vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Contacted Experian XX/XX/20 XXXX XXXX  CST, and spoke with a representative in which asked questions about why a closed account consistently reporting late and showing an increased past due balance. The representative advised the account was currently under investigation, and I will receive an update within 30 days. I received an email alert stating the dispute is now open on XX/XX/20. A couple of hours later I received an alert stating the dispute was completed, and another alert stating an update on the dispute. After checking the before dispute in comparison to the after dispute ; the account was updated as verified and balance increased by {$1.00}. How can a dispute be verified, updated, and balance increased by {$1.00} in the same day? According to Experian ; In most cases, disputes are completed within 10-14 business days and quite often within two to three days. Results were provided within hours without any method of verification. In this case, the representative had the ability to change the amount by {$1.00} upon what authority, or legal aspect?

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 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
The XXXX XXXX XXXX  XXXX XXXX XXXX opened a company account in PAYPAL in XX/XX/2019, in order to receive payments from the offer of services such as training courses. 
At the time of opening, the balance could be withdrawn by credit card. However, it is important to note that this information is not easy to find and is not discussed in the terms and conditions for opening the account. 
Currently, it is not possible only through a bank account in the United States and by check. The Foundation can not open a bank account in the United States. 
We have written 3 times in the last month, through the messaging service to ask the bank that issued the check to be able to cash it in XXXX, before requesting the balance by this means. 
As they do not respond to us, we directly try to request the balance by check and we were surprised to verify that it is not possible to withdraw this balance by this means either. 
We demand the return of this balance immediately. 
We have screenshots that show what was said.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
Google XXXX has been deleting my bad reviews of apps from XXXX. I find that XXXX apps are scams that steal information about me that is stored on my phone or other app accounts. There have also been false claims of winning money to watch commercials. A lot of these commercials lead to scam websites for jobs that want money to hire you. And loan apps that lead to unwanted phone calls and texts. Google XXXX  also places apps on my phone without my permission that it won't allow me to uninstall. Like XXXX apps that can be gotten from The XXXX XXXX app store

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TX

Complaint narrative:
I have disputed XXXXXXXX XXXX XXXX off of my credit but Experian keeping it on my credit. These are false accounts i have nothing to do with. Experian is violating my credit rights.

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 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I received a collection notice today ( XX/XX/2020 ) from Design Receivable Solutions dated XX/XX/2020 regarding a medical bill in the amount of {$300.00} from XXXX XXXX XXXX XXXX. Ive received several blank statements with no explanation of what this amount is from. An attorney also requested this same information as well on my behalf. To date, I have not received any back up information about this bill and I can not verify that it even belongs to me. This mystery bill showed up after I paid out of pocket for my first XXXX session ( {$1300.00} ) and my insurance ended up paying for this XXXX session and I was entitled to a refund. Instead, XXXX XXXX kept my money even after my insurance paid them as well. This bill is a mystery. They kept sending a blank statement with no explanation and now they sent me to collections! How about sending me the proper back-up to myself or the attorney that requested the information. Taking advantage of a XXXX patient is shameful!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a question with my cash app so naturally I thought that they had a customer service #. So I found a number that was associate with the Cash App name and Logo on XXXX and I called it the number is XXXX and this number is still available online. I called them and they told me that they needed me to log on to my android phone so I downloaded it. They logged on to my phone and gained access to my cash app and told me that they need to put in a code of numbers to correct the issue. They put in {$530.00} and sent it to XXXX XXXX. tag ID : $ XXXX then they put in the amount of {$770.00} to XXXX XXXX. tag ID : $ XXXX and another amount of {$870.00} also I questioned them repeatedly and they assured me that the money would return and that this was just a code. Then when the transactions completed they hung up. I called back and they went in my phone to try to cancel the transactions. I was robbed for {$2300.00} dollars and am struggling with bills and about to go crazy! How can a fake company use another company as big as Cash Apps name logo and be on XXXX to steal peoples money and not be taken down from the internet?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
{$860.00} XX/XX/2018 no notice of debt or verfication of account or debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 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: CA

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

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

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

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

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

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


-- XXXX XXXX 8. XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CA

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

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

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

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

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

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


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
{$860.00} XX/XX/2018 no notice of debt or verfication of account or 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 explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: U.S. BANCORP

