vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
XX/XX/XXXX I paid SYNCB/Amazon charge card. This was paid over the phone to a collection agency. I was threatened that they would be coming to my place of employment. I had settled this debt with them. I was told that I would receive a letter of satisfaction but when I called two weeks later, I was told that they did not do that. I have not received ANY collection calls or letters since XXXX so I assumed that this was settled. When I checked my credit report, It showed that I have been late for 3 years and when I disputed it, they charged it off my report and now my credit score dropped 30 points. The report originally said I had a XXXX balance but after the dispute, it stated that {$630.00} was charged off. I sent them a check today for the XXXX because I need a good credit score to get a job and a car and this really is a big problem for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account number 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 2021-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
On XX/XX/21 I set up a one-time extra principal payment of {$1200.00} through nationstar mortgage website. On XX/XX/21, I saw two pending ACH 's from my XXXX checking account in the amount of {$1200.00}. I phoned Nationstar and they had me get on a 3rd party call to XXXX to verify that both debits would go through. Basically making sure I had {$2500.00} in my account. My issue is that I only set up 1 payment. I didn't click anything twice. I didn't have a previously pending payment. I didn't receive 2 confirmations for payment, etc. I DID NOT MAKE 2 PAYMENTS, and yet nationstar deducted 2 payments back to back that morning. Nationstar agreed to reverse one and since XXXX has partnered with Nationstar, they removed the fee to put stop placement on a check I had pending for savings at another financial institution and they reversed a {$29.00} NSF charge for an ACH. I am filing a complaint because although Nationstar says they will investigate this and get back to me, they have no vested interest in exposing themselves. Also, if I didn't have the funds to cover the 2nd payment, would they have assisted me? I'm concerned that others may be subjected to penalties and fees that they can't fight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: The Bureaus, Inc.
State: FL

Complaint narrative:
I noticed unauthorized account on my report someone applied for something in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MS SERVICES LLC
State: CA

Complaint narrative:
I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the XXXX XXXX XXXX. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact MS SERVICES LLC on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, XXXX XXXX XXXX XXXX and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received my new Debit card on Tuesday, XX/XX/2021, noticed it was the same number as the one that was going to expire, ( that was ok cause I have that number on certain automated payments ). 
I looked for the number to activate but there was not one so I called because I was going out to make a deposit. 
Spoke to XXXX on that day and she informed me that my new card was already activated and no action was required ... 
My card had been activated 7 days before I received it ... .activated on the day it was mailed ... 
I was very upset and made a complaint to her ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have been sending certified disputed letters no response or anything changing on my credit reports accounts are still there as of today. Cant make any big purchases nor get any good credit cards because of these bad debt reporting on my reports XXXX and XXXX ONLY REPORTING DEBT THAT DOESNT BELONG TO ME. XXXX has updated all reports with debts deleted. Not sure what's going on with XXXX & XXXX REPORTS THEY ARE NOT CORPORATING WITH MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
My Mother passed away on XX/XX/XXXX. Her house was sold in XXXX, XXXX. The Reverse Mortgage was paid in full in XX/XX/XXXX. I received an erroneous 1098 the beginning of XXXX, XXXX which showed my Mother paid $ XXXX in interest in XXXX. Actually, it was more like {$7500.00}. I've emailed and provided all the documents to American Advisors Group. No response. Called in. Waited for hours to get on the phone. Finally got another email address. Sent everything again. Email said I would receive a response in a few days on XX/XX/XXXX. Today is XX/XX/XXXX. Nothing! Called again today. Again on hold for several hours to talk to a person who told me he " reached out '' to the person in that Department. That's the person " XXXX '' I spoke to on XX/XX/XXXX. The excuse today is the weather in Texas. 

Now I am scheduled for a call back on XX/XX/XXXX. 

The response time for this company is a joke. My mother complained bitterly while she was alive about dealing with this company. Being put on hold for hours on end. No Response. 

I can not file tax returns. I am forced to leave her bank account open, incurring charges until it can be closed. Have a CPA on stand by. Wasting hour upon hour waiting for a corrected 1098. It is a simple typographical error made by AAG. Legally, the documents were to be provided by XX/XX/XXXX. 

My Mother 's house has been sold, her estate has been distributed and the very last thing to do is her tax returns and they screwed that up and DO NOT RESPOND. I feel very sorry for the old people who have to deal with this agency. 

XXXX XXXX, Co Administrator, XXXX telephone number XXXX XXXX Estate of XXXX XXXX XXXX American Advisors Group XXXX Loan No. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed an alleged bankruptcy that Experian continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Experian continues to report the item on my Experian consumer credit report.

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 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My credit suffered from my divorce in XXXX. To help improve my credit score, I bought Trans Union credit score monitoring service. As part of the service, they provide advice to improve your credit score. Since 2018, I have followed their advice keeping my debt down to manageable amounts and when possible increasing the amount of credit that I had available ( to reduce the credit utilization ratio ). After several years and a lot of hard work, per my purchased TU credit score, I was finally able to increase my score to a respectable score of XXXX. So with my improved credit, I decided to buy a house. However, after spending a lot of time, energy, and money, I selected a home to purchase. However, when I applied for a mortgage, I was shocked to find out that my mortgage was denied because my TU credit score reported to the lender was XXXX. I tried to work with TU to determine why there was a 70 point difference in the score that was reported to the mortgage lender and the score that I purchased ( and was using to drive many of my financial decisions over the last few years ). I never spoke to a live person and they were absolutely not helpful at all. I have no idea why there is such a huge discrepancy in the two scores and how I can improve the lower score reported to the lender. 

I feel it fraudulent and dangerous for Trans Union, or any other credit agency, to sell credit scores to individuals that don't represent the score that will be supplied to lenders.

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 2021-02-19 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized charges on my checking and savings accounts. Most of these charges were ATM transactions. I don't normally use my debit card because the majotiry of my transactions are online in which my card information is stored already and to pay bills which is done by ACH. The amount of ATM withdrawals that were made from my checking account total {$6500.00} and from my savings account in the amount of {$18000.00} for a total combined withdrawals of {$24000.00}. These transactions go back to XXXX of XXXX and I am only reporting these right now because I was unaware that these took place for the reasons I stated above. On XX/XX/XXXX I received letters about my claim and they informed me that they completed their investigation and no credits were going to be made to my account. I contacted the claims department shortly after and requested that a claims representative contact me back so this could be better explained to me. I received a phone call from a claim rep on XX/XX/XXXX and she told me that since a PIN was used at the ATM for these transactions. They consider that to be a reason for denying my claim. When asked to explain further, she said the following. Since a PIN was used they believe that I did not choose a strong enough PIN or I didn't secure my PIN good enough where it would have not been so easy to obtain. She also stated that a Claims Manager noted my account closed and that this claim will never be reopened and investigated again. 

This is totally outrageous that since I didn't choose a strong enough PIN, then someone stole my card, figured out my PIN and made all these withdrawal. That my account is not going to be protected and I am never going to receive any of my hard earned money back. Shame on you Citizens Bank, you are in the business of providing a financial service and to protect your customers financials, assets, etc. Why would I ever do business with a company like you if I didn't feel like I was going to be protected? If that is the case, why wouldn't I just keep my money in shoe boxes and not trust that you are going to do your job and protect the rights of all your customers? 

This is bad business practice and you should be ashamed of yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TX

Complaint narrative:
Transunion was notified that there were duplicate and unauthorized inquiries on my credit report over 2 months ago and have not done any investigating or correction of error. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were all unauthorized XXXXXXXX XXXX- are duplicate inquiries both dated XX/XX/2020 XXXX XXXXXXXX are also duplicate inquires As a result, I was recently denied credit due to the number of inquiries on my credit report. 

Transunion has received several documents regarding this issue and yet no resolve

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 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I used CFPB XXXX, XXXX, to help me recover my Credit Score ( XXXX ) unjustly reduced to low 600s by XXXX XXXX XXXX. This lease for a car was the 3rd one I ( Grandma ) co-signed for my Granddaughter. Their claim of {$2200.00} ended as satisfactorily paid. It took me until XXXX XXXX, XXXX ( only with CFPB help ) to recover my XXXX score. Very upsetting months of fighting. ( CFPB Complaint XXXX XXXX. 

Meanwhile, a new Credit Report, dated XX/XX/XXXX, showed this same account showing " Recent balance of {$2200.00} as of XXXX, XXXX Open ''. I wrote to credit company, asking them to DELETE this incorrect information. I was again SHOCKED to learn that my XXXX score had again been reduced to XXXX for SERIOUS DELINQUENCY!! I have NEVER BEEN DELINQUENT IN MY XXXX YEARS. 

On XX/XX/XXXX, I received a letter from a COLLECTION AGENCY stating their " client XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX has placed this account with our office for collection in the amount of {$2200.00} ''. I called this collection agency & XXXX XXXX to chastise them. ONLY TO HAVE ONE SUPERVISOR ANGERALLY ARGUE WITH ME THAT " NUMBERS GENERATED ON PAPER ARE NEVER WRONG! ". We agreed there was a {$500.00} balance owed, but not the entire {$2400.00}. Finally, after numerous calls, one nice lady looked at former claim conclusion & saw I was right. I demanded a full explanation in WRITING, along with MY SCORE BACK AGAIN ASAP ( 2 days ago ) & reporting all back to CFPB. 

In conclusion, XXXX XXXX DIRECTFULLY & PURPOSALLY ATTEMTED TO COLLECT TWICE FOR SAME CLAIM!!! At my age, if not for my 20 years in FLORIDA STATE GOVERNMENT WORK ( including 5 yrs in Consumer Fraud ), I AM SURE no one could have attained this result. PROOF OF TAKING ADVANTAGE OF SENIORS, as I witnessed in Consumer Fraud Dept over and over..

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the Local Housing Authority. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact XXXX XXXX XXXX on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, Bank of The West and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I opened a paypal account in XXXX of 2020. I opened this account to have my beneficiary funds deposited into it from the state of Arizona. The deposit of {$8800.00} occurred on XX/XX/2020 from the state of Arizona for unemployment benefits and very shortly after that PayPal decided to put a limitation and a hold on my account where I could not access my money or do any kind of transactions at all. Apparently their stipulations and policy is ordering the customer to wait 180 days for any kind of problems to arise to prevent fraud or mistakes or anything of that nature. So I waited the 180 days and on XX/XX/2020 my XXXX XXXX days was up. On XX/XX/XXXX of 2020 I received an email from PayPal and it was encrypted and signed by PayPal telling me that my funds were eligible for withdrawal and that certain account activities were unlocked and able to use so I then went to my Paypal account logged in and tried to transfer the funds to my bank account to come to find out another error message telling me that my account is limited reference code : XXXX. I will provide that screenshot later on and many others. So I called PayPal customer service that day on XX/XX/2020 just to get a run around of the same old spiel and they told me to wait on an email and for their system to update and then try again I went through this process more than 30 times since XX/XX/2020 to present day I have screenshots of call logs I have dates of call logs many many of them I pretty much contact them either daily or every three days and get the same response from different representatives every single time. The customer service representatives are very rude and very inconsiderate and don't provide any information or any evidence or anything that helps me get to a resolution with this problem it seems like they just want to keep my money in their account to gain interest. I have had it with them I've tried to be respectful I've tried to be kind I've tried to be patient and nothing is getting resolved my account says the funds are available but I can't access them and I keep being told that they're back office is working on it but I can't get a back office number I can't get a number for any department they won't give it to me they tell me no. I am prepared to file a lawsuit in small claims court against them if this does not work please help. I don't know what to do anymore I need that money that money is for a pandemic benefit to assist citizens and they are holding it hostage for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have been having a issue with Flagstar Bank with my escrow account. I have spoken, and chatted with them ( I have copies ) 5 times since XX/XX/XXXX. On XX/XX/XXXX they deducted {$1600.00} from my escrow account to pay my property taxes. On XX/XX/XXXX I downloaded a copy of the receipt showing Flagstar paid in the amount of {$1500.00}. 
Please note that when I received my trim notice last year from the county, it showed that {$1500.00} was the amount due if paid in XX/XX/XXXX, and if paid in XX/XX/XXXX the amount due would be {$1600.00}. 
On the 4th call on XXXX XX/XX/XXXX, the young lady I chatted with finally understood what my complaint was. She filed a case # XXXX. I have a XXXX  document with the entire chat because Flagstar told me they do not have the technology to send me a copy of the chat. Today I chatted with them again because I have not heard anything. I was told that the case was closed on XX/XX/XXXX and they do not owe me the delta. I never received notification of this. When I asked why, I was told that no notification information was given. I'm trying to be nice, BUT when you apply for a mortgage they have all your information! They send me a notice monthly when my payment is due, even though I have it set on autopay. 
Long story short, they took {$65.00} more out of my escrow account than they paid to my county. I have never dealt with such an inept bank in my XXXX  years. 
Another bad point, I wonder how many other senior citizens they have done this to. 

So I am writing to you asking for your assistance. I do not want to pay a lawyer to get my money back. 

I would really like to have my mortgage with a company I can trust, but I'm not going to pay to " refinance ''. What do you suggest. 

Also, because of this overpayment, my Form 1098 is incorrect. Also my annual escrow analysis is incorrect, and they wanted me to send them {$150.00} for my escrow shortage. I did not send it, thereby my Mortgage increase by XXXX, which would have been lower had they not over deducted from my escrow account. 

Please note that the XXXX  County Tax office told me that they received the payment from XXXX XXXX. an escrow payment company. I asked Flagstar for XXXX XXXX phone number, but they would not give it to me, nor the address.

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