vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Trip paid to XXXX XXXX in the amount of {$3000.00} on XXXX XXXX 2020. Trip was cancelled by merchant ( XXXX  XXXX ) prior to trip departure date. 
Merchant cancel date : XX/XX/2020 XXXX dates paid for : XX/XX/XXXX - XX/XX/2020 XXXX services were rendered by the merchant. Refund requested but merchant would not provide refund for services not rendered. 
I contacted my credit card company, Barclays - XXXX XXXX XXXX XXXX Mastercard and discussed the dispute. 
I was informed to fax and mail in documentation. Documentation faxed XX/XX/2020 and put in USPS same day. 

I recently received an outcome letter that " they are unable to pursue credit on my behalf and that the merchant would be issuing a future travel credit. '' This is unacceptable. The merchant violated the contract by cancelling/not rendering services on the contracted date. My credit card company is not acting on my behalf in rectifying this billing dispute. This was a family trip. My sister, who filed a dispute through XXXX XXXX, has already received her refund. 
No manager is available to assist with dispute at Barclays - XXXX XXXX XXXX XXXX Mastercard and there is an estimation that I would receive a call from Barclays - XXXX XXXX XXXX XXXX Mastercard in 5-10 business days. Barclays - XXXX XXXX XXXX XXXX Mastercard is not resolving the issue with the 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 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I checked my credit and saw an old bill for Credit Collections USA LLC from XXXX XXXX XXXX XXXX in XXXX, FL in the amount of {$130.00} and from XXXX XXXX XXXX for {$220.00}. I never received the original bill as there were a plethora of mail related issues. I called the number associated with the both doctors office ( XXXX and XXXX ) and spoke with billing. 
I explained that I would like to take care of my bill for the physician. The balance is on {$0.00} for XXXX XXXX XXXX and the billing rep stated the bill was really old and would have been written off by the end of the year. She also said it should not be reporting on my credit because its very old. 
The billing XXXX at XXXX XXXX ( XXXX XXXX ), XXXX, stated XXXX XXXX no longer worked there and his private practice was dismantled when he joined a new practice. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone and there was no credit reporting for balances owed. 
I called XXXX XXXX and spoke with the collections supervisor, XXXX. She told me they would not delete the trade lines that are being illegally reported because the debts are no longer valid is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credits, Incorporated
State: OR

Complaint narrative:
Credits inc. have been garnishing me for months and have took thousands! I know for a fact that multiple judgements are lumped together and I have no way of disputing any of them! I dont know what Im getting garnished for and. I body will tell me anything. I can not support my family! I cant get on food stamps, I cant get supplemental ANYTHING. Im robbing XXXX to pay XXXX. My home was in foreclosure and Im starting to loose my everything. Please, agreement other than them stealing what I work hard for, food off my table, clothes off my kids backs! I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX could not obtain my credit score from equifax and alerted us to contact them on XX/XX/XXXX. I called equifax spent about 2 hours with them on the phone and submitted documents by mail because they would not accept them any other way. 
Reached back out to equifax on XXXX and spoke to XXXX. Could not get any information about whether or not my letter had reached them and could not get them to release any of my information to me. 
Called again on XXXX and had the same experience as on XXXX. Spent approximately 2 hours on the phone with XXXX. I provided her with my information over the phone but she still would not release my credit score or give me any information to help them other than to resend the documents. Was told my original letter had still not arrived and I decided to mail another copy. 
Called again on XX/XX/XXXX. At this point we were in danger of losing our refinance with XXXX because equifax would still not release my information. Spoke to XXXX and XXXX and was told that they still had not received my letter. Was on the phone for at least 2 hours. Was told that they had not received either letter I had sent and would not accept my info any other way. 
Called again on XX/XX/XXXX and spoke with XXXX, XXXX, XXXX  XXXX. Was told that I could expect a copy of my credit report but they would not release info to me over the phone and would not set up an account for me online to view. Neither copy has arrived according to them. XXXX cancelled our refinance opportunity. 

Could someone please help me. I feel like I have run out of options in communicating directly with equifax and need a 3rd party to mediate. As it has now been 30+ days since my initial contact with them I feel like this is justified. 

This is the address I was provided to send my documents : Equifax Info Services LLC Attention Equifax dispute dept XXXX XXXX XXXX XXXX, GA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Due to COVID-19 there was a extension put onto my account for 2 months. I was never informed that it would impact my credit due to the extension. I now cant get into my new place because my credit went below a XXXX due to this. 
I called them I'm not getting no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have requested Loan Modification on my first mortgage, from Chase Bank, ( loan #  XXXX ) on XX/XX/XXXX. I have been a chase customer for almost 15 years, and have paid on time, and just requesting a longer term and/or a lower interest rate to make it easier to make payments due to corona impact. I have submitted requested documents 6 different times between XX/XX/XXXX and XX/XX/XXXX ; each time I get a call back from the " relationship XXXX '' with questions from the underwriter. I explain the answers, and she then speaks with " underwriter ''. Based on her questions, and underwriters response, neither understand some basic accounting practices ; each time I answer their question, or submit a document, they ask a completely different question about the same thing, seemingly not understanding how my real estate is owned, what a schedule " E '' is ; what a profit and loss statement is, nor understanding that leases can be renewed on line through out payment portal/website.They have the tools necessary to see proof of all my income and expenses ; they have a report of all rents paid, they have the bank account showing the deposits, and the tax return reflecting the income. They have original leases, and a printout from the tenant portal/website showing the lease dates, which are acknowledged by the tenant if/when they renew. in the 21st century, rents and leases are done online, and if they connect the dots they see it all agrees, and the income is deposited and reported as stated. 
I have the feeling they are making this as difficult as possible to avoid make any adjustments, and trying to assist long term customers.I would like a review of all the documents ( some of which they claim they don't have, but their site has acknowledged ), I submitted, by someone who has some better understanding of IRS requirements, and basic accounting. Their approach is shameful, disrespectful, and makes a mockery of a simple process into a very difficult one because they seem unqualified to be in the positions they are in.Chase has a moral responsibility to be more accommodating and responsible to their customers, long term or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
For the past four days ( XXXX XXXX, 2020 ) I have been trying to use XXXX to transfer money ( USD to XXXX  ) from my PNC account to my fiance 's XXXX bank account via bank debit ( ACH ). I have done this several times before with no problems, but now it keeps saying that XXXX is " having connectivity issues with PNC '' and I have not been able to transfer the money. This is becoming a huge problem and my continued attempts to try to straighten it out via the PNC website have only resulted in wasted time and continuous prompting to use a third party app I have never heard of before to do an external transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT DISCHARGED XXXX see attatched USAA Confirmation of Settlement USAA XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) USAA HAS DESTROYED MY CREDIT FOR YEARS. USAA COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on XXXX  XXXX. It was Opened XXXX & shows a different account number on XXXX Report. 
This account is NOT OWED OR DELIQUENT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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:
See attatched XXXX IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT XXXX XXXX see attatched XXXX Confirmation of Settlement XXXX XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) XXXX HAS DESTROYED MY CREDIT FOR YEARS. XXXX COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on XXXX XXXX. It was Opened XXXX & shows a different account number on XXXX Report. 
This account is NOT OWED OR DELIQUENT!

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 2020-05-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
The Georgia Department of Labor requested a WAY2GO card on my behalf on XXXX XXXX. I never received this card. I called this company in XX/XX/2020 to inquire about the card. I was told that I could pay XXXX to have the card expedited with 2 day shipping. So I agreed to do that, however I NEVER received the card or any tracking information about the card. I have tried to call WAY2GO card services, but have been unsuccessful. They either hang up immediately or put you hold for hours and then hang up! This has caused my family and I undue stress. This company WAY2GO is a  subsidiary of Conduent company I have tried to reach out to them as well but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter to TransUnion over a month ago, didnt hear anything back, so i sent a 2nd letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent 2 letters and i have not heard anything back  from them!

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received an old bill for XXXX XXXX XXXX MD in XXXX, XXXX. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received an old bill for XXXX XXXX XXXX MD in XXXX, XXXX. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
I sent a letter to XXXX  over a month ago, didnt hear anything back, so i sent a XXXX letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent XXXX letters and i have not heard anything back from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX and XXXXr all ftc violations The Federal Trade Commission has charged the XXXX XXXX with falsely promising consumers they would receive a loan with no hidden fees, when, in actuality, the company deducted hundreds or even thousands of dollars in hidden up-front fees from the loans. 
of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
The FDIC says the XXXX units violated the Federal Trade Commission Act by falsely : Telling customers they wouldn't be charged a fee if they didn't carry a balance. Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.XXXX XXXX, XXXX USA : FTC closes XXXX XXXX investigation into alleged stolen client information Financial ServicesPrivacyEnforcement The Federal Trade Commission ( FTC ) sent, on XXXX XX/XX/XXXX, a letter announcing the closure of an investigation into allegations that a XXXX XXXX XXXX XXXX XXXX employee misappropriated client information and transferred it from the XXXX XXXX computer network to a personal website accessed at work, and then onto personal devices ( 'the Letter ' ). The Letter states that XXXX XXXX XXXX   data security practices may violate Section 5 of the FTC Act and claims that an employee stole client information that later appeared on multiple internet sites. 

The Letter lists the FTC 's reasons for closing the investigation, including the fact that XXXX XXXX had already implemented policies designed to protect against insider theft of personal information. 'The FTC 's decision to close the investigation should not be construed as a determination that a violation did not occur, just as the pendency of an investigation should not be construed as a determination that a violation did occur [ ... ] The FTC reserves the right to take such further action as the public interest may require, ' the FTC said.

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 2020-05-26 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX  and XXXX  all ftc violations The Federal Trade Commission has charged the XXXX XXXX with falsely promising consumers they would receive a loan with no hidden fees, when, in actuality, the company deducted hundreds or even thousands of dollars in hidden up-front fees from the loans. 
of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
The FDIC says the Comenity units violated the Federal Trade Commission Act by falsely : Telling customers they wouldn't be charged a fee if they didn't carry a balance. Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.XX/XX/XXXX USA : FTC closes XXXX XXXX investigation into alleged stolen client information Financial ServicesPrivacyEnforcement The Federal Trade Commission ( FTC ) sent, on XXXX XX/XX/XXXX, a letter announcing the closure of an investigation into allegations that a XXXX XXXX XXXX XXXX XXXX employee misappropriated client information and transferred it from the XXXX XXXX computer network to a personal website accessed at work, and then onto personal devices ( 'the Letter ' ). The Letter states that XXXX XXXX 's data security practices may violate Section 5 of the FTC Act and claims that an employee stole client information that later appeared on multiple internet sites. 

The Letter lists the FTC 's reasons for closing the investigation, including the fact that XXXX XXXX had already implemented policies designed to protect against insider theft of personal information. 'The FTC 's decision to close the investigation should not be construed as a determination that a violation did not occur, just as the pendency of an investigation should not be construed as a determination that a violation did occur [ ... ] The FTC reserves the right to take such further action as the public interest may require, ' the FTC said.

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX   XXXX {$250.00} XXXX  XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, NA XXXX {$240.00}

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 2020-05-26 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX   XXXX {$250.00} XXXX  XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00}

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