vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
At XX/XX/2021, there is an unauthorized withdraw ( {$660.00} ) from my checking account. after i called the bank 20 times they could not give me a proper answer. there isn't another way to contact them and my account being locked by this bank without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

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 2021-08-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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:
I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft

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 2021-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am receiving letters from XXXX XXXX XXXX, XXXX saying that I owe {$1200.00} from a transaction with Pay Pal on XX/XX/2019. I do not have a Pay Pal account and believe that this is fraud.I called XXXX XXXX to say that I did not make this transaction and they are asking for a lot of personal information which I am suspicious of. My attorney advised me to contact the CFPB to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
The City of XXXX collection on my credit report being collected on by Penn Credit # XXXX needs to be removed from my credit. Penn Credit is attempting to collect on a debt that is not owed and was paid directly to the City of XXXX. Attached you will find a copy of the paid in full plus fees letter from the City of XXXX. Due to this being paid directy to the City of XXXX, this collection on my credit report is no longer valid and is illegal to be on my credit per the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXXXXXX FL XXXX SSN:XX/XX/XXXXDOB : XX/XX/XXXX I challenged these accounts with Experian and they sent me an Email saying that the information was updated. 

Experian reports : 1 ) XXXX XX/XX/XXXX Closed 21 potentially negative months Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$4600.00} Closed XXXX XXXX, XXXX ( According to XXXX ) The account was closed and there should not be all those late payments ( CO ) after it was charged off and closed. 
It is a violation of the FCRA and the FDCPA and should be removed. 

2 ) XXXX XX/XX/XXXX Closed 9 potentially negative months Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Closed XXXX. XXXX, XXXX ( According to XXXX ) The account was closed and there should not be all those late payments ( CO ) after it was charged off and closed and even after it was settled and paid they reported CO in XXXX and XX/XX/XXXX. 
It is a violation of the FCRA and the FDCPA and should be removed. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Someone hacked my boss email address and ask me to go XXXX  and and buy gift cards on XX/XX/2021. I bought the gift cards and emailed to him. 

The Company have don't any wok yet and the bank is looking into it. But I'm afraid that this person is still scamming people.

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 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
This incident occurred around XXXX XXXX  ET XXXX XX/XX/2021 XXXX. I checked my balance on Coinbase, and I found out that my $ XXXX available fund became {$70.00}. Then I checked the recent transaction history, and it showed that somebody converted my investment to Bitcoin and sent it out 2 times in $ XXXX and $ XXXX. I immediately locked my account and submitted a ticket to Coinbase customer service. I scanned for viruses and found 0 viruses. I used a two-step verification for security purposes, and somebody was able to get the verification code.

The question is why did Coinbase approve 2 withdrawals worth more than {$6500.00} initiated from a different IP address that was never used, not frequently used, or the IP address had not been used for over a period of time for trading or other purposes by the account holder without verifying the account holder 's IDs and a selfie? This is serious security negligence and lack of common sense. There's something worth mentioning : the hacker was also able to sign in to my XXXX online banking account, but XXXX stopped it when the hacker tried to send the money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2021, I opened a saving account with FifthThird Bank. 

On the same day, I decided to fund that saving account via online transfer from another account of my husband with XXXX XXXX, XXXX XXXX XXXX. To verify that account with XXXX, Fifth Third deposited two small amounts into it and my husband confirmed them successfully on XX/XX/XXXX. 

After the verfication, on XX/XX/XXXX I initiated a transfer of {$10000.00} on 53.com, from the XXXX account to the Fifth Third saving account. 

On XX/XX/XXXX, I received email alerts from Fifth Third Bank saying that transfer of {$10000.00} was suspended, and did not complete. 

However, that money was still drafted from my husband 's XXXX account, and was never returned as of today XX/XX/XXXX. 

On XX/XX/XXXX, I called Fifth Third Bank, and they said the money was rejected by them, so it was never deposited. And they suggested me contact XXXX XXXX. 

Then XXXX XXXX told me that because the transfer was initiated by Fifth Third Bank, they had no infomation about the transaction, and did not know when it would be returned. 

On XX/XX/XXXX, I asked XXXX to request a return for that transfer, as suggested by one email alert sent by Fifth Third before. However, that request was reversed by Fifth Third on XX/XX/XXXX, and Fifth Third charged me {$37.00} overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX there were three fraud charges made on my business debit card. I reached out to my Wells Fargo and they denied my claim immediately. I dont think they spent time reviewing my claim because I wasnt there and had not used the debit card. The amounts were XXXX, XXXX, XXXX for a total of XXXX. I was also charged overdraft fees {$35.00} ( two overdraft fees total ). I live about 35-40 miles from the area and have never been to these places before. I have attached the information that I will be sending to Wells Fargo to this claim. I had been in XXXX Michigan, where I live, for days leading up to and after the fraud charges. I have receipts and transactions showing I was in my area leading up to and on the days of the transactions. I have a copy of my registration to the vehicle that I drive. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 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: NY

Complaint narrative:
ATTENTION EXPERIAN THIS IS IN FACT ME, XXXX XXXX. XXXX THIS IS NOT A CREDIT REPAIR COMPANY I have submitted this complaint 2x other times for the same issue. The FCRA states I have the right to dispute items on my credit report. The items must be accurate and verifiable. I have sent a few letters asking you how the chapter XXXX & Chapter XXXX bankruptcy were verified? You did not provide me with that information! I have unauthorized inquiries, XXXX XXXX XXXX late payments that were reported inaccurately, XXXX  credit card charge-off lates that were reported inaccurately, XXXX XXXX charge-off and lates on my credit profile and they have not been removed. 
I have the right to a accurate credit report and you are in fact violating the FRCA. Please investigate and remove all of the mentioned above inaccuracies, update my credit file and send me an updated credit report showing these items removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 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: NJ

Complaint narrative:
As a consumer of the United States, I sent Trans Union a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report.

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 2021-08-27 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX when the pandemic shutdown was announced I notified my mortgage company Select Portfolio Serving Inc that I had concerns about paying my mortgage because being self employed, my client ( a prom attire store ) knew his business would collapse for the XXXX season. I was advised that I would not have to make mortgage payments for the months for XXXX. I did not make those payments and SPS reported to all credit bureaus my account as current for those three months. 

For XXXX as the pandemic continued, I continued my contact with SPS and I was repeatedly told that I did not have to make payments. However for XXXX SPS reported my account to all three credit bureaus as " Unknown. '' For XXXX I entered into a modified agreement paying {$290.00} per month. I was advised by SPS that had I to make all the payments by the 1st of the month, if not, my home would be turned over for foreclosure. I made all 4 payments on time yet SPS reported " Unknown '' to all the credit bureaus for those 4 months. 

SPS notified me that I needed to enter into another modified agreement for the months of XXXX to pay {$850.00} per month with the same conditions of timely payments. Again, I made all four payments on time but this time SPS reported to the credit bureaus XXXX & XXXX as *Current*, XXXX & XXXX as *Unknown* I entered into the final modification in XX/XX/XXXX. I have made all payments on time and XXXX has been reported as current. 

I have now contacted SPS on 2 separate occasions about the inconsistent reporting of my account to all current bureaus but to no avail. Both of my letters were successfully uploaded to their website. I have contacted SPS last month to request an old tax document. SPS was timely in their response ; however, they refuse to address the inaccurate reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
I wrote EOS CCA ON XX/XX/21 asking for validation of a debt. They never sent validation and also put on my credit report that I disputed the debt. I called them they said they received the validation letter on XX/XX/21 and was not required to to send me validation.

Company response to consumer: Closed with explanation