Complaint narrative:
I have received a secure message from US bank as I attached the email. 
But the site is XXXX XXXX site. 
I tried to register as a member on cfpb 's site, but I couldn't do it. 
Also I tried to login on your site with the password what I got impormation from U.S. bank but it didn't work. 
Please let me know why it is not U.S. bank 's site, and I sould follow the direction or not as soon as you can then I'd really appreciate it. 
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 non-monetary relief
Consumer complaint received 2020-08-21 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: DISCOVER BANK
State: FL

Complaint narrative:
I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX   has not responded to my request nor have they removed the remark. XXXX  and XXXX  have both responded and both removed the negative remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a notice from Aamco/Synchrony Car Care dated XX/XX/2020 stating my credit limit was being lowered from {$1000.00} to {$620.00}. The letter also stated they lowered my limit based on a credit score of XXXX and multiple derogatory and delinquent marks on my XXXX  credit report. I contacted XXXX  who stated that at no time did my credit report reflect a credit score of XXXX nor do I have any derogatory marks ( except currently Aamco/Synchrony ) due to their balance decrease.My credit score is XXXX and was XXXX on the date the company claims to have been provided that score. I tried to call and have my credit limit reinstated and was told I would have to take it up with XXXX. As stated, XXXX  stated and provided a copy of my credit score that at no time current or past was my score XXXX. I have had the account for over a year and have never been late on a payment. There was no reason to decrease my credit line, let alone state they pulled 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 2020-08-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased XXXX XXXX running shoes on XX/XX/2020 for an ultramarathon race. Testing shoes requires running many miles in them to see if your feet adjust to it. After trying the shoes on several outdoor trails, I developed pain after running 15mi in them, so I tried taking back to the running store, but they can not take it back because they've been worn. 

So I attempted to use Return Protection Benefit on my Chase Sapphire Reserve card. My claim was denied because they said this benefit was not on my account at the time of purchase ( XX/XX/2020 ). 

I dispute this because I've had this card for a while and I have not received any notice saying that this benefit was going away. 

I paid {$100.00} plus tax for these shoes, and I wish to use the Return Protection Benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
This complaint is related to GM Financial XXXX, address XXXX XXXX XXXX XXXX TX, XXXX. GM Financial is overcharging and passing on unfair charges to its consumers. 

This unfair charge is called the " Disposition fee. '' After collecting the payoff amount in full, taking the lease vehicle back, charging for excess wear and use charge, GM still charges the consumer a " disposition fee '' so they can prepare and sell the vehicle. After the consumer returns the vehicle to its owner, the owner is charging the consumer to sell the vehicle via an auction. In other words, the consumer is responsible for a fee, so the owner does not have to absorb the cost.

Even after purchasing and leasing the third GM vehicle, this has not come up before, because " The Deposition Fee '' was waived for purchasing or leasing another GM vehicle. However, the " Disposition Fee '' is not waived if the consumer does not purchase or lease another vehicle from the same company. In other words, the consumer is penalized for not purchasing or leasing another GM vehicle for any reason, i.e. the consumer does not want to purchase or lease another vehicle, the consumer can not afford to purchase or lease another vehicle, etc.

Finally, even after executing three purchasing transactions with GMC, we have not been aware of the " Disposition Fee ' because it has not been explained or pointed out appropriately in each lease agreement. It has not explained either the " Disposition Fee '' is a kind of fee that is subject to additional taxes which resulted in an additional {$40.00} charge. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: DC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed multiple unauthorized Inquiries that I had no knowledge of on my credit report, I then sent a certified letter to Experian on XX/XX/2020 requesting for a full investigation to determine who authorized it and upon completion asking that they then provide written correspondence that detailed results to their finding. I feel there was not a full investigation completed because the certified letter was accepted and signed to Experian on XX/XX/2020 ... I then received an email stating that my Dispute Results for report XXXX were ready on XX/XX/2020 and that they were not available online and to call a specialist and when I did call the specialist he did not give me any detailed outcome of my results but instead told me that he can send me a copy of my credit report to dispute any inaccurate information when in fact I called for my dispute results regarding inaccurate inquiry information.

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