vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX RE :  Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, 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 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I used Paypal to buy a product where i was charged ro different amounts and i am unable to enter dispute via internet access after numerous attempts i am simply locked out. I have also attempted to contact because of an unknown address setting up fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
There is a Company claiming that I owe money to there company which is XXXX XXXX and I rented a house with them in XXXX I lived there for a little less than a year almost a year however I was on Housing With The Public Housing Authority in XXXX XXXX Tx and I had a ex who was XXXX  and family XXXX was involved in the past and he kept threatening me so I had to break my lease early. It was a emergency move and was approved through the housing. However the real estate company was upset and falsely claimed that I left the property damaged and dirty which was a lie cause at the time I took pictures and showed my caseworker XXXX XXXX XXXX who was shocked that they would lie about that. You could call her and confirm it with her and she will tell you. However if this happened in XXXX why are they bearly filing and why does is have a different date on the credit report. I havent lived there in over 2 years and I dont understand why they are accusing me of XXXX them {$6100.00} which is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: OR

Complaint narrative:
I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
In XXXX. XXXX, I only paid {$450.00} of the {$990.00} payment. Work has been slow, and I could only pay the {$450.00}. The website for Fay Servicing says if you are having difficulties due to the COVID 19,  please let them know, so we did. We immediately received papers in the mail about Foreclosure over {$540.00}. I have been doing odd jobs, and my husband has been trying to work as much as possible to keep up with the demands of not having as much work as normal. On Friday XX/XX/XXXX, I tried to make a full payment of {$990.00} for the month of XXXX, and I can not process a payment online. The account has been fixed so that when I log in, I am not offered a place to make the payment. So, I waited thinking the website for payments was down. I tried again on XX/XX/XXXX, same scenario. I even tried today, Sunday XX/XX/XXXX, and I still can not make an online payment. I called the pay by phone number, and I gave permission for them to debit my account with my bank account, how much I was paying, our account number, etc. The computer said I had to say YES so it would accept the payment, so I did, and it came back saying it could not process my payment, and hung up. 
I will admit that I never pay my payment on the first day of the month when it is due, because I don't have a real job where I get a paycheck every week, my husband and I XXXX  a very XXXX XXXX. We get paid when someone else pays their invoices. But when I do have money, I'm not understanding why I can not make a mortgage payment late or not. 
The house I live in needs all kinds of work to be considered livable without a lot of expenses, it was built in XXXX, and everything about it is expensive, but we do not have the credit, nor savings to do anything about it. Everything I make or am given as a birthday present, goes into making this mortgage payment, and its very upsetting when the Mortgager will not allowed it to be paid, unless we call and talk to a person who will then charge me another {$9.00} to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am currently living off of money provided from Pandemic unemployment assistance since I am unable to make much income from my normal field of work. Recently, the CARES ACT expired and as a result, I am only receiving a portion from my state unemployment office of the money I have usually received. 

From XXXX- XXXX I accumulated {$370.00} in Overdraft and return item fees. 

This {$370.00} would be helpful in my situation since I am currently dealing with this sudden drop in income since the pandemic forced me to rely on unemployment assistance. 

I beg chase to help me out and reverse all {$370.00} dollars. I think it would be right since I dealt with a small issue in early XXXX in which I was unable to get my debit card sent to my new address. I am dealing with this pandemic as a single father who recently graduted college. 

I don't mind paying my $ XXXX  monthly fee, you guys deserve that money. I'm only disputing the OD and RI fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants Credit Guide failed to validate debt in response to my validation request.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not 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 2020-08-23 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 {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I was notified that our bank account had insufficient funds. After checking online, I realized that a check I had made out to our Water Department for the amount {$31.00} was fraudulently changed and made out to an individual named XXXX XXXX in the amount {$5400.00}. I told the bank I do not know a XXXX XXXX. 
I also told the bank that I had the duplicate copy of the check. 

I have yet to hear from the Bank of America. I have called numerous times for updates and each person I speak to they say it is under investigation. 
The bank will not allow us access to our money and we are unable to pay our bills. 
Some of our creditors have started to assign fees to our accounts and are showing payments as being late even though I have notified them of the situation.

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 2020-08-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not 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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Have been trying to unlock my Equifax account. No problems whatsoever with either XXXX or XXXX. My Equifax account is locked and the call center employees have been unable to resolve the issue. First issue was a bit of a language barrier issue as the call center employee did not have a strong grasp of American based english. More important issue is that after faxing my highly sensitive and personal information as directed and told to wait up to 2 weeks for a response, nothing has happened. I am trying to get a mortgage and the freeze has made me unable to access a mortgage. The wait is outrageous and I need help simply getting access to my account. I can not afford another blind fax and waiting 2 weeks. Who faxes things anymore anyway? Just outrageously poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
i applied few time for XXXX credit cards and others and all are denied, I am feeling some type of discrimination a.bout because I got a credit standard

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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. XXXX XXXX XXXX. XXXX, GA XXXX. 
ATTN : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your  agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I'VE CONTACTED TSI ( TRANSWORLD SYSTEMS INC ) on multiple occasions ( XX/XX/XXXX ) & ( XX/XX/XXXX ) WITH NO RESPONSES VIA MAIL. I'VE ASKED FOR VALIDATION OF DEBT, THEY CLEARLY VIOLATED FEDERAL LAW, BY BLATANTLY IGNORING DEBT VALIDATION LETTERS AND REQUEST FOR CONTRACT BEARING MY SIGNATURE. THESE ARE NOT MY DEBTS, I'VE HAD NO COLLECTION ACCOUNTS SINCE MY BANKRUPTCY IN XXXX. I'M WORKING TO REFINANCE MY HOME AND THIS HAS BEEN A SEVERE HINDRANCE QUALIFYING FOR FINANCING. 
ACCOUNT # XXXX {$3200.00} & XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express is not fully advertising the terms of the their reward cards that they offer through XXXX in exchange for voluntarily ceding a seat on a flight. XXXX XXXX ( XXXX XXXX contractor ) advertised the 6-month expiry of the funds but did not clarify that, unlike industry-standard Visa and Mastercard gift cards, there is no dispute process whatsoever such that money stolen by theft of the reward card or reward card number is gone forever. This also implicates American Express 's absurd claim that their cards are " safer than cash '' when they will not investigate any fraud and refuse to provide a replacement card unless you managed the memorize the 15-digit number of the card. This makes the cards virtually equivalent to cash and not " safer '' as their advertisement claims. Indeed, I spoke with XXXX XXXX from corporate, who claimed that American Express 's servers do not even verify a security code, an expiry date, a name, an address, or any other information except the 15-digit reward card number when approving a transaction. Not only is this far below the industry standard that Visa and Mastercard provide, but it again makes it laughable that American Express would advertise their card as " safer '' than cash. 
The CFPB should investigate American Express 's deceptive advertising regarding their reward cards. In addition, American Express should, in view of its failure to disclose the non-industry-standard terms of its cards until after I had already received mine, open an investigation into the fraud committed on my card and refund the remaining {$51.00} that I have been unable to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: IL

Complaint narrative:
Experian did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.

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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
XXXX : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX

Company response to consumer: Closed with explanation