vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 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: PA

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Customer paid me for an order through PayPal, this was the fourth order customer had paid me for, all increasing in value. He stated he did not receive the items and filed a dispute. Upon investigating with my distributor and also XXXX, it was proven that the items were indeed delivered. I had spoken to PayPal and they had sided with me, resulting in my initial win of the case. Shortly thereafter, customer did something resulting in him re-winning the case and me losing out on {$1100.00}. I do not make much money on these orders, maybe 10 % if I am lucky. In this case, PayPal pulled money out of my account, made it negative and I also was not reimbursed anything for the product. PayPal then shut down my account and blocked me from logging in, so I would not be able to pay my PayPal credit bill with them. I was just forced to pay a past due balance of {$890.00} with them ( {$200.00} or so was paid a couple months ago ) so I can pay my credit card payment with them and not default. I tried to call PayPal to pay my bill and was automatically routed to a debt collection agency and was told " sorry, this is a catch 22, you can't pay your bill until you settle up with PayPal. Unfortunately you also can't use any part of the account unless you pay in full. '' So of course, I was forced to paying the entire bill at once so my credit isn't hurt. I am so frustrated that it's so easy for consumers to take advantage of a business and the companies you PAY to handle the merchant processing just XXXX you in the end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never filed this bankruptcy. Please investigate 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
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I don't know why I'm being charged for a student loan from a school I never attended. I was never enrolled into a class there's no proof of any type of transcript, grades or work I've done. There's no proof of the teacher and or a class I don't know how they got my social. I recall calling to inquire about the program but I never made a payment to sign up for the program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 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: FL

Complaint narrative:
I never filed this bankruptcy. Please investigate 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
Consumer complaint received 2019-11-25 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: FL

Complaint narrative:
I never filed this bankruptcy. Please investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Contacted Bank of America ( BofA ) on XX/XX/2019 and requested a copy of all my XXXX activity since its inception in XXXX, or whenever it was first introduced to customers. What I am looking for is a breakdown of transactions that were canceled, marked as paid, or expired. The representative told me, Ill get the information in 7-10 days. I received an email from BofA on XX/XX/2019 informing me the case was closed because they were unable to complete the request. I called BofA to follow up on the email on XX/XX/2019 and was informed by the rep that it was closed because the case was handled in the wrong department. The rep from XX/XX/2019 informed me she would submit two new requests and I should have the information in a few days. On XX/XX/2019, received a letter from BofA informing me one of the requests was closed and the information requested can be found on my monthly statements online after I explicitly told all the reps I spoke with that the statements do not provide me the details I am looking for. I called BofA for a third time on XX/XX/2019to follow up on the letter received and was told by a supervisor that I needed to contact XXXX to get the information. I called XXXX and was informed that BofA is incorrect and they should be providing me with the information. The XXXX rep conferenced in BofA and informed them that they are to provide me with the information. On XX/XX/2019, I spent 2 hours on the phone with BofA being transferred to different departments and still no one is willing to provide the information I am asking for. On the last transfer, I spoke with another supervisor named XXXX, who in my opinion was rude and not helpful. Ive explained to everyone Ive spoken with that BofA transfer and request activity on their website will only allow me to view the last 6 months of activity. XXXX informed me he could not provide what I was looking for and needed to go a branch. I informed him that was unacceptable as I have made multiple calls since XX/XX/2019 and no one ever advised me to go to the branch. He attempted to try to transfer me for 5th time and I declined. Informed XXXX that I would like to make a complaint to the CEO or higher up executive and he provided me with XXXX XXXX email address. After review of the BofA website, it appears the Chief Client Care Executive name is XXXX XXXX and not XXXX. 
Financial institutions are required to keep records for a minimum of 7 years, and it should be this difficult to get the information I am looking for.

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 2019-11-25 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: PA

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately.

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 2019-11-25 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: PA

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately.

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 2019-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER email from synchrony bank, synchrony bank automated phone system won't connect to a live rep for anyone including credit card support lines. After digging through a few synchrony bnak issued credit card numbers I was able to reach a live rep to tell me its a systemwide glitch. Alot of hours wasted thinking there was fraud on my account. 

Official Secured Message Resonse Dear XXXX XXXX XXXX We value your business as a Synchrony Bank customer. Synchrony is currently investigating an unplanned customer notification that is affecting some consumers. We are currently investigating the root cause and we apologize for any confusion. You do not need to take any action at this time. 

If you have any additional questions or concerns, please feel free to contact a Specialist at XXXX. 

Thanks again for choosing Synchrony Bank. 

Customer Service Representative -- - Original Message -- - From : " XXXX XXXX XXXX '' XXXX Received : XX/XX/19 XXXX XXXX  EST To : XXXX Subject : General Service I  attempted contacting you by phone, but the call keeps getting disconnected by your automated system. I got this message by email & amp ; quot ; A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER & amp ; quot ; in my email, I do not have an amazon creditbuilder account, neither do I have a credit card with amazon. Help please!

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 2019-11-25 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, my credit score as reported by XXXXXXXX  on behalf of Transunion was XXXX. Today, my Transunion score dropped by 108 points to XXXX. The only reported change to my credit report was that a hard inquiry from two years ago had dropped off. There is no further explanation for the drop and hard inquiries being removed SHOULD reflect positively on the report. Transunion lacks transparency when reporting scores and with an over 100 point drop over night, you would assume they would provide explanation as to why the change occurred ... however, silence on Transunion 's end.

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 2019-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
Our mortgage loan was on auto draft with my previous mortgage company. The mortgage transferred in XX/XX/2019 to this mortgage company and hasnt been auto drafted correctly since. I have had to call once or twice every month to make my payment. I have had nothing but problems since my loan has been with them. They also try to charge me a service fee for calling in to make the payment they should have auto drafted. Now they say I am behind on my payments but I have been calling every month since XXXX to make my payment. They now wants me to make a payment and a half so that the auto draft will start working correctly. This company is a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received several emails from synchrony bank stating that a trial deposit was sent to my amazon credit building account I dont have any amazon credit building account and when I tried to call the 866 number it was invalid. When I did get a hold of someone at customer service they said it was sent out by an error.concerned about what else they might send out in error

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 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is a follow up to Complaint XXXX. I contacted the company today and discovered that they did not credit me with my XX/XX/2019 on both mortgages. We were hacked before XXXX, it looked like the usps got mixed up or something, but when I talked with them today, they tried to say it was XXXX and XXXX XXXX but finally, we figured out it was XXXX. After the first rep, I checked my bank account and both payments were sent to SLS electronically {$1200.00} on the first mortgage and {$280.00} on the second sent XX/XX/2019 and they processed it XX/XX/XXXX. They do not show they received it, so I emailed and faxed them a copy of the bank statement after talking with their second rep. So from XX/XX/2019 they have been reporting us late on our credit reports and charging extra and since the above complaint we received a notice of default and intent to foreclose. I also sent them a copy of the law that states that the postal stamp is considered the date received, not when they process it. Thought you would need the additional information. Could not download bank statement confirming because it is in pdf format, but can fax to you if you send me a fax or email, if you would like 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
Consumer complaint received 2019-11-25 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, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-11-25 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ceannate
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1997 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FMS SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious  FMS SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in  the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1997 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation