vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Paypal - XX/XX/XXXX amount is XXXX. I ordered XXXX pcs of a white drawer type shoe box. I received the product during the first week of XXXX. I opened the package and tried to put one shoe box together. IT would not even shape into a box. I then filed a complaint with Paypal that the product is significantly not as described and provided pictures. I tired to reach the seller at the email provided XXXX, it returned as not valid email. They never responded to my complaint. It has now been two months and I keep getting the run around from paypal stating they are waiting on the seller response. I want a refund and this product shipped back. I keep checking with Paypal and they keep telling me they are working it. It took a month and a half to be delivered.

Paypal case information below : Not as described - claim Case ID : XXXX You reported that the item youve received wasnt as described. 

You filed the case We've received the seller 's info We've reviewed the info We're reviewing the additional info given by the seller Estimated case resolution XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX You'll receive an update soon XX/XX/XXXX What's happening with your case? 

We're reviewing the information provided by the seller. 

What happens next? 

We'll get back to you soon with a decision or reach out to you for more information.

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 2020-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
ACIMA CREDIT F/K/A XXXX is the name of the company appearing on my credit report for an outstanding balance of {$2400.00}. The account was opened XX/XX/2020 as " Leased '' according to my credit report. I filed a dispute with the credit report company to have this discrepancy removed because I did not open this account. ACIMA CREDIT insist that this is my account. Since the credit reporting company was unable to resolve this issue, I contacted ACIMA today and so far no results. I asked the employee what is required to open an account. I was told a checking account, I.D., and phone number. So, how did ACIMA get  my social security number? No response. Please note that I do not have any inquiries on my credit report from ACIMA. Therefore, ACIMA did not request a credit report. ACIMA opened an account for someone and expect me to pay. I am annoyed and angry because I can't refinance my mortgage due to the drastic drop in my credit score and 60 day late payment.

If this has occurred to others, a class action lawsuit is necessary to teach ACIMA to respect consumers credit reporting and opening of new accounts without accurately verifying the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: OH

Complaint narrative:
On XX/XX/20, I contacted by phone XXXX XXXX XXXX XXXX and XXXX/XXXX about these accounts being opened due to identity theft. Both reps were able to close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 

Respectfully, XXXX 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 2020-09-30 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 


Item # 1 : I dispute Enhanced Recovery CO L Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This is for GM Financial. I am unable to make a payment towards my principal without calling in and typically waiting on hold for over 30min. I have tried all other option chat, text, and the online portal. When I call in they say there is no way for me to make all other payments besides my auto pay go directly towards the principal. The only option they offer is to call after I make a payment and tell them it should go towards the  principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail.

Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/20, I initiated a {$180.00} transfer from this account to my checking account at another bank. On XX/XX/20, USBank for some reason identified this transfer as suspicious and froze my access to all funds in my USBank account. I contacted USBank by telephone regarding the freeze on my account on XX/XX/20, and USBank requested that I fax identity documents to verify that I am the rightful account owner. On XX/XX/20, I both faxed the requested documents to USBank and also uploaded a copy of my identification documents to USBank 's online portal that USBank has established to receive such documents. Following my XX/XX/20 fax and upload of identification documents to USBank, my USBank account remained frozen and I continued to have no access to funds. I again contacted USBank by telephone to request removal of the account freeze and USBank again requested that I fax my identification documents. On XX/XX/20, I again faxed my identification documents to USBank. However, my account remains completely frozen and I have no access to funds. I have contacted USBank by telephone repeatedly after XX/XX/20, and USBank still has not provided access to my account funds.

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 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I tried to make a deal with the company HONDA FINANCIAL SERVICE I offered to catch up and continue paying the normal monthly payment and they told me that the vehicle had to pay it in full or deliver it, I decide to the situation that we are all going through, it was difficult for me to catch up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
A XXXX  threatened us with charges for something he called " XXXX XXXX '' if we did not continue seeing him at {$350.00} per hour. We of course did not agree to this thinking it was an empty threat. It was not. I recently checked my credit report and found a derogatory item indicating I owed {$160.00}. I called the collection agency listed to explain that they, presumably, were not aware they were helping to perpetrate a fraud and give them the chance to correct the situation. Their response was that the burden was on me to prove the fraud before they would act. I replied that it would be difficult for me to prove a negative, specifically that I did not authorize charges for whatever " XXXX XXXX '' is. They said that if I could not prove it they could not help and promptly hung up. The is a fraudulent charge. The doctor that imposed the charge knows it. I suspect the collections company knows it, but they also know it will be virtually impossible for me to prove it without expending resources far larger than the amount of the debt. They also know I value my credit score and are therefore trying to blackmail me into paying a debt I do not owe.

