vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: OR

Complaint narrative:
I went to the E.R or urgent care some where in XXXX in XXXX, AZ. At that time I had XXXX and therefore covered by my insurance which is a government funded coverage. I never recieved a bill nor was I charged at the time of my care due to my XXXX insurance. Now in XXXX it show 's up on my credit report but yet never have recieved a bill in the mail since my visit to the E.R or urgent care visit.

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 2019-03-29 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: MI

Complaint narrative:
I filed a dispute with Transunion requesting that they verify the accuracy of some creditors and collections listed on my credit report. They sent me a letter saying that the creditors and collections had been verified. On XX/XX/2019 Transunion received my certified letter asking them to provide me with the method used to verify the collections and creditors listed on my credit report. By law they have 15 days to provide in this information or delete the unverified creditors and collections that had not been validated. It is now past the 15 days and I have not received anything from Transunion and the creditors and collections that are being disputed is still showing on 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 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Someone used my account to sent the money to someone I dont even know. I want my money back. I tried to make a disputed but paypal wont take any responsibility for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: CA

Complaint narrative:
I pre-ordered an item on XX/XX/XXXX and paid {$350.00} with a Chase credit card. The merchant, XXXX XXXX, gave an estimated product shipment date of " XX/XX/XXXX. '' After waiting for this item for a significant amount of time, I decided to cancel the order as it did not appear that the item would ever be completed and shipped. On XX/XX/XXXX, I requested a refund from the merchant, XXXX XXXX On XX/XX/XXXX, the merchant stated that my order was cancelled, and the refund would return to the original method of payment in five business days. The original method of payment was a Chase credit card that I had since closed. On XX/XX/XXXX, I sent a secure message to Chase requesting that the refund be transferred to one of my open Chase cards. I also followed up with a phone call that same week, and the representative I spoke to informed me that funds that are sent to closed accounts would be sent via check through the mail and could not be transferred to any existing accounts. On XX/XX/XXXX, I received a letter from Chase indicating that my " disputed charge '' would remain on my account and " the merchant is not willing to credit your account. '' I followed up with a phone call to Chase describing that this was a refund, not a dispute. The representative informed me that they did not have access to closed accounts. I explained my previous attempts via phone and message to locate these funds. They informed me to try to send a secure message again this time emphasizing that the refund I am looking for is on a closed account and that the previous representative may have looked for the refund on a different account. On XX/XX/XXXX, I sent another secure message with this information as well as the emails I received from the merchant about the refund ( see Attachment ).  On XX/XX/XXXX, I received a letter from Chase with similar language about " the merchant is not willing to credit your account '' and " we consider the charge valid based on the results of our research '' ( see Attachment ). On XX/XX/XXXX, I followed up with the merchant, XXXX XXXX, requesting an alternate way to receive this refund given that my credit card company apparently can not locate the funds. On XX/XX/XXXX, the merchant provided a screenshot with their records that the funds had been refunded ( see Attachment ). This was my last exchange trying to resolve this between the credit card or the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: NY

Complaint narrative:
Submitted dispute # XXXX to Equifax on XX/XX/XXXX regarding reporting of XXXX credit card account settled in XX/XX/XXXX. XXXX and Equifax failed to report the Date of First Delinquency / FCRA Compliance Date as required by law. 

As of today XXXX almost 2 months later ) the dispute is still shown as Pending when I check its status on the website ( screenshot attached to complaint ). 

