vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My complaint involves all 3 credit Bureaus but especially Equifax who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the Equifax Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to JPMCB CARD SERVICES because I am having difficulties with applying for new credit cards. I paid the charge off and do not owe anything, but the marks in my XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting JPMCB CARD SERVICES to remove this paid charge off account from my credit report as a gesture of goodwill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I deposited $ XXXX per bank terms, bank charges us $ XXXX  monthly service fee improperly causing funds became low and then continue charging {$30.00} fees which are fraudulent fees. 
Need full refund Also account was opened in response of Citi solicitation to deposit new funds of $ XXXX for reward of {$500.00}. 

Citibank is practicing bite and switch

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 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CT

Complaint narrative:
I was experiencing a lot of problems with their website. I had to call their technical support, they too had trouble helping. I then was able to add my checking account, struggled to make a one-time payment, and then setup autopay. 
AutoPay did NOT work and I got stuck with a fee. I immediately logged back in as soon as I received an e-mail from them and paid 4 times as much as the required payment, then again re-setup autopay ( it took two attempts again .... ). I called today to discuss this with the customer service representative whom was extremely rude and provided ZERO assistance. Additionally, it appears that they dropped my credit line without any notice, nor could he say why. Horrible company to work with.

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 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/2020 I was served with a Civil Summons under file # XXXX in the state of North Carolina XXXX County by Plaintiff MIDLAND FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX for an old XXXX XXXX  account that was purchased by Midland Funding LLC. I was never notified of the sale of the debt between Midland Funding LLC and XXXX XXXX  and now Midland Funding LLC has threatened to sue me and place a judgement on the account on my public record file. I am a NC commissioned insurance agent and must report all civil or criminal issues to the Insurance Commision and can loose my license over this matter. I went to XXXX Co courthouse to file a answer to compliant on XX/XX/2020 and request further information and full disclosure of all transactions on the account. I reached out to the law offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to attempt to get a settlement agreement and was told that they offer no agreements and if I still make payment they still will be place a 10 year judgement on my public record. I spoke with a supervisor XXXX and was advised that even if I do settle I must sign their consent form that allows their law office to place a 10 year judgement on my records. This should be against the law somehow. I contacted other debit collectors and have never had this situation happen before. I am try to refinance my home and as a new agent I haven't been able to gain full time employment during the pandemic. Now I'm faced with charges on my public record and unable to refinance due to this issue with this lender. Please help me I am now awaiting a court date since I am choosing to go to court to see a judge regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: NY

Complaint narrative:
The business I worked for, XXXX XXXX, closed in early XXXX. No outstanding debts were due by the company when all affiliated accounts were closed with the third parties. XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX, was officially contacted to close the business account. The salesman said he did close the account and that there was XXXX balance back in XX/XX/XXXX. However, after two years of the XXXX business closing, XXXX XXXX XXXX sent an approximately {$300.00} bill against my personal credit reports through Southwest Recovery Services ( collection agency ), even though the account was closed with XXXX balance and it was a business contract signed by an XXXX officer back in XXXX. Therefore, there should be no personal liability for a closed business account that all affiliated companies know was closed and was an unused credit card processing account. These companies never return voicemails and rarely answer the phone after hours of calling. When I did reach each company, they pointed to the other companies to provide information and they acknowledge the old account was unused ( and not closed properly by their own company, possibly by a salesman that didn't want to lose another account ). They refuse to close the account the right way because of the open collection attempt against me personally for monthly fees for over two years for an account that was properly closed on the side of my former business. They hide behind each of their partner companies and continue to add monthly fees for an unused account that they refuse to close the right way while the {$300.00} collections attempt is outstanding. However, even if I paid personally for a closed XXXX, they could just send another collections attempt for the additional monthly services fees for the unused account perpetually since they refuse to close the account the proper way in their systems.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: LA

Complaint narrative:
Its showing that the account is charged off but it was paid in full.

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 2020-12-09 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: LA

Complaint narrative:
Its showing that the account is charged off but it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: LA

Complaint narrative:
Its showing that the account is charged off but it was paid in full.