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MD

Complaint narrative:
I receive unemployment benefits from PA via US Bank Reliacard prepaid debit card. On XXXX XXXX, 2020, my card stopped working completely. Unsure of the reason why it stopped working, I called the customer service number that same day and was told that i needed to fax over 3 documents to verify my identity. Immediately, I gathered the paperwork and faxed it over that same day. I called on on XX/XX/2020 to confirm that my fax was received by US Bank and was told my fax was received and it would take 24-48 hours for processing. Needless to say, that 24-48 hour processing time has now been 3.5 weeks to no avail. Not only have I spent hours on the telephone mostly on hold waiting to speak to someone. Speaking to someone usually gets me a different answer every time. From them, I have heard 24-48 hours to a maximum of 15 days. They told me to replace my card, but their system will not let them send out a new one to me. And also, I have been told to resend the documents almost each and every time I've called them. I have called at least 20 times and even spoke with PA Dept of Labor who tells me everything is fine on their end. I have sent or uploaded the documents a total of 9 times since XX/XX/2020 and this issue still hasn't been resolved. All I want is to be able to access my money without issue or close the account and have my money transferred.

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 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Citi Bank/ Home Depot Credit Card , keeps calling and has called everyday, since XXXX. Everyday Sunday through Saturday. 4 to 6 times a day, I have been polite, ask Citi Bank to stop calling. I've explained I'm not working bc of COVID-19, and they continue to call unrelenting, I've answered the phone number and there's nobody to talk too. Then they call my wife 's phone 4 to 6 times a day also.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail. 
Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail. 
Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.

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 2020-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I have an FHA loan, and we are suffering hardship including unemployment due to the Coronavirus pandemic. I have made several requests to Flagstar for a forbearance, including sending them a hardship letter, but they denied my request for a forbearance because my mortgage was already in default. This is a violation of Section 4022 ( b ) ( 1 ) of the CARES Act which expressly states that the forbearance shall be granted regardless of delinquency status. 

Specifically, in XXXX 2020, I requested a forbearance from Flagstar. They sent me a letter dated XX/XX/2020 acknowledging my request, and asking that send a letter and provide supporting documentation ( which is a separate violation of Section 4022 ( c ) ( 1 ) of the CARES Act. I sent them a hardship letter explaining that I can not leave the house due to XXXX which make me especially vulnerable to the coronavirus, and that my husband is unemployed as a result of the virus. 

On XX/XX/2020, a Flagstar representative informed me by telephone that my forbearance request was denied because the loan was referred to foreclosure. This denial is a direct violation of Section ( b ) ( 1 ) of the CARES Act which expressly states the forbearance shall be granted regardless of delinquency status. 

On XXXX XXXX, 2020, I sent a letter to Flagstars attorney, that Flagstar had violated the Cares Act by filing a motion for final judgment of foreclosure in violation of the CARES Act moratorium. I also pointed out that Flagstars failure to grant my request for a forbearance violated the CARES Act. Although the attorney vacated the final judgment, she did not respond regarding the forbearance issue. 

On XXXX XXXX, 2020, I spoke with my designated point of contact at Flagstar, XXXX XXXX XXXX. I again asked for a forbearance. She again stated, erroneously, that I am not eligible for a forbearance because my loan is past due, and was already sent to foreclosure. This is a blatant violation of Section 4022 ( b ) ( 1 ) of the CARES Act.

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 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was scammed in a transaction for vinyl record. I sent the man the money on XXXX XXXX and was informed on XXXX XXXX by another individual on XXXX that this scammer was posing as me, attempting to buy the very record I solicited him for. 

I used paypal to send the money thinking that I was using their merchant services, but I unfortunately still had the " friends and family '' feature enabled when I sent the payment. 

The amount of money lost is : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I applied for a loan mod in XX/XX/XXXX2020 and was approved. I made all 4 trial paymbts and my title showed a child support judgemnt that has already been paud in full. I provided Lakeview proof of it being paid in full on XX/XX/XXXX and as of this day they have not cleared the title issue. My credit is being hit hard every month and up to this date I have made 8 trial payments. I have never missed a single payment. I have also sent proof that according to family law the judgemnts remains only until paid. I don't want to lose my home. Title should have already omitted this line to complete my mod. I have escalated many times and not getting anywhere.

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have requested to do a deed in lieu to return this property back to the bank because I have had this property for 13 years and tenants have moved out and I have lost over {$100000.00} on this property from expenses and taxes due {$22000.00} and I am not working with being impacted with the Covid -19 and informed the investor and they refuse to take this property back. And I do not want to file bankruptcy. I spoke with SPS today regarding this property XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation