once I was able to get the account to zero, they said the charges are pending and now there will be a service fee while I wait for my account to get to zero. I am being charged for an account I have not had full access to or been able to use. Customer service has not been able to help me. I would not have incurred these fees had the account opening been properly managed and there had not been unreasonable requirements to close it. I do not know how many fees I paid since I do not have access to my account. 

I would like my checking account closed immediately and all funds reimbursed via check for all fees paid to date. I do not believe I should have to pay an account closure fee or future fees because the account was never fully opened and functional for 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 monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX, I refinanced a loan with BECU from another local credit union for a vehicle I bought used in XX/XX/XXXX and purchased full insurance coverage for my vehicle through a national insurance carrier from XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, I received a Final Notice from the bank to provide Proof of Insurance for my vehicle. BECU outsources this work to a company called " XXXX '' to verify Proof of Insurance or I would be charge an insurance premium of {$3800.00} if they do not receive proof of insurance by XX/XX/XXXX. 

On XX/XX/XXXX, I provided my proof of insurance through XXXXXXXX XXXX   website ( XXXX ). Though the Final Notice was missing a critical piece of information to provide my insurance cards. I did not have a reference number in my notice. 

I was able to submit my insurance cards through XXXX 's website and received email confirmation on XX/XX/XXXX that my insurance cards for coverage between XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX In addition to submitting information to myinsuranceinfo.com I also called into the BECU 's insurance center to ensure they will receive my proof of insurance. The Customer Service Agent was able to confirm with my Agent that I had insurance coverage between XX/XX/XXXX - XX/XX/XXXX. However, in XX/XX/XXXX I had also moved from XXXX State to XXXX so the BECU Customer Service Agent did not want to wait on the phone for my Florida Insurance Agent to confirm that I had proof of insurance from XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, I received notification that my loan was charged {$3800.00} for insurance coverage. I called into BECU 's Insurance Center and they told me they were not able to help as they outsourced verification of insurance to XXXX. 

I called into XXXX 's customer service line and their Customer Service Agent told me they just processed my proof of insurance on XX/XX/XXXX. 15 days after I submitted proof of insurance. 

I do not think it is a coincidence that my proof of insurance was processed on the same day as my deadline to provide proof of insurance and I do believe there is foul play either or both at XXXX to collect insurance premiums or BECU to collect additional interest from the increase loan value.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: WA

Complaint narrative:
I have requested all three credit reporting bureaus for the dispute on my credit reports. I have a mixed credit report with my brother so I sent all documents needed for the dispute. It has been more than three months since I submitted the request via mail. XXXX already made an dispute but I have not heard anything from Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC will not allow me to link my bank account to the XXXX stock program, and I was directed by XXXX to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a call from a number identifying themselves as a representative of XXXX XXXX XXXX XXXX asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with XXXX XXXX sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed XXXX XXXX an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as CBE Group trying to collect the same debt. I am initially concerned that XXXX XXXX is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put XXXX XXXX on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with CBE, taking additional time and money. 

This complaint was further motivated by a call I just received today ( XX/XX/2020 ) from an individual identifying them self as a representative of CBE from phone number XXXX XXXX. This individual began trying to confirm my identification by listing part of my social security number and address without first confirming my identity. I told him that I was uncomfortable continuing the conversation and that all future communications should be by mail. I am VERY concerned that my personal information is being misused and may easily fall into the hands of others. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, my personal information is potentially being compromised, and I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.

Company response to consumer: Closed with explanation