vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
During a background check for a future apartment, several accounts showed up saying I owed money and had about 7 accounts in collection, but I have paid everything off threw the company directly over a week ago. It is inaccurate and harmful.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CHOICE LOAN SERVICES INC.
State: TX

Complaint narrative:
Please see attached documentation. 

My complaint is for First Choice Loan Services and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that First Choice Loan Services for XXXX XXXX XXXX. First Choice agreed that the Past Due/Payment History is wrong, and that they would correct it by sending corrections to all 3 Credit Agencies. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of First Choice Loan Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: AZ

Complaint narrative:
These people have called and texted me for years and Ive advised them that they have the wrong number repeatedly. Last time I called ( today ) they said they have no record of me reporting a wrong number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NJ

Complaint narrative:
XXXX, XXXX  and Equifax has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX  - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NJ

Complaint narrative:
XXXX, Experian and XXXX  has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020

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 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
I HAVE DISPUTED OVER AND OVER THE CMRE DEBT ON MY CREDIR REPORT FOR VALIDATEION. iT GETS REMOVED FROM SOME CREDIT REPORTS BECAUSE THEY CAN NOT VALIDATE THE DEBET. I KNOPW NOTHING OF THE DEBT ANT NEVER HERD OF THE DEBT OR EHO THE PARENT WAS THE DEBT WAS BEFORE CMRE BOUGHT THE BAD DEBT. 

CMRE INSISTS ON READDING THE DEBT TO MY CREDIT REPORTS OVER AND OVER AFTER THEY ARE REMOVED WHEN THEY CAN NOT VALIDATE THEM AND STARTING THE CLOCK OVER ON THE STARTING DATE OF THE DEBT WHICH IS ILLEGAL ALSO. NOT TO MENTION THIS IS NOT A DEBT THAT IS XXXX OR I HAVE HEARD IOF, PLEASE REMOVE THIS FROM MY XXXX   CREDIT REPORT AND COUNSEL CMRE FOR BAD AND ILLEGAL BUSINESS PRACTICESES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
There were fraudulent charges posted to my credit card account. These were reported and disputed with the credit card company. Also a complaint was submitted with the Consumer Financial Protection Bureau. ( See complaint CFPB # XXXX XXXX. The dispute was found in the cardholders favor and the credit card company provided a credit for the fraudulent charges. We also were charged interest each month between the posting date ( s ) to current for these fraudulent charges as indicated below : Statement Date Interest Charge Amount Total Interest Charged To Date XX/XX/2020 {$18.00} {$18.00} XX/XX/2020 {$74.00} {$92.00} XX/XX/2020 {$93.00} {$180.00} XX/XX/2020 {$34.00} {$220.00} XX/XX/2020 {$32.00} {$250.00} XX/XX/2020 {$35.00} {$280.00} XX/XX/2020 {$35.00} {$320.00} XX/XX/2020 {$44.00} {$360.00} XX/XX/2020 {$42.00} {$410.00} To date the total amount of interest accrued because of these fraudulent charges = {$410.00}. 

We have on a number of occasions requested that all interest/fees associated with the fraudulent charges be credited to our account as outlined in the " Credit Card Agreement '' and our rights under the " Visa Zero Liability '' policy. ( See supporting documentation attached ) TD Card Services has failed to fulfill it's obligations under these rules. We demand and seek a complete refund/credit to our credit card account in the amount of all interest charges to date totaling {$410.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX  / XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
On XX/XX/2020 certified letters were mailed to CCS Services XXXX XXXX XXXX Ma XXXX in regards to : Account # XXXX Consumer Protection MGL Chapter XXXX  Demand letter was mailed XX/XX/2020 and received ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Request for Validation of Debt letter was mailed XX/XX/2020 ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Consumer Protection MGL Chapter XXXX  Demand letter was mailed XX/XX/2020 and received ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Request for Validation of Debt letter was mailed XX/XX/2020 ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX ) On those letter Chapter XXXX gives CCS the opportunity to make a good-faith response within 30days. It has been more than 30Days and they have refused to validate my debt or remove this account from Collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Paypal uses a verification process that has effectively locked me out of my account. In this account are banking account and credit card information.

This verification process relies on one thing and one thing only : sending a text ( sms ) message with the code to the primary phone number on the account. My phone on record does not accept sms/text messages.

I have contacted the company several times and been told that there is no technical support owing to the Pandemic and that they can not help me and maybe it is a problem with the phone company. These are not accurate statements from Paypal, and there seems to be no way to communicate with Paypal to get them to see the issue for what it is and what else could be instead of what they have created. What is more is that where I have 2-step authentication in play, Paypal
is not using that information on record to provide verification codes -- and it is not an option. In fact, Paypal does not provide another option besides their one and only way : primary phone number on record. 

Banking institutions that provide online services, such as XXXX, and other account providers, such as XXXX, have evolved and use and industry standard that offers 3 options and for the customer to be able to select each time they want to do a verification code process for security : Via text, via phone call, and via email -- all using customer  data on record. If Paypal had used these already, I would be able to get into my account already ; and I have been locked out for months with no way to get into my account that Paypal customer service people could provide. 

This same verification process is required to reset the password on my account. I am greatly concerned that I have no way to log into my account they way they have set-up their security verification process, and therefore I can not monitor or view anything going on with my account until they alter their way of providing verification. This is not tollerable, and I've seen other customers have complained online as well. 

This complaint is to use this process to get Paypal to deal with this issue that they have caused and has locked me out of my account that contains my personal financial data. In addition, Paypal requires a person to log in to chat, and makes contacting a live person extremely difficult. These processes in place now at Paypal can not stand as they have financial information and must be held to a higher level of accountability given the impact to customers like me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
On XXXX I noticed and unfamiliar account on all 3 major credit bureaus and sent Accout Resolution Corp a certified request for validation letter ( Conf # XXXX ) advising I did not have enough info on the account and was unable to accurately identify the collection account as belonging to me. I was unable to receive any documents from the company. The company willfully and intentionly has disregarded my request to verify/validate this information as it is defined by law. Please remove this listing from all credit bureaus as it is inaccurate based on the lack of documentation provided by the company in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
one year ago XXXX or XXXX dollars Disclose account or Disclosure account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: PA

Complaint narrative:
My USBank Reliacard account has been locked since XX/XX/XXXX. It appears to have been locked as a security measure and I was asked to submit proof of ID via fax. I have done so several times and customer service over the phone is no help whatsoever. All of my money is stuck in the account and I have no access to it.

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 2020-10-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had fraudulent charges on my credit card account back in XX/XX/2017. I reported it as fraud. It shows fraudulent on the bank statement, but the issue apparently wasnt resolved like I was lead to believe. Due to this still being on my account the bank which is Bank of America reported this account to the credit bureaus as a charge off. Ive contacted the bank regarding this as well as the credit bureaus. One of the credit bureaus fixed it in their system but experian is stating that Bank of America is telling them not to remove the wrong information. When I try to contact Bank of America regarding this I cant reach anyone about it instead Im transferred for 2 to 3 hours back and forth having to explain the whole situation every time to the different departments. This has happen multiple times. They refuse to make this right and keep giving me the run around.

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 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I used my City National Bank award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. that, I called CNB reward customers servers to ask my order to check my order status and shipping information. The agent told me they can not check my order status since my credit card was canceled, but they can see my order was being processing. 

Since Covid-19, I left United Stated in XXXX and return in XXXX. I checked my mailbox and didn't see the City National bank gift card. I called City National Bank rewards department and agent told me they can't track my orders and asked me to call City National Bank customer Services. I called City National Bank customer Services, but agent told me that I should contact City National Bank Rewards department. Back and forth, I called too many times to City National Bank customer Services and City National Bank Rewards development. Finally, one agent promised she will help me to check the status and call me back in two days, and she gave me a reference number # XXXX but after week, I called City National Bank customer Services to query my case, but was told my case was closed and asked me to City National Bank Rewards development. I called again and again, finally one agent help me to talk with her supervisor and told me will call me back in two days. 

I received a email from City National Bank Rewards development today and was told my Visa gift card was delivered on XX/XX/2020 and has been used. 

I never received those two Visa gift card. I asked for shipping tracking information in XXXX, but CNB didn't give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of 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 explanation
Consumer complaint received 2020-10-08 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:
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. 

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

SinceXX/XX/XXXX, I have documented repeated attempts to get my credit history corrected. It is XX/XX/XXXX, and still do not have my Credit Reports corrected. 

BEWARE of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of 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 explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Sys INCXXXX reported a collection on all my credit reports on XX/XX/2020 for XXXX and reported me late since XXXX XXXX. I never received a letter from this Collector or collection agency. I never received a call or a bill. I have no knowledge of this debt and I can't verify if its mines without a letter. I need this account removed! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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. 

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