vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NJ

Complaint narrative:
There are accounts on my credit report that are not mine.

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 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I opened an account with PayPal and I used the account exclusively to sell on XXXX. 
In XX/XX/XXXX, PayPal suspended my Account. 
Paypal suspended my account for alleged violations of their rules. 
I followed their rules to the letter. 
At the time, my Account contained XXXX. 
PayPal informed me that my funds would be held for 180 days. 
On XX/XX/XXXX, the entirety of my funds were inexplicably transferred to PayPal. 
PayPal Withdraws All Funds and Suspends my Account Without Justification. 
I made several good faith inquiries to encourage PayPal to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a debt validation to equifax and the company reporting this debt. The company sent me a letter which I sent as proof, and Ive also attached. The company basically admitted they dont own the debt! And that there was another company with similar name who isnt licensed to collect the debt. Im requesting removal of this account. Equifax, along with this company hasnt followed up with me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: MD

Complaint narrative:
Hello My name is XXXX XXXX I have been having this problem with equifax for a 2 years now. Every time or month I dispute a discrepancy that they have regarding a car loan account, they would fix it and then it goes right back to the same mistake. 

I had a car loan with ( XXXX XXXX XXXX XXXX ) in XXXX, Md in which at one point was repoed in XXXX of XXXX and then the following day it was reinstated. Every since XXXX of XXXX, Equifax would have this account status as " Repoed ''. To make it confusing it show as Repoed/Reinstate. However, this would drop my drop my score to about 100 points. I have been disputing this with equifax and the XXXX XXXX XXXX XXXX loan company. When I contact the loan company they say that this what equifax want this to put on the status. Every time Equifax get an update from the loan company they believe the account is REPOED. So I got fed up and paid off the loan in XX/XX/XXXX and received the lean release to try to help make it better. Low and behold it still comes up with the same thing. I would dispute this every time and they would fix it and the next month it goes right back to REPOED. I do not know what to do. The last 2 dispute was last month and today. Yet I feel I can not do anything. They have several dispute for the same account for the last 2 years and I've call on a number of occassion.. HELP. What else can I do to tell Equifax to stop this. I never had this problem with XXXX  or XXXX. Any help will do. Thank you much XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NE

Complaint narrative:
Submitted a dispute requesting verification of debt that is reporting on my credit report. I have not received any proof of documentation of said debt.

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 2020-05-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are 3 accounts I disputed and I received notification, after the required wait time, these account had been removed from my report : XX/XX/XXXX The XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX However, I go in and check my credit report and guess what, there these 2 accounts are is back on my 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 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
A guy on XXXX saying he is selling XXXX  skins. I paid him XXXX  dollars. When he received the money he blocked me on XXXX and never gave me my skin. How can I get that money back it was my XXXX year old sons he is heart broken. His name on XXXX is XXXX XXXX XXXX XXXX @ XXXX and his so called pay pal name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I sent a debt validation to XXXX  and the company reporting this debt. The company sent me a letter which I sent as proof, and Ive also attached. The company basically admitted they dont own the debt! And that there was another company with similar name who isnt licensed to collect the debt. Im requesting removal of this account. XXXX, along with this company hasnt followed up with me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
its been 60 days, no response and all 3 bureaus disregarding the law by not responding to consumer disputes & hopefully this will be the last time they do that.

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 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: OR

Complaint narrative:
I had an account with XXXX XXXX prior to its acquisition by XXXX XXXX. The account was cancelled on XX/XX/XXXX. I then called and confirmed the account was cancelled and paid all amounts due the same day. 2 months later ( XX/XX/XXXX ) I got a bill from XXXX XXXX for {$120.00}. I called XXXX   on XX/XX/XXXX to ensure it was resolved with them and get confirmation and they directed me to XXXX XXXX. I then emailed XXXX XXXX on XX/XX/XXXX to resolve and was directed to call their customer service team. I did so and was assured that the billing was erroneous and that I did not need to take further action. On XX/XX/XXXX I got a letter from Credit Control Corporation in regard to a bill for the same {$120.00}. I again called XXXX XXXX to resolve. I spoke with a representative from the company and was told that they confirmed I did not need to pay it and a note was added to my account stating the same. I requested email confirmation of the discharge of the debt and was told it was sent. I never received the confirmation. I have also emailed XXXX XXXX and Credit Control Corporation to validate the debt has been discharged and can not get confirmation in written form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TX

Complaint narrative:
On XX/XX/2020, I submitted information to XXXX  and TransUnion about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my 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 2020-05-24 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: TX

Complaint narrative:
On XX/XX/2020, I submitted information to Experian and XXXX  about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my 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 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: GA

Complaint narrative:
So Ingo Money initially through XXXX XXXX XXXX XXXX was a great banking alternative for me. I work full time, and am unable to get to a bank due to my hours. However, they closed my account with no explanation and the only banking I did was with my payroll check as well as money orders. So there was no " iffy '' transactions being made. I am sitting here at work on a Saturday still trying to figure out what happened. They made $ money off my deposits etc. tried to cash two checks. Both were properly endorsed and made out to me, both were returned for nondescript reasons. They were tax return checks so I highly doubt there was insufficient funds. The first time it waited about an hour then returned it as declined. The second time it said my transaction was processed but the next day said it was rejected. Again, these are tax refunds so they didnt bounce. 


App doesnt do at all what it claims and the errors it kicks back are useless making it all the more frustrating. I realize they wont tell you about the writers bank because they claim they cant. Even though thats not true because if I took the check to the bank they would say the funds werent there to my face. 


I expect an actual reason why my checks were rejected but no just got a vague heres a list of possible reasons none of which apply to YOUR checks ... .infuriating. 


Lastly, there is no resubmission of a check. Once they reject it they basically tell you to go somewhere else not how to fix it so they will cash it. Again, useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I dont have any knowledge of this account ( Ginnys ) one of their many affiliated companies and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX. Based on my research on this matter, It seems like this company has a reputation of opening fraudulent credit line without peoples authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I opened a credit card with XXXX. I bought XXXX in merchandise with the new credit card and then paid the credit card balance off right away before I left the store ( XX/XX/2020 ). The associate then charged {$10.00} on the credit card without my knowledge and there is no documentation of what I purchased for {$10.00} on the bill. I was unaware that she had done this and Never opened my statements because I believed that I had a XXXX balance. When I opened the statement there were late fees and I had been reported to the credit bureau with a negative impact on my credit score. XXXX credit card is managed by Comenity bank and they say that they can not correct the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24 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: TX

Complaint narrative:
inaccurate information is being reported on my credit report. it is affecting my credit and credit scores.

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 2020-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I filed a complaint in XX/XX/2020 during COVID-19 concerning my Capital One credit cards. Both cards were disputed with CFPB but only one of the cards returned to XXXX  balance the other card has a balance of {$94.00} including interest fees on the amount. Capital One is continuing to charge interest fee on my card ending XXXX. I'm under FURLOUGH with my employer during this COVID-19. Capital One is not honoring the situation. I already filed this complaint before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, Transunion verbally agreed to remove XXXX XXXX Account all negative and collection accounts information from credit bureaus based on current XXXX Data Breach Settlement agreement. However, information has not been deleted. 

I sent a mailed certified letter 609 and 611 letter on XX/XX/XXXX. However, I have not received a response from Transunion. I was impacted by the XXXX  Data Breach and provided supporting documentation/signed contract for account showing XXXX XXXX on my account.

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 2020-05-24 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: TX

Complaint narrative:
inaccurate information is being reported on my credit report. it is affecting my credit and credit scores.

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 2020-05-24 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: TX

Complaint narrative:
inaccurate information is being reported on my credit report. it is affecting my credit and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TX

Complaint narrative:
inaccurate information is being reported on my credit report. inaccurate addresses, and accounts.

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 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am in a homeless shelter in XXXX XXXX and need medication I have an emergency. My debit card number is : XXXX. My name is XXXX XXXX XXXX. My email is XXXX. My phone is XXXX. I need medication and need to reach someone immediately. Preferably a supervisor. There must be someone in charge even though it is XXXX XXXX weekend and there is limited contact because of the virus. But there must be someone in charge for emergencies. My account was closed because I had a negative balance of {$290.00}. Which is fine. I don't want to bank with a bank that won't give a customer time to cover a negative balance. I am homeless and living in a shelter but was XXXX. A charity deposited {$5000.00} for me. I called to get the money from the deposited check released but they told me the check was no good. This is ridiculous. It is a reputable charity and credit union and the check is perfectly good. The validity of the check that was deposited can be easily checked with the head of the charity or the credit union it came from. Of course, the negative balance can be deducted. 
I need emergency access to the funds. I have called many different Chase numbers. At first, it's 24-hour customer service line answered. I called 3 times and explained the situation and to please get  me in touch with whoever was in charge of emergencies. I was switched to a department that was closed every time and got a recording and a disconnect. I called every other number I could find for Chase and they all had recordings saying they were closed. 
I don't know if there is a specific rule requiring banks to have someone on call at all times for emergencies, but there should be. Especially a bank as large as Chase. I posted what was going on on the XXXX  XXXX account by mistake and they responded within an hour. 
I do know there are many rules and policies requiring banks to make funds available from deposited checks. The FDIC policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. 
Under TheExpedited Funds Availability Act there are time limits too. 
I don't know what Chase used to determine that the deposit in question was suspicious for fraud, but whatever they did was obviously deficient. The supervisor I talked to only took less than 5 minutes to check. At least as a practical matter, banks should be required to be sure they have in place a reliable system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TX

Complaint narrative:
inaccurate information is being reported on my credit report. inaccurate addresses, and accounts.

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