vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: AZ

Complaint narrative:
So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from XXXX XXXX because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.

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 2020-08-12 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: AZ

Complaint narrative:
So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from XXXX XXXX because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.

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 2020-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened an account with Marcus Savings ( a Goldman Sacs company ) and transferred {$50000.00} from my XXXX XXXX account. I opened the account because it was paying 1.05 % -and my son told me it was " awesome. '' I already had a long-standing savings account with XXXX XXXX that was earning 1 % and I was very happy with it. On XX/XX/XXXX, I received an email that said the interest rate was dropped to .8 % I didn't see any reason to continue to keep that account ( I had had a few other deposits into the account as well ... ) so I immediately transferred {$50000.00} into my XXXX  XXXX account. The " screen '' told me it would occur in 2-3 business days. The next day I checked my " app '' and was told I was " temporarily locked out '' and had to call XXXX to unlock my account. When I called, I was told that my account was locked until I provided them with statements from my XXXX XXXX account ; I refused -I see it as irrelevant and definitely non essential. TWO excellent banking sources I use ( one from XXXX XXXX ) told me they had NEVER heard of asking for statements for a bank account. I could get NO OTHER information from Marcus. The funds are STILL LOCKED at Marcus and I can't seem to get the money out. I sat on hold along with a Representative from XXXX XXXX  for 41 minutes late last week ( probably XXXX  XX/XX/XXXX ). I've tried numerous times to call but no one will talk with me or reset my account OR give me my money. I even asked for them to mail me a check but they won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
PHH Mortgage Services We are trying to refinance the loan and combine with first mortgage as loan was maturing in XXXX. 

Unfortunately XXXX happened and our family was infected with XXXX in late XXXX before the loan came due. 

We immediately tried to refinance with the company and combine with our first mortgage but be were unable to complete the process because of the virus. 

After speaking with the company and asking for assistance, we tried to make monthly payments online but they were not accepted after being instructed by a service rep. 

We then attempted to refinance with another company but XXXX had marked us in default even though we were told them were were have difficulties due to XXXX we should not be marked late ( or anything that would negatively impact us XXXX. 

XXXX then sent us a bill for {$1400.00} which was sent with check # XXXX. This check was sent back. 

Now they are asking for XXXX, which they say we can't pay and should ignore there attempts to bill us monthly. 

After to many HOURS to count on the phone with XXXX, I have been told about the default, forbearance, forbearance disaster relief, that we were rejected for relief, that we were rejected the CARES act protection, that they will not remove the default, that a investigation has already been done, that nothing can be put in writing, then someone said they would send a letter that we dont qualify for a credit retraction ( but we were disconnected and never received ), to send our credit report to XXXX, to not send it as nothing can be done, that default was not reported, etc ... Every call gets a different response. 

Now, we are unable to refinance the loan with the negative impact on my credit. We were never late in 15 years and have made every attempt during these times not only to stay current but to refinance. 

Please help. If this is happening to us, it must be happening to 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 2020-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My money has been in paypal for a long time, but I have been unable to withdraw my money. I have been contacting the customer service before, and the customer service asked me to wait for 72 hours to withdraw my money. However, I have been waiting for many 72 hours, but I still can not withdraw my money, Sorry, something's not right. 

Go back My E-mail address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXXXXXX XXXX # XXXX Not my account. Please Verification and Method of Verification. 

XXXX XXXX XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX XXXX XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX XXXX XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my Hippa Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on XXXX, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX XXXX XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX XXXX XXXX # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX XXXX XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.

