vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal contacted me to collect a debt. I did not have any memory of using PayPay, in the amount they claim I owe them, so I asked to have the evidence mailed to me. When I received the records, I immediately knew these were not my charges. I contacted PayPal to advise this is fraud and to open a fraud claim. A couple of weeks later, they called me again to collect a debt. I advised what I had previsouly advised PayPal and these charges were fraud. The person checked the notes in my file, and advised me that the fraud department denied my fraud claim ( without even speaking to me ). I asked to have the claim opened again, and advised them i would be contacting the Consumer Financial Protectin Bureau and asked them to reopen the fraud claim. I was able to log into my account Once and see these are clearly not any activity of mine. I emailed Service @ PayPal to get assistance with this issue, only to be asked to log into my account, but now I am locked out due to it being delinquent. I had asked for assistance, called but can only reach the collections department, and I am not getting anywhere. 
I did not use PayPay, and I do not know an account number. They contacted me via my home phond XXXX, and the email I had at the time was XXXX, however, I have since changed my email to XXXX, and My cell is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I applied to refinance in XXXX with paying {$500.00} application fee. It is almost 5 months but they have not processed my application.

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 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, am the husband of XXXX XXXX, for whom I am submitting this complaint. We subscribe to XXXX XXXX from XXXX XXXX. On XXXX XXXX, 2020, my wife, XXXX XXXX, received a credit alert from XXXX  of derogatory information submitted to the three credit bureaus. It was from XXXX XXXX XXXX, of XXXX, GA, indicated she had an unpaid debt of {$250.00}. The open date was XXXX. On the day we received the alert, I called XXXX, and the responder could find no record of such a complaint or bill in their system, under either my wife 's name or SSN. XXXX is also known as ( XXXX XXXX XXXX XXXX, a subsidiary of XXXX XXXX, aka, XXXX. Neither XXXX or XXXX has any record of an account or bill for XXXX XXXX, by name, address, phone, or email. Nor is there likewise any record of a business account. XXXX  is an internet company, but has no accounts in our home city of XXXX XXXX in our zip code, XXXX. Nor does XXXX XXXX, which was bought by XXXX several years ago. 

Today, XXXX XXXX, 2020, we received another fraudulent charge alert from XXXX XXXX. From XXXX XXXX XXXX, of XXXX, XXXX. I contacted them, with XXXX answering. They had XXXX name, DOB, and SSN. But the address was XXXX XXXX XXXX XXXX, XXXX, TX. As noted above, we live in XXXX XXXX, FL. XXXX never been to Texas, XXXX or otherwise. The bill in question was supposedly from XXXX XXXX XXXX, for {$440.00}, of which {$220.00} was a service charge, and {$220.00} was for returned equipment. We have never had an account with XXXX XXXX XXXX. However, I believe XXXX XXXX was bought by XXXX XXXX, which I believe owns XXXX, the first collection agency noted above. 

I have discussed this with both collection agencies, but have received no response. 

Please consider this as a complaint of both fraud and identity theft. 

Please confirm, and advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX from NMAC provided personal information about late not being on my credit report with out my permission which is violation of client confidentiality. I am currently in middle of investigation with attorney general office, FTC and XXXX. 
I never never authorize anyone to speak on my behalf which is going to have negative consequences on my lawsuit with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TX

Complaint narrative:
XX/XX/2020 Experian. 

This situation is really upsetting by the Non action by Experian, concerning the law enacted by the FCRA. The section is referring to 605B. 

I fail to understand why Experian refuses to block fraudulent accounts, per my rights under 605B.. I sent Experian a USPS certified letter on the XXXX of XXXX, and Experian received this package on the XXXX of XXXX. 

In the letter that I sent Experian, it explains that I am a victim of Identity theft. 

I followed up with Experian by telephone on the XXXX of XXXX, and was told by the representative in the fraud department, that he did not know about laws and he said that he would put the items in dispute, per company policy. I can not believe that a credit bureau would blatantly dis-reguard the FCRA. 

These items are not part of a dispute. They are identity theft ... ...!!. This is clearly a violation of the consumer laws of Identity theft, and the acts that credit bureaus are supposed to follow concerning these laws. 

I have attached my Id Theft information, and a copy of Experians obligations under the FCRA. 

XXXX  and XXXX  have blocked these accounts per my request. 


