vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 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:
Date Reported : XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH 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 2020-04-26 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: FL

Complaint narrative:
Date Reported : XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NV

Complaint narrative:
These are not my accounts, nor my addresses. Please remove 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 2020-04-26 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: NV

Complaint narrative:
These are not my accounts, nor my addresses. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
Hello, I would like to submit a complaint about an unauthorized money transfer that happened using my Remitly account. 

Remitly is a service that I use to transfer money from USA to XXXX and it is connected to my bank account at XXXX XXXX XXXX. 

On Friday : XX/XX/2020, I noticed that my Remitly account was used to transfer {$2000.00} to XXXX XXXX  XXXX. I did not know the recipient, neither did I recognize any of the details of that particular transaction. 

Remitly customer service was very prompt in disabling my account and stated that I get in touch with my bank so that bank ( XXXX XXXX XXXX ) can directly contact Remitly to initiate an investigation. 

I do not know the status of any investigation and whether my funds will be returned to me. 
I do not have any way to get in touch with Remitly since they disabled my account. 
I will really be grateful if that {$2000.00} is returned to me during this time of Cobid19 pandemic. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I received my card on the XX/XX/2020 and called customer service after opening the card and seeing the APR I am contacting you regarding my recent application to a discover it card, I received an offer in the mail that stating that I would be getting an APR of 13 % when i received my card I was told that they were giving me 20 % as my APR. 
I did talk to a rude women on the phone who only said that it had to be done at the time of applying. Seeing how it is not clearly stated on the letter with the invitation number I feel as though this is a gross representation of the pre-screened offer that I received. I also never received an initial APR offer of 20 % upon applying or I would have never signed up for the card seeing how much higher it is than what was offered in the mail. Is there any way this matter can be resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: LA

Complaint narrative:
show tooltip button XXXX XXXXDispute  XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute ftc violations

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: LA

Complaint narrative:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations

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 2020-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
Per the Fair Debt Collection Practices Act 15 USC 1692g, I am supposed to receive written notification giving me the right to the dispute the validity of this debt. I have not received written notification from National recovery as the guidelines of the FDCPA states, which is outlined below : a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. You have deemed the debt valid by putting it on my credit report before sending me written notice and allowing me the 30 days to dispute. I had no knowledge that I owed a debt to give to the client because I paid the company {$790.00}, which I was told that was all I owed. They should have billed my insurance dental for the dental procedure and medical for the medicine. I did a change of address with the post office, also if the mail was returned, that does not constitute a right to add a debt as valid on my credit, per the FDCPA guidelines. Your response said that I probably didn't receive any notices because you had the incorrect address and the mail was returned to you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
American Express Serve gave us a temporary card but it will not work. We tried calling three different phone numbers for them and are either on hold for many hours or get hung up on without being put on hold. We never received our actual card in the mail and realized that they didnt have our apartment number down when we tried to fix the address so they could send a replacement card it says to call customer service but they dont answer the phone and Ive read hundreds of reviews saying that they cant get ahold of this company either and it seems like this company is trying to steal our money. Weve had problems with trying to contact this company since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am using an app called XXXX to buy online lottery tickets in my state. When I try to connect my bank with the application to have the payouts from my winnings transferred into my bank account I get an error message that states that my bank made a change to their system and is not allowing the connection. XXXX advised me that they are working with my bank to resolve this issue but they also advised me to file a complaint with you, so that I can get access to my account and have it connected with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card from BEST BUY/CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BEST BUY/CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BEST BUY/CBNA with no successful resolution. XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

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 2020-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Today in the XXXX of XXXX, I received an alert from my credit monitoring system which reported that Kohls reported that my payment was late. I contacted Kohls and due to COVID 19, they were unable to answer however it asked if I would like to make a payment of {$2.00}. I Paid the card off a month or two ago and the {$2.00} was for finance charges accrued after I made the final payment. It should not have been reported as late for the finance charge when I paid the entire balance one and also COVID allowed a deferment even though I never called because I paid the card off in I believe XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
A dispute was generated by Experian on XX/XX/2020 for a closed account according to my Experian Credit Score account. When I disputed this, Experian not only took off the closed account, but took my credit card account off of my Experian credit score account as well. Now my credit score account says I have 0 open accounts when in fact I do have a checking, savings and credit card account all with XXXX XXXX XXXX. And XXXX also told me Experian isn't letting them pull up any of my information to fix the fact I can't check my credit score on XXXX. When I try checking my credit score on XXXX it says " unavailable at this time. '' To conclude my complain/problem I need Experian to put my open account back on my Experian Credit Score account so I can continue increasing my credit and I also would like my credit score points from the duration of my open account not being on my Experian account to be reimbursed and Experian also needs to fix XXXX so I can check my credit score on there again. Sorry for any inconveniences, but I have sent several emails and made several phone calls and still have nothing resolved.

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 2020-04-26 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: NJ

Complaint narrative:
I disputed a charge with XXXX of {$2200.00} on my Chase Visa Business Ink Plus card dated XX/XX/XXXX. On XX/XX/XXXX, I was notified the dispute was in resolved in the favor of XXXX but for some odd reason wasn't informed as to the procedure to appeal the decision which is usually written on the same letter. I've tried to call all day today but haven't been able to get through to a live person with the number they've provided me. I just sent a secure message and there's a notice saying " there might be a delay of a one or two weeks longer for a reply, '' The last time I got that response, it took one week to get a reply stating someone will get back to me shortly. I know I have only a limited period of time to file my appeal. If I miss that window, I will be precluded and lose my right to appeal. My dispute contained 34 pages including over a dozen pages of emails and photographs which I don't think were received and/or reviewed. Last time I submitted documentation for a dispute with Chase Visa, they sent me the response from the merchant for my review to my documentation and my dispute was overturned on appeal. This time, I never received anything except a letter. Finally, when I file a notice of appeal, the charge is supposed to be temporarily credited from my account until it's resolved if I'm correct. Can you please assist me in resolving this. Chase is usually fair about matters like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2019, the car was taken away from me without any notice, I did not miss any of my car payment and ruin my credit report. See my months been paid. I believed they took my car out of my apartment 's private parking lot. I was going to sell my car for a in trade with a dealer. They took my car away. the amount is {$4000.00} on my debt. 

I found this Lobel Financial CORP is a dirty business, they never send me a payment letter, only online with fee plus charged there is no another option to make a payment. There are many negative reviewers say about this company because we become a victims. 

I found out my car is stolen and this vehicle was in an accident say on the XXXX report when I was trying to purchase for another car and in trade for my former car. 

This CORP try to force and make me pay my debt that car was taken away from me. Did not miss any month payment. I refused pay because they charged me for extra money on the fee tow and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2020-04-26 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: FL

Complaint narrative:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

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 2020-04-26 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: FL

Complaint narrative:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

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 2020-04-26 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: TX

Complaint narrative:
Wrong, Fraudulent, Inaccurate information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation