vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 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: FL

Complaint narrative:
I have sent in multiple police reports and ftc reports regarding accounts that were open fraudulently under my name. I have been able to get these accounts removed with no problem with the other credit companies except Experian. I was told by a rep on the phone if the accounts are ever added back to simply send back in my ftc reports. I have uploaded twice on their we site and sent in 2 certified letters via usps but no resolution. the fraudulent accounts are still on my report. I have traced and seen where my letters have been received.

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 2019-09-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi after going over my Experian credit report I see a long list of collection agency that has flagged accounts that was disputed and never verified. Theses are from XX/XX/XXXX to XX/XX/XXXX. They flagged my report and post negative marks and thats not right and shouldnt be allowed to do that and Im a XXXX senior

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 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I moved out of a rental property on XX/XX/XXXX and was given a final account statement 18 days later on XX/XX/XXXX for an amount of {$210.00}. I was then sent a revised statement for {$760.00} on XX/XX/XXXX which is outside of the 21 day limitation set by California Civil Code 1950.5. I have informed the collection agency of this discrepancy multiple times and no action has been taken by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX H ( XXXX ) XXXX C ( XXXX ) XXXX Social Security number XXXX XXXX Consumer financial Protection Bureau To whom it may concern : I would like to dispute and have remove a Public Record listed on my Transunion Credit Report. This Public record is inaccurate and incomplete its missing the outcome ( Discharged Dismissed Etc. ). It also does not state what chapter etc. I have disputed This Item several times however it continues to be verified as accurate.

Enclosed with this request is a copy of my social security card and my drivers license.

Thank you for any help you may provide in this matter

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 2019-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
There was a misunderstanding with my bank regarding a dispute case back on XX/XX/2019. I filed a couple charges as fraud on from my cash app account but my bank inadvertently filed about 3-4 months worth of charges as fraud, which totaled to {$2100.00}. I didnt know this until recipients of the money Ive sent all notified me that the payments Ive sent them were disputed and retracted from their bank accounts via cash app. I immediately notified my bank, XXXX XXXX of what happened and they cancelled the dispute on XX/XX/2019 and informed me that the {$2100.00} will go back to cash app and everyone will get credited back their money. Nothing has come back to my cash app account nor to the people that lost money due to the disputes. Cash app also closed my account due to all the chargebacks and it seems the money is sitting in their system due to my cash app account being closed. My bank said the money was sent refunds back to cash app but their not helping me access the funds. Ive notified them many times that the refund is somewhere stuck in their system but they wont help me because my account is closed. I need help getting access to the refund that was sent from my bank to cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: NJ

Complaint narrative:
Total Visa keep losing my payment information. There was a glitch in the automated system and my payment was not accepted. They even gave me a confirmation number, yet, they tell me the payment did not go through successfully on XXXX of this month. 
Someone is blocking access to my online account at Total Visa. I made the payment on XXXX of XXXX and they are reneging on crediting the fee to the account. I believe that someone is trying to use my credit and they are supporting their mischief activity. Why am I not able to go online and see the damage to my credit? I made a new payment on the XXXX and I was given a new confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: NY

Complaint narrative:
I would like to have removed a Public Record listed on my Equifax Credit Report. This Public record is inaccurate. It states First Reported XX/XX/2014 however This item was not filed or listed prior to XX/XX/2014. I have disputed This Item several times however it continues to be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Went to XXXX to request my reportdsince you can only now get charged for reports on XXXX, Experian, and XXXX site. 
Provide an excessive amount of personal information, far more than I have ever had to provide in past years. 
Then, in order, each agency throws up some bogus info indicating their site is down, they can't recognize me, or I need to make my request through the mail. 
I when through the process several times and got differing messages from each agency each time. ( I saved screenshots. ) Unless this site has been hijacked, it appears the agencies will do anything to get me to pay to view my reports in violation of federal law.

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 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
There is an an address on 2 of my credit reporting company reports *XXXX and XXXX* with an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, which I've never heard or nor have i ever lived there. I'm also dealing with a company called I.C. Systems, a debt collection agency working on behalf of XXXX XXXX- They say that I opened an account in XX/XX/18 with them but that's impossible, since I've lived with my parents over the last 8 years at XXXX XXXX, XXXX, NY XXXX and XXXX XXXX  XXXX, XXXX, NY XXXX and there was never any XXXX XXXX service and they weren't even my personal homes- It seems as though either they have a mistaken identity problem of someone that has resided or used that address in XXXX XXXX, NY or they have made a serious mistake and falsely have me as opening a XXXX XXXX  account -The debt collection company is now called I.C. Systems and they have the wrong person and they have ruined my credit score and they would need to show proof that their was an account opened on the day they set on both  XXXX  and XXXX that I am liable for an account that I never opened and I have yet to see any proof from them indicating such- I would like to see paperwork/documents of me opening an account with XXXX XXXX on the date they have given of XX/XX/18, that I never even opened! Either they have made a terrible mistake and need to correct it immediately by taking my name and information off that account or someone else has used my personal info and their is a data breach or mistaken/taken identity here and this could be fraud! I ask, you that you please look into this further! thank you-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 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vander Financial, LLC
State: IL

Complaint narrative:
I sent a verification request to collection agency and they responded by saying that by law they didnt have to validate the alleged debt. Also the document that they sent me says that I owe {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Chase is a very bad bank for me, I called them many many time to send me a debit card and transfer money to XXXX XXXX. They refuse to send me a debit card, I really need my money to buy food, pay apartment booking etc. Chase is not human being to me, they just like animals to me. They want to control my money, they are very bad to me! Very bad customer service to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: NY

Complaint narrative:
I would like to dispute and have remove a XXXX XXXX Account with a balance of XXXX and was reported as Closed on XX/XX/2014. This Account is inaccurate and incomplete its missing a complete payment history there are several months missing and not included. I have disputed This Item several times however it continues to be verified as accurate

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 2019-09-08 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: IL

Complaint narrative:
XX/XX/XXXX The errors on my Equifax credit report have NOT been corrected. Since XXXX XXXX XXXX and XXXX XXXX XXXX are so incompetent that they can not seem to read and understand and fix their errors I took the time to copy, paste, highlight and spell them out for them so that they both and Equifax too can fix them and so that the CFPB can also do their job they are paid to do by the citizens of this country, including myself, and enforce the FCRA. Again, just in case any of you have forgotten what that law states the definition is listed below. FIX my credit reports NOW!! I do not want ANY phone calls from any of you, all must be in writing AND I wanted corrections made then updated with all three credit bureaus and a copy of each corrected credit report mailed to me and the IL Attorney General for review before this case is to be closed and I will be letting your boss President Trump know this as well! I have also contacted my attorney about all, the IL Attorney General and the NCUA!!!! 

XXXX XXXX Fair Credit Reporting Act The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to dispute and have remove a XXXX XXXX account with a balance of XXXX and opened on XX/XX/2011 listed on my EquifAx Credit Report. This is account is inaccurate and incomplete its missing the Many months of reporting I have disputed This Item several times however it continues to be verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 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:
Equifax - XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

Equifax - XXXX  XXXX XXXX {$870.00} XXXX  - XXXX  XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on Equifax it shows XX/XX/XXXX but then there is payment history after that date, XXXX  says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, XXXX says the account was charged off XX/XX/XXXX after being late for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
XX/XX/XXXX The errors on my XXXX credit report have NOT been corrected. Since American Honda Financial and XXXX XXXX XXXX are so incompetent that they can not seem to read and understand and fix their errors I took the time to copy, paste, highlight and spell them out for them so that they both and XXXX  too can fix them and so that the CFPB can also do their job they are paid to do by the citizens of this country, including myself, and enforce the FCRA. Again, just in case any of you have forgotten what that law states the definition is listed below. FIX my credit reports NOW!! I do not want ANY phone calls from any of you, all must be in writing AND I wanted corrections made then updated with all three credit bureaus and a copy of each corrected credit report mailed to me and the IL Attorney General for review before this case is to be closed and I will be letting your boss President Trump know this as well! I have also contacted my attorney about all, the IL Attorney General and the NCUA!!!! 

XXXX XXXX Fair Credit Reporting Act The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to dispute and have remove a XXXX XXXX account on my credit report with a balance of XXXX listed on my experian. This Account is inaccurate and is missing many months of reporting I have disputed This Item several times however it continues to be verified as accurate.

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 2019-09-08 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:
My friend wanted to go to a concert and arranged payment of {$110.00} with a fraudulent seller of tickets through my personal PayPal account since he had my cellphone on XX/XX/2019. 

I did not authorize the payment, and, within an hour of him submitting the money transfer, contacted PayPal directly to dispute the charge as it was an unauthorized payment that should at no point be cleared on their end. 

They replied back that they would not collaborate as it was sent as a gift. I am seeking remediation through a higher power that sees nuances in such cases and can assist further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I have been making two payments towards my mortgage so I can pay less interest and pay off my loan faster. I have called Freedom Mortgage multiple times to ensure it was being applied correctly and each time the representative tells me they are not allowed to discuss this with me which I thought odd. I have realized that my access to forms online and the paper statements aren't really reflecting that I am paying down my mortgage faster and decreasing interest as I have intended. I recently saw my first of two payments is listed under " Posted to Suspense ''

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 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
credit card agency has negative marking on credit report, although there is a {$0.00} balance owed. I have contacted both XXXX and XXXX to investigate the negative marking, and the deb agency has yet to respond to my complaint. I'm asking that the marking is removed from my credit 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 non-monetary relief
Consumer complaint received 2019-09-08 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: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
Meridian Financial Services ( XXXX XXXX XXXX ) is a collection agency that is hired by XXXX XXXX XXXX. They are a subsidiary of XXXX XXXX. XXXX XXXX has joined XXXX XXXX  yet XXXX XXXX is involved with assessing me penalties and fees. The balance is incorrect and the balance was been paid off on XX/XX/2019 through my XXXX Credit Card. Meridian never mailed me a statement until I was 3 months past done on my account. They refused to remove the remark. I have written a dispute to the three credit bureaus but it takes time and there are no guarantees. I want this company to be held accountable and I should not have to pay for the {$240.00} of penalties and late charges they are charging me. I would like further reimbursement for those charges. The correct mailing address is on my original contract or trust deed for my contract, yet both XXXX XXXX and Meridian Financial failed to mail my statement there until after I was three months delinquent and this has impacted 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 explanation