vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 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: International Computer Systems, Inc.
State: LA

Complaint narrative:
There is a paid collection listed on my report from XXXX with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid  XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to XXXX, along with the other two bureaus in the form of a dispute letter. XXXX and XXXX deleted the account. XXXX   did not. 

The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information. 

As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and XXXX directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my XXXX consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. 

It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the Chase Total Checking through a mail letter and online, and met the Direct deposit sign up deadline for a XXXX $ bonus, and I never received the XXXX $ now Chase is charging me XXXX $ a month for service fees on an account I didnt need, and only opened for the bonus, and J.P. Morgan Investments. I called the customer support, and they even said it was not in the fine print that I needed to have a qualified direct deposit. The terms were to set up direct deposit. Not to have a direct deposit come through. I read the whole letter I received in the mail, and read the terms, and fine print. It was not stated. Therefore Chase is in violation and is stealing money through monthly service fees they would not give me their ID number .... I talked to XXXX, and a Lady Named XXXX ( Spelling ) I also talked to XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I sent 2 transfer forms along with a letter of instruction to XXXX ( will be the receiving bank ) to send to Synchrony ( the bank to transfer the funds ) so that this would not happened. One account was handle okay and the second, MMA Roth IRA ending in XXXX was not handled according to the document. It clearly states the amount to be transferred, and the letter clearly states not to close the account. 
I received 2 emails one telling the the account was closed ( so where is the balance? ) and shortly after another telling me the account is active ( so where is the balance? ). I logged in to find that they transferred the entire balance, which is not what is stated on the transfer form.

This is the second time that this has happened and the 4th error they have made. I called to get it corrected and was told no one was available ( the usual ) and no one could call me back shortly. The last bout took 2 months to clear up. 
Attached are the emails I received the email I sent to them securely the transfer form and my account showing that they took the wrong amount and closed the account. 
If this didn't happen to me I would not beleive that they could make this error again.

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 2019-05-30 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: NC

Complaint narrative:
On XX/XX/XXXX I requested Transunion investigate the XXXX XXXX account ( XXXX ) that is reporting as a CHARGE OFF on my credit report. 

According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Transunion has never investigated the account once the dispute was initiated. This is a violation of the FCRA.

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 2019-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I initiated a monetary transfer to XXXX XXXX XXXX XXXX XXXX, but it was sent to a XXXX XXXX who I do not know. The company refused to help me in any way and asked that I contact the complete stranger and request a refund. The amount was {$120.00} and {$3.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX of 2019, I contacted XXXX XXXX and asked to set up an auto-draw on my account for future payments. I assumed that was done until I received a call in XX/XX/2019 from an account representative stating that my account was past due. I again set up a payment to be auto-drawn from my account on XX/XX/XXXX. That payment wasn't drawn from my account and I had no idea it wasn't until I got a notice from XXXX stating that I had a 30 day late on my credit. My credit score went down 55 points. I have never in my life had a 30 day late on my credit. When I called XXXX XXXX, they were unwilling to help. They told me that I would have to provide proof that I had set up the account payment. Since it was over the phone and I was working at the time, I never received anything like that. I feel that it is unfair that my credit is ruined because XXXX XXXX didn't auto-draw the payment and now they are unwilling to help me. I need some assistance in getting this straightened out. My good credit is ruined for a mistake on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I viewed my credit report and saw that I have several student loans when I thought I only had XXXX. The student loans are listed under more than one account and I need only XXXX account for the student loan. I wrote the bureaus asking them to delete those loans which I knew nothing of as I only knew of XXXX student loan. I want to get my student loan as XXXX account and not several different accounts as I can not maintain several different loans. 
My Education loan is with Dept of Ed/ 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 2019-05-30 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: DE

Complaint narrative:
I have attached a copy of my credit file from XX/XX/XXXX showing a paid out XXXX XXXX account that I have. The account number is listed as XXXX and the high balance was {$15000.00}. This account was paid out in XXXX of XXXX as noted. I disputed the 60 day late payments during XXXX because I believe them to be incorrect. 

Equifax has now changed the historical delinquency to read that this account WITH A XXXX BALANCE SINCE XXXX, was 60 days late in XXXX and XXXX OF THIS YEAR. I have attached copies of the file from XX/XX/XXXX and XX/XX/XXXX. HOW CAN AN ACCOUNT THAT WAS PAID OFF IN XXXX BE 60 DAYS LATE IN XXXX? 

Someone has clearly changed this historical data AT EQUIFAX. I know it is Equifax and not at XXXX XXXX because the identical trade line on XXXX XXXX and XXXX   still shows the two delinquencies from XXXX and certainly not XXXX. 

This major error has dropped my score more than 30 points. This is clearly WILLFUL NON-COMPLIANCE with the FCRA and is likely subject to punitive damages in a court of law. The damage to my financial position and the costs for credit will all be part of such an action should I file it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: OH

Complaint narrative:
I request that these accounts formally be substantiated data conferred to the major credit bureaus for me, XXXX XXXX with respect to the unverified accounts mentioned below Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items.Since this is an error I demand that you send me the following proofs. Since I had some issues of fraud I need everything double check and reinvested As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Please send notice of a cease and desist to all creditors until documentations are properly provided. 
What would

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Called XXXX XXXX XXXX XXXX XXXX ( account XXXX ) &  paid the {$130.00} on XX/XX/19 confirmation # XXXX. Emailed payoff proof to Penn Credit Collections Agency on XX/XX/XXXX. XXXX XXXX XXXX has notified Penn Credit on XX/XX/XXXX, XX/XX/XXXXXXXX & XX/XX/XXXX that the payment was satisfied XXXX XXXX XXXX closed the case. My issue is that I am working with XXXX and opened a dispute/investigation so that XXXX can contact Penn Credit. According to XXXX, Penn Credit refuses to verify that debt has been satisfied from XXXX XXXX XXXX in order to remove my negative payment from the credit bureau. Waited another 2 weeks opened up another investigation/dispute with XXXX to contact Penn Credit and still they refuse to acknowledge that payment has been made, hence XXXX can not remove my negative from my credit. Penn Credit however did acknowledge through CFBP that they received verification from XXXX XXXX XXXX utilities that payment was satisfied and that they would closed the case which doesn't seem so. This is dishonest and disturbing, ethically wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX - Received two packages from XXXX XXXX. One was a bigger box and contained multiple books. The other was a smaller package and contained only one book. Because I did not order these books, I checked my credit card. I found an unauthorized charge of {$220.00} and then opened a fraud claim with Bank of America. The representative on the phone immediately reversed the charge. I was informed that I did not have to take any further action. - XX/XX/XXXX - Received an official BoA letter informing me of the credit to my account and that if additional information was received to reopen the case, I might be contacted again. 

XX/XX/XXXX - Received an official BoA letter informing me that " no fraud has occurred. '' - XX/XX/XXXX - Called BoA. The representative informed me that the case would be reopened for the fraud department to check. Told me to also contact the merchant, XXXX XXXX, directly with my information in order to better sort out the situation. A representative of XXXX XXXX, XXXX, told me to write up this timeline and include my phone number for contact. - XX/XX/XXXX & XXXX, XXXX - The merchant representative, XXXX, sent a XXXX  truck to pick up the books. They were picked up and sent back. - XX/XX/XXXX - I received email confirmation on the merchant 's side of receiving the books. They claimed to have sent BoA the money, and that now BoA is responsible for giving me my money. - XX/XX/XXXX - Still have not received my money. XXXX XXXX and asked for update. 

XX/XX/XXXX - XXXX said in an email : " Dear XXXX, Your are welcome. This will show up. It can take from XXXX XXXX or more business days for the reversal to be done. There is nothing more we need to do on this matter. '' XX/XX/XXXX - Called a BoA rep. Explained ALL of the above. Was told to send a paper letter detailing all of this, along with SCREENSHOTS OF EMAIL EVIDENCE to BoA. 

XX/XX/XXXX - BoA said they received my letter. Would get back in 30 calendar days. 

XX/XX/XXXX - Received the exact same letter again, although I did not send a new letter. Very confusing, XX/XX/XXXX - Called BoA, was told the case had been closed despite BoA NEVER GETTING BACK TO ME. Rep reopened the case and told me to bring paper evidence to my local BoA branch to be faxed to XXXX. Decided to report this outrageous story to the CFPB. Still have not gotten my money.

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 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Credit card number : XXXX I opened Account in XX/XX/2019. 
A few weeks after I started receiving lots of advertisement through the post some of which had affiliation to American Express. 
On a particular week I have received so many unsolicited letters that mail I was waiting for weeks had been returned to sender due to insufficient space in my letterbox. It took me 3 weeks with a cost of at least {$60.00} in telephone bills to receive this letter. 

Sometime around XXXX XXXX I complained about these excessive advertisement letters. I was promised that these letters will stop. 

Unfortunately this didnt happen as I kept receiving these advert letter in XXXX The one in particular letter that struck me most since the complaint with Amex was a letter from a company advertising prepaid funeral arrangements. Having suffered a particular ill health and consequent complex XXXX I felt very upset and disappointed with the credit card company that allowed these adverts through letter box. My family was very concerned about my XXXX  health as a consequence of my recent XXXX and ongoing upsetting letters and I decided I needed to close the account as it was too much for me. So on XX/XX/XXXX I closed the account. Since the card charged {$250.00} in annual fees I asked for its refund as american express did not act on my instructions to remove me from all marketing correspondence when I opened the account and later when I complained about ongoing unsolicited letters. I therefore demand the company refund the fees associated with the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I broke a lease on my apartment on XX/XX/XXXX. I had a job that was 70 miles away so I had to move closer. I gave the apartment manager a 60 day written notice and moved out officially on XX/XX/XXXX. The lease stated that I had to pay until they got a new renter or until the lease was up. They got a renter by XX/XX/XXXX meaning I would owe them for 1 month. I gave them a forwarding address, that they claimed I did not. However, I have had the same phone number since XXXX, so they could've called me for it. To continue, the renter wanted the apartment remodeled, so they chose to charge me for that time as well. So they charged me for 2 months plus they added pest control charges of {$350.00}. I didn't even get a bill in the mail from XXXX XXXX XXXX in XXXX XXXX, Florida. They sent it to NCC Business Services on XX/XX/XXXX who directly put it on my credit without even attempting to bill me. I told them when I called that I didn't owe for 2 months or for pest control. The manager of XXXX XXXX said she would take the pest control charges off but that I had to pay for the time that they were remodeling because my lease wasn't up. I contacted NCC and they forwarded my complaint to XXXX XXXX. When I called a few months later, NCC stated that XXXX XXXX said that they would drop the bill to {$1200.00} and that if I paid the bill, they would mark it as paid in full on my credit. I asked for that in writing and I never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2018 I contacted Bank of America to pay the balance on my credit card and close the credit card account. The reason I gave BOA for closing the account was that I no longer used the card. XX/XX/2018 a charge occured on the card for an annual magazine subscription. XX/XX/2018, BOA shows a 30 day late payment on the account. XX/XX/2018 BOA, shows a 60 day late payment on the account for all 3 credit reports for both myself and my wife. 

I have kindly asked BOA to remove the late payments from all of my credit reports and my wife 's credit reports. I paid the disputed charges ( {$77.00} ) plus interest despite the fact that the account should not have been active or open for such charge. 

My family is facing financial penalty and hardship due to a BOA error concerning {$77.00}. I believe BOA has made some effort to resolve the issue but upon speaking with XXXX this morning it is obvious they have not reached out to all parties. 

Any assistance your agency can provide would be welcomed.

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On behalf of XXXX XXXX  XXXX, this company has been harassing me for the last two years, claiming that I owe them money that I do not. They are stating that the money is due to a broken lease and eviction charges. My lease was monthly and nothing was broken. I gave the apartment complex 60 days notice, the woman who I gave it to took my letter and I dont know what she did with it. They never sent me any eviction notices, and if they did I had already left the apartment. They kept my security deposit which I believe I am still owed by them. This is very negatively impacting my credit score and now I am unable to buy or rent another home.

Company response to consumer: Closed with explanation