vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: CT

Complaint narrative:
I had an account with XXXX XXXX XXXX for which was paid based on my credit report. Not only did XXXX XXXX  Cash the check, forced my account to move over to XXXX XXXX XXXX, but now learned this same account now sits with Simm Associates. ( 3 credit collection agencies on one account ). 
I have contacted all three collection places and continuously bounced to around. In the final attempt, based on my attorney XXXX XXXX, I am reach out to you to resolve this matter. If nothing is done, we will move to file a complaint against all 3 collection agencies and move into the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Re : Equifax, XXXX, and XXXX XXXX XXXX I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to medical issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined SELF a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with Equifax and 59 points with XXXX XXXX My credit history with XXXX has never shown any positivity or improvement no matter how many times I have disputed information with them. XXXX continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that SELF may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers credit boost, however if you disconnect your bank information the score falls back to the 500s. I am seeking help with unfair credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MN

Complaint narrative:
I refinanced my mortgage, and on XX/XX/XXXX our loan was transferred to a company called " XXXX XXXX '' ( XXXX XXXX XXXX d/b/a XXXX XXXX ; NMLS # XXXX ). I have made my payments to XXXX XXXX since that time. 

However, I have received repeated requests for payment from " The Money Source '' ( The Money Source , Inc. ; XXXX # XXXX ). I have informed their phone agents that they do not service my loan and do not hold my debt. Today, XX/XX/XXXX, I received a letter requesting yet another month 's mortgage and denoting a month 's past-due mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I just recently opened up this checking account with Citibank and now my account is under review. I dont know why its under review and can't nobody tell me why its under review. I have {$600.00} in my account and i don ; t have access to my funds. The number i provided so they can validate isnt working per their request but when i called my cellphone company my number is listed as me. All this happened on XX/XX/XXXX. No actions and i cant get no help. I just want my money. The company just giving me the run around and I provided every information they needed to unlock 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 non-monetary relief
Consumer complaint received 2021-09-25 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am writing in response to COMPLAINT ID XXXX and to request a further response from Chase Sapphire on this matter. 

The company 's response to this complaint states that the onus is on me, the cardholder, to contact the merchant about the canceled reservation, but this is precisely what I did in XXXX, as noted in my original complaint. When this flight was canceled due to inclement weather, I contacted the merchant at the number they provided, XXXX XXXX, which is how I learned that the airline had no record of my reservation, that they did not have a credit for me because the ticket was canceled prior to the storm, and that I was the victim of internet fraud. I contacted Chase immediately upon learning this to keep the transaction from going through. Is Chase contending with its response to this complaint that this isn't a fraudulent transaction because consent was given? If Chase is the only party with access to this merchant 's real contact information, has the company really done all it can on its cardmember 's behalf? 

It's apparent from the details provided in Chase 's written response to my complaint that bad actors are all too familiar with the narrow and inadequate scope of Chase Sapphires " fraud '' policies, and they use this knowledge to scam customers without penalty or recourse. Knowing this, Chase 's response to my complaint means -- in the worst case -- that Chase Sapphire is complicit in this kind of internet fraud. ( And pays its customer service staff to defend these fraudulent transactions all the way to the CFPB. ) In the best case, Chase 's response means that they value my account, which I've had with them since 2015, at less than {$300.00}. 

I'd like a written response from Chase as to whether their decision in this complaint reflects a formal policy of turning a blind eye to internet fraud when it's reported by their cardmembers, or if they simply deem the lifetime value of my account at less than the {$300.00} I'm asking to rectify this matter. Perhaps it's both. I look forward to the company 's written response before closing my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
i would like to make a complaint on Bank of America on XXXX charge come in from XXXX XXXX  cell phone and shouldnt until XX/XX/XXXX for XXXX dollars on XX/XX/XXXX were reverse back to account credit the. bank america let go thew and funds wasnt in it cause my account to over drawn and blocked out my account that i cant receive money again like complaint XX/XX/XXXX block card to account and same again need the change i had and to recive money from my daughter and no way to get it XXXX XXXX were blocked the transaction of {$39.00} and Accept XXXX XXXX XXXX go thew and over drawn my account and charge {$35.00} over draft fee now bank america sating it take more than 2 to 3 days what XXXX XXXX stated .and depend on my bank i recieved a email from XXXX XXXX saying it went thew to bank and bank saying 5 to 7 days and i need my account as of now access to my money and recieve money .and now i cant be help with inconvienece of account over drawn from charges to a account with less money in my account .and didnt block it like XXXXthats hurting me now no access to account from bank down fall.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/2021 I disputed an amount paid to XXXX for {$2100.00} Its still being disputed with XXXX thru their license I contacted Wells Fargo several times Several times Wells Fargo were outsourcing my account with the XXXX which I never authorized and knew about InXX/XX/2021 Wells Fargo charged me the same amount ; because of the numerous errors I closed my account because I could not trust the handling of my funds Now Wells Fargo has a deficit in my closed 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 2021-09-25 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 — Other problem getting your report or credit score
Company: Self Financial Inc.
State: NV

Complaint narrative:
Re : XXXX, XXXX, and XXXX Credit Reporting I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to XXXX  issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined SELF a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with XXXX and 59 points with XXXX XXXX My credit history with XXXX has never shown any positivity or improvement no matter how many times I have disputed information with them. XXXX continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that SELF may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers XXXX XXXX, however if you disconnect your bank information the score falls back to the XXXX. I am seeking help with unfair credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me, and a few addresses.

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 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
Purchased an XXXX puppy named XXXX on XX/XX/XXXX. {$1000.00} payment sent to XXXX XXXX at XXXX through US Bank XXXX. Transaction completed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. Puppy was to ship within 2 hours per website and XXXX XXXX. I contacted him several times and was told it takes time to process paperwork. My daughter called next morning at XXXX XXXX & spoke to XXXX. Told her the paperwork takes time, that I would hear from the shipper in a couple of hours. Three hours later I receive an email from XXXX XXXX XXXX XXXX XXXX XXXX with info puppy would be shipped at XXXX, arrive at XXXX. Delivered to my home. Received another email from them, requesting {$1400.00} for transport crate and I would be reimbursed when puppy was delivered. I thought they meant {$14.00} and sent another XXXX payment of {$14.00} to XXXX XXXX, XXXX email XXXX. They sent an email back stating the cost of the crate rental is {$1400.00} not {$14.00}. I emailed them back and told them the seller was responsible for shipping the puppy to me and to get the money from him. They responded back they would not ship the dog and did not refund my {$14.00}. At this time knew I had been scammed. Reported to US bank on XX/XX/XXXX. Did not hear back from bank. Met with a banker on XX/XX/XXXX and they will not refund my {$1000.00}. I want both web sites removed from internet and prosecuted to the fullest extent of the law : XXXX XXXX XXXX  & XXXX. The above information was sent to the Federal Trade Commision. 

Also, was told by a XXXX customer service representive, XXXX, who helped me set up the XXXX account I would be able to get my money back. I met with banker at US Bank, XXXX XXXX, on XX/XX/XXXX and was told I can not get my money back. The bank never made contact with me after I report the scam/fraud issue to them. I called a week later to insure my claim was being investigated and was told it was. I would have reported this sooner had the bank contacted me. Someone there dropped the ball. I never would have sent any money to anyone without assurance my {$1000.00} would be refunded to me if there were any problems. US Bank obviously supports the use of XXXX and should be held accountable to refund my {$1000.00}. Thank you very much for any help you can give me in recovering the money I was scammed out of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I had a XXXX  visit years ago over an XXXX XXXX. The XXXX had settled the account with their financial aid and alongside my insurance that I gave to them. They are now trying to falsely report a debt and ask for payment when the balance is supposed to be XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me, and a few addresses.

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 2021-09-25 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me, and a few addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau Re : XXXX, XXXX, and Transunion Credit Reporting I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to medical issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined XXXX a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with XXXX and 59 points with Transunion . My credit history with Transunion has never shown any positivity or improvement no matter how many times I have disputed information with them. TRANSUNION continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that XXXX may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers credit boost, however if you disconnect your bank information the score falls back to the 500s. I am seeking help with unfair credit reporting!

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 2021-09-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: FL

Complaint narrative:
TransUnion is Triple reporting one set of XXXX Loans.. I have contacted the Original creditor any they informed that these loans are with a collection agency.. I provided screenshots of said accounts. US DEPARTMENT OF EDUCATION 2 times, US DEPARTMENT EDXXXX, XXXX XXXX XXXX SYSTEM 2 TIMES... THESE ARE THE SAME account that is current closed and with a collector. I have filed two disputes with TransUnion concerning this and they have yet to amend this ... Also I have mentioned that the address below is not mine and they have not removed it in VIOLATION OF THE FCRA. Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL 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 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Pacific Credit Company, LLC
State: MO

Complaint narrative:
Claim number XXXX. Current creditors FPC account XXXX XXXX XXXX. Balance XXXX and XXXX I DO NOT KNOW WHAT YHIS IS I HAVE NEVER FOOK ANYTHING OUT! SOMEONE IS USIMG MY IDENTITY PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold 3 items to 2 different people on XXXX on XX/XX/21. Paypal has NOT sent the money to me, there is a hold for NO apparent reason. I think they are keeping it to get the " float '' on it.

Company response to consumer: Closed with non-monetary relief