vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
REFERENCE XXXX In XX/XX/2020 I've placed an order on Amazon website from a third-party seller XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXXXXXX fro the amount of {$3800.00} and used my XXXX XXXX to pay for this amount. 
The package was delivered to my address in XXXX XXXX, NY, however the condition of the item wasn't as described - unit wasn't powering on and I couldn't receive any customer support from the seller, therefore I've requested a return due to the item arrived wasn't in the condition as described. 
Seller provided me with the return information and the item was successfully returned via XXXX XXXX XXXX XXXX XXXX as of XX/XX/2020 and I've received an email from Amazon with statement 'Once XXXX XXXX XXXX   receives the item below, we'll issue a refund to your original payment method '. 
I have reviewed the response altogether with a documents provided by the opposing side and vocalize my intention to continue this dispute. In order to prove that Ive returned exactly what was purchased, during the packaging Ive recorded a video of physically placing an item into the box, showing all pieces packed altogether with a shipping label close up. 
Originally this video was recorded due to insurance concerns merchant refused to provide the return shipping label, so I had to purchase one. Due to the high value amount if this item, I had to insure this package. During that time, XXXX advised me, that in case the package gets damaged, best way to get a reimbursements is to have a proof of solid inner packaging. In cases like mine, where the item was very costly, video would be a great type of a supporting document. 

Video had been recorded on XX/XX/2020 and available via link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sorry for the inconvenience of having to watch that long. Ive enclosed the the timecode, which also could be found in a description box below. Ill copy them here for your convenience as well. 

DISPUTE CASE XXXX XXXX CLAIM ASSOCIATED WITH A TRACKING XXXX RECORDED ON XX/XX/2020 TIMECODES : 0:18 - Showing was was packed 0:26 - Condition of the item 1:54 - Sealing the decorative box 2:16 - Sealing the retail box ( serials enclosed ) 3:56 -  Final check of what's inside the box 4:04 - Inner packaging 4:58 - Sealing the shipping box 5:12 - Showing the return XXXX shipping label with matching merchant credentials 5:27 - Outer packaging final check up Among the documents provided by the opposing side, I havent found any photo or video proof of their words. Therefore I found their position nothing but a blasphemy and hearsay, with all due respect. 


Kind regards. 
XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To whom it may concern, I have already filed a Police Report I had some fraud on my report someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent accounts at once : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX never had this account or done any business with these companies.

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITALONE BANK HAVE NO WAY TO CONTACT THEM DURING COVID-19. CAPITAL ONE BANK HAVE NO EMAIL, NO CHAT, NO WEBSITE LINK, XXXX XXXX TO REQUEST HELP WITH ISSUES. THE ONLY OPTION CAPITAL ONE BANK GIVING TO ITS CUSTOMERS/POOR CONSUMERS IS TO CALL 800 NUMBER OR READ THEIR FAQ. READING THEIR FAQ ON WEBSITE CAN NOT REQUEST PAYMENT DEFERMENT ON PARTICULAR ACCOUNT. THEIR 800 NUMBER IS ALREADY JAMMED DURING COVID-19. THEIR FAQ ON WEBSITE IS USELESS BECAUSE THERE IS NO WAY TO CONTACT THEM AND REQUEST DEFER PAYMENTS ON ACCOUNT DURING PANDEMIC COVID-19. PLEASE HELP POOR CONSUMERS.ALL OTHER BANKS HAVE PROVIDED AUTOMATIC PAYMENT DEFERMENT OR VARIOUS ELECTRONIC METHODS TO CONTACT THEIR CUSTOMER SERVICES DURING COVID-19. BUT CAPITAL ONE HAVE DONE NOTHING EXCEPT SAME 800 NUMBER WHICH IS ALREADY JAMMED WITH CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 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 {$4700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on Apr XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -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 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AZ

Complaint narrative:
I have been addressing Equifax of a breach since before the Data Breach. Chief Judge XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia is overseeing these lawsuits. These lawsuits are known as In re : Equifax Inc. Customer Data Security Breach Litigation, Case No. 1:17-md-2800-TWT. 

Was finalized. 

Because I have personally been effected by it. Which can be proven through the link provided https : //www.equifaxbreachsettlement.com/ Now, there is a settlement pending for compensation HOWEVER EQUIFAX continues to Report Misinformation, as I have submitted MANY direct disputes with EQUIFAX TO THE CDPB PERSONALLY regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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 {$4700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4700.00} -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 2020-04-23 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 {$4700.00}. 
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 ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed obsolete student loans with Experian in which they ere deleted. I have attached the credit report for XX/XX/XXXX. As you can see all of the XXXX creditors had been deleted as they are obsolete and have passed statue of limitations. Experian without notice 5 months later reinserted the deleted accounts from XXXX. I discovered XXXX was reinserted 5 months later ( XX/XX/XXXX XXXX, please review credit report as it was reinserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item and you did not. I did not receive any such notification from Experian. Please delete this item immediately. Experian and XXXX is reporting information that has been falsified to keep on my credit report pass the obsolete time frame. XXXX XXXX XXXX is the same company that I previously disputed and the obsolete accounts were deleted by the name of XXXX XXXX XXXX XXXX ( XXXX XXXX  ). I have attached the letter from XXXX acknowledging that they are XXXX XXXX. Please review the credit report dated for XX/XX/XXXX and XX/XX/XXXX, it shows the original opening dates of the accounts in which the debt collector purchased ( XXXX XXXX now XXXX XXXX ) is reporting as a recent accounts which is against the law. Collection accounts must be purged from your credit reports seven years from the date of default on the original account. When a collection agency purchases a debt, they can not re-age the account to restart the clock and this is what XXXX has done. In fact, any changing of the date of first delinquency, the date of default, or the purge from date on an account would be illegal. Please review the credit reports attached. If you refer to the original creditors on the XX/XX/XXXX credit report, it shows the original creditors which were in XXXX. All of the original account dates exceed 10 years of age and exceeds statue of limitations. I am asking you to delete the accounts immediately or I will have to seek legal representation against Experian and XXXX. The original creditore was contacted and was aware I was XXXX over 10 years ago.

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 2020-04-23 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: NJ

Complaint narrative:
They sent me a letter confirming that all of my payments were made on time however the credit bureau didnt resolve my dispute.

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 2020-04-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX And the all three credit bureaus : XXXX  XXXX  XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.

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 2020-04-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN is depicting a XXXX, charged off account with what I believe to be inaccurate information in the payment history.The account is saying the date of first delinquency was XXXX believe this to be entirely incorrect because my financial implosion was much earlier.I think the XXXX days late began at least 6 months earlier or more because perhaps it was forgiven maybe because ... XXXX am a military veteran with an account that was good for seven years which might have seemed to help at the time but does not help now.So ... .the inaccurate payment history with the inaccurate date of first delinquency should cause this account to be removed from my Experian file right now.

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 2020-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( account # XXXX ), XXXX XXXX, XXXX XXXX start violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX   XXXX XXXX, XXXX XXXX XX/XX/XXXX ) reported to Experian that I applied to credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer rights.

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I have sent this company numerous emails with the information that was requested after talking with the cards customer service reps. They said there is nothing they can do at all on their side. Ive sent emails since XXXX XXXX of 2019 with my information. I hated doing this so unsecure, XXXX the asked for a copy of my DL and SS card with paystub ... I never received any formal request at all or even in the mail. They just denied me all access to my account on line and all the funds I had on the account. They still have not got back to me..I will be closing this my vanilla card and never using it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
In 2013, I filed a state tax return in XXXX. My Federal return for 2013 was later amended. The transmission for unexplained reasons did not automatically correct my XXXX return. When corrected, the State of XXXX   said I owed additional tax. The respondent was not licensed in XXXX XXXX as a debt collector or attorney. The threatened to bring suit against me in XXXX where I did not live and actually stated that service of process on me at an address in XXXX that I no longer owned was " good service. '' They threatened to garnish my wages and never gave proper notice of my debts. They also denied me lawful appeal rights available through their client. I am out my legal fees of {$7500.00} plus statutory damages under FDCPA and emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX T.D. Bank XXXX XXXX And the all three credit bureaus : XXXX XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill  deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.

Company response to consumer: Closed with explanation