vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Please delete asap

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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I sent XXXX $ From Goldman Sachs USA to XXXX on XX/XX/20 and they emailed me stating it was completed but when I called to find it they told me it would be 3 Days. 
I still havent seen the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I started a debit card claim with citi bank in XXXX I have sense sent them all the information to process the claim. As of XX/XX/2020 I have not received a temporary credit or anti formation on the status of my claim.

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 2020-12-28 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: TX

Complaint narrative:
On XX/XX/XXXX, $ XXXX ( XXXX XXXX  ) I was notified by text alert to log into my XXXX account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By XXXX XXXX. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call XXXX on XX/XX/XXXX and was given the number to XXXX XXXX at ph # XXXX. XXXX  didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. XXXX XXXX stated they were sending the account back to the agency. I ask them for a name, phone, and address but, XXXX XXXX REFUSED TO GIVE ME THAT INFORMATION. XXXX stated I need to submit once again the police report from orginal filed in XXXX with Anthem breach which XXXX just adding. I was told my XXXX that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
On XX/XX/XXXX, $ XXXX ( XXXX XXXX ) I was notified by text alert to log into my Experian account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By XXXX XXXX. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call Experian on XX/XX/XXXX and was given the number to XXXX XXXX at ph # XXXX. XXXX didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. XXXX XXXX stated they were sending the account back to the agency. I ask them for a name, phone, and address but, XXXX XXXX REFUSED TO GIVE ME THAT INFORMATION. XXXX stated I need to submit once again the police report from orginal filed in XXXX with XXXX breach which XXXX just adding. I was told my Experian that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...

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 2020-12-28 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: FL

Complaint narrative:
I am disputing the following account under FCRA : XXXX XXXX account XXXX Please delete asap

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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
An account on XXXX  (XXXX ) was selling shoes through a raffle. I bought two yesterday XX/XX/2020 through XXXX as a gift for me and my boyfriend with a total of {$340.00} ( one payment of {$170.00} and the other at {$170.00} ). He received my payment and then that night blocked me deleted his comments and now has my {$340.00} and left me empty handed. I called my bank ( XXXX  ) and they told me they cant to anything because I authorized it but Im not receiving an item so that should be reported as scam - but they didnt even give options or any help. I later found out he does this to a lot of people and im not the first. 
I have no job right now and am a current college student and was hoping to get some cheaper shoes for gifts since he looked legit and has a big amount of followers. I tried to request {$340.00} back through zelle and says he can not be found with that contact information. I also contacted local authority and they told me to leave it alone since theres no case tied to it and hes not causing threat or harm ( but he did steal money from me ). They also mentioned how its happening a lot during covid. I did my research and this is how zelle and scammers get away with taking money from people. This is my first encounter and Im freaking out because I cant get my money back. 
All I want is my money back and to be at peace that this guy wont do this to other people. My bank ( XXXX ) has ties with zelle and should warn people about scams and how they we cant get a refund if anything happens with scamming. Especially during this time with covid people like me are taken advantage of without even realizing it. His page is still active and hes probably doing this to many others. If you can do anything that would literally save my life and help me out financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: IL

Complaint narrative:
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: IL

Complaint narrative:
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX  XXXX XXXX, XXXX XXXX XXXX, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2020 I purchased an embroidery machine for {$10000.00} which was placed on a 48 month equal payment plan with Synchrony Bank. XX/XX/2020 a credit for an item of {$670.00} was processed taking balance to {$10000.00}. 
On XX/XX/2020 I made a purchase of {$1000.00} at XXXX XXXX XXXX Ref - XXXX without being informed that the {$1000.00} was only interest free for 6 months. 

I made an online account with Synchrony and set up autopay for the initial amount of {$10000.00} with a payment of {$220.00}. I adjusted the Synchrony 's autopay to cover my payments with a little extra. No where on Synchrony 's websites autopay do they separate the {$1000.00} as a 6 month payment with minimum payments due. They lump the amount owed together as one, as a " New Balance '' with a minimum payment shown to only cover the 48 month transaction and not the {$1000.00} which I was never made aware was only for 6 months interest free. My auto payments I made was for {$270.00} to cover my balance over 48 months. Synchrony is sneaky and not transparent as their website and statements does not show the separate balances and payments for each of their offer / programs.

I had made all my payments on time only to find that I had been charged interest for the last 3 months after setting up my auto payments as a conscience and responsible consumer.

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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Recovco Mortgage Management, LLC
State: TX

Complaint narrative:
I started the refinance with sprout mortgage late XX/XX/XXXX for two of my properties. After 3 months and many emails to correct their mistakes I closed in mid XX/XX/XXXX. Now they faild to transfer the loan to a servicer. They list plant home lender as a servicer on the CD and as of today decmber XXXX XXXX, planet home knows nothing about my loans. For one of the properties, they collected fund to the escrow account and now they fail to pay the insurance that I have due on the XXXX of XX/XX/XXXX. When I called they kept transferring me to many people and eventully hang up. I sent many emails and emails are kept as evidence for their contract breach. Now I do not know what I shall do. I feel that I am stock with this lender that I am doubting their legitimacy. I need help!

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 2020-12-28 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:
Transunion 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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I can not login to my paypal account. I lost My phone so I can not use the authenticator app for 2 step verification. Also, my phone number has changed. The only 2 options for 2 step verification in paypal are text to phone number and authenticator app, so my paypal is now useless to me. When I Call Customer service, I wait for hours for a callback which never comes. I need a manager to call me and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I cured the debt of {$1500.00} paid through XXXX XXXX and emailed a copy to Honda Recovery Department ( Mr XXXX ) Acct XXXX. In addition emailed a copy of insurance and wire as well as allotment. I was told to pick the vehicle up once I sent the XXXX XXXX. 

