vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/2020 Ive made a several purchases on XXXX with my Discover *XXXX  card. All of the purchased items have been successfully delivered to my business and home addressees in XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, respectively. Unfortunately, some of the items looked and performed not as it was described in the original listing. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return, most of the returns have been honored as it reflects on my account. However, listed below items, havent been reimbursed : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - {$570.00} 2 ) XXXX XXXX XXXX XXXX - {$160.00} 3 ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX - {$250.00} 4 ) XXXX   XXXX XXXX  XXXX  - {$160.00} Ive filed a dispute on Discover website and attached as a supporting document ( for your convenience, Ive attached a copies of these again ) copy of return shipping label issued and approved by XXXX, as the reference for this return as well as XXXX is listed below. 

Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX REPORTED MY ACCOUNT WRONG TO THE TRANSUNION TRADELINES. I SPOKE WITH THEM ON XX/XX/2020 IN REGARDS TO MY ACCOUNT. ON XX/XX/2020 I PAID MY ACCOUNT OFF. I WAS TOLD BY THE REPRESENTATIVE THAT THE ACCOUNT WAS NOT IN COLLECTIONS AND IT WOULD BE REPORTED AS PAID IN FULL, I HAVE DOCUMENTATION FROM THE COMPANY. I GET A NOTIFICATION FROM TRANSUNION THAT XXXX REPORTED MY ACCOUNT AS CHARGED OFF. I CALLED ON XX/XX/2020 AND SPOKE WITH A REPRESENTATIVE WHO SAID THE COMPANY MADE AN ERROR AND THAT THE WAS SENDING A REQUEST TO HAVE THE ACCOUNT REMOVED FROM MY TRADELINES. I ALSO HAVE THE CONVERSATION RECORDED. TODAY I RECEIVED A NOTIFICATION THAT THE ACCOUNT IS REPORTING AS PAID AFTER CHARGE OFF WHICH IS NOT TRUE. 
I HAVE TRIED TO CALL THE COMPANY NUMEROUS TIMES AND I AM NEVER ABLE TO SPEAK WITH A SUPERVISOR REGARDING THIS MANNER. THIS ACCOUNT WAS NOT IN COLLECTIONS OR CHARGED OFF WHEN I PAID IT IN FULL, IT WAS PAID OFF XX/XX/XXXX. PRIOR TO THAT, I MADE ARRANGEMENTS TO PAY IT OFF ON THAT DATE. THE ACCOUNT WAS STILL OPEN. 
XXXX XXXX LIED TO DESTROY MY 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 non-monetary relief
Consumer complaint received 2020-03-27 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: IN

Complaint narrative:
2 Hard inquiry on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: UT

Complaint narrative:
SECOND ROUND LP is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, Winn Law Group, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, ( XXXX ) XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the Winn Law Group and discovered a website of Winnlawgroup.com, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I reached out to THEM ( THEIR EMAIL ) through XXXX as the XXXX profile they were pretending to be ( a young woman that I recall called themselves XXXX XXXX ) said on a XXXX XXXX XXXX page that they had tickets they were trying to get rid of because other things came up. 

They told me to send {$30.00} for the tickets through PayPal and I did so. After a few minutes of sending the money with no response, I figured Id been scammed. I went to PayPal to cancel the transaction and was not able to do so. 

That night I filed a complaint with PayPal. This morning ( XX/XX/2020 ) I received a confusing email that my claim was denied. However, the email stated that money had been sent to my account MY EMAIL. This however is wrong in two ways. The email should have said the money was sent to XXXX account if my claim was denied. The email is copied below. 



Hello ME, We have completed our investigation regarding the money transfer you sent on XX/XX/2020. You submitted your claim because there was a problem with the remittance. 
We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated* {$30.00} USD*would be transferred to MY EMAIL no later than XX/XX/2020. According to our records, * {$30.00} USD*was delivered to MY EMAIL on XX/XX/2020. Because the transaction completed correctly as disclosed, no error occurred. 
To request a copy of the documents that we relied on in making this decision, please email us at [ XXXX ] ( mailto : XXXX ). 
You can also mail your request to : PayPal , Inc . 
Attn : Error Resolution Department XXXX. XXXX XXXX XXXX, NE XXXX In your request, include your name, the email address on your PayPal account, and the Case Number provided below. 
The case has been closed. If you have any questions regarding the processing of this dispute, you may contact us by sending an email to [ XXXX ] ( mailto : XXXX ) or by phone at [ XXXX ] ( tel:XXXX ). 
If you want to send a new money transfer, please log in to your PayPal account to send money. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * Transaction Date : XX/XX/2020 * Payment Amount : $ XXXXUSD * Recipient : MY EMAIL * Transaction ID : XXXX * Case Number : XXXX Sincerely, PayPal I believe this information should suffice to get my money back. 

Thank you and please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OR

Complaint narrative:
A debt was owed. It was late. I received collection contact, verified it by going to the creditor 's site who still actually owns the debt, and paid the bill. The bill was acknowledged as paid by the hospital involved and subsequently also _in writing_ but as recently as only roughly two weeks later they continued to file derogatories on my credit reports with all the credit agencies, citing the paid item as unpaid and the item, which was pulled from collection, as still in collection. Contacted the XXXX and filed a complaint but the behavior continued. 

This company seems to lack any basic intent to engage in honest business. If a debt is paid, acknowledged by both them and the creditor, the collection activity, including filing collections with credit agencies, etc. should cease. 

The debt is paid, they can not collect on it twice, it has been acknowledged as paid by all relevant parties. It's not a huge amount and I could let it fall off. It's ruining my credit score which I take to be deliberate even though they have nothing to gain from doing so financially. 

I think they are generally dishonest and incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My bank send me a letter graduating my secured card graduation but no credir line increase i find this not fair after being a good customer and the branch in XXXX  XXXX  closed when I called they said they are closing and dont know what will happen this is scary customer service told me they might not reopen if their isnt 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 explanation
Consumer complaint received 2020-03-27 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX  {$560.00} XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
CAPITAL ONE is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Just today about XXXX XXXX started getting email account permanently suspended sec 22d. All I had done was uninstall the mobile app associated with ths card off my mobile phone. Now I can not get thru to a live person to handle this. I have money on the account and want to get it back. Luckily I have money on another good bank I can use at this time. Please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I refinanced my mortgage that was being serviced by New Rez ( Shell Point Mortgage ). 
The wire for the payoff was sent on XX/XX/2020 from XXXX XXXX XXXX to New Rez. 

I have made numerous phone calls to New Rez, while waiting on hold upwards for an 1 1/2 hours. At that point I took the call back option, in which I never received a call back. 

I called again and spoke to customer service, in which I gave the Transaction Ref. No. and Federal Reference No. She stated, that the wire was never received and she would have a supervisor contact me within 48 hours, which never happened. I have called 5 times in total. I sent 2 emails with the wire information and never received a response. 

XXXX XXXX has also been calling New Rez and not making any progress. XXXX XXXX said the wire was never returned. 

New Rez has now charged me a late fee and continues to ignore any form of contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: KY

Complaint narrative:
I tried to book a trip with The company XXXX back in XXXX of 2019 and made payments from XXXX to XXXX of {$98.00} being the first payment and {$570.00} being charged 5 times and {$570.00} being charged once. Altogether I lost about {$3600.00}. The trip was cancelled due the Coronavirus by the company and now the company is refusing to refund me the money back. I have tried calling my bank and they will not go past 90 days. So therefore neither the company or bank will help me get back the thousands of dollars I lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Ive carried several Citibank credit cards for years and have never missed a payment. My balances are high relative to the card limits. This has negatively impacted my credit scores. Therefore I have been working to reduce the proportion of credit used. However, the company has suddenly reduced the limit on each card even though I have not been late on any payments. This counteracts all my efforts to reduce the proportion of credit used. It seems shocking that they would do this in the midst of the epidemic. Is this legal?

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