vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: AZ

Complaint narrative:
On XX/XX/XXXX I paid off a collection XXXX XXXX XXXX  in the amount of {$330.00}. They agreed to report to all 3 major credit bureaus that the account was " paid as agreed '' and to have to have it permanently removed from my credit report. So far the only bureau it has been deleted from is XXXX XXXX. XXXX and Experian it is still showing as UNPAID. I have called the collector and the amount was paid on XX/XX/XXXX. It's almost been a month and I would like to have this trade line permanently REMOVED from XXXX  and Experian. I have a attached 4 documents. ( 1 ) A photo copy front and back of check, ( 2 ) a screen shot of USPS proof that it was delivered, ( 3 ) a screen shot from XXXX showing it is STILL showing on my credit report, ( 4 ) and a screen shot from Experian showing it is STILL showing on my credit report. Thank You.

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 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CUSTOMERS BANCORP, INC
State: AL

Complaint narrative:
How much did you all send after both savings and checking paid out and how much was sent from each account, and when? You are required by law to give me the amounts, and when those funds were mailed out. On recordings today, no one was able to give me any info. I was promised I'd get the funds, on recordings, by XX/XX/XXXX. You cut off access to where I can not see what funds were legally available, and legality dies in darkness ... and you all hoped to kill me or wear me down due to my XXXX. You all closed my account due to about 8 fraud claims, which you all admitted was fraudulent ... my identity has been hacked 3 times over 2 years ... you all didn't care, because I'm simply a XXXX American, my wife, a XXXX Veteran ... and we are utterly useless to you all. You say to report fraud, but on recordings, you all stated that I had too many legitimate claims and therefore, you all illegally closed my account, and made sure I had no way to access the account, in order to observe your illegal behavior in regards to my checking and savings account ... and the only funds that went into account was Social Security XXXX Monies ... and today, no one can tell me how much was in each account, and when checks were mailed out to me! I want answers today. You say it was all negative on XX/XX/XXXX ; however, on XX/XX/XXXX, on a recorded call by me, I was told over XXXX bc refunds kept coming through, and savings, I was told had over XXXX. XXXX told me those amounts, while XXXX told me today, lies. Also, they will not let me see my account to dispute anything, and they will not give me access to any of my statements for this entire year. 
Thank you for your time. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Initiated & Submitted an atm dispute for {$300.00} on XX/XX/2020. I received an email confirmation of receipt of my dispute form. The representative & email both stated that if the atm dispute investigation wasnt completed within 10 days Id receive a provisional credit by the end of the XXXX day ( business days ). On the XXXX business day ( XX/XX/2020 ) nothing had been credited so I called chime and 1st spoke with a dispute consumer rep was told for some reason, my claim wasnt filed. Went ahead and refiled claim and told AGAIN that if dispute investigation was not completed sooner Id receive the provisional credit in XXXX business days. I explained that {$300.00} was for my cell phone bill and was lucky that my carrier understood what happened and gave me an additional 2 weeks to pay which is up 2 days from today. But now Ill have to wait another 10 BUSINESS days which is almost 2 weeks more! I asked to speak with a manager or supervisor because this is unacceptable. After speaking with manager/supervisor she said so sorry I dont know why this happened but I cant do anything about the provisional credit u have to just wait. I again explained I will lose my cell service because I cant pay my bill by the extended date and will lose service for which I need for my job! Sorry wish I could help supervisor says. So because of THEIR mistake I only not go without the {$300.00} but now Ill have to pay all the carrier fees for disconnected service ( {$100.00} ) + possible lose jobs because no cell phone ( anywhere from $ XXXX {$800.00} ). Thats a lot of money that I desperately need now! So bottom line, Im literally paying for Chimes mistake and their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to XXXX XXXX to shop. Knew what I wanted had my card to pay for it. XXXX XXXX worker said you can apply for a XXXX XXXX card. I said no Thanks I don't want a hard inquiry on my credit report. He said no it is not a hard inquiry. We do a soft pull. I said no thanks. He said it is only a soft pull. his mother was a soft pull. His sister was a soft pull. He got a card it was a soft pull on him. So on and so on. A sales person from the XXXX XXXX  came in and explained to all of them. Let the customers know it's a soft pull. I am still saying no, no no no. I don't want a card. This just stressed me out until I gave in. I am 62 years I simply couldn't take any more. I had been there for hours. Now I am disputing a hard inquiry on my Experian Credit Report. I want this hard inquiry deleted from my credit report. Experian Credit Report ... XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/2020. 
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 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Here below are the references for the transaction I made on the XXXX website on XX/XX/2020 Order # XXXX Purchased from XXXX  on XX/XX/2020 {$410.00} 100 % XXXX  XXXX XXXX XXXX XXXX  Transaction # XXXX Quantity : 1 The seller sent me a tracking number of the sending with XXXX that was a fake one. I never received the item as you can see in my review of the transaction with that seller. 
Your Review Very disappointing. This seller is a scammer. Please, for your good, keep the name and, and especially the picture of this watch in mind because you may see it under a different seller 's name. This is how that scammer operates : he will reassure and send you a " real fake '' XXXX tracking number after receiving the payment. And after, when you check the status of the sending, you will read that the item was delivered and he will no longer answer your messages. 

I then filled a complaint with XXXX. They told me that the complaint should be filled with Paypal because the payment was received by them. 
I filled my complaint with Paypal and in response, they told me that they are closing my case because the seller had provided a tracking number showing that the item was delivered and if I want, I can submit a complaint with my financial institution XXXX XXXX XXXX XXXX, what I did. 
In response, XXXX XXXX told me that they not examining my case because it has been closed by PayPal. 
I decided to submit the tracking number to XXXX asking to confirm whether the related item has been delivered and if not, to let me know if the item was still in their facilities. In response, XXXX told me that the submitted tracking number has nothing to do with me and they were well aware of this kind of scam. 
I forwarded XXXX 's response to both Paypal and XXXX XXXX and they are still ignoring me. 
Many thanks in advance to examine my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: CO

Complaint narrative:
I have asked them to contact me via email but the call 15 times a day and leave no message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: OH

Complaint narrative:
This is a complaint against Experian, XXXX XXXX, and XXXX regarding a collections on file from XXXX XXXX. 

This collection originated from XXXX for an early termination fee ( ETF ). I have not been a customer of XXXX since XXXX. 

When making plans to cancel my service with XXXX, I spoke to the customer service department to get the correct date for cancellation. I kept my service for another six months in order to cross the contract 's line before terminating as instructed. 

I was never invoiced for this ETF from XXXX nor did I receive any calls regarding this fraudulent charge. 

In XXXX, XXXX sold the bogus debt to XXXX XXXX, XXXX. 

XXXX XXXX has contacted me by phone multiple times, however I told them to send me the details in the mail so I had them in writing before determining what this collection was for. They never complied with my multiple requests over FOUR YEARS. 

Because of this failure of being upfront and credible, I've stopped answering any of their harassing phone calls and refuse to deal with them anymore. 

I've disputed this twice with Experian and they say they have done a satisfactory investigation into the matter. It is clear they have not because XXXX  dropped this exact collections filing IMMEDIATELY upon receiving my dispute. 

I attached XXXX  's documents to my dispute filing with Experian to serve as proof and make their job easier. Experian ignored said attachments. 

This is a ridiculous abuse of power over a small consumer 's credit during a time many of us need the protections of credit the most.

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 2020-11-10 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My firm ceased operations on XX/XX/XXXX and we closed our Chase card on XX/XX/XXXX by letter. This card was paid off on XXXX XXXX In XXXX of XXXX we received correspondence from a debt collection company demanding payment of {$480.00} for charges made on our Chase card account. Prior to this letter I had received no statements from Chase since XX/XX/XXXX. We had closed our Post Office Box on XX/XX/XXXX and filed a change of address with the USPS. 

I contacted Chase and received copies of any statements after XX/XX/XXXX. On the statements I discovered that on XX/XX/XXXX a charge of {$450.00} was made to XXXX XXXX XXXX. This is the service we used for our accounting prior to ceasing operations. Additionally, there were late fees and interest charges of {$240.00} between XX/XX/XXXX and XX/XX/XXXX. In addition I found a credit from XXXX in the amount of {$260.00} on XX/XX/XXXX. 

I contacted Chase again and explained to them that 1 ) Our account should have been closed per our letter of XXXX XXXX and 2 ) We did not authorize XXXX to make their charge, in fact we had no use for their services due our ceasing of operations. 

Apparently Chase claims never to have received our letter closing our account and that they would look into it and make a determination. 

Yesterday, I received a letter dated XX/XX/XXXX from chase informing me that the balance they show is correct and that I should make a prompt payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
Sent Mortgage payment to XXXX  XXXX on XX/XX/XXXX for XXXX Payment. 
No Contact given after repeated attempts to contact via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Response finally given after email on XX/XX/XXXX. 

Email instructed that loan was sold to Amerihome and I was given loan number and phone number to contact. After repeated FAILED attempts to access my account via Amerihome 's website portal, I attempted to contact Amerihome 's customer service to no avail. No agent was assigned as I was greeted with this statement only : " Thank you for contacting us. At the present time all of our CHAT agents are busy assisting others. We apologize for this inconvenience and ask that you try again later. We are open from XXXX to XXXX Eastern Time Monday through Friday. '' Phone call attempts also resulted in no progress. I am currently unable to make any payments on my mortgage, especially any early payments all the while my mortgage continues to accrue interest to which I have no control over. Essentially, I am being charged even more money which I could have avoided if both of these companies improved their customer communications, customer service, and website portals. I find this to be extremely aggravating and an unethical way to run businesses in a stressful industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
In XXXX, XXXX and XX/XX/2020. I have disputed bad inaccurate on my report. I was a victim of identity theft. I even sent my identity theft affidavit information to Experian. After the results finally come back, the accounts still appear. This is hurting my score and my credit. Please do a thorough investigation and please remove these items from my report. The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  AND XXXX XXXX ACCOUNTS.

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 2020-11-10 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY. 

XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusAccount charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Earlier this year I decided to join some friends for a trip to a concert, it was a last minute decision spurred by optimism and wanting to be around people again as quarantine loosened and businesses reopening. I was joining a group who I honestly didnt know much of aside from passing mention by my connection to the group who is the close friend that had invited me to tag along. Unfortunately I extended my trust in my friend to the rest of the group and the girl I was told to send money to for my ticket and lodging contribution. I sent her {$180.00} in total in two payments through XXXX XXXX, the first payment was {$80.00} for my ticket on XX/XX/2020. The second payment was {$100.00} for my lodging/ hotel contribution on XX/XX/XXXX. However this event/ small concert for I believe sometime mid XXXX ended up being cancelled due to covid concerns or restrictions, I heard about it and so I reached out to the girl to naturally ask her to send me my {$180.00} back. Another unfortunate result of my over trust was that I never got a phone number as we were in contact through XXXX where she had now blocked me, I had an email address for her XXXX XXXX but she was unresponsive. I tried futilely to ask for XXXX XXXX to help, I then called my card account bank, BECU, but I ended up losing my dispute/ claim. However I am rather unsatisfied because I was not updated or informed of any reasoning or evidence for the case decision, for a month and a half I received no news after my submission aside from the lone update that my dispute was lost and I could simply do nothing. I understand the route I had taken to end up here isnt ideal but since this is my situation, I am at the least exhausting my options due to how this year turned out and a need to scrape by until the new year where an employment opportunity awaits for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY. 

XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusAccount charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CT

Complaint narrative:
This was a credit building loan that I paid off on XX/XX/XXXX. I was told by the company that as soon as the payment was posted, I would receive the funds from my credit reserve account with in 5 business days. They later changed this to 14 business days once my 5 business days were met. I reached out jut too see what the hold up was and was told it is just pending and it should be good the next business day. A week went by and was told it was a glitch in the system and they will adjust it. I should receive it in 3-5 business days. Then almost 3 week later, on XX/XX/XXXX twice in one day, I reached out again. The first time I was told because my membership with them expired on XX/XX/XXXX and I will have to wait up to another 14 business days. He did not even give me time to respond before he disconnected the chat. So I called them. The woman on the phone told me it was something with another company and I would have to take a 1-5 business day wait to receive my funds that were in my credit reserve. This is unacceptable. I have not received any information that is consistent. I understand COVID is going on. I work for a bank also so I understand delays with working from home and such, but this is not right to not give me any constant information. It is making me worried that I will never get the money in my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Check Resolution Inc.
State: VA

Complaint narrative:
XXXX with NCR phone number XXXX has called several times to family members which is in violation of the Fair Debt Collections Practice Act. I have never received voicemails from him or the company directly, they keep contacting my family and I have to hear about it second hand. 

I have called them several times advising I do not recall owing any sort of debt to XXXX XXXX, I advised them they were in violation of the act and to ceases and desist to no avail. They continue to contact family members, use profane language and are so rude. 

My last encounter with XXXX was XX/XX/20 at XXXX XXXX EST, the call lasted 2 mins to which I was screamed at, he refused to accept the fact that he is violating the act. I advised to send the collection to my credit report to be handled there OR send me information. He refused. 

I am sick of wasting my time trying to get them to stop all communication and advised this would be the final outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: EQUIFAX, INC.
State: CA

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'm 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 30 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 these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation