vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: NV

Complaint narrative:
DNF Associates which i am not familiar, is claiming that i owe them money for something that is not mine. I am requesting a validation of this so called debt by mail. I am retired and on ssi which means my income is federally protected. account number ending in XXXX, supposedly.

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 2021-07-13 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: LA

Complaint narrative:
I am a victim of fraud brought on by both Amazon. com and Chase.com. On XX/XX/2021, I received a recorded message from Amazon stating that a {$300.00} purchase had been made on my Chase Amazon XXXX credit card. I knew something was wrong because, I had just repaid this card in full. I checked my account and on XXXX XXXX, an amount of {$570.00} of fraudulent purchases had been made on my credit account. As per Amazon, I contacted Chase Bank and the representative removed the fraudulent charges and issued me a new credit card. A few weeks later, I received a letter from Chase Bank, stating that I was responsible for the fraudulent charges and they were added back to my account. I called Chase Bank, to appeal and was transferred to the fraud department. The fraud department told me to submit the documents showing where there were no purchases made on my Amazon account between XXXX XXXX, which I did. Also, I sent an email from Amazon stating that my account had been accessed by an unauthorized party and to dispute the charges with my bank. I have sent several emails requesting the status of this appeal and I continue to receive a 90-day extension. Instead, I received a letter requesting a {$79.00} payment to this account. When I reviewed by account it has now increased to {$630.00} balance. My account balance should be {$0.00}, as I paid this card in full up to the fraudulent charges, which I will not pay. It appears that Chase Bank and Amazon are conducting a scam by insisting that I pay for fraudulent items I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I demand from PayPal that whatever amount they have received in the account XXXX, any credit transaction in this account I demand that it be remitted to the original credit, since this account was sold without my consent to XXXX XXXX XXXX. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral or other transfer of any interest in a debt will cause the consumer. I have never consented to PayPal to sell any alleged debt. And to tell you that your information is incorrect, I have never had an account with XXXX  XXXX bank, it is false that I made a payment to you from a XXXX  XXXX  XXXX  account. they will have to prove that information because it is false.

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 2021-07-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I tried to call Fifthird Bank at XXXX at XXXX XXXX XXXX and XXXX XXXX - which I never got respond from them. I have been calling IRS who said Fifth Third should provide tracking numbers or instructions of {$7000.00} why it was sent to IRS. 
IRS doesn't have the check and also there is no clues. 
Can they give the tracking number and proof that it was sent to IRS or transactions was clear from fifth Third Bank. 
Can somebody kindly help me. 
Thanks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CITIBANK, N.A.
State: VA

Complaint narrative:
CITI has admitted to inaccurate information on my credit with XXXX  and has yet to fix it this is almost two years of going back and fourth with 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 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
To whom it may concern : Please provide proof of claim of said account XXXX Provide contractual signatures and agreements of said account with your office. 
If no such documents can be provided then by fair debt collection laws you are unjustly harrassing and unlawfully attempting to collect monies not owed to you. 
You have 15 days to remove and cease and desist all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MA

Complaint narrative:
This is a formal complaint that XXXX, XXXX, and Equifax are reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needed to be re-investigated. 

The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
To whom it may concern : Please provide proof of claim of said account XXXX Provide contractual signatures and agreements of said account with your office. 
If no such documents can be provided then by fair debt collection laws you are unjustly harrassing and unlawfully attempting to collect monies not owed to you. 
You have 15 days to remove and cease and desist all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have a secured credit card through XXXX XXXX  ( XXXX XXXX  XXXX XXXX XXXX Credit Card. In XXXX of this year I signed up for credit monitoring services through my credit card and the services were provided by Experian. I created an account and paid for my first months service of {$8.00}. Approximately, 2 months later I was given a chance to upgrade my services and I took that offer increasing my monitoring fee to {$14.00} a month. In XXXX I was billed on my credit card the normal {$8.00} on top of the {$14.00}. I went online to try to inquire about why I was being charged for the two charges when I agreed to the upgrade of {$14.00}. 
When I tried to cancel the {$8.00} services and only keep the {$14.00} services no where was there a place to unsubscribe or cancel. I was not even allowed to remove my method of payment to the {$8.00} services. I called 8 times to Experian and they said the Credit Card company must cancel it. So I called the credit card company and they said they had NEVER offered me such services but I was being billed by Experian and they had to unsubscribe me. I have audio recordings of every phone call placed to both Experian and XXXX XXXX. I finally use a phone number found on a older credit card statement and got a representative from Experian who stated she had removed the {$8.00} charges and canceled those services.And I would only be billed for {$14.00} because of my recent upgrade. When I hung up ALL of my credit monitoring services were canceled! I had to sign back up and now I have a {$19.00} charge for credit monitoring through Experian. I would like to completely cancel anything to do with Experian and get a refund for {$43.00}. I have lost faith and all respect for both Experian and XXXX XXXX credit card. I am trying to rebuild credit and only have a {$200.00} credit limit. Secured by the way. If I cancel the card my credit will be damaged because it is my oldest credit card. I may or may not receive my security deposit of {$200.00} if I cancel without their permission. I do fear I will be punished punitively and with great prejudice to my credit report. So all my hard work and diligence to honor my credit responsibilities in a manner to which was agreed up by the bank and myself will damage my score and report because I am bringing this injustice to light for others to see and learn from my choices and mistakes.

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 2021-07-13 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: CA

Complaint narrative:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

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 2021-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

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 2021-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings
State: CA

Complaint narrative:
I have an eviction showing on my corelogic report from 6 years ago. It's been paid for XXXX, and me and my XXXX  are going through a really difficult time trying to get an apartment to live in. We are homeless, and this reporting of this information is impeding the wellness of me and my XXXX  The company that reported it ( XXXX XXXX, and XXXX XXXX ) refuse to remove it.

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Klarna AB
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I attached the documents and emails with dates I purchased an order and did not receive it and it was resent but there was an exchange needed and they did not credit it and the merchandise has not been exchanged and the original merchandise is with the vendor XXXX. I have tried to call but they disconnect and no one seems to know what is going on and I have received no help I sent a letter to the XXXX  and still no response at this point I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have an eviction showing on my XXXX report from 6 years ago. It's been paid for 5, and me and my children are going through a really difficult time trying to get an apartment to live in. We are homeless, and this reporting of this information is impeding the wellness of me and my children. The company that reported it ( Kimball, Tirey, and St. John ) refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this date over 42 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 611a it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 42 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation. due ti XXXX you caused me. my information was also impacted by the Equifax data breach and may have gotten in to the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: PA

Complaint narrative:
Under the FCRA XXXX, Experian, and XXXX  are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.

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 2021-07-13 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I filed a dispute in regards with the information on my credit report and it has been well over 30 days and i have note received any information about the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My rights were violated in accordance with 15 USC 1681a 2b. There are 9 accounts that are fraudulent this company repeatedly ignored, and were left on my credit profile. I have sent 5 certified letters requesting that this information be removed. This has caused me a great deal of distress, as it has caused me to be denied employment, housing, transportation, business, and various other opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I pulled my credit reports a months ago and I notice an account was reporting that I was not aware of, I then reached out to the company. I requested proper validation that is 100 % accurate according to the FDCPA and FCRA. Nothing was provided for on each occasion. All I received was a print out of a debt that is said to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Paramount Capital Group, Inc.
State: CA

Complaint narrative:
I have a loan account with Paramount Capital Group that originated in XXXX of XXXX. The loan terms were on a monthly payment basis for a fixed ( minimum ) amount that would span for a duration of 5 years. During the XXXX  year, the monthly payments were made on-time. At the start of the XXXX  year, the COVID-19 Pandemic caused a major disruption in the work force ( causing many people to pause- or end- working ), including my particular work industry. As a result, during the month of XX/XX/XXXX, it was initially reported that I became late on the monthly payments ( but not delinquent on the monthly payments ). After some major " push-back '' from telephone representatives that wouldn't allow me to speak a supervisor at Paramount Capital Group about COVID-19 Hardship options to have the late payments removed from my XXXX, XXXX, and XXXX  credit reports, I continued to make monthly payments and I continued to contact the customer service department at Paramount Capital Group ( about COVID-19 Hardship options to have the late payments removed from my XXXX XXXX and XXXX  ), but ( on numerous occasions stemming from XX/XX/XXXX to XX/XX/XXXX ) the customer service representatives gave me the strong impression that they were insensitive to my COVID-19 Hardship request to have the late payments removed by being very dismissive and inconsiderate ( even after the discovery of the 5-year loan account being " paid-in-full '' with a {$0.00} balance 1-year after the reported first late payment ). PLEASE KNOW, I never stopped paying on my loan account and within 1-year after the first reported late payment, I paid the loan account " in-full '' with a {$0.00} balance after recovering from the harsh hardships from the COVID-19 Pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief