vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: GA

Complaint narrative:
XXXX XXXX XXXX reported as a charged off account with balance {$4000.00}. account opened XX/XX/XXXX, XXXX this account was paid in full and is being reported incorrectly. This account was reported twice the second time correctly, when disputing through equifax, they removed the correctly reported account. I have contacted Equifax and XXXX XXXX to correct this error to no resolve! This is a severe error and now is showing 28 months worth of charge offs!?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to BMW FINANCIAL SERVICES, yet BMW FINANCIAL SERVICES is not removing this fraudulent account. BMW FINANCIAL SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BMW FINANCIAL SERVICES Bank has refused to do this. The following is the fraudulent account : BMW FINANCIAL SERVICES XXXX which was open at an address which I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
the Creditor XXXX XXXX XXXX  XXXX XXXX Has been trying to collect {$3100.00}. from XXXX for unpaid rent for an apartment that my father had leased. My name is not on the renewal of the lease and I did not live there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: MN

Complaint narrative:
XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called XXXX ( XXXX ) XXXX XXXX XXXX. These 5 claimes are for each lender that XXXX " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX XXXX  refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX XXXX. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. XXXX continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this XXXX  attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a trust portfolio of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to XXXX to to fraudulent activities on XXXX side. XXXX was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. XXXX also has XXXX XXXX  listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that XXXX has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing XXXX to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  XXXX was designated as soon as I filed for bankruptcy and XXXX was privy to me fitting to discharge my loans. Transunion, XXXX, XXXX  wont take anymore disputes. There is always an error that happens that im informed of. XXXX has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. My bankruptcy was just closed, so it currently shows that the accounts are closed, but they are kn fact still open, and XXXX refuses to correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MCM ( I have no idea what bank that stands for ). Keeps calling looking for someone that is not me. For months and months and months. They have repeatedly told me they are not going to call anymore but continue to do so. XXXX XXXX was the latest employee to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am being charged late fee 's on my Lowe's/Synchrony Bank credit card . I did call customer service and they can not reverse all the late fee 's. I entered into a contract to have a fence installed. I was given a promotional offer of 84 months fixed payments and deferred interest on the fence installed which was contracted XX/XX/XXXX. I make my payments on the first of each month and each month I am being charged a {$40.00} late fee. The first fee I was charged was {$29.00} back in XX/XX/XXXX and they took that off. Then I started to receive late fee 's in XXXX and XXXX. I contacted customer service and they told me they could only reverse on of the {$40.00} as a courtesy. I was told that I was paying my bill before the billing cycle of each month. Since when is paying your bill before the billing cycle considered late? I do it with all my bills and never had a problem. 
XX/XX/XXXX I paid {$130.00} and was charged a XXXX late fee XXXX XXXX. 
XX/XX/XXXX I paid {$130.00} and was charged a XXXX late fee XX/XX/XXXX XXXX XXXX I paid {$130.00} and I will be charged a XXXX late fee on XXXX XXXX. I am retired and on a fixed income. I get my pension on the first of the month and that is when I pay all my bills. I paid them {$1000.00} on XX/XX/XXXX and wasn't charged a late fee. Also, I am being charged interest every month and the interest is supposed to be deferred. Any help would be appreciated.

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 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
To whom it may concern I am communicating with you due to a debt that you are trying to collect and whose debt is not mine I was a victim of identity theft and I do not recognize that account as mine I have not asked or authorized to open that account in my name. Please open an investigation if necessary, due to those accounts opened without my authorization, I have contacted CFPB to help me solve this problem. 
XXXX  XXXX XXXX  {$6100.00}

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 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
OnXX/XX/XXXX westernUnion received a request for two wire transfers for the exact same amount of {$950.00} each. Although the website told me that those transfers did not go through along with three or four other transfers in other amounts they all did not go through. On the XXXX I started dispute of both wire transfers in the amount of {$950.00} each. They were able to settle One of the two identical accidental wire transfers, but still have been able to handle the second of the identical wire transfers. They have settled transfer with tracing number XXXX in the amount of {$950.00} has been returned to my XXXX XXXX  account. For the identical wild wire transfer tracking number XXXX in the amount of {$950.00} they have not been able to settle this account. Theres no reason for them to hold onto my money. I work hard for my money. I have bills to pay. I have XXXX children to feed. {$950.00} might not be a lot to the people at WesternUnion its a lot to me and my family. There has to be a standard kept in business they shouldve been able to handle both of these wire transfers that were never supposed to go through in the beginning as this was all handled on the WesternUnion website somehow through the website it said that they were not gon na go through and then somehow the next day they actually did go through. On XXXX started the process with both of the identical {$950.00} wire transfers and canceling and starting a refund. Theres zero reasons why both couldve been handled the exact same time the exact same way. I do not know why they would treat a customer with such a disregard especially a company such as WesternUnion where the whole reason why people use them is so that people can send money and its a wire transfer of cash it goes immediately. I couldve flown to XXXX and back now and pick the money up! I find this to be unacceptable business behavior. There must be a standard that business is held to especially a business such as WesternUnion who has international dealings

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX which was open at an address which I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX which was open at an address which I have never lived at and it has nothing to do with 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 non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid off my mortgage with SunTrust Bank on XX/XX/2021. I still have not received my escrow refund as of XX/XX/2021. I called and they pulled the " check is in the mail '' routine and said it must have been lost. They then said I have to wait 30 days for them to reissue a check. I then called after 30 days and they said it would take another 10 days for them to process a new check. This means best case scenario, I will receive my refund around XX/XX/2021 a full 60 plus days after paying off my mortgage loan with them. They are holding my money hostage - please help!! 

Thank you, 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 explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My XXXX payment to the company was not posted correctly and I have had major problems ... after NUMEROUS calls to rectify it ... .it is now XXXX and the problems are STILL not corrected..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: TN

Complaint narrative:
Equifax and XXXX  should not be reporting a collection/chargeoff or that I am ( 120 ) days late on the XXXX XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have attached a copy of my drivers license and SSN for identification purposes. ) I contacted XXXX XXXX and the representative I spoke with could not verify my name ; address ; phone number ; email or find any account number associated with my name. I requested they contact the credit bureaus and remove these items from my credit report. I was assured they would contact Equifax ; XXXX  and XXXX  and have these items removed however, this has yet to happen. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff and lates is seriously harming my credit score and these line items need to be removed. I have also contacted the bureaus to remove these items but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX we transferred to Bank America Credit Card Account {$8700.00} from our checking account the amount above to pay the full balance of our credit card bill. Previously by phone we talked with the credit card company telling them we were going to do this. At that time we were advised that we had Bill Payer on the account and she walked us through cancellation of this Bill Payer pricesss. on line and we were told it was cancelled. That left a XXXX balance on our credit card account. On XXXX XXXX, Bank XXXX XXXX went into our checking account and exxracted {$88000.00}. This amount shows as a credit on our Bank of America Credit Card Account. This left us overdrawn in our checking account. On XX/XX/XXXX, we notified BA about this error. They said it was a clerical error on their part and it would take 5 working days to replace the money in our checking account. We did not receive the money in that time. We were then advised that it would take 10 days. We did not receive the amount again and we called and I was told that we would be refunded on XX/XX/2021. We were told at this time that they held the money in case something went wrong with the transfer of the {$8700.00} which was already in their account. I can not believe this is legal. My bank has been very patient since we have no money in our account at this point. We are an elderly couple in our 80s and do not have a lot of money. Pleased help us. Since all of this the amount of money in the Bank of America account has changed. On XX/XX/XXXX reimbursement amount was {$8600.00}. On XX/XX/XXXX it was to be {$8700.00}. This to me is taking advantage of the elderlly. I certainly know that if we were late in paying Bank of America we would pay big consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: OH

Complaint narrative:
The credit card issuer collected my deposit of XXXX at the opening of my account. 90 days go by and they tell me I only deposited XXXX and had a credit line of XXXX. But this is incorrect. I has a credit line of XXXX and made multiple payments each statement. They never accurately reported my payments and then closed account. I never received my deposit and they continued to report on my credit for 4 months after closing the account late payments on a supposedly closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I filed/opened a claim with www.paypal.com for a merchant/seller/company ( XXXX XXXX XXXX XXXX XXXX XXXX ) sending me a damaged product.I ordered the XXXX and a carrying bag.The total was $ XXXX.I sent several pictures for proof to the seller and paypal that the XXXX arrived damaged.I also asked the seller and paypal if I could just send the XXXX back for a refund and paypal refused to help me for the first time in the many years I have been a customer.Paypal said they need this complaint filed to validate the transaction/claim to move forward with my claim which they have never ever done and is highly suspicious behavior from paypal.I am asking {$52.00} refunded back to me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Yes i have been scammed by certain individuals on an XXXX  online store i have bought stuff in the past but not from them. XXXX  XXXX  is the XXXX i purchased a XXXX for a cheap price because they supposed to be selling alot so they giving it to the less fortunate but it was mistakes they just persuade me and very clever when u read the conversation but basically i complained to XXXX XXXX and my own bank santander and they didnt help just denined me which makes no sense when i have evidence and multiple explanations so i shouldnt see why i didnt get a reimbursement which i should get after this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

XXXX XXXX : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus Equifax XXXX XXXX and XXXX XXXX I have not heard anything back about these negative inquiries are derogatory creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This involves Paypal. They are insistant I have an account with them and I DO NOT. They will not leave me alone, keep sending me documents that I have no idea what they are. Please, I want them to leave me alone and investigate themselves as I feel someone has used my information for their purpose. I do not have an account or account number for them.

Company response to consumer: Closed with explanation