vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
Re : limit permanently my account I am writing to you concerning the email sent on XX/XX/2020 on the part of Paypal, which indicates that my account suspends directly and that I have no right to withdraw my money nor used my account, I have a store whose I work and whose products I sell, they suspended my account for no reason and without any justification, and this caused my business and my sales to stop, I tried to contact support, and no answer, the phone numbers are unreachable, even on their XXXX page, they don't answer I hereby inform you that I strongly contest this decision, and that I appeal the decision in question. 

Pending confirmation of my request, please accept my best regards. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Collection reported by an unknown company and unknown account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Mortgage was transferred to Option One showing a refinance 30 yr. in the amount of {$100000.00}. We never agreed to this in XXXX. 
I have been in contact with XXXX XXXX XXXX Consumer Account Analyst at the Consumer Ombudsman office at PHH Mortgage. The last conversation I had with him was on XX/XX/XXXX and he stated they were still working on it and he would send me a letter when it is completed. The Pandemic hit and I knew they were closed. I waited until XX/XX/XXXX and called his office, there was a message that he was working from home, but I could not understand what he was saying to reach him. I did call the main phone number and spoke with a representative, she would not give me any email or phone number for him but said she would send an email to the office of Ombudsman. I waited on the line while she did this and I was assuming that she was referring to the office there at PHH Mortgage, she told me I should be hearing back within 10 days, this occurred on XX/XX/XXXX. I also mailed Mr.XXXX  a letter on XX/XX/XXXX, thinking that he may check in for any mail. 
So at this point I am at a standstill.

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 2020-06-30 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: MN

Complaint narrative:
On XX/XX/XXXX I had a lease with XXXX XXXX  on a XXXX XXXX XXXX XXXX XXXX that I traded into XXXX XXXX and obtained a new lease through XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX at first reported i owed a balance and was 30 days late to a XXXX lease payment which was incorrect and impossible since I didnt even own the car any longer. 

I disputed the account 3 times through experian and have open disputes with the two other bureaus since XXXX reported my account with them closed, paid but still show I was 30 days late. I have NEVER paid my lease late, ever. Its impossible that I could have been late in XXXX since the vehicle was turned in on 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 non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hi I was trying to connect to XXXX and now I cant because my bank will not allow it. XXXX has been I great help for in the time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and 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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC
State: AL

Complaint narrative:
I received messages on my cell phone from the number XXXX. They also left messages at my job and people from my home town. This took place on XX/XX/2020. The message is difficult to understand. I looked up the number and found out it was Midwest Fidelity. I do not know this company and do not have any business with them. I have not authorized them to contact anyone. I want them to stop contacting me, my job, and anyone else concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC
State: PA

Complaint narrative:
I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. 

ASSET RECOVERY SOLUTION LLC is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. 

Not only is ASSET RECOVERY SOLUTION LLC attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. 

The practices employed by ASSET RECOVERY SOLUTION LLC and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In the week of XX/XX/XXXX, Synchrony Bank lied and said my PayPal MasterCard was compromised after they called me to identify purchases that I made as potential fraud. I verified with them over the phone that these purchases were not fraudulent and were authorized by me personally. Nonetheless, they canceled my card and sent me a new card and expressly told me I did not have an option to keep my old card. The new card they sent me would not automatically link to my PayPal account after it was activated by XX/XX/XXXX, which is the whole point of the card. I now cant access my account statements, see any purchases on my card, or use it to make payments through PayPal. I contacted both PayPal customer service and Synchrony Bank customer service numerous times between XX/XX/XXXX and XX/XX/XXXX and they blatantly lied to me. They each blamed the other company for why it would not link ( neither party took responsibility ). Furthermore, each time I called they would tell me to wait a longer period for it to link. First they told me it would take one day, the next day they told me to wait two days, and the third day they told me to wait three days for it to link automatically ( its been 6 days now and my account wont link ). I also purchased this card because it offers 2 % cashback, but since the card wont link to my PayaPal account I have no way to redeem my cashback rewards for purchases made prior to them issuing me a new card. This means that Synchrony Bank violated the terms of the credit card agreement which is banking fraud. I am not the only customer to experience this, so Synchrony Bank and PayPal need to be held accountable. Furthermore, the new card they gave me expires in XX/XX/XXXX, when my old card expired in XX/XX/XXXX, so they issued me a new PayPal credit card ( without my consent ) that wont link to PayPal and will have to be replaced in less than a year of use compared to 3 years from my old card.

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 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Had a truck loan thru Ally Financial. Paid off my truck loan over a month ago, received my title two weeks ago. They refuse to update the credit bureaus. They update after each regular payment, but when you pay the loan off they say they are unable to update. I've already made several complaints, and have contacted them. They say it's broken, what could be broken. I'm not the only one going thru this problem

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Complaint Description : I am not able to successfully contact anyone from this company. I have been trying for more than half a year to have an item removed. I've been attempting to fix my credit in hopes of becoming a homeowner. I've sent a series of letters to this company as well as disputed my credit issues online. It's probably been over the past 6 months since I've been disputing items. I have no issues with any of the other credit bureaus. Equifax is the ONLY one that I have a hard time with. I have this item from XXXX XXXX XXXX, {$4000.00} that I am trying to remove. By law, Equifax is supposed to delete items if a consumer has not heard from them for 30-60 days. I KNOW it's been over 60 days. I've called them on NUMEROUS occasions with yesterday XX/XX/20 being the most recent. I sat on hold for like an hour until I had to eventually hang up. I've submitted about 3 letters and I've disputed these items online. It has been over 60 days since I've disputed this particular item. Each time I send a letter, a confirmation is sent online, but when I view my dashboard on their page, it doesn't indicate what's been disputed. I can't see a thing. The last letter I mailed was on the first of XXXX, but keep in mind, I still sent letters to them prior to that letter with no response after at least 60 days, so I just keep sending them in hopes of find relief until someone encouraged me to file a complaint with XXXX. This morning I mysteriously received a message from them via email that my dispute has been completed. Well, guess what? The website is down due to maintenance and I can't see a thing. What is with this company? How are they still in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was using my PNC debit card this Monday XXXX to take my daughter to the zoo. I had all of my money accounted for and knew how much I could spend at the zoo. I only bought 1 bottle of water for {$4.00} and there was plenty of money in my account. 

I woke up the next day and saw that my PNC account was somehow overdrawn. They also decided to take all the money out of my savings account, which was about {$240.00} and placed it into my checking account, which supposedly fixed the overdraw. Even after transferring the money they then decided to charge me {$39.00} three times for a total of {$100.00}. 

I called PNC and was put on hold for about 25 minutes. When I finally was able to get a person to talk to they had no clue what they were doing and did not want to help me. I eventually just hung up on them because they were not being helpful. 

I called PNC bank and finally got a hold of someone that tried to help me. I wanted them to explain how I was over drafted and I wanted the fees refunded. They were not able to explain to me how my account became over drawn and they also refused to return the {$100.00} in fees. 

I asked to speak with a supervisor, but apparently, they did not have one available to speak with me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and 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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I need a clarification regarding an international wire transfer I requested on XX/XX/XXXX. In that opportunity I asked, via web, to wire to another account I have in XXXX, an amount of XXXX US . Bank of America collected XXXX $ as fee for the operation and warned that the bank receiving the money might charge XXXX US $ for concept of fees. 

It just happen that the bank in XXXX claims that they only received US {$9900.00} instead of the {$10000.00}, and then they have charged me with 0.6 % fees. I am attaching the swift of the operation for your review. I need from you, information regarding the amount highlighted in yellow, where this money was taken? In US? Is it at Bank of America cloud? If  that is the case, please ask for its devolution to my account in Bank of America. 

I really appreciate clarification of the operation. 

Here I am attaching the swift provided by the bank in XXXX XXXX : { 1 : XXXX } { XXXX : XXXX } { 3 : { XXXX } { XXXX } { XXXX } } { 4 : XXXX XXXX : CRED XXXX, XXXX : XXXX, XXXX : XXXX RRR MMMMMMM YYYYYY PPPPP RRR XXXX TX XXXX US XXXX : XXXX XXXX : XXXX XXXX MMMMMM XXXX XXXX, LLL CCCCCC XXXX XXXX CL XXXX : XXXX POP Family Sup port XXXX : SHA XXXX : XXXX, XXXX : XXXX, - } { XXXX : { XXXX } { XXXX } } { S : { SAC : } { COP : 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 2020-06-30 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: FL

Complaint narrative:
I submitted all of my information over to Transunion to correct the inaccurate information and they have yet to do so. Ive submitted the documents twice and still nothing. They were sent beginning of 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 2020-06-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian refuses to remove a debt on my credit from XXXX XXXX XXXXs off of my credit In 2 different amounts totaling over {$3000.00}. First and foremost Theres no way I could have 2 active rental account for the same property and same times. That is illegally reporting fraud information. I have submitted proof that it is not accurate and I do not owe that company but they refuse to remove it from my account. I have submitted multiple documents proving that the account does not have a balance and it was closed ( moved out with XXXX balance ) in 2016. This is severely impacting my credit and I need it removed.

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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. 

XXXX XXXX XXXX XXXX is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC and XXXX XXXX. Comenity bank furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. 

Not only is XXXX XXXX XXXX XXXX attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. 

The practices employed by XXXX XXXX XXXX XXXX and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.

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

Complaint narrative:
Transunion has had a pending investigation for months on end. I can't start a new investigation or pull reports because of it.

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