vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: Windham Professionals, Inc.
State: UT

Complaint narrative:
WYNDHM is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see WYNDHM report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that WYNDHM please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.

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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I refinance my mortgage with Amerisave the mortgage company. 
I was provided the wrong loan number in XX/XX/2020 to make payment on my mortgage. The payment I made was for the amount of {$5200.00} that includes for two months of payment XXXX payment and XXXX payment. The money was misapplied to the wrong loan number, in XXXX XXXX, money was electronically taken from my account via bill pay, the money was applied to the loan number of XXXX, my actual loan number is XXXX. I have called numerous of times I have sent proof of payment, my bank have also sent proof of the transaction and the bill pay receipt. My mortgage company refused to fix the problem, they continue to charge me for the two months that I have already pay for, I just hope that someone could help me in this situation. I have submitted the bill pay receipt and my account transaction activity.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, Equifax is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for Equifax to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/21, I received my 1st deposit into my XXXX account from XXXX of DEED the 1st deposit was for {$470.00}, and the second for the fed unemployment {$300.00} for a total of {$770.00}. Within 10 minutes of that deposit being made Chase ( JPMorgan ) unauthorized hacked into my XXXX account, initiated a link with my XXXX account and transferred the entire deposit to themselves. I haven't had a Chase account in over 8 months. My account was closed and Chase still has over $ XXXX of my money, tied up in disputes. I saw the email I received from Chime that Chase watrying to link the bank, however when I look on my side - Chase IS NOT a linked account. I looked on my account online and saw it suddenly had a XXXX balance. I contacted XXXX immediately, explained that this was an unaurhoeized transfer and it needed to stop which they did. However, unknown to me, after 20 minutes Chase came back in and this time took {$500.00} from the account which I noticed this morning and tried to stop it but couldn't stop it, so I files a dispute against Chase to get the money back. I'm a XXXX XXXX XXXX disables woman living on XXXX and unemployment ( having to look for work to pay bills and get my medicines ). I can't afford to tose {$500.00} to a bank I no longer have an account with and they owe ME money!!! Chase needs to be help accountable for unauthorized withdrawals!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank Employee I spoke to : XXXX Employee IDXXXX 1. We called this morning in order for my husband to add me as a " XXXX '' XXXX only inform us of the things I am NOT able to do. 

2. We also called to make a payment towards the principal, which XXXX to told us if we made a principal payment on the phone, they will charge interest. 
This is not fair. I am making a payment towards the principal. 
XXXX gave us an option to mail-in the principal payment to and address in XXXX Georgia and I will avoid paying interest. It's the same situation by the time it takes to get to XXXX Georgia from California. plus is theres still a CHANCE our payment gets " lost '' in the mail. 

3. XXXX also mentioned our principal payment could get tossed out!!!

4. We have yet to receive our first monthly bill.

5.This my second complaint with this company in the same month.

6. theres no place where I can check the status of my account online.

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 2021-04-29 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: GA

Complaint narrative:
This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. 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 non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Data furnisher have corrected issues that the credit agencies been refusing to fix since XXXX i have a reported bankruptcy on my report that is to be deleted ASAP as this has been very damaging to my account I have sent documents numerous occasions to non responses which is a violation the FCRA guidelines this is the final dispute before I consider obtaining legal counsel to handle the matter please ensure that this is deleted and updates are reflected on my report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Data furnisher have corrected issues that the credit agencies been refusing to fix since XXXX i have a reported bankruptcy on my report that is to be deleted ASAP as this has been very damaging to my account I have sent documents numerous occasions to non responses which is a violation the FCRA guidelines this is the final dispute before I consider obtaining legal counsel to handle the matter please ensure that this is deleted and updates are reflected on my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I had a wire transfer fraud on my account and I did not authorize this activity. I bank with Chase I immediately filed a claim on XX/XX/XXXX. The fraud department that handles wire transfer fraud told me they are sending out a packet to my residents. When I receive this packet I must fill out and return. 

My local branch manager was assisting me in this claim and ask for the department to these document via email. The department said this a a packet we need to send to the client which is me via mail. 