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 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is knowingly and willfully aiding and abetting one of its account-holders to perpetrate fraud and evade taxes. On XX/XX/XXXX, I formally notified PayPal ( Dispute Case ID : XXXX ) that one of its account holders named XXXX XXXX ( aka XXXX XXXX XXXX ), who's based in the XXXX XXXX, California and has an active criminal record, is operating an unregistered and unlicensed California limited liability company called XXXX  XXXX XXXX. I notified PayPal that this unauthorized XXXX is collecting donations and fees-for-service via both PayPal and the individual 's own website. The PayPal account link is https : //www.paypal.com/paypalme/XXXX  ( archived at https : XXXX ). And the link to XXXX  own website, which operates as yet another unauthorized business named XXXX XXXX XXXX, is https : XXXX ( archived at https : XXXX ). XXXX previously had another California business called XXXX XXXX XXXX XXXX, which is now in XXXX-Suspended status ( see https : XXXX ). That defunct business met its end when the City of XXXX XXXX sued XXXX on XX/XX/XXXX ( Case No. : XXXX ) for XXXX 's failure to pay more than {$50000.00} that XXXX owed to the City. The City prevailed, winning a default judgment against XXXX for {$57000.00} XXXX ( see https : XXXX [ case index ] and https : XXXX [ case documents ] ). 

In addition to notifying PayPal about the above, I also provided eight independent and credible pieces of documentary evidence proving XXXX was operating multiple unauthorized businesses, with one of those businesses operating on PayPal 's own website. Despite all this, on XX/XX/XXXX, PayPal notified me of its decision to decline my case. To my knowledge, PayPal continues to knowingly and willfully aid and abet XXXX, one of its account-holders, to perpetrate fraud and evade taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020, I noticed that my credit scored declined due to a debt on " XXXX goods. '' I immediately checked my credit card with XXXX, which was paid in full, and I noticed that it was a due payment amount ( {$80.00} ) for fees that were not supposed to be taken. My credit has been excellent due to my responsibility for my payments. I was not even notified about my credit card charges in the email linked to the account. If I hadn't noticed the decline in my credit report ( something that many don't have access to ), then the outcome would have been a big debt. It is just unfair and frustrating. I called the company to fix the situation, and they just told me : " well, close the account, '' which I did. They were not able to return my fees because they stated that they couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: OH

Complaint narrative:
Equifax ; XXXX  and XXXX  are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX and XXXX/XXXX  partial account number XXXX. Equifax is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. XXXX is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: VA

Complaint narrative:
I have written to Equifax on several occasions ( the last time XX/XX/2020 ) requesting that they fully verify that the accounts on my credit report belongs to me. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have refuse to delete the accounts as stated by the law. 

In addition they ( Equifax ) have taken more than 30 days to respond to my letter. My letter was sent on XX/XX/2020 ( as shown on receipt attached ) They responded on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Started the Refi process 3 months ago - was promised to close well before this - and the company has no intention to close. Paid {$500.00} upfront for them to process the application and in the meantime I haven't been able to refinance, incurring current charges with my mortgage company that could have been avoided had AmeriSave closed the refi on time. My employment status has remained the same since I started this application, however, AmeriSave realized that during the year - before my application started - I went from being salary-based to commission-based and now request documentation that does not exist. They made a mistake during their process and now want me to be accountable for something they should resolve. My credit is pristine, my income is high, and I have sufficient funds in my bank account. This company has no interest in refinancing, they are only interested in collecting the {$500.00} and dragging my feet until I tell them to keep the {$500.00} and forget about the refi. Very poor communication and predisposition from the processor and the officer. Worst consumer practices I have seen. Stay away!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
On XX/XX/2020, Ad Astra Recovery Servic add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Ad Astra Recovery Servic has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: NY

Complaint narrative:
I run my credit to purchase a bike a month ago and the credit check was good. I recevied a loan for XXXX. Its has been weeks and I keep having technical issues trying to make the purcahse. I have called several times and any issues all the response I get is a supervisior will try to contact you however no one has contact me since and I had an order canceled. I have been waiting too long and I am upset that any fraud investigation have not been resolved so I can make my purchase and be on my way. In these COVID times I actually have money to pay and Klarna doesnt want to make this work. Im not getting the purchase I want and all this is doing is damaging my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: OH

Complaint narrative:
XXXX  ; XXXX  and Transunion are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX  partial account number XXXX ; XXXX partial account number XXXX and XXXX/XXXX  partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. Transunion is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.

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