vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have an issue with PayPal. 
Open dispute for unauthorized charges twice and they close it twice in a scamer favor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Account name : National Credit system. 
Amount : {$4200.00} I've never heard of this company. I've never done business with this company. I don't have any contract signed with the company. I believe that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
This issue has been going on for over 5 months. The account was never setup on escrow and taxes were paid directly to the county. However, CMC sent out taxes and forced my account to have escrow claiming I needed to pay the back taxes ( which was already paid ) in addition to the new taxes that needed to be paid for the year. My monthly principal and interest is less than $ XXXX but they were forcing me to pay close to $ XXXX. They stated that I couldn't close the account from escrow until the account was brought to a positive amount, forcing me to make a payment even though I sent them proof of payment in XX/XX/2020. I have called back multiple times ( XXXX, XXXX, multiple calls in XXXX, XXXX, multiple calls in XXXX ) and this issue is still not resolved. Aside from being hung up on, provided false promises with supervisors calling me back, and misinformation, they have NOT refunded my money ( payment of {$2600.00} pay # XXXX on XXXX ) that they stated would be needed to just close out the escrow account. Also, they stated that they sent money to pay taxes on my property, but when I paid it for the 2020 year, it did not show that there was a credit balance. They are a fraudulent company and have been holding my cash hostage during COVID times.

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 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I NEVER GOT the money. i cancelled it in XXXX XXXX  and in XXXX. that XXXX XXXX office knows i did not get the money. THEY ought to be ashamed with their answer. outright stealing ( there is crooked person involved ). so i spent the time to contact the bank. here is the transactions at the bank. it was double deposited because of error with the teller at the driverthrough. 
I HAD THIS IN A NICE CHART FORM shows two dep, two returns on XXXX XXXX cust deposit ( i had told the lady that photo didnt show up yet so I gave her the check ) on XXXX XXXX my photo deposit on XXXX - XXXX " returned '' on XXXX - XXXX dep return item AS YOU can SEE I did NOT get the Cash - both returned!! 

the XXXX XXXX office knows I cancelled the transaction. i told XXXX XXXX XXXX too. I told them and wrote to them that I dont want an account. I never had access to the money. XXXX said they SENT me a check to my mailbox, which is like trhowing it in the air. because my it is on the road 1/4 mile from my house and is not monitored, and a hill between, although putting a camera in ) I never received the money!! 

they ruined my credit just when i was getting a new mortgage refinance so they cost me a bundle they should pay {$1000.00} for their KNOWING fraud, THEY never should have sent me a check XXXX XXXX. if that is what they did. I told them they need to see if whatever check they sent XXXX XXXX was Cashed! they didnt even look. THEYMUST REVERSE their MASSIVE interest as I never got the money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Account name : XXXX XXXX XXXX. 
Amount : {$4200.00} I've never heard of this company. I've never done business with this company. I don't have any contract signed with the company. I believe that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Consolidated Recovery Group, LLC
State: FL

Complaint narrative:
Consolidated Recovery is reporting an old business debt on my personal credit report. I am no longer affiliated with the company that owes the debt. The business was incorporated and the debt belongs to the business and not on my personal credit report. 
FCRA 603 ( d ) defines credit reports/reporting as information for establishing the " consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes. '' A business in which I was associated is not consumer information of a personal, family, or household purpose, and does not meet the FCRA definition of consumer credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I asked Chase Bank to dispute my transaction as I noticed it was a fraud or scam. I did the transaction on XX/XX/XXXX, and I called XX/XX/XXXX as it was closed on weekends, and I just realized on Saturday night. I called them on Sunday, but the bank said I should call them on Monday. After I explained everything, including the scene of how I got scammed, they said they couldn't dispute that. They said because I authorized the transfer, so they can't refund that money. The scammer 's motive is pretending to be a subleaser by sending a check to secure her spot. The scammer wanted me to send the rest of the money, as the check was larger than the rent fee. I sent {$1000.00} and {$800.00} to the same person through XXXX 's payment that affiliated with the Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi, My Problem is with Paypal, Some 4 months or more ago palpal had suspended my personal PayPal account due to their statement of violation of the terms of services. 

I have tried to reach them over the phone but never get through to anyone to discuss this issue. I emailed them, then the reply was as stated before, I asked exactly what was the specified transaction or transaction that violated the terms of services, but unfortunately, I never got any specific answer, only the general vague response of violating the terms of services with no specific or reference to the stated violation. 

The Account had a balance of XXXX if I remember correctly and was frozen and can not use it or transfer it for my bank account or pay for any purchases, and was informed that it will be there for 180 days. 

Today XX/XX/2021, I received an email from Paypal stating that " {$190.00} USD ; Paypal posting date : XX/XX/2021, payment to Paypal damages caused by Acceptable Use Policy Violation ; Paypal Damages caused by acceptable Use Poly violation. 


Transaction type : Correction. 
-- -- -- -- -- -- -- -- -- -- -- -- I have the civil right to specifically know what and how I had violated these rules and to know where I did make the mistake to be held liable for this penalty both financially and mentally. exactly what happened? why they did what they did? NO Answer from Paypal. that is so uncivilized and unlawful, when someone is being penalized, he or she would have known the exact situation of their violation not just blunt and blank accusation, in order to review and respond to these charges. it is at least just a fair " Due Process as they say. 

this is totally unacceptable and totally offensive and I believe under fair law it must be solved according to the just and fairness to both parties. 
I demand an exact reference to the stating the violation incidence that I was charged with and entitled to my full rights under the law. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This is a response to National Credit Adjusters, as i am waiting for there response that i allegedly owe this debt. i would like to point out that they are in violation of : 15 USC 1692b ( 5 ) not use any language or SYMBOL on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
They are also in violation of : 15 USC 1692b ( 2 ) not state that such consumer owes any debt. 
You can see the violations from the exhibit I have submitted from National credit Adjusters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My American Express credit card was closed without warning. There was recent fraud on my account because my identity was hacked online and next thing I know the account is closed without any warning nor contact made. To make the situation even worse the reward points that I worked hard to acquire were taken away forfeited for no fault of my own at all. I earned those points with my spending of my hard earned money and also paying it back. They had to right to take my points and just cancel my account. I want my points that I earned back and getting bullied by a multi-billion dollar company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian allowed a dispute to be initiated without my knowledge or my consent - Report XXXX : XXXX. I called the Experian fraud department to get clarification as to why was this account was being disputed ( which I did not initiate the dispute ). I contacted Experian on XX/XX/2021 XXXX XXXX Central Standard Time through XXXX XXXX  Central Standard Time. The individual in the fraud department stated that they have no information as to who initiated the dispute. This is clearly unacceptable and a clear violation. All disputes must be initiated by the consumer and no one else if not authorized - Via online, certified mail, or by phone. After speaking with another representative they stated that this account was a CFPB complaint which is inaccurate. The CFPB complaint ID XXXX - XXXX Is the complaint that should be currently addressed. Not this erroneous and fraudulent dispute Report XXXX : XXXX. I requested Experian to address and demand CFPB complaint ID XXXX - 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 2021-04-13 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX U.S. Bank XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX U.S. Bank Home Mortgage Attn. Credit Bureau Disputes XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : Request for Credit Bureau XXXX XXXX for Loan # XXXX secured by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ohio XXXX. 

Dear Research Department, This correspondence is in response to our recent conversation and is a follow up to my complaints and many attempts to get U.S. Bank ( the bank ) to report my credit standing to the three major credit agencies. I am requesting that the bank make a correction to my credit file at all three credit reporting agencies ( XXXX, XXXX  and XXXX ) effective XX/XX/XXXX to the present and each month hereafter. 

I purchased this property in XX/XX/XXXX. Since that time, I have made my monthly mortgage payments on-time, every month for six years. Due to certain circumstances, I filed for Chapter XXXX Bankruptcy in XXXX ; all the while continuing to make payment. In/or around XXXX of XXXX, US Bank Home Mortgage not only stopped reporting these payments to the Credit Bureaus, they also pulled all previous on-time payment history. 

I was informed that if I were to refinance my loan then they would once again begin their Credit Bureau reporting. 

There is a triple/if not quadruple whammy going on here XXXX not in my favor ). First : payments are no longer reported ; second : all previous payment history is pulled ; third : with the bankruptcy, the pulled history, the non-reporting ... leading to the fourth hit : a much lower credit score ... will US Bank now refinance the loan as suggested by customer service? I tend to think not. No bank would. 

I believe/know, that this policy by US Bank is not right and needs to be corrected. 

Again, this is an Formal Executive Complaint. 

Thank you for your alacrity regarding this matter. 

Regards, XXXX XXXX XXXX ( C ) 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 2021-04-14 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank after being informed that my mother died, Denied that there were funds in my mothers bank account after I presented them with a small estate affidavit. Two weeks later XXXX XXXX sent my mother a thank you note for a car that was supposed to have been repossessed. Chase refuses to answer the question, " If there was no money in the account how did XXXX XXXX receive an XXXX payment. I am tired of Chase Bank they have continually committed fraud on my mothers accounts. My mother made XXXX per year and was never granted a credit card or a line of credit. She had 6 accounts with Chase, I'll have to find all of the account numbers. 
Walker

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Hello, Beginning on XX/XX/XXXX I have been in contact with PNC bank, the lender with which I have my first draw PPP loan that I acquired in XXXX. I took a conservative approach when I took out my XXXX PPP loan and did not request it for as much as I was eligible, as I did not include my own personal salary for which I pay myself biweekly. This year, when the SBA announced that they would be relaunching the PPP program with a number of different amendments, including allowing Customers to apply for an increase to their first draw PPP loan. The procedural notice was issued Wednesday, XX/XX/XXXX, and today is XX/XX/XXXX. PNC still does not have a method by which a customer who has their first draw PPP loan with them can actually apply for said increase. The guidance given by the SBA dictates that increases to first draw XXXX loans can be made only by the lender of record for the loan i.e. the lender that is reflected in the SBA system as the current owner of the loan. Because I bank with PNC, and because my first draw PPP loan is with PNC, I am unable to apply for an increase. Its been three entire months that PNC has had to actually stand up a process to meet the customers needs. Other financial institutions like XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX have successfully set up processes. By not complying to this SBA procedural notice, PNC is doing me and many other customers a disservice. I have contacted my banker no less than six times since XX/XX/XXXX, each time Im given a vague reply like its still in the process as an established yet, will let you know when it is. This back-and-forth and runaround has gone on long enough. The funds allocated to PPP by the SBA that Congress approved are dwindling with a {$10.00} XXXX a week run rate, at this rate folks are projecting the funds to run out in the next 2 to 3 weeks. Even at a more conservative run rate, it is not likely that the funds will even last until the program ends on XX/XX/XXXX. Even still, I do not have faith that PNC bank will actually have an established process for me to even apply for an increase. All Im asking for is the opportunity to apply for the increase as laid forth by the SBA according to their procedural notice. 
I would appreciate if the CFPB could investigate as to why it is taking so long to stand up this process at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TN

Complaint narrative:
Failed to comply with the FCRA provisions regarding blocking accounts that resulted in ID theft. Also refused to acknowledge the FTC report as well as the FTC as being an " enforcement agency ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TN

Complaint narrative:
Failed to comply with the FCRA provisions regarding blocking accounts that resulted in ID theft. Also refused to acknowledge the FTC report as well as the FTC as being an " enforcement agency ''

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 2021-04-13 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 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX  XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX  XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXXXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00}

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 2021-04-13 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:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: ERC
State: NY

Complaint narrative:
Enhanced recovery company is reporting A collection on my credit report that is passed the statue of limitations in my state. I would like this collection to be deleted from my credit report from all three credit bureaus XXXX XXXX XXXX  has charged off the debt upon further research this account was transferred and I am no longer responsible for any debt to jpmcb card services. I would like XXXX XXXX XXXX To stop reporting this debt to the three credit Bureaus I would like for this charge off to be removed from my credit report of all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TN

Complaint narrative:
The accounts on my credit report do not belong to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Missed a payment got caught up with wells fargo and now they wan na say I'm two months behind

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