I waited over one week to receive this packet and I have received nothing. The day is Saturday XX/XX/XXXX XXXX after waiting on hold and being transferred to multiple departments I ask a customer service representative may I speak with a manager. I get sent to XXXX in escalations department. I tell him my situation he notifies me that a branch manager can upload the document and I can fill the affidavit at a local branch and he can fax it. 

I drive straight to my local branch and I let the branch manager know what XXXX told me. The branch manager  calls Escalations department and ends up talking to XXXX the same person I finish speaking with 10 minutes ago. The branch manager said the client is in the branch. XXXX walked the branch manger through the process he printed out the affidavit I fill out the document and the branch manger fax it straight to the Fraud department and deals with wire fraud. 

The day is XX/XX/2021 I speak with a representative from the fraud department and he lets me know the decision will take 2 to 3 business days. I call after the 3rd day I am on wait so long that an automated message tells me to call back. I call the branch manger that has been helping me and says it will take 6 to 7 calendar days but no decision. 

the day is XX/XX/2021 no update and all I get is the department is backed up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 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: AZ

Complaint narrative:
Sent in a dispute letter over 45 days ago to the bureaus for unverified, erroneous accounts. I have yet to receive any validation from the bureau nor creditor of validation of accounts. I request these unverified accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: GA

Complaint narrative:
This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX/XXXX  US SM BUS ADMIN ODA XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. 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 2021-04-29 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: GA

Complaint narrative:
This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
Experian is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there. 
XXXX is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on 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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked the credit bureaus to update my XXXX XXXX # XXXX account. This account is not in deferment and should be reflecting my full payment history. I have not missed any payments. There are several months of missing payments. Because my monthly payments are not reporting it's affecting my credit score. All 3 credit bureaus have almost a year of missing payments.

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 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: PA

Complaint narrative:
For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : Credit Control LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. Credit Control LLC via XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to Credit Control LLC any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.

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 2021-04-29 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: MD

Complaint narrative:
This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO TRANSUNION XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I forgot to attach with the original complaints.

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 2021-04-29 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: MD

Complaint narrative:
This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO XXXX  XXXX ID FOR COMPLAINT SENT TO EQUIFAX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I forgot to attach with the original complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I processed a Payment Amount of {$9200.00} USD through my PayPal account. The PayPal Card Reader did not work, so I entered the credit card number manually. On XX/XX/XXXX, I tried to access the funds, but received an ambiguous Error Screen that the service wasn't available. 

I contacted their customer support on XX/XX/XXXX, at XXXX XX/XX/XXXX, and was told that I needed to provide further information for the transaction. I promptly supplied all of the requested information, and was informed that the funds would be releases within 3 business days. 

I waited until XX/XX/XXXX, tried again, and received the same ambiguous Error message. I contacted Customer Support @ XXXX and was told the team that reviews and approves these transaction was running behind, but that I would be approved within 72 hours and the funds made available. 

I attempted to access my funds on XX/XX/XXXX, and received the same error. i contacted customer support again @ XXXX, and was asked to be patient, and that they were processing my request. The agent, XXXX suggested it would be faster if I simply refunded the amount, and created an invoice. XXXX did NOT tell me that PayPal would, instead of refunding the {$9200.00} they were holding, attempt to take that amount from my personal checking account, nor did she tell me that they would keep the {$320.00} fee. I am now incurring overdraft fees of {$32.00} every time PayPal tries to take that {$9200.00} from my personal checking. 

On XX/XX/XXXX, I tried to contact Customer Support, and remained on hold. During all of this time, I also engaged with Customer Support via PayPal 's XXXX support. They offered no help, and took over 3 hours on average to respond, the longest time being over 12 hours. 

On XX/XX/XXXX, I contacted PayPal customer support again, and had a conversation with XXXX named XXXX ID # XXXX. XXXX was condescending and rude. He told me that they were keeping the fee because I had the money. My response was, NO, I don't have access to the money, because PayPal had never released the funds, to which his response was " I'm looking at it in the wrong way ''. He finally agreed to escalate the situation, after telling me he was the highest authority I could speak with at PayPal. He told me that he would issue a credit of {$100.00} toward the {$320.00} fee, and that the credit would be seen in my account within 24 hours. He also told me that the funds would be released within 24 hours. 

It is now XX/XX/XXXX, and none of the promises that PayPal have made have been honored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 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:
XXXX is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there. 
TransUnion is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on 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