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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
XX/XX/XXXX date submitted for another dispute, first disputed was back in XXXX of XXXX {$990.00} dollars this company southwest credit system keeps trying to make me pay, this account isn't mine and I don't know who these people is and its impacting my credit really bad with this hard inquiry. I disputed it with XXXX  twice and XXXX is asking for documentation that I don't have because this account isnt mine. the consumer isn't trying to do nothing but keep making hard hits on my credit report resulting in a dramatic drop every time they report this false account that i know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, while checking my account balances, I noted the SUM total of my accountant, was in the process of being transferred, to someone named XXXX XXXX XXXX, via XXXX ( I have never used XXXX and I am not familiar with this person. I immediately called B of A customer service ( C/S ) and advised them of what I saw transpiring. After filing a Fraud Complaint, I was told to call back the next day, to get my credit cards reissued and a new savings account set-up, to allow for a " temporary '' credit to be issued to me, until an investigation could be completed, into the " STILL PENDING '' transfer of my savings monies. 

I called B of A back the following day, as requested and was shocked to hear, B of A went ahead and " COMPLETED THE UNAUTORIZED TRANSFER OF THE TOTAL AMOUNT OF MY SAVINGS ACCOUNT ''. The following day when I called B of A ( C/S ) to get a status of the previously promised " CREDIT '' to my savings account, I was told it would not be forthcoming, because I HAD AUTHORIZED THE TRANSFER OF THIS TOTAL SAVING ACCOUNT, TO THIS PERSON NAMED XXXX, WHICH I DO NOT KNOW. 

Over the next ( 2 ) weeks, I received untruthful and contradictory statements from B of A personnel, when attempting to gain information, into my stolen/missing funds. At one point when I called, I was told to cease calling B of A because, " this matter is closed and that there is no reason for any further discussion, into the matter. 

Feeling shocked and angered by the entire episode, I contacted B of A ( C/S ) again of XX/XX/2020 and spoke to another ( C/S ). She said she would look into the matter for me. After remaining on hold for ( 10 ) or ( 15 ) minutes, the presentative told me, she saw NO EVIDENCE of me filing a Fraud Report or investigation into the theft of my savings and that she had MADE THE FRAUD DEPARTMENT ISSUE A COMPLAINT ( XXXX ). 

Over this entire time ( 2 1/2 months ), I have received a number of strange phone messages and electronic emails, that were denied as being sent to me by B of A ( I have copies of each and every email as well as recordings of the telephonic messages. 

Can you please help me, in determining why this has happened to me. I am a ( XXXX ) year old XXXX patient, with no financial resources left, after the theft of my stimulus check funds ( {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.

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 2020-08-12 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: WA

Complaint narrative:
We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.

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 2020-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I can't believe what I saw on my credit report.. It says late 60 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank. Was promised {$500.00} bonus for virtual wallet performance ( 3 in 1 account ) with deposits totalling {$5000.00}. I deposited {$5000.00}. 
I made multiple calls to get my {$500.00} bonus. 
I contacted them on XXXX. 
I even spoke to the executive team several times. 
I emailed the executive team the flyer, that showed the terms for the {$500.00}. They promised to give me the {$500.00} bonus several times, but have not over the past 5 months. 

They also do not let me transfer my money out. They imposed arbitrary ( in my opinion ) monthly limits of {$2000.00}. Why can I not transfer my money out? 

I finally closed my account today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
I have contacted their customer service many times, and they all told me that I could withdraw my money and ask me to change my browser. I tried many times, but I still couldn't withdraw my money. I want to withdraw my money. 
I keep making mistakes when I withdraw money Sorry, somethings not right. Please try again later. 
Go back My email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax.com not only damage my credit due to there data bridge but the don't answer my phone calls i cant get my credit score or pull my equifax report they are damaging big time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
A debt validation letter was sent to DEPT OF ED/ NAVIENT on XX/XX/2020 certified mail, because of upon investigation there were concerns of my student loan account being not valid, because of possible fraud and non full disclosure. So in the letter i requested debt validation in the form of 1. validation of debt- this is actual accounting 2, verification of there claims against me ; that is a signed invoice, 3, copy of the contract signed binding both parties ( XXXX XXXX XXXX XXXX and DEPT OF ED/ NAVIENT ), in a letter by ' certified mail so that there is an independent " witness to have it delivered. '' I have yet to receive a response from them in the reasonable amount of time that was given to them of 14 days.

Company response to consumer: Closed with explanation