vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Well i just sent you all a complain against XXXX about not been far under the fair credit report act ... XXXX stated that they let me know and they didnt valid and let me see a where i sign to give these people permission to run my credit i file a credit freeze several times and they never got back with me about the freeze it should work like this if u have a credit freeze on your report they shouldnt let your credit be ran and contact u to see if u gave them permission to ran your credit they are breaking all type of federal laws if you all look at the time i put the freeze on my credit my credit was ran i HAVE XXXX XXXX XXXX XXXX AND THIS IS STRESSING ME OUT WITH THESE PEOPLE THAT BREAKING THESE FEDERAL TRADE COMISSION LAWS THAT WAS PUT IN PLACE TO FOLLOW FEDERAL I HAVE XXXX XXXX XXXX. I HAVE OTHER MEDICAL ISSUES AND THIS I DONT NEED TO BE GOING BACK AND FORT ... CALLING THEM AND DISPUTE ITERM AND IT DONT MOVE NO WHERE I NEED TO SEE A SIGNIFICANT WHERE I SIGN THESE DOCUMENTS GIVING THEM PERMISSION TO RUN MY CREDIT AND JACK IT UP ON INQUIRES SIDE AND CREDIT

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 2019-07-25 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:
XXXX XXXX XXXX been paid down with XXXX Fcra violation Transunion refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way

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 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Services, Inc.
State: AZ

Complaint narrative:
This company Account Recovery Services , Inc which i have NO CONTRACT with is Reporting on my credit reports fraudulently.

* Were you named on the original contract with the original creditor?

* If not, do you have a contract between your company and me, signed by both parties?

* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: TX

Complaint narrative:
XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way

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 2019-07-25 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: TX

Complaint narrative:
XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX   refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was charged a XXXX {$10.00} fee when closing my account. Wells Fargo said they waived the fee, but then sent me a collection letter indicating that they were sending to debt collection.

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 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CITI Double Cash Card ending in XXXX. Payment was due on XX/XX/XXXX, a Sunday. It therefore posted as paid on Monday the XXXX. I received a notice that since this was my first time late, the late fee was waived. This bogus " courtesy '' aside, the email sent to me by CITI indicates that they still consider the payment 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 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: OH

Complaint narrative:
I deposit a check into my checking account on XX/XX/2019 on XX/XX/XXXX i went inside Key Bank they explain to that the check was not signed right and that they were going to take care of this and that the check was cleared and the funds will be available on XX/XX/2019 well the XXXX came and there was still an issue with the check they frozen my account so i went to the bank with the same issue ask the manager to close my account she told me that she did and took my debit card i check my moblie account the account is still open she never honor my wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: MD

Complaint narrative:
Sovereign Landing Group Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX I am refinancing my house with Sovereign Landing Group Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX Sovereign sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX, MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for 2500 sqf big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: MI

Complaint narrative:
On XX/XX/2019 I sent written correspondence to Transunion regarding address information on my credit report that does not belong to me and in fact is being placed therein by the association to my ex-wife. TransUnion stated in their response here on a complaint I filed with the CFPB that this information was corrected. As of XX/XX/2019 over 4 MONTHS LATER the information remains on my credit report. 

These credit reporting agencies have too much power and hurt the average person who does not have the smarts to keep an eye on them. This results in the consumer paying higher interest rates due to misinformation being reported by the agencies. 

I am sending correspondences to my congressmen and senators to ask for more oversight on these agencies and more law enforcement rules and regulations. These agencies can place information on a persons credit report in minutes but take 30 to 60 days to remove something. This is wrong and hurts the person they do this too.

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 2019-07-25 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: IN

Complaint narrative:
I have never dealt with these creditors in the past. I contacted Transunion and address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) , XXXX XXXX ( ORIG CREDITOR : XXXX 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 2019-07-25 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: AZ

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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 2019-07-25 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: NY

Complaint narrative:
Dispute case number XXXX Merchant : XXXX Amount : {$670.00} Transaction Date : XX/XX/2019 I filed a dispute with JB Morgan Chase Bank for this charge on XX/XX/2019 ; Reason code : Merchandise/Service not received. The charge was for a flight ticket that was canceled by XXXX for engine malfunction reasons, this flight never departed the airport and I didnt receive any compensation from XXXX. 

XX/XX/2019, Chase posted a letter to my online banking account stating the following : We contacted the merchant to discuss the disputed transaction ( s ). The merchant sent us information showing why they believe the charge ( s ) is valid. We sent the information to you in a letter and asked if you wanted to continue the dispute ( s ). We reviewed the information available and found that you either received the services or the merchant made them available for your use. 

I sent Chase secured message requesting a copy of the documents they received by XXXX. I also mentioned that I didnt receive any communication or letters from them regarding this case as they claimed. 

XX/XX/2019, Chase opened a new dispute for this charge ; case number XXXX XX/XX/2019, Chase posted a letter to my online banking account stating the following : While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. 

XX/XX/2019, I sent Chase a secured message requesting the documents they received by XXXX and pointed out that the dispute reason code is not for billing error but for Merchandise/Service not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2019 I sent XXXX using my Paypal account. It was being sent to the XXXX to my friend using his friends Paypal.After I sent the money via Paypal I was informed by the friend and by the RECEIVER that she no longer had a Paypal account. I then called Paypal on the date of XXXX and told them of the situation. The rep. informed me there was NOTHING she could do. She advised me to contact my bank. Today, when going thru my email and researching this it shows that I had the option to CANCEL it.No where after I sent the funds was this option given to me. 

this appeared in my email ... ... ... ... ... ... ... ... ... ... ... 
Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient hasn't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX On XXXX I filed a dispute with Paypal. Then on XXXX paypal replied that the dispute was closed and the transaction would stand as if I sent the funds and the receiver received the funds. When Ifiled the dispute it gave me no means of filing the dispute other than the amount. So I chose the amount in question. Based on that MAYBE is why Paypal ruled against me. 

HOWEVER, I am NOT disputing the amount sent. I an disputing that the receiver has told me she has NO acct. with Paypal and that she NEVER received any such funds from my Paypal acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: AZ

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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX**** ; XXXX  XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX an unauthorized charge was made to my PayPal account. 
This charge was flagged as suspicious and I was notified. 
I immediately reported this charge as unauthorized. 
That should be the end of an issue. 
The company denied my claim stating that it was " consistent with my prior activities ''. This is plainly FALSE since I never send money to anyone. 

Transaction ID XXXX TotalXXXX EUR {$1100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25 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: IN

Complaint narrative:
The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX   XXXX XXXX , XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: AZ

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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) 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 2019-07-25 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: AZ

Complaint narrative:
I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. DPT EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XX/XX/2019 at XXXX XXXX called from XXXX : Asked them to make note that the owner of the cell phone is in the west coast. The person on the other end stated it was noted. Reiterated that it was XXXX XXXX and that continued calls at this time would be a violation of TCPA and FDCPA XX/XX/2019 at XXXX AM call from XXXX : Request a note be made that the cell phone is on the west coast. Individual on phone line said that they didn't know if it was XXXX or not. I advised it does not matter or not that I had told them that this cell number was on the west coast before and that they were in violation of TCPA and FDCPA. I advised her to note it on her account. That should further calls that it would be reported for violation. 

XX/XX/2019 at XXXX XXXX from ( XXXX ) XXXX : No requests were made as the phone call was not picked up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 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: IN

Complaint narrative:
The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX  XXXX  XXXX  XXXX XXXX XXXX, 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