vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX  Charge off balance {$0.00} On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX  Charge off and sent a response on XX/XX/XXXX with the account showing different information than what is being reported. In the account history it shows that actual payment was made on XX/XX/XXXX in the amount of {$34.00} but on my report shows the date of last payment is on XX/XX/XXXX. Which does not make any sense. Also the account is not being reported twice. Follow up letters were also sent on XX/XX/XXXX, XX/XX/XXXX with a Complaint sent in here on XX/XX/XXXX and another letter sent to them on XX/XX/XXXX. 

XXXX Charge off with a balance {$3100.00} On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX Charge off with a balance {$3100.00} and sent a response on XX/XX/XXXX with the account showing different information than what is being reported. In the account history it shows that actual payment was made on XX/XX/XXXX in the amount of {$72.00} but on my report shows the date of last payment is on XX/XX/XXXX. Which does not make any sense. Also the account is not being reported twice. Follow up letters were also sent on XX/XX/XXXX, XX/XX/XXXX with a Complaint sent in here on XX/XX/XXXX and another letter sent to them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I have my XXXX  credit report from XXXX 2020. It shows the list of accounts that were deleted, yet the other bureaus were not updated. I made contact with the creditors to ask for a deletion letter to be sent to the other bureaus. The gave me the complete run around. They do not have the correct address or phone number for me, the account number I gave them did not pull up in their system, they had to use my name to find it. I advised this could be why they sent deletion status to XXXX  because when my dispute was received they had no information to pull the account up. The account was NOT verified in their systems. 

Credit Collection Service : Acct # XXXX -- {$110.00} XXXX Spoke to XXXX the supervisor, who advised that a dispute was received and a response was sent to the bureau as invalid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: NY

Complaint narrative:
I was told by a representative that the payments were not late and no late fee charged, but credit report states two late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was told by a representative that the payments were not late and no late fee charged, but credit report states two late payments.

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 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: UT

Complaint narrative:
In XX/XX/2020, I discovered my debit card number had been stolen, somehow, and used for fraudulent charges overseas. I can't travel - ever - due to XXXX. I am single and do not let anyone else use my card. The card itself was not stolen - just the data. Someone used the data to steal funds from my account in the form of cash advances. I immediately notified the company the second I found out about the fraudulent charges. The company sent a form to me to fill out, which I did and immediately faxed it back to them. The gave me a " temporary '' credit. I just found out today this company reversed the credit without providing any explanation. I tried to reach the company through their 24 hour number. I never got to speak to a live person. I tried to get through after pressing the required number to reach a person for over 2 hours listening to hold music. No one ever answered! Also, I attempted to contact the company regarding the fraud charges last month and never could get through to a live person to discuss the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}, {$0.00}, {$8600.00}, {$5000.00}, {$6800.00}, {$670.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

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

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


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


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


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -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 2021-01-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}, {$0.00}, {$8600.00}, {$5000.00}, {$6800.00}, {$670.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

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

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


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


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


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: NY

Complaint narrative:
I am a victim of identity theft

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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
as stated before, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
shopped in gap end of last XX/XX/XXXX than in XXXX I left the country. 
While I was in XXXX, country lockdown due to covid_19 on XXXX XX/XX/XXXX I was stuck in XXXX 8 month. 
Finally, I was able to come back to the XXXX on XXXX XX/XX/XXXX Soon as I saw the bill from Gap, I called them and explained to them about the situation I was in due to covid_19. then I send them a check and nice later again explaining my situation and I ask them to forgive the intrust money they have added in. after all my payment was let because I was stuck in XXXX. 

After that, I thought my case is resolved, but the phone call continued for a debt collection agency. finally, I spoke with the lady in the Synchrony bank explain to her everything I want true and I made the payment directly to the Gap. She was cooperative and understanding I thought the case is resolved, but no, I just find out your company has scrod up my credit score and thats not a kind act at this point. 

Please check all my document I am sending you and close down my Account so my credit score can go to normal 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 monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A buyer purchased a digital download code from me on XXXX and paid through PayPal on XX/XX/XXXX. Code was delivered to her at XXXX on XX/XX/XXXX. Buyer redeemed code and so is no longer eligible for return. On XX/XX/XXXX, buyer filed an unauthorized transaction through PayPal. PayPal gave her the money back plus charged me {$15.00} in addition and did not return my property. 

When I filed a dispute with PayPal, they told me intangible goods are not covered by their seller 's protection policy. This is untrue. The Seller 's protection policy is located here XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and states " For intangible or digital goods : You must provide compelling evidence that the intangible item or digital good was delivered or provided as described '' I provided compelling evidence as described, including an XXXX message received from the buyer asking me to send the download code and an XXXX  message from me to the buyer sending the code. The buyer redeemed the code and had access to both her PayPal and XXXX  accounts and I should not be liable for the charges. 

When I contacted PayPal, they changed their tune, and no longer said intangible goods were not eligible. They said they couldn't do anything because the buyer 's credit card was refunded. I had no contact with the buyer 's credit card, and the whole point of the seller 's guarantee is to insure buyers can not just turn around and ask for a refund from the credit card after stealing the item from the seller. 

I would like a refund from PayPal for the charge as well as for the additional charge they're charging me. 

Case ID : XXXX Transaction ID : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for and opened a Bank of America XXXX XXXX Banking Account. I used the promotional code XXXX when opening the account. It had been more than 6 months that I last owned a Bank of America checking account, so I qualified for the promotion. After I had met all the terms of the promotion, I did not receive the {$100.00} bonus that was supposed to be deposited into my account. I called Bank of America twice to inquire about this -- once on XX/XX/XXXX and on XX/XX/XXXX. In the XX/XX/XXXX call, the representative was very unhelpful. In the XX/XX/XXXX call, I was given a case number that I could use for tracking my escalation. I have not received the {$100.00} that was promised.

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 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru Midland Funding. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) Midland Funding directed me to call XXXX XXXX XXXX XXXX XXXX and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 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:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is XXXX XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: NJ

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}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/2017 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 2021-01-16 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: NJ

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}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I transferred XXXX points from my Chase XXXX Rewards account to my XXXX XXXX account in order to book a reservation. Due to COVID restrictions in the area this reservation needs to be cancelled. 

On XX/XX/2021 I contacted Chase to have the points returned to my Chase account but they state that they are unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I transferred XXXX points from my Chase XXXX Rewards account to my XXXX XXXX account in order to book a reservation. Due to COVID restrictions in the area this reservation needs to be cancelled. 

On XX/XX/2021 I contacted Chase to have the points returned to my Chase account but they state that they are unable to do so.

Company response to consumer: Closed with non-monetary relief