vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On or about XX/XX/2020 my Master Card was charged for a purchase I did not make or receive. my card was charged for {$60.00} by Paypal. I contacted Paypal serveral times and they would not send me any information concerning the transaction, i.e. what was purchased, proof that I ordered the item or proof of delivery. I applied for a refund but they denied my request two times. When I called to inquire about more information they would not take my call or make any attempt to give me the information I requested.

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 2020-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: TX

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX XXXX and I am writing in regards to a credit dispute that was wrongly put on my report and my wifes, XXXX XXXX XXXX, report. 

Our issue is with US Bank. They hit both of our account for late payments for a leased vehicle that we traded in. I tried several times calling them and discussing this issue and they refused to provide any help at all. 

At the time they hit my credit report with this false claim my score was XXXX, and now it is XXXX. 
At the time they hit my wifes credit report with this false claim her score was XXXX, and now it is XXXX. 

We traded in our lease vehicle with US Bank on XX/XX/XXXX with XXXX XXXX. XXXX XXXX sent US Bank a certified check for the amount of the loan. At this point we no longer had possession of the leased US Bank vehicle. 

We then began paying the new lease payments to XXXX XXXX, all on time and full payments. Fast forward three months, and US Bank hits my bank account saying they have not been receiving payments. 

Multiple times during this time period I called US Bank, or had them call me, and told them about all the details and they assured me nothing like this would happen. 

When we got hit with the credit claim, I dug into it and found out that the first check that XXXX XXXX sent was int eh wrong about. It took US Bank 2 weeks to send this back to XXXX XXXX. XXXX XXXX then corrected the check and sent it with certified mail back to US Bank. 

At this point US Bank received the check on XX/XX/XXXX. US Bank then set on the check for almost three weeks, not cashing it until XX/XX/XXXX. 

The prior to paragraphs can be verified by XXXX XXXX as they provided me those dates based on the certified mail received date and the check cash date. 

Hopefully the above information is enough for you to see the US Bank handled our claim very very badly. I would be very interesting in filing a claim against them if that is possible. My credit is now poor when 3 months ago it was at XXXX. 

I hope to hear from someone soon. 

Thank you, 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 non-monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
I received a bill in 2017 from XXXX XXXX XXXX XXXX XXXX Arkansas for XXXX XXXX, in the amount of {$110.00}. Her mother, my sister, took XXXX to the emergency room and used my ID to check her into the ER. XXXX was a ward of the state on visitation when she was taken to the E.R. My sister, her mother, is responsible for the bill or the State of Arkansas because she was their ward in foster care. I called XXXX XXXX XXXX and they never updated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: FL

Complaint narrative:
I sent a letter to Experian on XX/XX/2020 for them to correct inaccurate information on my credit report. I have yet to receive a response from them about the status of updating 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 2020-10-02 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: FL

Complaint narrative:
XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance XXXX XXXX  Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX  Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL 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 2020-10-02 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, Transunion, XXXX, and XXXX XXXX  nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX  the reps have a attitude and never get anything resolved.

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 2020-10-02 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: CA

Complaint narrative:
I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax, XXXX, XXXX, and XXXX XXXX  nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX  the reps have a attitude and never get anything resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: CA

Complaint narrative:
I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, XXXX, experian, and XXXX XXXX  nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX  the reps have a attitude and never get anything resolved.

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 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
FirstBank has been insistently reporting a balance/past due amount and account description/status that are product of an illegal application of Rule 78 as a Method of Amortization, 15 U.S. Code 1615 ( b ), to  the 66-month installments loan that I had with the banking institution. This situation has greatly affected the opportunity to obtain a car loan under favorable conditions. In other words, irreparable damages to my credit history continues. The Bank 's action, pursuant to section 15 U.S. Code 1611, carries a fine of {$5000.00}, 1-year prison or both.

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 2020-10-02 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: FL

Complaint narrative:
XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which  is detailed as follows ; XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX   Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL 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 2020-10-02 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: FL

Complaint narrative:
XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight  on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance ADVANCED XXXX  Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX   Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX keeps trying to collect more than what it owed. I've reached out to the apartment complex and i've spoken to a couple of people at the collections office. This still has not been updated with accurate information and they keep reporting it to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (
company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of
debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter
very serious ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION   Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: OK

Complaint narrative:
I had to close my fresh start checking that had no overdraft privilege 's due to the fact of COVID and fraud. Someone filed a fake claim for unemployment in my husbands name, our emails, XXXX, dark web and passwords were all exposed. I notified Bank of the West of this problem. My Husband and I opened a regular account this time, last time I was not approved. Literally after opening I have had problems with them holding deposits, charging me overdraft fees when the item that cleared and I was clearly not negative at the time of it clearing. 
This all started on XXXX the XXXX, which I called in and they refunded two overdraft fees. Since then I have been charged numerous times, because they held an automatic deposit FROM XXXX ON THE XXXX and charged overdraft when I had the money present in my account I have called my branch, the call center, and have even been hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to Equifax on XX/XX/2020 for them to correct inaccurate information on my credit report. I have yet to receive a response from them about the status of updating my credit report.

Company response to consumer: Closed with explanation