vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I made a purchase through the Bank of America XXXX XXXX for a flight on XXXX XXXX to XXXX  on Saturday XX/XX/XXXX with Flight XXXX. My confirmation number was XXXX and it was a one-way flight. I was not able to make the flight and immediately called XXXX XXXXXXXX onXX/XX/XXXX to have the flight cancelled and the refund processed. Immediately I received a " refund received '' confirmation email and soon after on Saturday, XX/XX/XXXX at XXXX AM I received a refund confirmation email. 
After the 7 business days suggested that I would receive the refund to my account I called Bank of America to inquire about the refund status and when it would be processed. I was told that they do not see a refund started by this merchant and to call them. I called XXXX XXXX to confirm the refund and was told it was processed and it is up to my bank to release the funds. I proceeded on to the airlines website to also check the refund status and it said completed. This went on for XXXX  months as I proceeded to call Bank of America every month to inquire why my refund was taking so long to process then they would tell me to call the airline. Both of which I repeatedly did. 
I understood refunds can take some time so I was patient for the first XXXX months as the airline said it could take as long as 30-90  days. However, with no success I am still without my refund. So I then proceeded to call back in XXXX to further inquire about the refund at which point I opted to file a claim hoping to expedite the process. This was all after I was told not to file a dispute in XXXX since the refund was already processed and should be showing on my account soon. 
After filing the dispute I receive an email that my claim status has changed on Friday XX/XX/XXXX only to be told that I have waited too long to file the dispute and the dispute fell outside the timeframes to retrieve the funds. I find this very unacceptable as I have been contacting your institution since the date the refund was processed by the airline and have received no help as a new user of the XXXX XXXX This was my first time using thisXX/XX/XXXXXX/XX/XXXX and ever disputing a claim with Bank of America and it has been the most difficult experience. I hope to get this issue resolved before the end of the year.

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 2021-11-27 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : MEDICAL DATA SYSTEMS Account Number - XXXX Amount - {$2100.00} MEDICAL DATA SYSTEMS Account Number - # # # # # # # XXXX Amount - {$920.00} MEDICAL DATA SYSTEMS Account Number - # # # # # # # XXXX Amount - {$1000.00} XXXX  XXXX XXXX Account Number - # # # # # # XXXX Amount - {$180.00}

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 2021-11-27 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$1000.00} PARAGON REVENUE GROUP Account Number - # # # # # # XXXX Amount - {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting my account ending in XXXX incorrect to EQUIFAX Credit Bureau ( ONLY EQUIFAX ) In the field titled Date of Major Delinquency Reported XXXX XXXX  has this date as XX/XX/XXXX - this is entirely incorrect! 

The date in this field should be XX/XX/XXXX. 

Please update. By havingXX/XX/XXXXin that field its re-aging the debt on my report. 

The date of first delinquency is Correct. 
The date of Major Delinquency is INCORRECT. 
It should be XX/XX/XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Nelnet, Inc.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : DEPT OF EDUCATION/NELNET

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased online XX/XX/2021 to purchase costume for {$200.00} and {$52.00}. {$1.00} and {$6.00} are international fees. Purchase costume is used for street parade art performances on XX/XX/XXXX and XX/XX/XXXX. The purchasing agent promises to arrive in the United States within 3-5 days. The package has been delivered but arrived are not on time and not needed anymore. So I requesting for refund. 
I contacted purchasing agent directly to get shipping confirmation after ordering on XX/XX/2021. But purchasing agent did not give response. Until XX/XX/2021 The purchasing agent told the buyer the required shipping fee, so I then remit {$300.00} immediately, which is not enough, then increase the remittance {$200.00}. {$6.00} and {$9.00} are international fees. Total items and fees is now {$780.00}. 
The buyer contacted the purchasing agent on XX/XX/2021 for shipping details. I requested a refund if not shipped yet on XX/XX/2021 at XXXX AM. Contacted conversations included in separate page. 
On XX/XX/2021 XXXX AM the " XXXX '' of agent purchasing said : " already shipping, tracking number : XXXX ''. In fact, the package is not shipped at this time. According to the agent purchasing tracking system, it shows : " Document Clerk : XXXX XXXX, the printer Clerk, is delivering the package for you. '' it is XX/XX/2021 at XXXX AM. Until XX/XX/2021 at XXXX PM, the agent purchasing tracking system showed " Your package has been shipped from XXXX and it be expected to arrive within 3-5 working days I called the customer service of Bank of America as early as XX/XX/2021 in the morning, requesting the bank to investigate the transaction that the buyer requested to cancel due to the deliberate delay of purchasing agent, and return the mandatory transaction payment. The package has been delivered to the buyer 's address on the afternoon of XX/XX/2021. The package has not been opened because the scheduled holiday performance time has been missed. I am waiting the purchasing agent to provide a return label and address of their warehouse to return the package. 
The decision not to refund is unfair to the buyer

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 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following payments from XXXX & XX/XX/XXXX2019 are inaccurate. Payment was never late. How can my payment go from 60 to 60 days late without even being 30? This proves the inaccuracies. 

XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$910.00} {$910.00} {$800.00} Credit Limit : {$800.00} {$800.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
this is my 2nd attempt for MERCHANTS ADJUSTMENT SERVICE, INC, I sent my last letters on XX/XX/2021 for the alleged debts of XXXX, and XXXX that I do not owe.my first set of letters requesting the validity of the debts were on XX/XX/2021 and I never gotten a response from them which is a violation of 15 USC 1692g ( 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 consumers 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. also violated 15 USC 1692e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt, as well as 15 USC 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization because they usees the names of SOS GROUP and HEAD MERCANTILE CO I, which is not the original legal name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting. 


XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$4100.00} {$3600.00} Credit Limit : {$3000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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:
In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated below. Thirty days should be enough for you conclude this procedure. 


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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CA

Complaint narrative:
Letter to Capital One on XX/XX/XXXX : Recently I learned when applying for a new loan that I have a 30 day late notice on my credit from XXXX of XXXX. This was a credit card invoice that was emailed to me over XXXX during a time that I was traveling overseas. When I returned, I immediately paid the bill and have not missed a payment since. Would it be possible to remove the notice after all this time or at least issue a Letter of Deletion? I would be very appreciative. Thank you, They responded on XX/XX/XXXX with a form letter saying " they were unable to change our reporting on a courtesy basis '' The outsized damage to my Credit and my ability to obtain a mortgage at a reasonable rate is completely out of proportion with missing XXXX month of a credit card payment, and would be an appropriate focus of the XXXX in the interest of the many with this kind of issue. Does an entity like Capital One benefit monetarily by maintaining reporting even after the issue is resolved? Surely their economic benefit is no match for my loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$0.00} {$2000.00} Credit Limit : {$2000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account legally paid in full for less than the full balance. 
XXXX*CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. 
Paid charge off Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for a Target credit card that was opened on XX/XX/2021. I added XXXX authorized users on to the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021. They placed my account in a restricted status requiring me to submit documentation to verify my identity, which I did. I faxed them the requested documents in the beginning of XXXX. They claimed the faxes came through blurry and continued to demand faxes. I offered to email the documents, and they said for my protection, they don't accept emails. I told them I could send an encrypted email, they declined. I told them to cancel my account, and they refused. This is an FTC violation of a barrier to cancellation. I told them if they think I'm breaking some laws to contact the FBI. This is a {$500.00} credit card. This is insanity. I have a XXXX minute conversation recorded legally, as I'm currently in the state of XXXX, and also I notified the representative that I was recording the call anyway. She stated that it's their policy that they can't cancel until I do something extra. 

This is resulting in the following : Their customer base appears to be larger than organic due to barrier to cancellation. 
My credit report is being impacted, and will continue to be impacted permenantly due to this barrier to cancellation. 

The representative refused to transfer me to their manager claiming to be the end of the line, and so I'm coming for your help.

Company response to consumer: Closed with explanation