vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I Listed a guitar for sale on XXXX market place for XXXX no Shipping local pickup XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX offered me XXXX additional plus transfer fees to ship the guitar through receiving the payment through PayPal He received the guitar in the picture right down to the serial number and opened a case with PayPal that should have never been opened XXXX XXXX SENT THE MONEY PERSONALLY witch is not covered by PayPal He then got His credit card company to pay him XXXX and refused to send the guitar He did not want? Back to me and refused contact with me kept His money and the guitar PayPal closed the case in my favor then turned the amount over to their collection agency and placed the entire amount on my credit report and began collection process with me for XXXX I talked withe several PayPal employees and filed a case and PayPal refused to see this as fraudulent activity the case no is XXXX they closed this in my favor I have the screen shots of PayPal closing the case in my favor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
I XXXX of XXXX I started a loan modification with round point mortgage. After I signed and returned the document in XXXX of XXXX my loan was sold to BSI financial Services. They in turned started their own loan modification. As of this writing ( XX/XX/XXXX ) the loan modification has not closed. they list me as XXXX XXXX  behind because they have not melded the two account, they also list me as being XXXX behind, and have reported me twice as being delinquent to the credit bureaus. Because of their reporting I am unable to qualify for any other loans. They are using this modification to suppress my ability to remove my loan from their institution. Even with Covid it should not take over a year to complete and Modification. Their slow walking the modification has cost me thousands that I could have saved with a better rate, and their reporting a thwarted my ability to get out from under their control. Or qualify for better rates on all my credit needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I found a XXXX  check for the collateral balance remaining from my secure credit card I had with Wells Fargo. The cashiers check and letter are dated from XXXX, but I had just found the document on XX/XX/XXXX. I first tried to call to verify that it would be able to be cashed at a branch, I got no response from any customer service agent at Wells Fargo. I then tried to cash it at a local branch, they said they could not and told me to contact customer service. After many attempts to get this issues resolved, after several agents continuously transferring me to department after department within Wells Fargo customer service I still have no resolution to getting my funds which Im legally entitled to. I have the letter and the check number but yet anytime I speak with Wells Fargo over the phone I am either transferred to the incorrect departments or hung up on.

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 2022-01-18 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: MI

Complaint narrative:
XXXX XXXX  card number ending in XXXX I should have a XXXX balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault

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 2022-01-18 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: MI

Complaint narrative:
XXXX XXXX card number ending in XXXX I should have a zero balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault

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 2022-01-18 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: AL

Complaint narrative:
After several attempts at trying to resolve this matter with both creditor and reporting agency, my attempts have come to no avail. I've had to file an identity theft report to support my claim, and hopefully remove the incorrect, erroneous information from my credit report. I've called Equifax XXXX XXXX on several occasions and even with this information being incorrect, they can not remove it because a creditor has told them not to. Not only am I a victim of identity theft, neither Equifax, XXXX or the original creditor were able to furnish documents barring my signature. On XX/XX/2022, I sent Equifax XXXX XXXX a dispute letter, and a copy of my FTC identity theft report. I've waited the four business days and haven't received any communication whatsoever. This is my final attempt before pursuing litigation. 

XXXX ( XXXX XXXX XXXX ) has continued to report an account to the major credit bureaus that's not mine. This account clearly has adverse information making it clear that this account was fraudulently created. 

Attached is the original report with the original report number along with an additional report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All XXXX Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.

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 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
SOMEONE HAS OBTAIN CREDIT UNDER MY NAME AND SOCIAL COMPANY NAME IS ACIMA CREDIT ACIMA CREDIT WAS OPEN IN MY NAME ON XXXX I/A/O {$10000.00} ACCOUNT # XXXX ACCOUNT TYPE-LEASE MONTHLY XXXX {$900.00} BALANCE XXXX TERM IS 12 MONTHS PHONE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
In 2018 I had an emergency I went to XXXX XXXX in California I talked to my insurance at the time they said they would pay it next thing I know I have a collection on my account from Rash Curtis & Associates later when I went to someone to assist me with getting it taken care of I noticed the amount owed on the debt is going up and continues to go up when we called to work something out the operator wasn't receptive of a payment plan or anything. This issue has gone on all my credit reports XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I placed an order with my American Express card at XXXX in the amount of {$290.00}. After waiting for two weeks and not receiving my order, I reached out to the merchant and informed them that I hadn't received my order. They checked the tracking number and told me that the order had already been delivered. After conducting an investigation they concluded that the order had been delivered and they could no longer help me. 
I then reached out to my credit card issuer American Express and they told me they would conduct an investigation on my behalf. After reviewing the tracking number, they concluded that the merchant and delivered the order and rebilled me. I contacted American Express and they asked me to provide documentation that the order hadn't been delivered. I asked them what type of documentation I could provide for a lack of delivery and they couldn't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TX

Complaint narrative:
Equifax is reporting the following medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay I have already disputed with Equifax multiple times over 4-6 months and still i do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these types of inaccuracies are unacceptable. 

Account No. XXXX Amount {$200.00} Account No.XXXX Amount {$480.00} XXXX & Equifax is reporting inquiries on my credit files that is paid off and still needs to be removed. I have a right to an accurate credit file and types of inaccuracies are unacceptable. 

Account No. XXXX Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have contacted and disputed the alleged obligations that Chase bank has stated I owed, which was delivered to them on XX/XX/XXXX of 2022. While my overnight delivery to them has yet to arrive to their billing dispute center due to USPS delivery disfunction and only arrived to their payment center, this does not disregard the dispute that was placed to Chase bank regarding my accounts. With my disputes, I sent a notarized affidavit of truth dated XX/XX/XXXX of 2022 along with a cover letter, exhibits, and a cease and desist with demands for remedy. 

I am submitting this complaint 8 days after my sent letters since Chase still indicates that I am late on a payment regarding an obligation that I do not owe, which is violating federal law of seeking payment during a billing dispute and using obscene language to have me make a payment with federal promissory notes. I am also submitting this complaint indicating that Chase bank is still communicating with me without regard to the demands that I have made for remedy or settlement or documentation evidence for their claims after placing in a cease and desist with conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: KY

Complaint narrative:
This is a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with XXXX? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with XXXX? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.

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 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not recognize this inquirieXXXX XXXX XXXX XXXX. I did not authorized this inquiry.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, We booked round-way flight tickets for our family of XXXX through Chase Travel with Chase Reward points, and the remaining balance using our credit cart on XX/XX/2021. The total amount of the tickets was {$1400.00} ( paid by {$320.00} and XXXX points ). The flights were with XXXX XXXX ( XXXX ), and the departure date was Fri, XX/XX/2021, from XXXX to XXXX, and the return flight was on Fri, XX/XX/2021, from XXXX  to XXXX. 
On XX/XX/2021, the day before our departure, XXXX notified us that our departure flight was canceled. We contacted Chase Travel immediately and was told that XXXX ) they didn't receive any notification on their end that the flight was canceled so they wouldn't do anything for us XXXX ) they asked us to contact XXXX directly for information XXXX ) they couldn't guarantee the refund on the flight canceled by XXXX because they didn't get the information. Therefore, we contacted XXXX directly, and UA said they would process our refund due to the flight was canceled by the airline. On XXXX of XX/XX/XXXX, about XXXX hours after our flight was canceled, we received an email from Chase Travel saying the flight was canceled, but didn't mention anything about the refund. 
XXXX processed our refund for the departure flight on XX/XX/XXXX, and the refund was completed on XX/XX/2021, and the total amount was {$740.00} ( $ XXXX for each ticket ), and the refund amount was returned to our original payment method. 
In the whole process, since our flight was canceled, till today, we have been calling Chase Travel for many times, and each time the customer agent told us different things, some said XXXX took control of our flights, some said they were not sure about the refund, some told us to contact XXXX etc. We needed to wait hours for one call but couldn't get anything solved afterwards and we were very frustrated. We have confirmed from XXXX that they have issued the refund oveXXXX XXXX  weeks ago but Chase Travel refused to verify that they received it ( the customer service agent said they had no access to that ), and they declined to take the proof of XXXX refund. The last time they told me is, it will take up to 2 billing cycles, but they don't know when is the last day of the future 2 billing cycles and all we can do is to WAIT WAIT and WAIT! This is completely a FRAUD and WORST CUSTOMER EXPERIENCE EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My card was stolen on XXXX XXXX weekend, from my vehicle. Approx. XX/XX/XXXX. I did not realize my card was missing until I logged onto the American Express Serve card app. There were 14 charges, 11 at 5 different gas stations. XX/XX/XXXX, I immediately called American Express Serve to notify them. They filed a dispute. 
I followed up with a police report & submitted my supporting paperwork. I called customer service to inform them I needed my full card number so the police could execute a warrant for the businesses that my card was used at, I was told they have no access to my full card number. I was told I would be contacted within 10 business day with a decision. Today, I was sent an email saying they were denying my dispute. I only get my payroll check direct deposited on this card. I then take my money off the card. I do not use this card to make frequent purchases. American Express Serve allowed a their yo use my card multiple times at gas stations and other locations. The 11 gas station charges were suspicious and should not have even been allowed to be charged. I am very unhappy with this prepaid company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
In 2018 we had a car and entered bankruptcy. The auto loan company never approved a debt reaffirmation and repossessed the vehicle in 2018. They sold it and left a balance. We were unable to pay so it was charged off. We live in NC and there's a 3-year statute of limitation. We never had contact with the debt XXXX. Recently I noticed my credit score dropping as the charged off balance was " increasing '' every month. We disputed it with XXXX. As we were waiting to hear back about the dispute, the debt was all of a sudden " Reaffirmed '' on all three credit reporting agencies. We never had contact with the debt collector and we never reaffirmed any debt. We tried contacting XXXX but they stated they only report what the debt collection company tells them. I can't do anything about it. TD Bank was the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: AZ

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation