vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XXXX of 2020, it was a lease which was returned. Upon calling hunday they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved. 
This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances. 
Can you guys get at least one thing correct?

The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date opened is reporting with 3 different dates, credit limit reporting inaccurate. When you report to credit bureaus they just update account, please remove/delete account off credit due to inaccurate reporting. this for the charge off account 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 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I scratched my XXXX. I saw a doctor at XXXX XXXX in XXXX ( XXXX FL ). I got a bill from the hospital and I paid it. Now an unknown entity is billing me without showing me a statement signed by me agreeing to have that entity provide services for me and that I agreed to pay that entity for their service. XXXX has no right to put this on my credit report without proof that I contracted with entity. I have proof that I paid the hospital. This is double billing and fraud.

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 2021-03-26 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: NC

Complaint narrative:
I recently upgraded a membership on the Equifax website, i called equifax after checking my credit file and noticing my personal information was part of their data breach back in 2017, I spoke with someone at equifax over the phone and told them that it appears a fraudulent suntrust and XXXX accounts were placed in my credit profile report along with inaccurate information including addresses and different spellings of my name. i was told that those fraud accounts and addresses would be removed within 24 hours but they are still showing in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
This is a NEW Complaint filed on XX/XX/2021. The information provided was unresponsive to my demands. The following statement was included in a previous response from Caine & Weiner the balance due is not owed to Caine & Weiner. The balance is owed to XXXX XXXX. Also quoted We have no information on file to contradict that the consumer made that payment to initiate coverage. This is not a confident response by any means, the debt collector clearly has no proof or even a general idea of the account in general. I respectfully request you Caine & Weiner return this account back to the original creditor immediately. This process has been very unprofessional & I will be looking to further escalate this process if we can not fix this problem. Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, or Copy of Florida State ID both are needed to obtain Florida car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX I was checking my bank account and I found three unrecognized debits. One on XX/XX/XXXX for {$3500.00}, one on XX/XX/XXXX for {$3500.00}, and another one on XX/XX/XXXX for {$3000.00}. I called the online banking service and told them that I did not do and did not authorize those transactions, that I never received the text with the security code, that I never received an email to verify the transactions as the bank should has done since there were three consecutive, very suspicious, transactions. 

I was informed by the bank representative that the account was supposedly had been immediately blocked and he had opened a new account. On XX/XX/XXXX, I checked my brand-new account and AGAIN found another unrecognized debit for {$3500.00}. I immediately called, spoke with the bank representative, and ONCE AGAIN he blocked the account. 

As you can imagine I was frustrated and psychologically affected for all these inconveniences. I was told that the fraud department has been informed and that soon I will receive a communication regarding this matter. On XX/XX/XXXX I received a letter, by email, regarding claim number XXXX informing me that the bank was unable to honor the claim and clearly written You may request copies of the documents used in our investigation and well mail the information to you for your records. When I asked to be mailed the reasons they could not let me know the reasons. 

One again I called and spoke with the bank representative I was informed that supposedly they made a domestic called to phone number XXXX XXXX and spoke with my husband, that lives in XXXX XXXX and my son, that live in XXXX XXXX XXXX XXXX and that they BOTH authorized the electronics transactions. This is false because my husband and my son live in two different continents with two different phone numbers and two time zones. My son is not a beneficial owner, he is not authorized.

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 2021-03-26 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: FL

Complaint narrative:
My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XXXX of 2020, it was a lease which was returned. Upon calling hunday they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved.

This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances.

Can you guys get at least one thing correct?

The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong 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 explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XX/XX/2020, it was a lease which was returned. Upon calling XXXX they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved. 
This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances. 
Can you guys get at least one thing correct? 
The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong 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 explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I submitted a request to have this card removed from my credit report as I do not hold this card. I was a authorized user and not the account holder. I have no financial obligation to the card and want it off my credit immediately per the Fair Credit Reporting Act guidelines ( FCRA ).

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Submitted a request in XXXX to have the barclays account removed, but I am not sure why it wasnt removed, maybe a misunderstanding. I have no financial obligation to the account since I was only a authorized user, not the account owner. The dispute has been in place for over 30 days and they have failed to remove the authorized user account in a timely, efficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21 while traveling in Florida, I purchased gas using my Chase Debit card. The total was {$20.00}. When I returned to my hotel later that afternoon, I noticed an additional charge of {$84.00} from XXXX XXXX XXXX XXXX in Washington state. I immediately called Chase customer service and disputed this charge as unauthorized. My card was disabled, I received a credit and I was mailed a new card to my home in New York. On XX/XX/21 I noticed Chase bank reversed the credit for {$84.00}. When I call them to inquire I am told that the initial charge was not fraud and was substiantiated by the mechant. I asked for proof of my signature and was told by both the CSR and Supervisor that my signature was not needed because the merchant was able to verify my name, address, and email. I argued that the company who charged my card is a some type of company in Washington state. I am XXXX years old, physically XXXX with a XXXX injury, live in New York and I did not purchase or authorize the purchase! They could have cared less. They told me the charges were valid and they would not reverse them. However, I could reopen the claim if I could provide proof of fraud. I asked them for the contact information for the merchant and was given XXXX. Which is an outsourced 3rd party service who has no information on the credit card transactions. The first thing they ask is for your zip code, name & address before even allowing you to ask any questions. So of course they have just been given the information Chase requires to verify a purchase. Chase did not have an address for the merchant for any name other that XXXX XXXX XXXX XXXX. I have been unable to find a company by that name listed anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was scammed by an advertisement from XXXX. The man sent me multiple emails and texts. We agreed upon rent and move in date. I sent him a deposit and first month and a half in rent then when I got to the place he discontinued his phone and no longer responded to my email. I reached out to my bank USAA to dispute this and they claimed there was nothing they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TN

Complaint narrative:
I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section XXXX & XXXX as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.

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 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MI

Complaint narrative:
MRS BPO LLC sent a verification of debt letter that is not sufficient to validate alleged account. I requested a few documents that was never sent. The letter that was sent has a lot of discrepancies and the verification letter that was sent does not reflect whats on my credit report. This account is falsely reporting as the original creditor and not as MRS. MRS also failed to send a letter stating that they owned alleged debt and continuously to report this alleged account to the credit agency and has been reporting this account for a year illegally. This is affecting my credit. If this agency have the right to collect debt, why wasnt I informed?! Isnt this a violation. If this company is obligated to report all accurate information, why are there so many discrepancies on all 3 credit reporting agencies?! This company is in violation. I requested documents and was not given all the proper documentation. I only received a statement and a verification letter from MRS XXXX I have more evidence if needed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made two purchases using PayPal ( Synchrony Bank ) .The first purchase offered a promotion of 24 easy payments at zero percent interest. The second purchase is a 6 month zero interest promotion. When the bill came due the payments are not separated and the larger amount goes towards the 24 month easy payment plan and no option to pay down the 6 month promotion! There is no option to pay on the 24 easy payment and the 6 month promotion separately which means at the end of the 6 month promotion I will have to pay back all the interest!!! 

In a chat session with XXXX  I was told to make a payment and then call them and they will allocate the payment to the promotion I select so I made a one time payment of {$1000.00} to pay off the 6 month promotion to XXXX XXXX and I was very clear on the phone to PayPal where I wanted the payment to be applied! However they applied it to the 24 month plan instead. I have had 2 chat sessions and 3 phone calls and they refuse to correct the situation. This is completely a scam and fraudulent!! I should be offered two different payment schedules

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
In XXXX I applied for Government Assistance ( PUA ) and was approved to get payments that backdated to XXXX I never received a debit card in the mail so about a month later US BANK RELIA CARD sent me a debit card the debit card had no funds so I called the bank to find out what the problem was that's when US BANK RELIA CARD representative advised me that there was an additional card on my account that was loaded {$17000.00} to date ( XXXX XXXX ) I was confused due to me never receiving any funds the representative then gave me the information attached to my account and the address that the representative gave ( XXXX XXXX XXXX XXXX PA ) is not an address im associated with or have ever been the representative then proceeded to give me the email on file more information I have never been associated with so at this point the representative advised me to file a dispute and update all my contact information so I did we continued the call ( duration 2 hours ) disputing the transactions on my account. A week later I called for updated information and was told my dispute was closed ( XX/XX/XXXX ) a couple months later ( XX/XX/XXXX ) I was sent a text message from US BANK RELIA CARD to verify my identity so I called and was told my claim was reopened and was advised to send over information ( ID CARD PROOF OF ADDRESS AND SSI CARD ) and that the claim would reach its 90 day mark the first week of XXXX in witch US BANK RELIA CARD only has 90 days to investigate and reach a decision today XX/XX/XXXX I have called numerous times being told numerous times that my claim is still pending to call back 7-10 days. the funds that were deposited into the US BANK RELIA CARD was my PUA Unemployment and due to US BANK RELIA BANK sending my card out to the wrong address I lost all my unemployment benefits and US BANK RELIA CARD 5-6 months later have not paid me out any of my money that was stolen nor have they given me an update on my claim after I have submitted all my proof. In addition also losing all my work credits.

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 2021-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a medical collection per collection company, When i reached out to them i asked them to validate and verify that this was my account, give me signatures with me agreeing to pay them, information stating i owed them, procedures done, Hippa release form from orginal creditor for me allowing them to have my information, They will not supply me with any information and the credit bureaus keep saying verified, But the account is reporting inaccurate information with the date opened. How can i open an account on two different dates? Please remove this account from my 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 2021-03-26 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: TN

Complaint narrative:
I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section 605 & 623 as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.

Company response to consumer: Closed with explanation