We waited almost 4 hours at XXXX XXXX at XXXX, GA stated they are waiting for Honda to release the vehicle through XXXX .... 

Later after several calls, Ms XXXX from the Recovery Department was very rude and stated you had 90 days to pay so you can wait another several days to a week. Which she raises her voice and stated no extra fees will be waived I don't care if you waiting 3 hours ....

We never received any certified letter stating a repossession will take place. It's unfortunate that this covid crisis put a financial burden ... we paid what was due but Honda apparently Ms XXXX same lady earlier stating I have to go and get {$16000.00}. 
I drove 7 hours from North Carolina. I met the 10 day protocol and paid the account to current status. 

PLEASE assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
My Name is XXXX XXXX. I have received alerts that a company called TransWorld System INC/XXXX  has reported me to each credit bureau. They insist that XXXX stated that I owe {$360.00} and XXXX denies reporting this claim to collections. 

I have been disputing this claim since XX/XX/XXXX. Finally, XXXX  removed the claim. However, the collections company TransWorld continues to try collecting money from me that I do not owe. I do not have a XXXX account. 

TransWorld System INC/XXXX is committing fraud. I have reached out to them several times, without any resolve. Today when I reached out to them I could not get any assistance. 

XXXX, even says that their company shows that I do not have an account, or owe money. 

Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
I have a complaint against TCF Bank. On XX/XX/2020 I visited a TCF Bank branch and upgraded my savings account to a better account in order to avoid coin deposit fees. The new account has a {$100.00} minimum. In the same visit to the bank branch I upgraded my savings account to the new account type and had the branch representative transfer {$100.00} to the account. 
On XX/XX/2020 a {$4.00} " monthly maintenance fee '' was charged. This was likely due to the branch representative transferring the {$100.00} sequentially after upgrading the account. The fee was due to representative error. 
I received a fee reversal for that {$4.00} subsequently during a branch visit. 
A second {$4.00} maintenance fee was charged at the end of XXXX, which was triggered by the prior maintenance fee. It's like this : XX/XX/XXXX balance : {$100.00} XX/XX/XXXX balance : {$100.00} - {$4.00} maintenance fee ( caused by sequential error when account was upgraded and {$100.00} minimum transfer in the wrong order, bank branch rep error ) XX/XX/XXXX balance : {$96.00} ( triggered additional maintenance fee for month of XXXX ). 

Today, on XX/XX/XXXX I called TCF customer service and requested the second " monthly maintenance fee '' be reversed. The first monthly maintenance fee had already been reversed via a branch visit. After spending over a half hour on the phone with the call center representative explaining the issue, the representative finally admitted that she only has access to 6 months of transactions. The representative said I would need to visit a bank branch in order to receive the fee reversal. I find this to be completely unreasonable. It is a long distance to any bank branch and I know that branches have very limited service. The bank representatives don't have access to transactions older than six months. The bank can not help customers over the phone with issues older than six months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX and I was a victim of fraud due to PNC Bank 's inability to stop someone from accessing my account and making unauthorized transactions on my account. Please find the letter attached attempting to blame me for the fraud that occurred on my account and attempting to charge me ( the victim of fraud ) {$4400.00}. I refuse to pay for any account transactions that I never authorized and will not be paying. I would like for these charges to be reversed with my record cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My concern is that I thought I was paying my Federal Student Loans ( FFELP ) not private Navient Loans. I was totally unaware or see how my Students are no longer Federal. The originality of the loan was Federal. It is still titled as Federal and the interest rates are regulated by federal. How is this not included in the Covid-19 relief of not having to pay interest rates during the pandemic? This is truly a problem and criminal act that Navient is doing to its consumers. It has all the characteristics of a Federal Student Loan and should be treated just like the rest. Please look into to this matter and help make a change on how Navient is servicing its Student Loans.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: NV

Complaint narrative:
Experian has inquires i did not request nor should be on inquries

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 2020-12-28 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: CT

Complaint narrative:
XXXX account # XXXX open date XX/XX/XXXX amount XXXX I called XXXX also file an FTC report and they told me that they no longer have that info FCPA section 807 violation misleading false reporting and like this removed account # XXXX American adjustment open date XX/XX/XXXX, amount {$130.00} this account is also fraud and did an FTC REPORT XXXX XXXX XXXX account # XXXX amount {$7300.00} open date XX/XX/XXXX, this account is not mine as well as the others

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 2020-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
on XX/XX/XXXX I woke to find my car had been vandalized. Stolen from my vehicle was personal property and my wallet. upon finding my wallet was stolen I made appropriate steps to get a duplicate license and cancel my bank cards. Fast forward to XX/XX/XXXX I was summonsed to court about a credit debt that I knew nothing about. I called the courthouses and Midland credit in an effort to ascertain anything that said I opened the account. XXXX XXXX  claimed the account was opened on XX/XX/XXXX but when I asked for something with my signature on it they said the no longer have the information as it was passed on. I then called Midland Funding who could not provide that either that the courts had it, so I contacted the courts and they don't have it either. I was also told that a payment was last made on XX/XX/XXXX so I asked for any information on the payment ( ie check, bank etc ) and nothing could be provided as well. I do not remember opening this account and simply have asked for any proof that it is mine. No one could provide any of that.

Company response to consumer: Closed with explanation