vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 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: OH

Complaint narrative:
Vacation to XXXX was purchased through XXXX in XXXX of this year for traveling XX/XX/XXXX - XXXX. Travel was restricted to XXXX due to the pandemic. I tried to reschedule the flights and resort stay to later in the year working directly with the resort and airline. I also tried working with XXXX, they responded once and then went dark. It turned out that XXXX did not pay the resort or airlines even though I was only a few days away from the scheduled travel dates. 
XXXX has closed up shop and cheated many people out of their vacations / money. 
I have filed a police report with the city in FL is which they are / were located. 
I have disputed the charge through Chase and XXXX XXXX XXXX, both have denied my claim. 
XXXX XXXX website and phones are non-responsive. 
I paid the credit card company for services that I ended up not receiving and the final vendors did not receive payment, otherwise I could have rescheduled the flights and hotel stay. 
There is even a XXXX page 'scammed by XXXX XXXX XXXX 
I have attached relevant emails and the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: OH

Complaint narrative:
There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX  ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ohio XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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:
There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX ohio 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 non-monetary relief
Consumer complaint received 2020-10-04 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XX/XX/2020, I used the XXXX site to try to access my Equifax report. The challenge questions presented by Equifax in that process were all completely unfamiliar to me, as if someone else 's information had by comingled with my file. The Equifax site concluded by telling me I had to file by mail. 

On XXXX XXXX, I downloaded the Equifax form, and filed it, along with the required supporting documentation, by mail. 

On XXXX XXXX, I received a letter from Equifax demanding " additional information '' before they would fulfill my request for the report. The additional information requested was only that information that accompanied my filing of XXXX XXXX. 

Nevertheless, on XXXX XXXX, I sent a letter along with the requested additional ( duplicate ) information. I have had no acknowledgement or response from Equifax since. 

The same thing happened to me last year when I tried to get my report from Equifax. CFPB was able to help me on that occasion ; I am hoping you can help me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX 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 XXXX XXXX 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 verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX 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 verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

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 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
A company named Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX has filed a collection for {$220.00} against my name claiming they are collecting on behalf of XXXX XXXX XXXX XXXX. The charge they claim is for XX/XX/2020. I contacted XXXX XXXX XXXX  directly and they have no knowledge of any debt I owe them. Besides, all my XXXX bills are paid directly via auto pay linked to my debit card or bank account. This includes the XXXX XXXX  component as well as 4 wireless lines. I do not have any other accounts with XXXX. I am enclosing a chat transcript with XXXX  and screen shots of my bill pay history for all my XXXX  accounts. 

I also researched on XXXX  and other websites that there have been over 530 complaints against Sequium Asset solutions https : XXXX I believe this company is a fraud and they are trying to scam people. Such people need to be shut down and criminally investigated. 

I tried to resolve this with XXXX but they said they investigated the dispute and believe the account is indeed mine - which is completely baseless unless my identity was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: IN

Complaint narrative:
There are two recent collections reported from " XXXX XXXX   XXXX XXXX XXXX ''. For starters - I haven't lived in Indiana or been to a hospital, doctor, or been seen by a physician in that state in over 7 years. 

Moreover - I have XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, along with XXXX from the State of Virginia. I have had this coverage since 2013. Any medical expenses I MAY have incurred would have been MORE than covered by my insurances. 

This is a XXXX collection that is UNRELATED to me, and I want it removed from my credit, like YESTERDAY. FIX THIS XXXX - YOU SEEM TO HAVE CONTROL OVER THE NATION 'S FINANCES AND THE WEALTH OF EVERYONE - I'M SO TIRED OF BEING STUCK ON THE BOTTOM RUNG OF SOCIETY 'S LADDER BECAUSE YOU WANT TO REPORT FALSE INFORMATION. FIX THIS OR I WILL HIRE AN ATTORNEY ( NOT TO SOLVE THIS - TO FILE A CLASS ACTION LAWSUIT ). GET YOUR XXXX TOGETHER EXPERIAN.

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 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC locked me out of online banking due to a mobil check that was endorsed. The check was legitimate. They said they would close my account and mail out a check I have talked to 17 different representatives and 3 supervisors. No one can tell me anything. I tried to close the account myself and was willing to pay XXXX . They won't allow me to do that. Im on unemployment and cant pay my rent and am about to get evicted. I have read multiple news articles about numerous customers having the same issues. It took people 5 months before they they received their money. I cant wait that long. Please help me! I was directed to you guys by the multiple articles I have read with people going though the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a credit freeze with Experian. To refinance my loan I unfroze my credit using their website tool and it worked without an issue. 

After the refinance was complete when I try to refreeze my credit report with Experian, their website gives me a very hard time to use the freeze tool. Instead they're trying to push me to purchase their " credit lock '' product. When I try to freeze my credit, the website takes a very long time to respond at each step which caused my browser to either timeout or look like something is wrong. At one step it took over 3 minutesthat it felt like something is very wrong which makes it frustrating/difficult for the consumer. Basically they're making it hard for the consumer to use the credit freezing tool and push them towards pushing their premium product by making it difficult, painful and almost impossible to use their online credit freeze tool. 

This is harassment and violation of the federal law to allow me to easily freeze my credit. This is only specific to Experian and I've no trouble freezing my credit with the other agencies, all of which took me less than 10 seconds to complete. The Experian website and other services/tools respond instantly, they've intentionally slowed down the freeze tool only to push people to purchase their alternative product.

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 2020-10-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I discovered CONVERGENT OUTSOURCING has re-aged old debt on my credit report. I filed a dispute with XXXX, and it nothing was resolved. XXXX charged off a private student loan debt in XXXX of XXXX in the amount of {$24000.00}, and it has been present on my credit report since. In XXXX of XXXX, I discovered via my credit report, that Convergent Outsourcing placed a collection for a new account in the amount of {$57000.00}. After further research, I discovered the aforementioned charged off student loan has been re-aged on my credit report. The re-aged debt is showing an account opened on XX/XX/XXXX, and late payments were reported in XXXX of XXXX. The current past due balance is {$58000.00}. Please let me know if further information is needed. Thank you for your time.

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 2020-10-04 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: IL

Complaint narrative:
I have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX  XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am an XXXX  year-old man on a fixed income. I am XXXX  XXXX and am in XXXX  after battling XXXX for the last year and a half. On XX/XX/2020 I was having problems accessing my XXXX XXXX XXXX account on my TV so I asked my cell phone to call XXXX support. My phone said " I found this number for XXXX support on the internet, would you like me to call it? '' and I said yes. A man answered the call and identified himself as an XXXX support attendant. I told him I was having problems and he said he could see the issue but would need access to my computer to fix it. I granted him access. He said there were a number of issues to deal with and that he could see that someone recently purchased an XXXX XXXX on my account. I told him I had not made that purchase. He said he could fix it but would need my credit card number. I gave him the number. He said he accidentally credited my account {$3900.00} so he was going to correct that. He said he took care of the iphone charge but that it was going to take a while to fix my account because someone had hacked my computer and installed programs that were going to steal from me. He said I could go about my business while he worked on the problem. I left the situation and returned the next morning to check my computer. I found that he still had control of my computer. I called him and he said they were still working on the issues. I asked how much longer it would take and he said he wasn't sure so I again left the situation and went about my business. I returned to my computer on Monday, XX/XX/2020 and found that he still had control of my computer. I told him that if he didn't release control I would call the authorities. He released control and I checked my bank account to find that there were a number of credit card cash advances and wire transfers showing on my account. I immediately called the bank ( Wells Fargo ) to report what happened and let them know I did not perform or authorize those transactions. The bank closed my credit card and checking accounts and issued new cards and new checking account number. The bank said that they tried to recover the money wire transferred but when they did the receiving bank said there was no money to recover. Wells Fargo says that's all they can do.

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 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I have filed identity theft affadavit with the ftc on this debt.this company is still trying to collect the debt and have not provided any verification of the debt having my wet ink signature

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 2020-10-04 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In XXXX of 2019, I purchased a desk from XXXX, using my PayPal Credit/Synchrony Bank credit account. Due to an issue with international shipping and customs, the item was never received, and it was returned to XXXX. XXXX 's shipping vendor, XXXX, coded the return incorrectly, and charged me {$370.00} for duties on an item I never received. That was when I filed my first dispute with Synchrony, who, in the end, did not find in my favor. Come to the present, approximately 11 months later, and multiple disputes filed, I am still fighting with Synchrony over the charge. I have provided emails from XXXX stating they will cover the charge, and I even have a recent letter from Synchrony stating the charge was taken care of, only for them to turn around and add it back to my account. I just had to file what I believe may be my 7th dispute with Synchrony.  Synchrony has not once called me, nor have they reached out to the vendor, per my instructions, to claim the refund. Their dispute resolution team does not have a telephone number, nor do they take calls. I have no option but to continue filling disputes every time I am denied my claim. This could have serious negative implications for my credit, as well as my finances. Without a way to contact their dispute team, I am at a loss.

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

Complaint narrative:
There is incorrect information 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
Consumer complaint received 2020-10-04 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: IL

Complaint narrative:
I have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT

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 2020-10-04 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 have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT

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 2020-10-04 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: GA

Complaint narrative:
Credit reporting agency keeps reporting a fraudlent account that has not been verfied correctly.I have also filed a indentity affadavit with the ftc on the fraudlent account. The account is XXXX XXXX in the amount of {$560.00}

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