XXXX The account is still reporting without displaying a Compliance Date. 
* I have never received the results of the dispute. 
XXXX Equifax has exceeded the 30-day maximum dispute time frame on this account. 
* I no longer have confidence that Equifax is conducting a competent review of its reporting on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
A conflict hapoened when the dealer decided not to deduct the down payment of XXXX dollar. I took the loan on XX/XX/2014. They took the car and sold it in an auction. Yet they still demand money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found the weird transaction in my checking account ( Chase bank ). I never used my account for XXXX, but there were a lot of transaction in my statement. It started from last XXXX until XXXX. But in XXXX to XXXX, those were small amount of money, so I didn't notice these frauds, but in XXXX, there were several weird transaction with big amount of money. I visited Chase bank right after I noticed these frauds ( XXXX ). I reported the claim for these transactions and I waited for 3 weeks for it. Then they said they could only pay back for 60days transaction from the initial transaction. So they only paid back for XXXX and XXXX 's transactions. It means they knew all of those are frauds, but they want to pay for only initial 60 days ones. The first banker said we could get money back within latest 60 days. But the third banker said, from their regulation E (? ) policy, they can investigate within 60 days issue, however, they can cover only initial 60 days transactions. I think it doesn't make sense, because at first they said they can cover within 60 days transactions and it was because of their security, not my fault. Also I checked with XXXX and they said my account is under different person 's name. But this fraud person can use my checking account and Chase bank allowed this transactions, even they used different name. The bank said they can't do anything, but it doesn't make sense to me. They should cover everything or recent 60 days transactions. 
Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: UT

Complaint narrative:
XX/XX/2019 - I received an e-mail from XXXX XXXX stating " We've received your payment '' for {$50.00} - I have not made any recent payments to XXXX XXXX. 
- I contacted XXXX XXXX  via their online chat, and they stated, " I can see a {$50.00} payment was initiated using our phone number. It was not intitated by XXXX. It's a Manual payment made using our Pay by phone number. '' - I advised XXXX XXXX  I had not made any payments by phone. I have not authorized any payments. I advised them to cancel this phone payment as the account it was posting to has no funds available. 
- XXXX XXXX then advised, " I can see your account has been transferred to XXXX XXXX, so need to have a word with them for it. You can call FIRSTSOURCE ADVANTAGE LLC at XXXX for more info on it. '' - I replied to XXXX XXXX stating the payment shows directly from XXXX XXXX in the e-mail not a third party company. 
- XXXX XXXX made no further responses.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AA Recovery Solutions, Inc.
State: CA

Complaint narrative:
On XX/XX/19 this company called me, my sister, and my work. This company claims I owe a debt but have yet to send anything to my address. They told me I could settle the debt for {$1100.00} and sent me a letter via email. He claimed if I asked for a debt verification letter then I wouldnt be able to settle The debt and I would have to pay it in full. Once I received the letter I started to try and get background on this company because the guy acted funny. I could not find any information and wasnt about to pay a company money. I requested in an email certain information to verify their identity. They responded with a very short email not answering my questions but sending me to another number of a company that never answers and the message does not state the companies name. They will not provide proof of the debt either. Today XX/XX/19 they called me again harassing me stating I could not email them at all. Now mind you I have only sent one email. An hour later the business called from a blocked number again with a courier who was coming to my house to serve me papers between XXXX today. This was a misrepresentation and is illegal. The message stated I needed to call them to stop the courier from coming. This company is harassing me and I have asked for certain information and they are sending me to people and companies that dont exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I got a letter from US bank in XX/XX/XXXX ( not XXXX  ) mentioning that my personal checking account ending with XXXX will be closed on XX/XX/XXXX. The letter stated no reason for why that was happening, but they did end up closing my checking account along with my other credit cards with US bank despite the facts that : 1- the checking account was being used to pay off my monthly mortgage payments with US bank itself and was getting my W2 income from XXXX XXXX deposited into the account. 
2- I never had returned checks or over-drafted the account, which was open for more than 8 years. I also never had a single late payment on my credit cards and my credit utilization never exceeded 10 % of the limit. In fact, I was barely using those credit cards for the last 2 years before they were closed. 
3- My credit score is excellent ( XXXX is the median score ) and I never had such issues with other banks either. 

I called US bank, and they said they could offer no explanation but directed me to try reopening a bank account in a branch, which was rejected when I tried applying at various points in time inXX/XX/XXXX with XXXX XXXX in the XXXX branch as well as in their XXXX XXXX branch within XXXX in the same month. Neither bankers I applied with provided me with any explanation as they could not find out themselves either. I tried again doing so in XXXX XXXX after more than a year passed on the account closing, but the agent trying to help me mysteriously failed from establishing a new account again! 

The main frustration has not been as much about not have the bank anymore ( though it became inconvenient as paying my USbank monthly mortgage ended up being more hectic given that US bank charges fees for payments made from non US bank accounts posted after the beginning of the month but before the payment due date ). In fact, what frustrated me so much and made me feel really take advantage of was how I had my HELOC with USbank too resulting in an annual fees of XXXXusd that was getting waived otherwise ( because of my bank account with USbank ) now getting charged! The fact that my USbank checking account closure comes at completely no fault of mine and that this has resulted in me paying some price for that too, contrary to the state I had with US bank upon signing my HELOC paperwork with them is very undesirable and unethical either. In fact, I would not have established a HELOC with US bank if I knew they would make me feel tricked like that! Moreover, closing a HELOC now is not an option either given that USbank would penalize me for doing so prior to having had it open for more than 3 years. One way or another, USbank is cutting me loose, and this approach they are pursuing is terribly bad.

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 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XX/XX/2019 - I received an e-mail from American Express stating " We've received your payment '' for {$50.00} - I have not made any recent payments to American express. 
- I contacted American express via their online chat, and they stated, " I can see a {$50.00} payment was initiated using our phone number. It was not intitated by Amex. It's a Manual payment made using our Pay by phone number. '' - I advised American express I had not made any payments by phone. I have not authorized any payments. I advised them to cancel this phone payment as the account it was posting to has no funds available. 
- American express then advised, " I can see your account has been transferred to XXXX XXXX, so need to have a word with them for it. You can call XXXX XXXXXXXX XXXX at XXXX for more info on it. '' - I replied to American express stating the payment shows directly from American express in the e-mail not a third party company. 
- American express made no further responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/2019, received an alert notification from XXXX that an account from Sunrise Credit Service was added to my report. I did not receive written notification from the company before added to my report. Also, I have never done business with this company, therefore, do not owe this company.

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 2019-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I received a payday loan from XXXX, the loan isn't even due until tomorrow and I've already gotten 7 " courtesy '' calls in the last 2 days about when it's due. That's enough, seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cheadle Law Firm
State: TN

Complaint narrative:
For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: FL

Complaint narrative:
I have 4 student loans reporting in my credit report with inconsistencies and I have requested all 3 credit bureaus to correct this information and they keep coming back with the information is verified.

The account numbers for my student loans are not reporting correctly. the late dates that are reporting is misleading and not reporting accurately I have attached a print out of my credit report and circled what is inaccurate and what I have been disputing for the past 3 months with the credit bureaus.

I have requested from XXXX for VOD and they have not responded to me.

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 2019-03-29 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:
I have 4 student loans reporting in my credit report with inconsistencies and I have requested all 3 credit bureaus to correct this information and they keep coming back with the information is verified. 

The account numbers for my student loans are not reporting correctly. the late dates that are reporting is misleading and not reporting accurately I have attached a print out of my credit report and circled what is inaccurate and what I have been disputing for the past 3 months with the credit bureaus. 

I have requested from XXXX for VOD and they have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: FL

Complaint narrative:
I have 4 student loans reporting in my credit report with inconsistencies and I have requested all 3 credit bureaus to correct this information and they keep coming back with the information is verified.

The account numbers for my student loans are not reporting correctly. the late dates that are reporting is misleading and not reporting accurately I have attached a print out of my credit report and circled what is inaccurate and what I have been disputing for the past 3 months with the credit bureaus.

I have requested from XXXX for VOD and they have not responded to me.

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 2019-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX I made a {$48.00} minimum payment, on XX/XX/XXXX I made a {$410.00} payment because I wanted to get my utilization down to help my credit score increase some. Logged into my online account for XXXX XXXX credit and saw that they dropped my {$1500.00} limit to {$1000.00} without a warning or explanation. Now it shows my balance as XXXX with a {$30.00} credit, I have never had a negative remark or late pay on my credit report for this company so I dont understand why they would do this without notice to affect my credit. I feel like they only did that because I made a large payment. Is this company able to do that without notice? Now my credit is worst off. I contacted this company and they couldnt give me an explanation. I did research and see that they have been doing this to other customers as well.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I disputed two accounts with all three credit Bureaus, and XXXX and XXXX removed the accounts, but did not do so on XXXX. Speedycash

Company response to consumer: Closed with explanation