vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XX/XX/2020 I bought some teeth straightners from XXXX XXXX XXXX I went through getting XXXX XXXX and sent my products in and then the company agreed to send me the trays for my teeth but they never sent them. I then waited a couple of weeks and then contacted the company - they didn't respond. So, I reached out again and said that I would file a credit card dispute if they didn't respond. They then responded by saying they were not in a financial position to give me a refund and that they would send me my trays if their business got better and essentially we would let you know. I filed a credit card claim with Bank Of America In XX/XX/2020 they sent me a letter stating the would follow up with me by mail about the claim XXXX came no letter. XXXX no letter. I called and they told me they had 3 months by law and they were still working on it. I then sent proof of the emails from the company stating that they wouldn't pay and that I needed to be refunded they company still hasn't responded even though I've called and they do say they received my letters. They themselves told me that they had until mid XXXX to resolve this issue or it would break the law. However, the company XXXX broke the law and STILL has not responded. I need help!.

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 2020-08-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX, XXXX, and Experian is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.

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 2020-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: TN

Complaint narrative:
I received a phone call from Paragon revenue group in XX/XX/2020 stating I had a debt placed with them. I told the representative in that phone call that I didn't have such a debt and I requested validation of it as provided by law. I then prepared a written statement outlining that the debt was incorrect and false and asked for proof of such debt. The letter was mailed via USPS and signed for by Paragon Revenue indicating receipt. On XX/XX/XXXX the account was listed on my credit report and no proof of the debt has been provided. Zero proof or documentation has been provided by the collector. This fraudulent reporting has damaged my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'VE BEEN TRYING TO GET THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT FILE FOR SEVERAL MONTHS NOW AND THEY KEEP TELLING ME THE CREDITOR VERIFIED THAT THE ACCOUNT BELONGS TO ME BUT I'VE NEVER RECEIVED ANYTHING BESIDES A BILL WHICH DOES NOT BELONG TO ME. THEY KEEP CHANGING INFORMATION RELATED TO THE ACCOUNT WHICH I'VE INCLUDED WITH THIS COMPLIANT. THE ACCOUNT HAS ERRORS WHICH IS A VIOLATION ALSO.

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 2020-08-30 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: AL

Complaint narrative:
XXXX, TransUnion, and XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.

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 2020-08-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax, XXXX, and XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
Dyck O'neal is a debt collection agency. They have purchased a debt and reported it as open installment accounts. They have dishonestly reported an account ( ending in # XXXX XXXX to all the reporting agencies. They are currently reporting this as a part of a bankruptcy that was discharged in XXXX yesterday the account as opened in XXXX XXXX. I have disputed several times and they continue to change the data inaccurately, fraudulently and misleading. To find out this is in fact an attempt to collect a debt. They are reporting it as an installment which it is not. Dyck O'Neal is plainly titled as a collection agency, not an original creditor and has not validated any debt owed. I have received no information from this company via mail or otherwise to resolve any debt with them, which is failure to notify according to FCRA regulation. The attached document shows the mid information and their refusal to remove it is violating the FCRA. They continuing to submit information that they know is incorrect, and XXXX, a XXXX, and a XXXX  has allowed this defamation. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
This complaint is in regards to three employees a part of the US bank branch in Ohio who are a part of the US bank enterprise unit. Today Sunday XXXX XXXX I became aware that XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested for my newly opened US bank account and temporary card which had my funds on to be blocked. The actions that they have acted on were very inconsiderate of the stress that they have caused me. While on the phone speaking to different reps. For hours regards to this matter a representative was able to come to the conclusion that XXXX requested to be the only one to be able to release the hold and not be available to contact on Friday, Saturday and today Sunday. All today XX/XX/2020 I have been talking to reps. At US Bank trying to research why those employees above requested for my funds to be marked as supposedly claiming " Fraud '' to purposely caused me distress and not be able to access my funds. I'm highly upset with this matter and want serious action to be taken against those three employees who have caused me such unnecessary stress during an already tough time for everyone. In the final research that the employees did via over the phone they were able to discover that XXXX XXXX XXXX had put in notes that my previous charged off account was not paid for which is inaccurate information. The previous charged off account was paid for in full in cash at a local US Bank branch located in my resigned State of XXXX California. I was also provided with documentation that shows that the payment had been completed and accepted on XX/XX/XXXX of 2020. Now is not the time for employees like XXXX XXXX, XXXX, XXXX XXXX XXXX along with XXXX XXXX XXXX. To not do the necessary process of research before making a claim all of these issues could have been avoided if they had taken the important steps to do research. Mistakes like such should not have taken place at all especially during these unpredictable times. And considering that us bank is a financial institution a MISTAKE LIKE THIS SHOULD NEVER TAKE PLACE.This very stressful situation has changed my whole experience and perspective on continuing banking with US bank.

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
Debt recovery solutions continues to contact me regarding a debt that has been discharged in bankruptcy. The original creditor is XXXX XXXX  and they were notified and then they sold it to XXXX and they were also notified, then DRS and they were notified however they continue to ruin my credit by reporting this debt as money owed with a balance when it should have XXXX XXXX and be included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent sent a dispute to Experian certified mail on XX/XX/XXXX advising that there were incorrect things reportinng on my credit. I sent the letters certified mail and I do have receipt it was delivered XX/XX/XXXX. 45 days later I called they told me they never reviewed my dispute but I have proof it was delivered. I sent another letter that was delivered XX/XX/XXXX certified mail. It has now been over 60 days since my initial letter. I have a fraud alert placed with Experian. The incorrect collections and charge offs still have not been removed. I can sue for {$1000.00} per incorrect item they are reporting. I have followed up with the creditor and both Experian, these items are not showing up on XXXX  and XXXX, only Experian. 

The items are as follows XXXX XXXX  {$120.00} XXXX XXXX  {$250.00} XXXX XXXX {$1400.00} XXXX XXXX {$5600.00} XXXX  XXXX {$1400.00} XXXX XXXX {$13000.00} US DEPT OF ED {$7300.00} XXXX  XXXX  {$1900.00}

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 2020-08-30 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: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX XXXX, Discovered on my Equifax account /report that they have an address of XXXX XXXX  XXXX XXXX With the year XXXX. This is listed under contact information. Under disputes theres no way for me to even dispute it and it doesnt allow me too via online. I shouldnt have to make any phone calls or send anything through the mail. I have an online account for a reason. Attached is a screen shot showing this on equifax. XXXX XXXX  XXXX XXXX went into foreclosure in XXXX. On the website XXXX theres public information in regards to the purchasing/deed in XX/XX/XXXX and the foreclosure in XXXX. Screen shots of that is attached to this complaint. I want to know exactly where they got the year XXXX, if public records prove the years XXXX and XXXX. Who told you or provided the documents and where are you getting XXXX from? If its on another consumer report such as XXXX XXXX that equifax owns, thats a major problem considering they are supposed to be pulling from public records by law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I was sold counterfeit coins by a XXXX company that operated under several names and was advertized on XXXX and the money was taken in by paypal. I will include police reports and an IC3 form detailing the dollar amounts. PayPal at first offered me a system by which I could get a refund and refunded one of the shipments and then led me on a wild goosechase through there messaging system ( which they said was the only way they could be contacted, so i was never able to talk to a real person although I requested this multiple times. They said they would do it, but then refused. They wanted me to ship the coins back to the counterfeiters at my own expense and wait for a refund from counterfeiters. I refused to do this as it is against the law and two of the coins if real had a {$40000.00} plus value. In addition although I was in contact with paypal daily, reported this to XXXX which was running the ads, the police department, the FBI and the Secret Service, they are still running the ads and operating the same scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In JXX/XX/2020 i payed off the largest loan on my credit, XXXX or so dollars via the collection agency that had been hounding me relentlessly for XXXX ( XXXX XXXX XXXX  ) and i negotiated that i would pay the entirety at once in return for the account being wiped off my credit within 2 reporting dates and even though i held up my end of the bargain and was told 10 days later it would be reported i have seen nothing after 2 months. i can provide the email conversation with the representative and the receipt of debts paid

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 2020-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This collection company keeps on contacting me trying to collect a debt that i do not owe. It is impacting my credit score negatively.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: AZ

Complaint narrative:
I payed off the largest of my student loans in full on XX/XX/2020 after negotiating that XXXX XXXX XXXX ( the debt collector for XXXX XXXX have the account completely removed from my credit within 2 reporting dates. They claimed to have submitted the files but there has been no report on my credit to ANY of the beauros, we're now going into XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My place of employment has been closed since late XXXX and is still closed. 

We are having difficulty paying our bills, particularly our credit card debt. We have debt with Chase Bank on a Southwest Airlines Visa credit card. 

Chase continues to charge us what we consider to be the exorbitant and usurious rate of 15.99 %. We have never missed a payment and are shocked that they continue to charge such high interest when interest rates are at historic lows. We have called them several times ( the last was on XX/XX/2020. We don't recall the two times we called previously. ) to request a reduction in our rate during these tough times. Chase has refused our requests. 

Surely, you must have other constituents suffering the same fate. Is there any way you can intercede on our behalf and the behalf of others who must be in the same situation as we are with Chase? We want to pay our bills but Chase is making it exceedingly difficult to do so. 

Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I payed off the largest of my student loans in full on XX/XX/2020 after negotiating that XXXX XXXX XXXX ( the debt collector for XXXX XXXX have the account completely removed from my credit within 2 reporting dates. They claimed to have submitted the files but there has been no report on my credit to ANY of the beauros, we're now going into XXXX and still nothing.

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 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
debt is not mine i was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief