vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Originally I had an acct with XXXX. XXXX  purchased XXXX. I was not happy with XXXX  's customer service, so I cancelled my services. I did not owe a cancellation fee, as I was out of my contract. ( Verified by phone call. ) I mailed in all of my equipment. I paid my last payment. I do not owe XXXX or XXXX  any money. I have received many notices from XXXX stating that I am owed XXXX from my deposit fee and overpayment of my last bill. I have yet so see that money, and have charged it my list of actually ever receiving it because there is no way of me actually collecting that money from a huge corp such as XXXX   and including such poor customer service. I have attempted to resolve this conflict with XXXX  and XXXX on so many occasions. I continuously get transferred from this person to that person. I have spent literal hours on the phone only to be eventually disconnected.

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 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My identity have been stolen. My credit reports have a XXXX XXXX account that I never opened.I need this to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WAFD BANK
State: NV

Complaint narrative:
I put it in federal court, FTC, FBI, I am being retaliation upon. I lost 6 laptop in the past 5 years. This is what cost me my job in 2015 XX/XX/XXXX. 
I have been data breached so bad that my info is in other countries, not only is this a problem foreclose. i am in trouble for tax evasion from other countries that I am just finding out about. 
The mistake of data breach, ID Thief. Has about made me a XXXX   person. 
see the doc from the attorney general.

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 2020-05-12 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: ONEMAIN FINANCE CORPORATION
State: NY

Complaint narrative:
I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) Onemain  2. ) XXXX XXXX XXXX 3. ) XXXX  's XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TX

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. DPT EDXXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX ADJUST XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-12 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: TX

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. DPT ED/XXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-12 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: CT

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. XXXX  is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-12 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: CT

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX  partial account number XXXX. XXXX  is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was victim of identity theft as a result of being XXXX  and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been to SunTrust two times to place a check an my checking account and they would hold my money to I had the money an my account to cover the funds, the check was from a approve loan company, why would I need money from a loan company if I had money!!

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 2020-05-12 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX, I have never done business with Convergent outsourcing. Although I do have two amounts on my credit, one for XXXX ( XXXX ) and the other XXXX ( XXXX ). I do not have a signed contact with Convergent outsourcing. I have the right to demand to see the contract between Convergent outsourcing and myself.

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 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I sent money to my mother during COVID on XX/XX/2020. It was suppossed to be delivered by XXXX the latest. I got the text message the money was delivered. However, when I called my mother ; nothing has been received in her bank. And was constantly reaching out to the bank on their end. And gave me a resolution that they have not received any money. I also reached out to XXXX and gave them infor to reasearch the transaction on XX/XX/2020 via XXXX. After this I never heard back from them even after sending them several messages. I reached out to their CEO too. I even sent an email. Their phone no. says service unavailable. Their website says chat, email and phone services are unavailable after you log in and send the money. Before you send the money it shows chat is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: NY

Complaint narrative:
On XX/XX/XXXX I booked two online tickets with XXXX XXXX ( Locator # XXXX ) for a round trip to XXXX with a departure the XXXX of XXXX from XXXX to XXXX XXXX ( XXXX # XXXX ) and a return on the XXXX of XX/XX/2020 from XXXX to XXXX ( XXXX # XXXX ). The transaction was done in the morning and within minutes I cancelled this reservation by calling directly XXXX to make sure it was done in properly manner and in order to make sure was within the XXXX grace period the airline has in their policy to provide full refunds to the credit card. To this day, XX/XX/2020 no refund has being generated from XXXX to my American Express platinum card and they ( the airline ) claims they never processed the payment. American Express, in the other hand, claims the airline processed the charge of {$1100.00} to my account. 
At this point Iam in the middle of all with a violation to my rights as a consumer that wanted to follow the rules of the airlines fully to be able to do things right. 
American Express after lengthy investigation during disputed charges closed the complaint and are ready to reflect that full amount aforementioned in my next billing cycle. 
Please help me in this matter as it is money that I rightfully believe should have not been charged at all. 
If you need further information please dont hesitate to contact me and I will gladly provide documentation. 
Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: California Accounts Service
State: CA

Complaint narrative:
On XX/XX/19 California Account Services located at : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX  ( XXXX ) XXXX was served with a cease & desist letter, disputing the validity of the debt under terms and conditions of the FDCPA and informing them that I would deal with the original creditor directly. Since then, they have repeatedly reported this as a valid debt to credit bureaus and specifically to 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 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America made a mistake processing a wire i tried to send on XX/XX/20. They then lied to me and told me the other bank didnt reply to a swift message that they never sent. Then they lied and said their website doesnt always display the right disclosures so they had to cancel it so I could try it again. Then they finally admitted they clicked the wrong button and cancelled it by mistake. It should be illegal for banks to lie and blame other companies for their errors. You should fine them.

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 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We have a long lasting and exclusive relationship with chase bank, comprised of both personal banking and business accounts ( XXXX XXXX, XXXX  ) on both the Personal and business side this relationship includes a wide array of services including checking/savings accounts, credit cards, lines of credit. During the covid 19 pandemic your behavior and approach have left us in a precarious situation and with very little choice than to protest and claim foul play

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX of Weltman, located in Michigan, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX got a court located in XXXX XXXX, MI located XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to issue a subpoena on behalf of XXXX XXXX for which I never had but was closed and paid in full. My identity was stolen in XX/XX/XXXX and unbenounced to me several credit cards were opened in my name and or re-opened which I thought were closed, as was XXXX. 

Subsequently, this Firm, Weltman, stole my social security number in an attempt to collect funds. This firm are known to be scam artists with attorneys on staff. This is all they do. 
Their so-called phone is XXXX. 

This firm is also sending information to a second home, and not my primary residence. 

I have contacted an attorney in New York and have started the process to sue them for stolen consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: GA

Complaint narrative:
A individual named XXXX called for XXXX ( Superlative RM ). He asked if I knew an XXXX or XXXX XXXX, I did not. He repeated the question and I answered I did not know them. 

I then asked who was he with, he did not answer, I asked again about relatives of the XXXX '. I asked a second time and he hung up without answering the question of what organization he was with/representing. 

He then called my wife, and when she advised that he had just spoken with me, he hung up immediately before she could ask him who was he with. 

I contacted the company, and filed a complaint with XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity began 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I received a notification from PayPal with a receipt of {$1000.00} from XXXX on my account. I already had my XXXX account locked at this time due to suspicious activity, so I knew this was a fraudulent transaction. I immediately contacted PayPal through their live chat option with the information about the fraud. I was advised to file an unauthorized transaction case, and did so that same day. On XX/XX/XXXX, I received an email from PayPal saying my case was denied. I logged into PayPal for more details, and to my shock they had allowed six more transactions to go through from the same merchant. I then called PayPal to find out why this was still happening after I had alerted them of the fraud. I was told to appeal the decision and upload any proof I might have to help my case. I filed my appeal with screenshots of me being locked out of XXXX during the time of the transactions, and in less than 10 minutes, it was denied again by PayPals computer system. I was forced to contact my credit union that is connected to my PayPal account and instruct them to not allow any transactions through until I could get my account secured. From the PayPal website, PayPal defines an unauthorized transaction as an Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. This is exactly what happened to me and I have become a victim of computer fraud. PayPal has now sent my account to their collections department and offered to settle for a reduced amount. I contacted the office of the Minnesota Attorney General, and they suggested that I file a complaint with the XXXX XXXX XXXX. I would greatly appreciate any help in fighting these charges.

Company response to consumer: Closed with non-monetary relief