vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
The Bureaus did not properly investigate my account with DISCOVERBANK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the date of the last activity is not reflection on the payment history. The entire remarks for this account do not concur with each of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Paypal Holdings, Inc
State: NM

Complaint narrative:
In late XXXX, 2021, I tried to purchase {$820.00} tickets from XXXX XXXX using a newly opened PayPal account. After several days had passed and I hadnt received a reservation or confirmation code from XXXX so I contacted XXXX by phone. The XXXX representative said that they hadnt received the money from PayPal and would not give me the reservation until they did. I then contacted PayPal and their representative said they would not give the money to XXXX until they received the reservation from them. So I cancelled the order to PayPal and purchased the tickets directly from XXXX. When PayPal started billing me for this reservation by email, I contacted XXXX; but they said they couldnt help me since they dont deal with a third party credit company. PayPal is still billing me as of XX/XX/2021, for the {$820.00} plus late charges and interest even though Ive gone through the PayPal dispute resolution process, the dispute cases were closed, and I was given assurance of a zero balance in late XXXX by two different PayPal representatives in two different phone calls. I closed my account with PayPal in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A.
State: WA

Complaint narrative:
Recieved a letter from Scheer, Green, & Burke in XXXX, Ohio regarding a debt owed to XXXX XXXX XXXXXXXX XXXX for {$180.00}. This is impossible as I have not lived in XXXX XXXX for XXXX  years. I believe this to be a false claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX FIN-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-01 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: TX

Complaint narrative:
Equifax isnt fixing my credit report after I send in important documents to have XXXX accounts blocked and they are still showing on my credit file in my name which are XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
As for credit reporting, apparently only XXXX has reported XXXX debts : XXXX XXXX  XXXX which is the original creditor in the amount of {$1300.00} and XXXX XXXX XXXX  XXXX A which is the original creditor for the amount {$1200.00}. However, XXXX XXXX XXXX have established that they now have authorized, active collection authority for XXXX. 
Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. XXXX XXXX XXXX is has settled with XXXX XXXX XXXX for these two accounts and being paid every month until paid in full. 

I have on numerous occasions disputed this and nothing has been done. I also have a collection that has been paid off and still showing on the credit report as high impact. Please delete this account. It has been satisfied. 

At this time whatever credit that I had is currently under the auspices of XXXX XXXX XXXX XXXX which is a debt collection company, that settles your outstanding debt and is being paid monthly. Thank you/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, they claimed they were a debt collector, about an old debt I owed. They sent me an electronic document wanting me to sign it authorizing them to take bi-monthly payments out of my checking account till the debt was paid in full. 
Recently I needed to contact them in regards to an upcoming payment. I Googled their business name & found out they were not debt collectors at all, but a scam. I called them & told them that I would not be making any more payments & that they were a scam. They immediately hung up the phone on me. 
They started taking payments from my checking account last year starting on XX/XX/XXXX. Below is a list of dates and amounts that were taken out of my checking account. 
XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Financial Business and Consumer Solutions.
State: CO

Complaint narrative:
XX/XX/2018 and XX/XX/2018 letter submitting source documents ( postage for return on merchandise ). XXXX cards reversed the credit to my account despite proof that merch was returned. Since that time the " receivable '' has been sold at least XXXX times to collection agents. When I ask for source documents to prove that I owe the money, they sell the receivable to another collection company. Every time I get the dispute removed from my credit report, the receivable is sold and it reappears reducing my perfect credit to XXXX. It is the only credit blemish that I have and it reappears not matter what I do to remedy the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was wrongfully had my account closed on XX/XX/2022 by the fraud department of Bank of America. The female personnel of the Fraud department asked me a question harshly and rudely. I was the victim of a fraud who deposited three separate transactions equal to {$890.00}. I received a phone call from this fraud and I really thought it was legit. He send me a website in my cell phone and I opened it up, there was the actual form which I filled. I thought this form was actually legit. Then he called again and send this money in three separate transactions which came to a total of {$890.00}. This fraud stated not to touch the {$890.00} from my checking account. Then this fraud wanted me to go to XXXX and give him a call. I told him I was not feeling well, but then I thought about this process overnight and did not feel right about it. I called the real XXXX XXXX company and found out this man was a fraud. The loan was actually has been denied. But I was having issues with Bank of America online bankers not stopping the four lenders and all the money was taken including the {$890.00}. I received a negative balance. I told them to stop the allotment a week prior. The Bank of America online bankers did not credit me from XXXX XXXX for {$480.00} and then the second creditor which the online bankers failed to stopped is XXXX XXXX XXXX was taken the amount {$550.00}. That is the total of {$1000.00}. I had four lenders added to my XXXX XXXX ( Consolidated Debt Program ). When I attempt to call for the third time the woman from the fraud department called me rudely and boldly without trying to find out what really happened at my end. She harshly closed my account. I knew that there were communication between the online bankers and the fraud department. I am currently hurting financially because I do not have access to my funds from Bank of America. I was treated unfairly and I am truly am the victim. I had to call everybody from the Lease manager, utilities, insurance, etc. that was effected by this closure. The branch of Bank of America is in the process of trying to help me status with the status of my funds that was left in 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 monetary relief
Consumer complaint received 2022-03-01 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax/XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX 'S XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX B-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXC-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX HERITVOLKS-Date of inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXT-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: PA

Complaint narrative:
In XX/XX/XXXX, we purchased two tickets through XXXX to travel to XXXX. Due to the pandemic, the flight was cancelled. These tickets were purchased using our XXXX XXXX credit card. In XX/XX/XXXX, XXXX stated they were crediting a refund for the tickets in the amount of XXXX due to the pandemic and to allow two billing cycles for the credit to show on our XXXX account. In XX/XX/XXXX, the credit still was not showing on our XXXX credit card account. We contacted XXXX who insisted the credit had been placed back into our account. We contacted XXXX who stated there was no credit on the account from XXXX. After numerous phone calls and emails to both XXXX and XXXX, XXXX forwarded a statement showing the refund was placed back on the Visa XXXX credit card # XXXX, However in XXXX of XXXX, XXXX changed the credit card from a Visa to a XXXX. Upon talking to the representative from XXXX, we were assured that the credit would be corrected and we would be contacted within XXXX hours, Three times this was promised and it never occurred. The only correspondence we received from XXXX stated they could not dispute the original charge for the tickets. We never disputed the price of the tickets that we paid in XXXX and did not have a problem with the original purchase. We wanted the credit that was issued in XXXX of XXXX. We have spoken to numerous persons at XXXX, the last person told us that we could not speak to anyone else and that they would get back to us in XXXX hours and that was on XX/XX/XXXX and the management was reviewing. XXXX XXXX XXXX  was contacted and XXXX did not respond to their inquiry.

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I berly open a wells Fargo bank account and now they want to closed down my bank account by XX/XX/2022 because early warning consumer reports but I berly deposit a check from a worker 's compensation check for XXXX $ and want to know how will I get my money back or my check back please help me my full name is XXXX XXXX XXXX my social security number is XXXX am not sure why I keep getting denied for a bank account and wells Fargo approved me for a account and then decided to close it down by XX/XX/2022

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 2022-03-01 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:
Noticed 2 Bankruptcies on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: NY

Complaint narrative:
The problem Am having with Equifax is that this account is passed the statute of Limitations. Account Name : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2022-03-01 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: MD

Complaint narrative:
I have provided these companies with the documentation required to have accounts listed in the attached documentation, yet some accounts still remain. Ill, again, attach the documents designated to have the accounts reference removed in hopes they would this time follow the law and have it removed.

Company response to consumer: Closed with explanation