vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Hello I am a XXXX student who attends the University of Wisconsin-XXXX. I had received an email from my school email about a company called XXXX XXXX XXXX who was offering $ 100- {$130.00} a week for reviewing products. Because my school is a research university I had thought that this was normal, and just another research project. I went back to my parents house after the covid-19 situation in XXXX, WI. They sent me a check in the mail for {$XXXX} and told me to mobile deposit this ( XX/XX/XXXX ). I mobile deposited this check with Chase bank. I received both texts from " XXXX XXXX '' and emails from " XXXX XXXX '' who were apparently working together. After I deposited the check, they asked my to confirm that the check had been confirmed and processed by my bank. Then they asked me to make a XXXX payment of {$1500.00} ( XX/XX/XXXX ) to someone name XXXX XXXX. ( XXXX ) so that he could buy some I-95 masks that were supposed to be sent to me to review and distribute. Later they sent me a text that the payment had been canceled. I called Chase bank and asked them if the payment had been canceled, but they said it hadn't been canceled and that I would have received an email from either Chase or XXXX saying that the payment was canceled if it actually had been canceled. My bank account transactions also showed that the {$XXXX} payment did go through. That's when I realized that this was a scam and I both emailed and texted that I was done with the job. This morning ( XX/XX/XXXX ) I recieved an email saying that my account had been overdrawn and when I checked my account I saw a XXXX deduction putting my account balance in the negatives. This shows that this was a fraudulent check. I tried calling chase bank twice and both times after being put on hold for over 2 hours total, I was told that they couldn't do anything since the payment was made through XXXX. I tried calling XXXX, but XXXX said that if the payment was made through the bank 's website that only the bank can deal with it. Please help me, I want the {$XXXX} that was taken from me but it seems like no one cares and no one is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I used the PayPal service through the seller of an apparel product. I did not receive the merchandise until 3 weeks later. When I received it, of course it was nothing like it. The online store was in the US but the shipment was from XXXX. I contacted the seller via email, no response, via phone no response, when I went to the website it was taken down. I alerted paypal of this incident they opened a dispute, then sided with the seller because the seller claimed they sent it. I opened it up again they rejected it because they needed more information. Finally after the 3rd time trying to dispute this, this is when I got an email from the seller and they said it was an accidental mistake and that if I could just ship back the contents they would give me a refund, however they wanted me to cover the shipping cost. It was their mistake. It costs {$50.00} to ship it to XXXX. the value of the product was for {$XXXX} to which as of this posting I still have not recovered. Paypal says I must reply with a tracking number or they will close the case and side with the seller. they expect me to pay for shipping on a fraudulent seller instead of handling it with the seller instead of me. I fail miserably to understand how correction of fraud on the sellers part constitutes loss of money on my part. Here are the number of disputes : XXXX Other Closed XXXX XXXXUSDXXXXr XXXX, 2020 Case Resolution Decided in seller 's favour XXXX OtherClosed XXXX XXXXUSDXXXX XXXX  , 2020 Case Resolution Decided in seller 's favour XXXX Item not as described Need Seller Response {$110.00} USD XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I Have contacted Convergent outsourcing for Acct # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX XXXX. I have contacted this company by phone and sent several dispute letters with this company who is reporting to all three credit bureaus and it is negatively damaging and affecting me from obtaining credit. I have no agreement or contract with this company. By law i would need to see any contracts that was signed with my signature and convergent has not provided me with any of the information requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violations please remove the attached doc 's

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 2020-04-10 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax is denying me the ability to log in to my account in order to control things like freezes and other settings. 

They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. 

They said that I would have to make any account changes by phone ( hours long waits ) or fax ( don't have a fax machine ) until the end of time, they would never stop refusing to fix the issue. 

I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to control it. 

The individual I spoke with was : XXXX ID : XXXX of the Fraud Dispute and Online Department

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I have numerous medical bills that goes against hipaa laws I will list the accounts below along with my social security number : Account resolution Corpo Social security number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 Capitalone, store XXXX # XXXX {$67.00} I told to the Capitalone for fraud and they tell me that them found insufficient evidence of fraude..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports. I disputed the accounts and still haven't gotten a response

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 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the last two years my escrow has not been right and every time I call Sun Trust they say they are going to review and get back with me. Last month in XXXX I had to pay {$1000.00} more because they said escrow as low. In XXXX my monthly payment was suppose to go back to normal and that did not happened. I just called Sun Trust to find out they merged with BB & T bank but we were not notified. However ; this should not affect them giving me the information that I have been waiting so long for. In XXXX I paid close to {$9000.00} in insurance for my house but this year my insurance went down {$2300.00} and my mortgage payment still went up. The keep giving me the run around and I need someone that can clearly explain to me why this is happening. I need a copy of my escrow audit for a least the last 5 years so I can understand why my mortgage that has a fixed interest keep going up and down even when taxes and insurance go down. I have been a customer since XXXX and not once I have been late. My partner the other owner is a retired military and we can not afford all this that is happening with our payments specially now with the coronavirus and losing hours of work. I ask your help please. Thank you!

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 2020-04-10 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX  {$XXXX} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
This company reports that there is a balance with XXXX XXXX but the account was paid in full. On XX/XX/2020 this account was remarked as affected by the natural disaster and due to XXXX and losing family members I cant pay extra money that I dont have. I would need this company to provide the original contract from XXXX XXXX supporting services rendered. If contract information is provided then my HIPPA rights will be violated. Please delete this account permanently from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX an Account that I had with the Bank of America was to have received a {$200000.00} wir e transfer. I was unaware that the wire transfer was to happen and did not find out until XXXX, wh en the business sold that this automatic payment was supposed to happen. With that I contacte d the Sender of the wire and they proved that the funds left their account, yet there is no record of the incoming wire. There was also no return of the funds to the senders account. Under further review it is evident that Bank of America in transferring the wiring instructions made an error and used the wrong account #. Bank of America claims that the time period of 7 years has expire d and that I am out of luck. I find this to be inexcusable and would like satisfaction of the amount owed me. This is nothing short of theft. Below is a list of pertinent information. My Account information : XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Bank of America ) The Account information of the Sender : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX The Monthly Statement from the Sender states the funds went to account XXXX XXXX XXXX the first four digits of my ac count is XXXX, NOT XXXX. The senders statement also shows no return of the funds which never raised a red flag on their behalf. Bank of America still has the funds therefore and regardless of t he period of time that has passed regarding keeping of Statements, {$200000.00} would show up at t he end of year balance sheet. I have all documents to send to the Office of the Comptroller. I look forward to your response.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Awhile ago my identity has been compromised and there's still accounts reporting on my credit file inwhich does not belong to me. Both open & closed accounts even some authorized user accounts inwhich i have no knowledge of and wish to be removed immediately. Please remove and block the following unknown accounts inwhich I hold absolute any responsibility for. 

1 ) XXXX XXXX  2 ) XXXX XXXX Closed Accounts 3 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX  4 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX 5 ) XXXX XXXX XXXX XXXX  6 ) 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 2020-04-10 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:
I'm writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is DIVERSIFIED ADJUSTMENTS {$XXXX} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DIVERSIFIED ADJUSTMENTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DIVERSIFIED ADJUSTMENTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED ADJUSTMENTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED ADJUSTMENTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DIVERSIFIED ADJUSTMENTS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I Have contacted ARS for Acct # XXXX I have contacted this company by phone and sent several dispute letters with this company who is reporting to all three credit bureaus and it is negatively damaging and affecting me from obtaining credit. I have no agreement or contract with this company. By law i would need to see any contracts that was signed with my signature and ARS has not provided me with any of the information requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: OH

Complaint narrative:
Loan reported under chapter XXXX and was never included I have the paper work and has disputed this several 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 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
THIS COMPANY LVNV FUNDING LLC JUST SHOWED UP ON MY CREDIT REPORT TWICE, ONCE FOR {$690.00} FOR XXXX XXXX, AND ONCE FOR {$280.00} FOR XXXX? I HAVE RECEIVED AN OVERWHELMING AMOUNT OF EMAILS FROM THIS COMPANY AND HAVE ALREADY DISPUTED WITH THEM THAT THESE ARE NOT VALID ACCOUNTS. THEY HAVE DONE NOTHING TO PROVIDE ME WITH ANY LEGALLY SUBSTANTIAL DOCUMENTATION SHOWING TIMELINE OF MY OWNERSHIP OF THESE ACCOUNTS! THESE ACCOUNTS WITH THEM NEED TO BE REMOVED ASAP! JUST AN EMAIL " STATEMENT '' FROM THEM DOES NOT PROVIDE PROPER VERIFICATOIN OF DEBT BY LAW. BOTH OF THESE ACCOUNTS NEED TO BE REMOVED. I DO NOT OWN THESE DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I contacted Capital one on XX/XX/2020 to let them know I am out of work due to the coronavirus and unable to make payment. They place me in a deferment program until XX/XX/2020. Two days ago and today I receive an alert from my credit report stating that Capital one showed a 30 late payment or my credit report. I contacted them and was informed that the program that I was placed in was incorrect and that after today I would be placed in this new program given my previous and current situation. Capital one gave me XXXX credit for my late fee and stated that as of today I am showing 36 days late. I stated that when I called I was not late and was not made aware and clear on deferment due to virusI requested. I stated this would have prevented me from being late if entered or advised correctly. I've not been late with Capital one in years until this pandemic. I was told to contact the credit bureau directly to dispute and I did. I am awaiting response.

Company response to consumer: Closed with explanation