vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 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: OneMain Finance Corporation
State: MS

Complaint narrative:
I have been requesting, since XX/XX/2020, verification of the alleged debt that this company keeps on reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. All they sent me is a a simple letter telling me you have verified the information, I'd like to see the DOCUMENTATION that SHOWS ME that the information you have reporting is correct - balances, payment history, etc. I was told that is should, which is what prompted my initial letter to them. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. XXXX not only refused to provide the requested information but continue reporting unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX is in violation of Florida Statue Chapter 83 Part II concerning me I contacted XXXX XXXX to complain about the serve victimization against me at the XXXX XXXX prior to this debt being submitted. On XX/XX/2020 I contacted the XXXX County Sheriffs department because I was repeated victimized by the management and staff of the XXXX XXXX. I began reporting the issues immediately when I realize employees of the XXXX XXXX now XXXX XXXX were illegally entering my apartment, stealing, eating my food and helping them selves to my clothing and shoes among other things, accessing my computers and other electronic devices. I contacted XXXX XXXX numerous times and reported the issues. After there was no response to my letters or calls, I submitted multiple electronic complaints through their new tenant communication portal for XXXX XXXX XXXX County. I called and left messages multiple times at the corporate office. No one responded. XXXX XXXX waited almost 14 months to submit an invoice for {$3400.00} after forcing me out due to ongoing safety concerns, theft of my property and destruction of my property. The property manager made multiple promises to put a stop to it including changing my locks to digital locks, however nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX I ordered 3 hairpieces from XXXX. 1 6 inch 1 8 inch and 1 10 inch.for XXXX ... .They sent 3 10 inch of another hairpiece which is not what is shown in the pic as I ordered. CapitalOne requested more info so I called and spoke with XXXX in the XXXX on XXXX and she said just to resubmit my claim but change the dates to reflect after the merchant had responded to my dispute. Once again I sent my claim back in only to be rejected. It's clear in the pic and invoice that the order is wrong. I believe this to be a bait and switch because I did not get what was in the pic!! The merchant sent a different product than what I ordered and I provided the proof twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
During COVID my family was ravaged by sickness and my role in the house became a primary carer for my wife and XXXX children. I reached out to Synchrony Bank, the party responsible for the issue of a credit line from Amazon. As part of their covid program I closed my account and made payments per the agreement in place. For the period XX/XX/2020 through XX/XX/2020 Synchrony reported that I did not make payments, when in fact I had made payments. As a result my credit report suggests I am a serious delinquent. Further, they did not even report anything for XX/XX/2020. Account since fully repaid with a XXXX balance. 

I have reached out multiple times with zero assistance offered.

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 2021-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BHA Services
State: OH

Complaint narrative:
I took out a payday loan with XXXX almost 10 years ago and it fell into collections. I settled the debt with a third party over 5 years ago and the ghost debt has been passed around to various shady debt collection businesses using illegal collection practices ever since. Even if the debt was still owed it is outside the statute of limitations for collections. Myself and several people connected to me received harassing text messages this morning from XXXX from BHA Services ( XXXX ) trying to collect this unowed debt. This needs to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC
State: OH

Complaint narrative:
I purchased a home security system for our home. When the contract was activated we kept our end of the deal and the company XXXX XXXX did not. I was told before and during signing that my monthly payment would remain the same throughout the duration of the contract. That was not true because I started at approximately {$34.00} dollars a month, by the time I called to cancel the account which was after the system was fully paid for, my monthly payment was at $ XXXX. 

I called them and went through a verification process to identify myself and told them I was no longer interested in this service and to cancel my account. I was assured that the account was cancelled and I was not in arears when that took place so I am not sure where this {$490.00} is coming from. 

I had to file for bankruptcy in XXXX which was discharged in XXXX and XXXX was included in the bankruptcy. Out of no where I started receiving letters, calls, and now text messages from Mountain Run Solutions stating that they purchased the account in XXXX.

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 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Lookout Request : Fwd : Sorry, Your Account Has Been Iocked [ # XXXX ] From : XXXX XXXX XXXX XXXX Sent : Saturday, XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Fwd : Sorry, Your Account Has Been Iocked [ # XXXX ] Get Outlook for Android From : Coinbase XXXX Sent : Saturday XXXX XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Re : Sorry, Your Account Has Been Iocked [ # XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been watching this bank for a while. It appears this bank carries out deliberate and covert unethical transactions towards its customers accounts charging unnecessary fees for transactions as low as {$2.00} a {$36.00} fee charged when sufficient funds were available at the time of the transaction. I contacted the call center on or around Friday XXXX XXXX XXXX approx. XXXX and was told by a supervisor the balance in my account of {$10.00}, which was true. I also asked the supervisor was courtesy pay activated on my acct and he indicated it was and that if items came thorough on the acct deposits would be processed first then debits then checks. THIS IS NOT WHAT HAPPENED ON MY ACCT. THIS BANK DELIBERATELY processed a check in which I was told was ok to be paid in the amt of {$500.00} and would only be access a {$36.00} dollar fee if the item came through as I actually called in to stop payment for it but was told it would be ok to allow my acct to pay it as it was currently set up on Courtesy pay and no issues show it would not be paid as it would be my first time using courtesy pay. This bank paid the check first then and then processed the 2 transactions which the {$10.00} balance would have covered and were also PRESENTED before the check was in written and even deposited for processing, charging me over {$100.00} in fees on items that had sufficient funds to cover and the option available for courtesy pay activated and they decided to REVERSE for no reason especially if there has not been an opportunity to utilize the product COURTSEY PAY/OVERDRAFT PROTECTION.

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 2021-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XXXX i purchased various merchandise from XXXX. The merchandise came damaged. I phoned calls and was told to discard the damage merchandise and that I would be refunded in full. Weeks went by and I received no refund from XXXX. On XX/XX/2021 I contacted XXXX via live chat. I spoke to XXXX XXXX She acknowledged the previous conversation. She apologized for not issuing the refund as promised. She promised to process the refund again in the amount of {$170.00}. She provided a refund confirmation number of XXXX. I never received the refund. Next I disputed the charge with Capital One. Capital One refused the process the dispute and re billed my account for this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WI

Complaint narrative:
received a letter on XX/XX/2021 stating I have XXXX debt of {$1400.00} issuing company and addresses listed on letter : JEFFERSON CARITAL SYSEMS, LLC Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX also XXXX XXXX  XXXX XXXX, NC XXXX also XXXX XXXX XXXX, XXXX XXXX, MN XXXX Website : XXXX Phone : XXXX the only action I took was filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: RC Willey
State: UT

Complaint narrative:
Received hard credit inquiry without any consent, form, request or verbal or written authorization to do so. I found out when my. Credit monitoring alert notified me on this hard Inquiry hit. I am not inquiring on new debt or soliciting for any services from any retail company as I am closing on refinancing for my home. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Purchased tv on 24 months promotion from Best Buy on XX/XX/2019 never picked up returned on XXXX XXXXOn my XXXX statement XXXX plus interest was added onto my bill.Contacted Best Buy to resolve issue the only solution they gave me was to pay XXXX for the amount of the original purchase.They said they put the return towards my regular purchases.That is not my fault as far as Im concerned thats fraud, I returned the tv there shouldnt be no interest.

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 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2021, I contacted Transunion after logging into their member services portal, I was not able to see my credit score or credit summary. I explained to the representative that I was on the website and logged into my account and on the dashboard, but it was not bringing up any of my information. It only provided a link to order the credit monitoring service for {$24.00}. When I asked the representative if the only way I could see my credit score or credit report was to order the credit monitoring service, he stated that I could go to XXXX to retrieve a copy of my credit report and credit score. If I can not access my credit file directly on transunion.com without purchasing a credit monitoring service, what is the purpose of an online account. I think this is unfair to consumers. The other credit bureaus XXXX  and XXXX  allow you to see your credit report and score online without purchasing additional services.

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 2021-05-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, Trans Union added a remark to my account regarding a dispute over the age of an account. My credit job 22 points for a reMark added to an account Found to be valid. I have no problem waiting the additional time in order for this negative account to fall off if it is valid, But its highly detrimental to lose points over a dispute. I was unaware that that was possible or else I wouldve never done that. Im doing my best to repair my credit and this undermines all of my hard work. I would like this remark removed.

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 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Consumer Finance, This complaint is regarding Paypal, they have closed my account for no apparent wrongdoing or going against any of their policies, and they will not help me access it back, I assume it is a mistake or review that was not done appropriately, I have tried contacting and have had no answer nor any help regarding the account limitation, which I believe is unlawful, which where I thought you could help out the situation, I use Paypal for my business and has over XXXX XXXX withheld by Paypal, this will affect my life and well being as I can not afford to have over XXXX XXXX withheld fraudulently. The email linked to my Paypal is ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: IA

Complaint narrative:
I recently obtained my credit report. I was shocked to find four Chase credit card accounts totaling $ XXXX filed against my credit report. I filed a dispute with the various credit reporting agencies. Chase removed three of the four credit card accounts as they were fraudulent but is claiming the fourth account ( JPMCB Card XXXX ) is not fraudulent stating that, we have a signed application and/or signed credit card disclosure on file for this account. Chase refused to provide me with a copy of the signed application or copy of the billing statements for the account. When I called, Chase was unable to provide me with the address that the account was billed to. Once again, this in the context of three other JPMCB credit card accounts that were fraudulent. Instead, Chase keeps wanting me to settle the account ten cents on the dollar in effect to take responsibility for purchases on the account that I have no knowledge of nor performed. 

As such, I am requesting that this account be removed from my credit report. In the alternative, if Chase wants to provide me with a copy of the signed credit application as well as the statements, then I will review to provide further evidence to Chase that this account is fraudulent. As documented in my prior communications, I have been the extensive victim of identify theft which has been reported to numerous agencies. 

Thank you, XXXX XXXX, MD PhD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: IL

Complaint narrative:
I will continue to file a complaint and have already escalated to my states attorney office. I have been requesting a method of verification since XXXX. All I keep getting back are letters claiming items I am disputing have been verified. Do to my FCRA I am entitled to receive any signed documents or information they have on file which are none. I just got a letter stating they will not reinvestigate however never a letter providing method of verification. XXXX  and XXXX  have removed the information because it is not mine. I am aware of the fake e Oscar system they use, where is documents showing I have a signed contract with XXXX XXXX, it is not one because I never signed anything with them. I need to see verified documents that you supposedly have. Once again I have already escalated this to the states attorney and if need be will be going the legal route. All I have been asking is for proof of verification which is my rights.

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