vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: VA

Complaint narrative:
Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

Experian Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX  account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX  and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I followed TD Banks offer to open a new TD beyond checking account ( XX/XX/2020 ), for new customers and I followed their terms, to be a new customer and receive direct deposits of {$2500.00} or more within 60 days of opening the account. I have had 4 statements now ( about four months since I opened the account ). I called first my local branch and they told me to just be patient, very rude and not helpful. Then about 2 weeks later I called customer service and they first told me I was not eligible and just danced around with excuses for why I would not get the bonus. Then I asked for a manager,  XXXX came on the phone and said YES I was eligible they just had to contact the promotions department. At this point I was over 1 hour into this on the phone waiting and talking to people. She finally came back reassured me that I will be getting the bonus. One week later and still nothing. I called again today, I was on hold again for about 30 minutes and could not even reach anyone. What person can spend this much time trying to get what they were promised? This is obviously FRAUD and they should be investigated, I want them to keep up their end of the offer, I should not have to even call once, this should be automatic, instead I believe they do this on purpose because who can spend hours on the phone hunting them down, most people would give up. I won't however!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 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: OH

Complaint narrative:
I have disputed multiple items with XXXX  & TransUnion and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like XXXX got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with TransUnion. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL

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 2020-07-03 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: OH

Complaint narrative:
I have disputed multiple items with XXXX  & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like XXXX got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL

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 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent Outsourcing, INC, Balance {$240.00}, reported XX/XX/2017, Original Creditor : XXXX. I have sent numerous letters to the credit reporting agencies, XXXX, XXXX  and XXXX. I have also reached out to the debt collector to no avail. I am in the process of purchasing my first home and the above account does not belong to me. I have filed a police report in the state of Florida, where I reside. I filed a report with the FTC and I have been battling this identity theft account it does not belong to me. Please delete this account from all credit reporting agencies.

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 2020-07-03 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:
i sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
To whom it may concern : Im writing regarding inaccurate credit reporting by the following company. 
Mariner Finance formerly known as XXXX XXXX  I am disputing this account to be updated as paid with XXXX balance. This account is currently reporting balance of XXXX delinquent and/or derogatory. Beginning XX/XX/XXXX this account had an active payment plan of XXXX per month which was never reported to credit bureaus. As of XX/XX/XXXX I ask to close account for remains balance of XXXX. I was decline offer ; offered a counter offer of XXXX additional to the XXXX Ive already paid. As of XX/XX/XXXX Ive paid a total of XXXX to this account. Ive paid this account off triple, by the law it required to report accurate credit information. I request accurate information is reported or this account be deleted from my credit profile.

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase agreed to defer payments for two cards due to COVID-19 hardship, one cards ends in XXXX. Chase did defer payments on the card ending in XXXX, but the one ending in XXXX shows past due and has incurred late fee ( s ). Upon contacting Chase the representative said that there is no record of deferment for card ending in XXXX and that Chase would not send one letter for two cards, rather one letter for each card. Therefore there is no requested deferment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Name is XXXX XXXX XXXX I am a victim of identity My credit is monitor for FREE for the being a victim of identity theft Experian was monitoring my credit for free. I never give Experian permission to charge me {$24.00} per month for service that I was getting for FREE. This credit report agency started to charge me {$24.00} in XX/XX/2020. I receive the monitoring service for FREE I never authorize for this credit reporting agency to charge my XXXX XXXX account every month for service that I received for FREE. I called the Experian credit services and ask for a refund and I was told that they were unable to give me a refund for the prior months. I contacted my bank about these unautorzired transactions and the case Id number with XXXX XXXX  is XXXX I spoke with XXXX with XXXX XXXX. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX I attempted to make an internet purchase via the XXXX   classified ads. 
I paid {$600.00} to a XXXX XXXX ( XXXX XXXX ) for the purchase of a kite. Soon after verifying payment, the seller claimed he couldn't access the funds and wanted me to send more. I identified this as fraud and immediately called paypal. Paypal will ONLY process customer concerns via chat, they claim their phone systems are " down due to covid. '' With every line of text, I am sent to a new agent, no progress is made. This happened countless times. 7 hours with customer service provided no results. At one point I was told I would be transfered to a resolution center, only to be met with a new agent requesting the discussion be started from scratch again. When i requested a transcript of the text, as. per their website instructions, my call was transfered, then abandoned. 
I found the resolution center on my own, filed a request for review at midnight, and it was closed as " resolved '' minutes later. 
Logs of all calls and text between Paypal and fraudulent seller are available on request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 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:
i sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.

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 2020-07-03 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:
i sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.

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 2020-07-03 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: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE. THIS IS FRAUD AT ITS FINEST AND DIRECT VIOLATION OF THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased some fireworks from XXXX XXXX on XX/XX/2019. 
Their was an issue with the mailing my order to my home due to the fact that they were hazardous, so I tried to change the address. After waiting several week, calling multiple times and emailing the company just to get bo response and no answers, the mailing Company told me that my order was sent back to XXXX XXXX!!! I called XXXX XXXX and finally got an answer, I asked " why hasn't anyone called me or emailed me about my order being sent back " and their response was " we thought you forgot ''!!! After all the frustration I had built up inside I still maintained my professionalism. I asked first if I could get my refund and they replied that " they don't think they can, because they don't keep their history of payments from customers ". Then I asked if they could send it back ... ..A year later I still haven't received ANYTHING!!!!! O just want my {$530.00} back!!!! I would like my {$530.00}, I spoke to the receptionist and the manager, and nothing has happened. I called multiple times, emailed yall multiple times and haven't got any response!!! I need my money back!!! The fireworks haven't been sent ... I haven't touched the box ... nothing!!! I don't want the fireworks just give me my money, THAT'S IT!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XX/XX/XXXX I noticed a $ XXXXcharge to my PayPal Business Credit Card . I called PayPal and was never given an opportunity to speak to anyone. I tried to make a claim on the website through the resolution center but since it was still pending the website would not let me make the claim. I finally got into a Chat-on-line and explained to the agent that this was an unauthorized charge, I think my card number has been stolen. They said since it was pending the merchant hasnt captured the payment. I asked if the card number was stolen and they said No. I again expressed concern that this wasnt right and they gave me instructions on how to claim on the website, which I said I already tried and it wont let me. I was told to wait for the pending status to change. So clarify Im told to wait to find out if my credit card number has been stolen, that is PayPals recommendation. 
On XX/XX/XXXX I get a new unauthorized charge. This time to XXXX for {$230.00}. Again, I cant dispute the charge because its still pending however this charge did completely wipe out {$140.00} dollars, I had in my PayPal account. 
This time I was just canceled my card on-line. 
Had PayPal closed the account, or stopped payment on XX/XX/XXXX with the {$0.00} charge, like I had requested the second charge of {$230.00} would not have been able to go through and my money would be accessible to me. 
PayPal was negligent in not taking my concern seriously the first time and has led to more unauthorized charges and inconvenience to me because I dont have access to my money that was in PayPal especially over a holiday weekend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.

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 2020-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I applied for this loan-I don't recall the dates specifically, XXXX or XXXX to pay up my car insurance, after an injury, and being off work. I believe I asked for {$3200.00} or {$3500.00} for the loan amount. I received the interest rate information, but I was in desperate need, so I agreed to it. In XXXX of XXXX, I was XXXX  XXXX  from my XXXX job, as a result of my VA doctor 's information to the Office of Personnel Mgmt , and lived for awhile on a monthly annuity. Well, the year is up and my annuity amount has changed DRASTICALLY. I'm now trying to get Social Security XXXX Insurance, and have to wait. In the meantime, I can't continue to pay for this NETCREDIT loan TWICE per month. I've written, them, I've called them, I've complained on their site, I've even submitted an email to their subsidiary XXXX, and kept getting error messages. I KNOW the loan is mine, I've been paying it off, AND the exorbitant interest rates. It's terrible that company 's like this can do this to the working poor. I waited for a long time before actually accepting the money, and they " hunted '' and quickly agreed to send it, but I knew THEN, I was in trouble. I'm NEVER gon na be able to pay this loan off! And it's ridiculous and unfair. I've worked 43 years of my life, and never needed one of these loans, and now I know I was right in my feeling of acceptance. PLEASE, TELL THESE PEOPLE TO JUST TAKE ONE PAYMENT PER MONTH. It's gon na prolong the loan, but at least I won't be afraid my necessary bills won't suffer as a result of this loan. NOW I pay my mortgage, car insurance, and bills. This is SURVIVAL MODE. I'm just asking for some assistance. And PLEASE, ask them to send me the TIME when the loan WILL BE PAID OFF! When I have been able to speak to a LIVE person, they've been very elusive about this information. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.

Company response to consumer: Closed with explanation