Here are the accounts .XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX I demand that Experian block these account 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 2020-11-02 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: LA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A few months ago I received an offer from Bank of America to open a checking account and receive {$500.00} bonus after meeting the requirements. See attachment to this complaint for offer terms. I have opened an account and met the bonus requirements, but never received the bonus. My multiple attempts to resolve the issue with Bank of America customer service all led to nothing.

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.

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 2020-11-02 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: GA

Complaint narrative:
I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.

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 2020-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: GA

Complaint narrative:
I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.

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 2020-11-02 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: CA

Complaint narrative:
There are 2 Inquires on my credit report that should not be 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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
It was Around XXXX to XXXX on two capital one accounts. I have called numerous times and told them of my sister stealing my purse and using cards. I have provided them with information to resolve. She purchased gift cards to sale on streets for drugs and I am being held responsible for these charges. I have ask them begged to them cried to them. She had my driver license social card all in her possession. I have been paying these charges over 2 years with no help to clear this up. The first card {$4200.00} with a XXXX credit line she over charged the 2nd card XXXX limit maxed out. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: NJ

Complaint narrative:
To whom it may concern, I was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my credit karma it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on equifax also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This mortgage was an individual mortgage account opened by me ( XXXX XXXX ) not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.

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 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am complaining against Chase bank XXXX XXXX branch in XXXX, CA. It is regarding the recent promotion if you deposited {$250000.00} and leave it for 90 days, the bank will award me with {$2000.00} cash bonus and deposited to my checking account. 
I opened the account and deposited {$250000.00} to my chceking on XXXX XXXX and I fulfill all the stipulation and follow the term and condition as the banker XXXX XXXX instruction . 
and here is the instruction as the banker gave it to me - please see attached after the 90 days lapse, I checked and met with the personal banker XXXX XXXX in XXXX XXXX. And according to XXXX, I was not eligible for the promotion. 
I felt cheated and misguided since I follow all the term and requirement for the promotion. And I asked to speak with the branch Manager : XXXX XXXX, however i was told that she is on maternity leave and noone know when she is coming back. 
The banker was telling me that there is no dispute about why I am not receiving the Cash bonus and Why he had not tell me this prior to XXXX XXXX. I think Chase was taking advantage of myself and Coming from the Veteran family, I felt that Chase is not acting fairly and misleading the client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Name of Credit Collection Company : Receivables Performance Management , LLC Date : XX/XX/2020 This company sent me a letter insisting that I owed {$5000.00} for four technical devices I never purchased. Furthermore, I have never used either XXXX or XXXX XXXX as my carrier with whom the debt was originated. I previously contacted RPM to advise that this is NOT my debt. 

I would like you to contact this company to eliminate this attempt to collect a debt I never incurred so they will stop harassing me. This is very important.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a prepaid card through BOFA. I live in California there were several withdrawals in XXXX XXXX Nevada until my Account was drained. XX/XX/XXXX {$480.00} XXXX/XXXX {$480.00}. XXXX then {$460.00}. On XX/XX/XXXX XXXX {$460.00} and {$480.00} was withdraw!! Not one time did they alert me. They said they would Reembuirse me. Its been 30 days. Im will be homeless soon. They keep giving me the run around. Its obvious it was FRAUD. Ive been on hold for Over 39 hours between 5 days. They there was a glitch. Im a REAL PERSON. MAYBE {$2300.00} isnt a lot to some people but thats all I had. 30 days waiting now they say it will be another 45 days. This can not be LEGAL. HOW can they hold my money HOSTAGE????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
For the third year in a row, my mortgage company, Loancare, is trying to forceplace me into an unnecessary insurance policy. ( see attached letter from loancare ) They have been sued in the past for illegally forceplacing unsuspecting consumers into unnecessary, high cost insurance plans and then taking kickbacks in return. ( see attached documentation on lawsuit ) My homeowner 's association sent them a copy of the updated master insurance policy ( see attached ) which is more than sufficient coverage for a 2 bedroom condo. 

I also faxed them copies of this on XX/XX/2020 ( see attached ) and mailed them copies ( see attached proof that they received the documents on XX/XX/2020 ) and uploaded the information to their website on XX/XX/2020. 

Still, I have yet to receive a response from them. It seems they do this every year and I'm not sure how they are still allowed to operate this way. ( As an aside, I did not choose Loancare to handle my mortgage. Based on the terrible reviews I have seen all over the internet, I would never choose such a company-my loan was, to my horror, sold to them after I purchased my condo. )

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 2020-11-02 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:
There are 2 Inquires on my credit report that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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:
There are 2 Inquires on my credit report that should not be 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