vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery has place a collection on my credit profiles claiming that I owe {$640.00} to XXXX XXXX XXXX. I've NEVER had a card with XXXX XXXX in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hey, this complaint is about my personal information being incorrect. I sent a letter out on XX/XX/2020 and i also sent a letter out on XX/XX/2020 and today makes over 60 days since ive recieved a response or any actions taken.

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 2020-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I was told after a deposit into my paypal account that a limitation was pit into effect for suspicious activity. So they asked me to upload numerous documents to verify my identity. I did so in the time frame requested. Then on XX/XX/2020 at XXXX XXXX i called and talked to a worker at paypal and asked when my account would be restored and was tild by the end of the buisness day. Then the next day i checked and they had permanently banned me from using paypal and are holding all my money for 180 days. I asked to appeal the decision and was denied. I asked if there was anything i could do to access my money and was denied. They never gave me the option to appeal the decision as well as gave me false info about restoring my account. in the state of oregon it is illegal to hold my money without first giving me a chance to fix the issue in question. They couldnt even tell me what suspicious activity it was that got my account banned. I need my money now not in 6 months i have kids to feed as well as a home to pay rent for. I will lose everything if my money is not given to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
HI, i HAVE A ACCOUNT WITH pnc bank. It started with a transaction of with XXXX XXXX.I was trying to get a loan in which for months it went nowhere.I had paid them XXXX to get my loan then in turn stated it would continue to send them money.XXXX then XXXX I ended up going through another place due to them requesting money. I paid that company XXXX the XXXX and got a new place.I disputed this with pnc back in like XXXX or XXXX and now in XXXX, My account went negative. Not only did they make it so that I got several XXXXlike 5 or 6 of them to make my account negative for that fraud XXXX that I disputed and did not hear back from them for months. I disputed it again and the lady filed something on it. That company that plans gave my money to did not perform a job for me and I requested my money back hired a realtor who got me in a home without a loan and I paid it off. Now when pnc made my bank negative I had already got my social security check paid all my bills and that was several days before they posted this XXXX negative then gave me XXXX fees like 5 or 6 times made all my bills negative for this fraud XXXX that was disputed and I never dealt with that company after instead hired a realtor who got me in a home and now pnc made my account negative multiple times to get XXXX times 5 or 6 plus that XXXXI want the negative removed.I did not hear back from pnc to this account until XXXX when it was disputed months ago due to fraud.I want my money that was already in the account that was taken and the account fixed.I do not owe that company any money and I will not pay for a fraud item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CASHCALL, INC.
State: CA

Complaint narrative:
The company name is Cashcall they have a 12-year-old dead as if it were only a few years old and a great report and still trying to collect XXXX XXXX  is the collection agency they have falsified documents and dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was used to commit fraud I have given the bank evidence of it not being committed by me since I was in a completely different state from where the transactions were taken place was going on for around 2 weeks I have given them credit card statements of me using my credit card in another state since I didnt have my debit card and to them that is not enough Im an XXXX year old with a part time job I can not be in debt with a total of around XXXX XXXX in fraudulent charges still have not received accurate updates the claims department had been no help at all and have been ridiculously rude at times tell me that I committed the crime of Fraud and that, that is why I cant pay my rent or my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Problem with personal statement of dispute
Company: Veros Credit, LLC
State: TX

Complaint narrative:
This derogatory mark on my credit report.Upon further research this account was transferred/sold and I am no longer responsible for the account.Debtors creditor did not verify this collection.According to the FCRA my rights have been violated and Im requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland funding has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called Midland funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe Midland funding is overcharging me and they will not discuss my account with me I don't understand how Midland Funding a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.

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 2020-10-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.

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 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called XXXX funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe XXXX XXXX is overcharging me and they will not discuss my account with me I don't understand how XXXXXXXX XXXX a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At certain times during the past few months, I noticed that one of my credit card balances was incorrect/wrong, either as a result of a compromised account or late postings to my account, for example. Unfortunately, I had to purchase items, such as household products, personal hygiene items, soap, hand sanitizers and other related miscellaneous products including, but not limited to food selections to alleviate any/all food insecurity that I was and/or am currently experiencing as a result of COVID-19. In order to comply with CDC guidelines regarding ways to stop the spread of the novel coronavirus, COVID-19, I find myself in debt today, XX/XX/2020, with little relief in sight. Additionally, I am recovering from XXXXXXXX XXXX that occurred in XXXX, 2020, and I was told by a bank representative that some leeway is available to consumers who can't make full balance amount payments as a result of sickness, such as XXXX. Apparently, that is not entirely true. Coupled with the financial hardship of COVID-19 is the financial hardship that I am experiencing as a result of XXXXXXXX XXXX and XXXX. When I inquired about financial assistance due to sickness at my bank, I was told that the only financial assistance that I could access was the ( elective ) financial assistance provided as a result of COVID-19. 

I feel as if my bank is trying to rip me off, and furthermore, the bank does not seem at all interested in my personal financial hardship due sickness. The only financial assistance option provided by my bank is related to COVID-19 financial assistance, not assistance related to the fact that I was sick ( and recovering from ) with XXXX. My XXXX XXXXXXXX XXXX XXXX began in XXXX, 2020 and ended in XXXX, 2020, with one more procedure forthcoming, which needless to say was/has been delayed due to COVID-19. 

What are the the general banking rules with reference to credit card balances that can not be paid in full, when a consumer, such as myself, is stricken with XXXX? I would like to access more information about the " sickness '' related ( clauses ) policies and/or rules, for instance, that are implemented when a consumer can't pay their credit card balances in full as a result of sickness? 

One of my main concerns pertains to late fees ( which may be waived by the upon request ) but what about compounded interest accrual that is being charged during an unprecedented pandemic, when interest rates are too high to begin with for the bank ( s ) to fairly charge interest on balances that a consumer, such as myself, can not pay in full as a result of this pandemic, COVID-19? The bank 's current offering is unfair, could jeopardize a consumer 's personal credit history/score as well as compromise future access to credit and/or borrowing/lending options, for example. My bank current financial assistance offer is not good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 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 belongs to someone else
Company: Sterling Infosystems Inc.
State: VA

Complaint narrative:
I literally have no idea. I just put in an application for XXXX XXXX two days ago and my background consumer report from you guys came back and it says I am a XXXX XXXX XXXX But, I have never did nor was accused of such. I believe I was terminated from my old job because of this as well. So, please I need someone to get this straightened out.

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