vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: SC

Complaint narrative:
On XX/XX/XXXX I was charged {$7900.00} dollars on my discover card. I submitted information to discover stating that I had not received services for this transaction. Services for the transaction were to be performed on XX/XX/XXXX. The merchant continued to push the event back due to covid restrictions. I explained to Discover that the merchant had blocked me on all social media platforms and has also changed their contact information when I began the dispute process, making it impossible for me to reach back out to the merchant. Discover closed the dispute and deemed it valid on XX/XX/XXXX. I informed them that the invoice the merchant submitted wasn't even an accurate invoice because I was charged more than the {$7900.00} but it was split between my XXXX XXXXXXXX card and my discover card. The charges totaled {$11000.00} XXXX XXXX  has been able to resolve the situation based on the information that I have submitted, but for some reason discover has not yet resolved the situation. I will attach a copy of both my XXXX  XXXX and Discover invoices proving that the invoice submitted to discover wasn't accurate. I submitted the correct invoice to discover as well as the letter from the account XXXX. I asked discover to send me the invoice that was submitted to them so that my attorney could try to bring this to a resolution but I have not received that copy and i have now requested it 6 times. They told me that I should be able to see the dispute updates online, however i can't access the dispute any more from my account. Today one of the representative told me that the invoice from the merchant isn't even landgable on her side either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is concerning XXXX XXXX, this is not mine it has been reported along with other items sometime ago as Fraud, I attempted multiple times to report this to experian and XXXX, it was also reported to XXXX Police dept which filed a compliant on my behalf,

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 2022-01-28 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: PA

Complaint narrative:
The XXXX XXXX XXXX violated my consumer rights by reporting inaccurate alleged late payments. Fair Credit Reporting Act said information should be reported accurately, because it could and has been damaging to my financial wellbeing and my reputation. I have alleged late payments that are inaccurate being reported on my consumer report. FCRA said that report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my account. These alleged late payments should be removed from my account immediately and that by me making the credit reporting agencies aware of these violations, if the continue to violate the law and my rights it is willingful noncompliance. These alleged late payments should be removed immediately.

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 2022-01-28 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
On XXXX, I, XXXX XXXX, sent a debt validation letter to Professional Credit po box XXXX XXXX, Or XXXX On XXXX XXXX, they sent a response. It detailed medical procedures that I had. Or shall I say, states that I had. I have not ever given my medical provider authority to share my medical history with anyone. 

I believe this collection agency along with medical provider have violated my personal rights. My deep concern is how many times have they given my medical information to debt buyers, collection agencies. Now I'm worried about that. My medical provider is selling my debts by the week. My medical provider is sending me all kinds of bills. Maybe I should file XXXX against them. However, see the attached documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: SC

Complaint narrative:
PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC violated my consumer rights and contacted me about a debt without my written consent which is a direct violation of the FDCPA 15 USC 1692c ( a ). The communication that was sent was abusive, profane and obscene to me the hearer and reader which is a direct violation of the FDCPA 15 USC 1692d ( 2 ). The communication that was sent did not have documentary material as defined by congress showing proof of this alleged debt. I sent PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC a debt validation letter and a cease and desist by certified mail with a green return receipt on XXXX and it was received on XXXX. I disputed the validity of the alleged debt and I refused to pay pursuant to 15 USC 1692g. I demanded all unfair communication to cease and an audit trail pursuant to 12 USC 1831n and 12 USC 5562C ( 10 ) ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) be provided.

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 2022-01-28 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: MA

Complaint narrative:
On XX/XX/2022 I contacted TRANS UNION and submitted ( online and via mail ) a Federal Trade Commission identity theft report along with a police report regarding fraudulent account, XXXX XXXX, that is on my credit file. I also requested that this account be removed and BLOCKed from my credit report. According to FCRA 15 U.S. Code 1681c2 the information must be blocked within 4 business days of receiving identity theft supporting documents. However, this fraudulent account remains on my credit file. When I called on XX/XX/2022 to inquire about the status of removal I was told by a customer service representative named XXXX that it will take 30 days for them to complete an investigation, not XXXX business days. Note that all documents submitted to TRANS UNION are attached to this complaint.

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 2022-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
My original loan amount was {$240000.00}. The following payments were made to XXXX before my loan was transferred to M & T Bank. 

{$1300.00} on XX/XX/2021 {$1300.00} on XX/XX/2021 for principal only {$1300.00} on XX/XX/2021 for principal only The last balance shown was {$240000.00}. 

Payments to M & T were as follows... 

{$500.00} on XX/XX/2021 for principal only ***Bank statement attached*** {$850.00} on XX/XX/2021 for principal only ***Bank statement attached*** {$1300.00} on XX/XX/2021 for principal only ***Bank statement attached*** M & T Bank statement dated XX/XX/2021 should have reflected an Outstanding Principal balance of {$230000.00} instead of {$240000.00}.

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 2022-01-28 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. 

I dont understand why you put this negative information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Issue with Chase Bank XXXX Credit Card XXXX Unfair credit reporting / Unclear communications regarding status of fraud dispute / Unpleasant interactions with customer service when attempting to resolve : XX/XX/XXXX - Fraud charge on credit card account - {$21.00} XX/XX/XXXX - Receive potential fraud alert from Chase. Confirm fraud and receive message that card is now locked. 
XX/XX/XXXX - XXXX XXXX  charge on credit card account made from TV ( not sure how this went through on a locked card but it seems to have processed ; Unsure at the time if this was real or fraud ) - {$3.00} XX/XX/XXXX - Late Fee incurred- {$28.00} XX/XX/XXXX - Interest charged- {$2.00} Exact Date Unknown - Call Chase regarding fraud and locked card. Assured they received my initial response and " everything is already taken care of '' XXXX XXXX XXXX - Late Fee incurred- {$39.00} XXXX XXXX XXXX - Interest charged- {$3.00} Exact Date Unknown - Call Chase again inquiring as to why I am being charged late fees on a locked card with active fraud charges. Told " it's only going to hurt you if you don't pay us the balance '' ( complete change in tone and message from previous call ). 
*Sometime after XXXX XXXX XXXX, transaction is dated XX/XX/XXXX on my statement - Original fraud charge of {$21.00} reversed. 
*Sometime after XXXX XXXX XXXX, transaction is dated XXXX XXXX XXXX on my statement- Late Fee of {$39.00} reversed. 
XXXX XXXX XXXX - 2x Interest charges reversed - {$0.00} and {$0.00} Summary : Original Fraud - {$21.00} ( fully reversed XXXX  months after initial charge, took XXXX  fraud alert confirmation and XXXX  phone calls prior to reversal ) Real Charge - {$3.00} ( Unsure, at the time if this was real or fraud ) Late Fees and Interest - {$72.00} total ( {$39.00} reversed ) Learned Chase had reported a late payment to my credit report associated with the lack of payment for XXXX  while the fraud charges were being disputed. 

XX/XX/XXXX- Told these reports are accurate and can not be reversed due to the {$3.00} charge that was made from a TV after the fraud alert was confirmed and the card was locked. Cancelled Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-28 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
1. tried to transfer money into coinbase XXXX  2. clicked the wrong button and knew this transaction would fail so I left all of the money in Coinbase XXXX  so it could be retrieved back by them once it failed 3. they are now trying to collect the money through a different website ( Coinbase regular ) and threatening to liquidate my holdings. They have not given me any option to use the actual money mentioned in point 2 sitting in coinbase XXXX which is from the actual platform the money was transferred, perfectly viable, and the right amount to settle all funds/clawback. I have spent several frustrating hours on their support line to try and fix this bug/issue with their system with over 7 support representatives. 
4. Given everything stated above, they are making the only way to resolve to send MORE money. They already have their money in coinbase XXXX so this is not necessary or ethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortgage with Ocwen servicing In 2014 I received XXXX IRS for {$57000.00} cancellation of Debt. Move forward XXXX I requested a pay off amount PHH Mortgage servicing has added the {$57000.00} back to my mortgage. I informed the escalation department of incorrect information amount. I am in the process of selling my house and now I have to go once again to inform of fraud behavior that PHH is continuing from Ocwen.

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 2022-01-28 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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