vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I have a loan with XXXX, BUREAU OF MED ECONCS, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BUREAU OF MED ECONCS, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I have a loan with XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, and NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I have a loan with RECEIVABLES PERFORMANC, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, RECEIVABLES PERFORMANC, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I purchased concert tickets on the XXXX website on XX/XX/20. The merchant ( XXXX ) had offered a refund due to COVID-19 ( which I elected to take ). The merchant refused to honor the refund request I had made through their website. I filed a dispute with my credit card company I used to make the purchase ( Discover ).  Despite submitting clear and compelling evidence that I was owed a refund, Discover upheld the charge, and now I have paid over {$1000.00} for concert tickets I can not use, sell, or exchange due to XXXX XXXX  policies. I strongly feel that Discover is complicit in defrauding consumers and must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are incorrect addresses that do not belong to me or may belong to a family member : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, XXXX OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are incorrect addresses that do not belong to me or may belong to a family member : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, XXXX OH 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 2020-08-18 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: OH

Complaint narrative:
This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

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 explanation
Consumer complaint received 2020-08-18 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: OH

Complaint narrative:
This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.  I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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: OH

Complaint narrative:
This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.  I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX XXXX ACCT # 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 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is in regards to Chase 's debt collection and credit reporting practices. I had a personal credit card with Chase, on which I had not made a payment due to a long-standing ( and well documented and sent along to Chase ) issue receiving mail at my address. I then received multiple phone calls from a debt collector misrepresenting herself as a representative from " Chase Business Banking '' on multiple voicemails, despite calling me about a personal card. I checked my business accounts and found them to be in good standing. I also attempted on numerous occasions to contact this agent through the phone number she left for me, but she did not answer any of my phone calls, or return any of my voicemails at the times that I indicated I would be available. It is possible that some of these phone calls were made to me before XXXX XXXX, but I can not validate this without the Chase phone records. These phone calls directly led to my being unaware of this debt, and in fact, as soon as I was made aware, the balance was paid off in full. This misrepresentation of facts directly led to interest, late fees, and most importantly, negative credit bureau reporting actions to be taken against me. This misrepresentation is an Unfair and Deceptive practice, which has clearly led to negative consequence for me. I have made numerous attempts to have Chase representatives look into this, both by phone and email over the past few months. On every occasion, Chase has steadfastly refused to answer any questions about these phone calls which directly led to my late status, and at least 2 Executive Office representatives admitted into not investigating despite my consistent prodding. 

Additionally, after making a payment in full through the Chase website, my account continued to negatively accrue late fees and interest. I flagged this issue to multiple Chase representatives who, ultimately, agreed that this was a process error and waived all of these charges on my account. Despite this, Chase AGAIN reported this account as late to the bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a loan with Amex. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Amex with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I was served paperwork for me to go to court for a medical debt. I immediately got ahold of Wakefield and Associates to try and setup monthly payment. We agreed on {$200.00} a month. So I made a payment for the next two months without any payment voucher or notice that I was paying my debt. I asked them repeatedly to send me a monthly bill and they have not been working on it. So I am not going to pay someone blindly without any proof that I am lowering my balance. I was mailing in money orders for over 2 months after the first payment voucher was received from them. I had to mail it to them with just a address and I was not sure if they were crediting my account. I stopped doing that and again asked for a payment voucher and they were not able to do that. They told me that I wouldnt have to go to court for the doctor bills. Now I have found out that they went to court without my knowledge and I have a judgment against me. They are very rude and they dont have a soul. I dont know what to do now. I paid {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX, last month I tried sending money and I made a mistake on a WesternUnion transfer. I was told to go to the XXXX I had originally done the payment to get my refund, however, there was always a error message. I called WesternUnion and they told me I had received the refund which isnt true. The man I spoke to told me to a expect a call to do further investigation, but its been weeks and I still havent heard back. The tracking number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX or XXXX, I noticed that I had a collection reported in the amount of {$5100.00}, which is the original amount. The updated amount with fees is now {$5400.00}. I immediately did a 3-way call and contacted my insurance company and the hospital listed on the report, because I knew there was clearly an error. After the XXXX XXXX representative and a representative from the billing department at XXXX XXXX came to the conclusion that there was indeed a billing error and XXXX XXXX paid the correct amount, the XXXX XXXX representative requested my medical medical claim processing record, which was sent to her on XX/XX/XXXX via email. The representative then responded saying that they will contact the collection agency to remove it from my report due to the error. However, when I checked my report it shows as closed instead of it being removed. I contacted the hospital again and was advise to dispute directly with the bureaus. I disputed online but they were only updated and one showed as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested the opening of a checking account through TIAA Bank. Even though my application went through and I was waiting for a final decision ( I don't know who makes this decisions ) someone at TIAA canceled my application. I was never advised why my account had been denied from opening. I had to login myself only to find out this person made an unreasonable decision. Never received " adverse action '' to find out and have a little of details on why my application was denied. 

Furthermore, I held an account before with TIAA Bank, more than a year ago. I opened it without any kind of trouble, this time the human being who checked my application approved me and I was able to enjoy of their benefits for a short period of time. It wasn't until a company that owed me money sent me a fraudulent check that was deposited in my XXXX XXXX  account ( still current bank, because real humans work there ) and I decided to take my business to TIAA,  again, because of their benefits. I right away deposited a personal check for the amount of pending funds plus amount on account ( XXXX XXXX ) to TIAA, to start my business with them, but unfortunately check never posted due to my Bank couldn't verify funds and didn't approve the transfer to my new Bank ( TIAA ). My account was closed, customer Service worthless, don't understand, don't believe in anyone, rude people, told me to try again applying for a new account, they can't reopened it because it was closed already, worthless people who by the way had the power to reopen account and didn't do it just because 1 single and simple error, the worst Bank ever at the moment and how I will call it in social media and the internet from now on because I will make my job for the American people to know what kind of Bank is this. 

All in all, waited all this time for that bad remark to go away and wanted to give it a try again, looks like I'm still wrongly flagged and I can't open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: MIDFIRST BANK
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

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 2020-08-18 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: PA

Complaint narrative:
XXXX XXXX place a collection account from XXXX on my credit report I put in a dispute with Experian and let them know it was a case of fraud but they didn't remove the account. This account doesn't belong to me someone used my name without my permission.

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 2020-08-18 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: CONDOR CAPITAL CORP
State: MA

Complaint narrative:
XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-18 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS XXXX XXXX Case. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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
State: CA

Complaint narrative:
Approximately between XXXX XXXX, I contacted PayPal through its fully controlled communications system. Therefore an exact date is unavailable on my end. When the initial email was made to PayPal a response was made, but to my surprise, they are automatically destroyed and can not retrieve any information. Further, what I recollect from the email response was for me to contact PayPal via phone. Which was done on or approximately XXXX XXXX? 

Contacting them only led to long automated responses and ending with " Paypal is not available at this time, please try your call again later ''. 

Today the XXXX, XXXX I attempted to retrieve my account, of which the original emailed expressed that I no longer had my old cell phone number, therefore I could no longer retrieve my account. On XXXX XXXX, at approximately XXXX hrs, I attempted to submit another support communication ticket regarding the issue. But after writing down an extensive explanation of my problem, their portal caused an error of some sort. This has caused frustration and lost time and XXXX   inaccurate information to retrieve accounts in industry-standard form has created further delays and problems. I'm only looking to access my account without further delay or automated problems that fur4ther cause delay.

Company response to consumer: Closed with non-monetary relief