vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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: IL

Complaint narrative:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

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 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
I am XXXX XXXX  of University XXXX XXXX XXXX, XXXX XXXX XXXX. During this summer, I tried to do internship to enhance my knowledge on the subject. I applied in a dozen institutions for scholarship or paid internship but could not be that lucky. 
One day I got an information about the internship option at XXXX XXXX ( US : XXXX ( XXXX ) XXXX ) and contacted them for the internship opportunity in various parts in the country and abroad. After selection process they asked me to go to XXXX with XXXX ( XXXX? ) for the internship. 

After few days had passed, I didnt get any follow up with them regarding VISA for XXXX because I still have Passport from XXXX ( I am XXXX  XXXX  in the USA and eligible for applying XXXX in next XXXX ). During this time, I consulted with my father who was out of country for an important work and explained the situation. He recommended me not to go further with XXXX XXXX because they do not have experiences sending students abroad because they never talk about VISA. I also came to know that getting XXXX VISA for XXXX Passport is not easy and I had to apply two months in advance. At the same time, I was also not feeling well due to unnecessary pressure of internship. 
Finally, I sent an e-mail to the organizer saying that I am not going for the internship due to my medical reason and asked me to return by advance payment of USD XXXX. 

Instead of returning my money, they forced me to pay internship expenses of USD XXXX. Three weeks back, I got a call from phone number XXXX ( XXXX ) XXXX. I also received letter of dated XX/XX/2019 from Cedars Business Services ( it seems from the letter that this is debt collector ) for the money again last week. I felt really bad about it and decided to request your help to refund the money I paid in advance. They have also started calling my father for this issue and he has been mentally disturbed because he did not do anything except his advice to me regarding the internship. 

It would be highly appreciated ; if could give your expertise advise. Your action to save me this unnecessary hassle will help me to pursue higher education for building a strong nation. 

If you have any question, need further clarification, I will be available to meet you in your convenience time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

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 2019-08-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$600.00} on my Chase credit card account on XXXX and XXXX 2019. I was grossly overcharged for my stay at the XXXX XXXX in XXXX, XXXX. I had paid cash and the perceived balance by card but was not properly credited for my stay. I had an earlier dispute on this transaction denied by Chase of {$480.00} which that amount is incorrect. For the record the amount in dispute is {$600.00} as shown on this letterhead. I faxed my inquiry to Chase but somehow they refuse to look into this matter. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed is a copy of the letterheads from the XXXX XXXX XXXX supporting my position. Please investigate this matter and compel Chase to accurately correct the billing error as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Dear Mr . XXXX, Thank you very much for the stay at XXXX XXXX. 

As we discussed by phone, I am pleased to send you the short explanation of your invoices. 

Reservation XXXX XXXX : the night was paid with points, there are only extras on the bill. The whole authorization has been used for the payment. XXXX HUF->XXXX  USD Reservation XXXX XXXX XX/XX/XXXX : We made an authorization of XXXX HUF ( approx. XXXX USD ) ,2 nights have been paid by card and cash- XXXX HUF ( approx. XXXX USD ) and with card XXXX HUF ( approx. XXXX USD ) therefore your bank will release the rest of the hold on your card which is XXXX HUF ( approx. XXXX USD ). 

Please find attached also the 2 statement of the used credit card history related to your stay. 

If you have any further question, please do not hesitate to contact me any time. 

Best regards from XXXX XXXX Front Office Duty Manager XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. 
XXXX, XXXX, XXXX Tel : XXXX XXXX XXXX XXXX I Mobile : XXXX XXXX XXXX XXXX XXXX This hotel is owned by XXXX XXXX XXXX XXXX and is managed by XXXX XXXX XXXX XXXX. 
Print responsibly Please consider the environment before printing this email. 
Download all attachments as a zip file XXXX_30_01 .pdf 21.5kB XXXX_29_30 .pdf 21.6kB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: PA

Complaint narrative:
On XX/XX/19, I received a notice from XXXX that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, TransUnion and XXXX are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.

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 2019-08-29 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: PA

Complaint narrative:
On XX/XX/19, I received a notice from XXXX  that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, XXXX and Equifax are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to 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 2019-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to 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 non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
greetings my name is XXXX XXXX XXXX XXXX and onXX/XX/2019 I attempted to apply for a new credit card because I frequently watch my score and I felt I was good. I then was denied and when i contacted American Express I was informed that there was an issue. I was told that I needed to fax in a copy of my social security card and divers license to the Customer Service Analyst Unit and when I asked why what was the reason I was told that Amex has my last 2 digits of my social security number in their system was incorrect. I faxed in my info as requested and questioned my last decision in which I applied for a new card so what social security number was used to run my credit. I was then told oh we didn't run your credit because we have you in our database already. " nonsense to me ' ... then I applied for a personal loan at XXXX XXXX XXXX and was also denied. they stated my credit score was low. now I understand clearly that there are only 3 credit bureaus. but I use XXXX  XXXX a credit monitoring system to stay on track and was told that I needed to purchase their credit monitoring system cause it was more accurate and the proof I had that was valid from XXXX  XXXX  wasn't valid or acceptable to amex. id like some assistance cause I been with XXXX  XXXX for a while and haven't been steered wrong. I feel amex is covering up their huge mistake that most likely would show more wrongful errors reported to the credit bureaus causing me headaches. please help as when I send your office my proof you will see I've been in the process of rebuilding my credit. 
thank you for your cooperation in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
Many attempts to short sale my home through a local realtor who has found a buyer and done everything possible to sell the home, but the Mortgage company has repeatedly made us jump through hoop after hoop and has taken too long in responding to our submissions and thus we have missed deadlines through the fault of the mortgage company not us!!!! This has happened over an extended period of time ... .and both the realtor, the buyer through the short sale, and myself have reached our limits with the mortgage company. We need help desperately in getting this company to adhere to their own deadlines and quit beating around the bush. I will end up foreclosing on this house and it worries me tremendously because I have done everything I can to keep this from happening but the mortgage company has been sloooowwww as molasses in helping this sale to occur. I am enclosing information for your review and hope against hope that you can help. 

SIncerely, 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 2019-08-29 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: GreenSky, LLC
State: NV

Complaint narrative:
On XX/XX/2019 Greensky Financial accessed my credit report and placed a hard inquiry on my credit report without my authorization, I did not seek credit from this company and I have never sought a line of credit from the company ; I did not give my social security number to this company and I did not authorize the company to apply for credit on my behalf ; The XXXX website advised me to report the fraudulent activity to my local police department and the social security administration which I will do along with filing a report with the XXXX  and State Attorney General 's Office of GA, I will have to retain an attorney which will cost a retainer fee of {$1500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I had an account with Chase Bank..it was a checking account. I have XXXX on my vehicle which enabled me to use my phone. I informed XXXX in XXXX that i would be changing financial instutions and to cancel the debiting of my account for payment. However, when time for payment came around they debited the account anyway, but by that time I had changed financial institution. 

There was no more money in the account for XXXX to get money. At Chase Bank it should have came back as " insufficient funds. '' Thus, the situation would have been null and void. But because I changed financial institution Chase Bank accepted the payment without my approval and without funds in the account. In the past when I have had an account with Chase Bank and would go to another institution relinquishing direct deposit, they would recognize such and close the account. i did not have overdraft protection with Chase for them to accept payment without funds in the account. My new account is with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.

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 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX paypal held my money from am XXXX  sale. Finally got the hold lifted verified my identity and then they locked me down can't send money can't withdraw can't add nothing this has been 5 days now. Also they have XXXX still being held I can not access. They just keep saying that I failed a security check. Which is XXXX. Can't get any help they continuously say wait 48 hours and I do then get told the same thing again XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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 a few accounts, including XXXX XXXX, XXXX, and XXXX that have been paid off and accounts closed. The report is showing current late payments to at least one of these accounts. Other credit reports do not have these accounts listed any further.

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