vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Requested Credit/Refund : {$220.00} Transaction date : XX/XX/XXXX Reason : Overcharging/Unauthorized/Poor quality Dear Sir or Madam : I am appealing a rejected dispute on my card. CareCredit conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I did not authorized the type of XXXX they billed. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead I received a rude response from the Merchant  Manager. Immediately, I faxed my dispute to CareCredit but it went ignored. I know Synchrony received the dispute recently mailed regarding this transaction. From mentioned dispute.. all I got was a card replacement. Missing the requested refund for the actual disputed amount. Thus, now I do not even have access to my previous statements since XX/XX/XXXX.
Explaining my dispute : During my 1st consultation visit with the Merchant I provided the Dr. and staff a copy of lab results from XXXX recently performed by my pets primary veterinarian. I clearly specified to them not to perform the exact test. My relative, who accompanied me also reinstated this. Shes a witness about this being mentioned. They also didnt actually hand me the estimate instead they just spoke about what is being done and there was a separate piece of paper behind it. 

However, the results of the XXXX they took was provided after 2 weeks & not at the moment. Which is why I did not know instantly that they still went ahead & billed me despite of what we agreed on. they could have it ready instantly as its a hospital fully equipped with an ER laboratory. So theres a high probability they did it this way to charge me for something I disapproved.

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 2017-10-02 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: NV

Complaint narrative:
Data Breach that is all over the news and internet. My personal information is out for anyone to see. In addition to that a prior situation is that I was not advised nor did I allow the bankruptcy information to be added to my Equifax credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA.
Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.
615 ( a ) requires the user to notify the consumer. 
Equifax has not added a line in regards to US Bankruptcy Court of Nevada dispute per section 623 ( a ) ( 3 ) Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Equifax has failed to respond satisfactory within 30 days on response letter dated XX/XX/2017.

Equifax has repeatedly verified without yielding proof of verification in response letters da

ted XX/XX/2017 & XX/XX/2017. Equifax has failed to reply to letter asking for proof
of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction.
Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a letter with XXXX XXXX on the envelope. My mother 's name begins with a XXXX I do n't know if whoever was suggesting something. I have never received anything like this before from the company.

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 2017-10-02 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: NV

Complaint narrative:
I was not advised nor did I allow the bankruptcy information to be added to my Transunion credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX XXXX information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us.
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623

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 2017-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX Account is frozen without reason for almost 3 months ==== We set up a PayPal business account for non-profit in XXXX XXXX. Since then, we have use it for online donation and money transfer to bank account or other PayPal accounts without problem. 

Since XXXX, the account was put into account limitation state and could not transfer money out. Starting from XXXX, the account could not even receive money. As such, we can not accept online donation. Currently there is about XXXX in the account. 

PayPal compliance department requested 4 pieces of information on XXXX ( see attached ). Due to some technical issues probably in PayPal side, we did n't receive any related emails from PayPal in our 3 email accounts registered in PayPal. Once we learned the situation through other channels, we provided the requested information on XXXX. 

Again, no further email or phone call was received from compliance. Only after calling to Customer Service, we learned that additional information was asked. We provided that on XXXX, XXXX and XXXX. 

According to customer service, the review process started on XXXX. 4 weeks have passed and we have received no information on its progress and its conclusion. Through multiple phone calls to customer service, this case had been escalated various times. But this does not seem to have any effect. 

Based on a recent class action lawsuit settlement, PayPal is required to provide the reasons for freezing an account. We have received none. In the call to customer service on XXXX, a ticket is filed to request that. 

As a long time customer, our ability to conduct normal operation has been severely affected by PayPal action to freeze the account for almost three months, even after all the requested information has been provided. This kind of assets seizing without court order is problematic in legal and business sense. It is unimaginable for a regular bank doing so without facing consequence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a problem with Bank of America they closed my account because I had a few over drafts on my account but all was paid even after they closed the account now I cant get an account no where else because they have me down a I owe them money but the money was paid I even called and talk to a lady and she didnt see nothing there that say I didnt pay but when I go and try to open an account some where they say that I owe another bank and thats the only bank that I had

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 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
From XXXX XXXX XXXX, my paychecks were garnished for a tax debt owed to the City of XXXX, OH. The amount garnished was a little over {$3000.00}, and the debt was paid in full. The garnishment was initiated and collected by Weltman, Weinberg & Reis Co ( WWR ). 

WWR is now attempting to again garnish my paychecks for the same debt, in the amount of {$770.00}. 

This debt was paid in full and this second garnishment attempt is a clear violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus has an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. 
However they ask for insurance once a year, and after receiving the insurance policy as proof, they still continue to send letters asking for the same info. 
After the 2nd letter they start charging you for their insurance. 
This insurance company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
If you call you are sent to a call center, and are told they have no knowledge of your account. 
We regret purchasing a loan from XXXX XXXX XXXX who sold it to XXXX, who sold it to Seterus, which is actually a collection agency. 
Our loan number is XXXX. 
Thank You XXXX 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 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
I have sent a couple of complaints and they appear to get closed as soon as 21ST Mort. answers. 

There are still issues with my account, although instead of me carrying this out forever on XXXX XXXX XXXX I sent an email to their attorney 's office requesting information on a hardship package and or information on what they offer since they state I am a payment behind and I feel that I am not and there is no way for me to make two payments in a month.
They also state the account is not on escrow at the moment, and I was credited for {$35.00} for when they did do the escrow. ( I do n't have escrow account ) but it was done more than 5 payments. 

I had n't heard any response on the XXXX XXXX email so I sent a follow up on XXXX XXXX XXXX and still have n't heard a response. 

Apparently in researching them on line I am not the only person with these issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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:
From " mid-XXXX through XXXX '' Equifax allowed a data breach of customers ' data including my own. Then Equifax XXXX about this fact by not disclosing it to anyone for over a month. Several of their upper level managers sold stock prior to the breach becoming public, possibly with inside information to take advantage of higher prices before the announcement. Once the data breach was revealed Equifax directed customers to the wrong website for help. They also did n't actually inform anyone that their data may have been compromised. They forced me, their customer ( not a customer by choice ) to take time out of my day to contact them and check to see if I was involved with the problem. Even upon doing this they could not say with certainty that I was involved, only that I " may have been impacted ''. Then to protect myself Equifax tried to get me to enroll in a credit monitoring service that would start free but would eventually become a service I would have to pay for. Why would I want to pay them to protect my credit when they could n't protect my data to begin with? What a colossal joke. But no one 's laughing except Equifax because I 'm now forced to continue to take time from my life for years to come to deal with this problem. And I do n't even have the option to NOT be a customer of Equifax anymore. How nice that must be to make lots of money off your customers, make them fix the problems that you cause, and then force them to remain your customer despite this ridiculous business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I was charged interest of {$8.00} because I entered the wrong amount when paying by bill. On a {$1400.00} balance I was short {$2.00}, but I was charged interest on the whole balance of XXXX. Thats a .14 % short, yet I was charged interest on 99.86 % the money that they were already paid. If its such a big deal that they have to charge me interest on that, then they should have contacted me saying the need the {$2.00} more. I contacted them and they said they would credit me, but there is no credit to my account. Two different people said I would be credited back, but its still not showing back on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Financial Services
State: IL

Complaint narrative:
I had worked for CFS for the past 3 years. Till my manager decided to quit in XXXX XXXX. That is when the new manager took over the office on XXXX right by XXXX XXXX. Not only was she extremely rude to her customers but to her employees as well including myself. She will pick on numerous employees on a daily basis no reason. Many employees brought it up to the attention of the CEO and the CEO failed to do anything to help us. Majority if the staff ended up quitting due to how unprofessional the new manager was. Once I quit I thought the harassment would stop and it did till XXXX XXXX I received an alert that CFS had ran my credit without authorization. I contacted my account holder and let her know I was going to email the CEO. I  then called back to set up a payment arrangement plan and was transferred to the manager and was told quote " Im sorry your  XXXX can NOT pay for your bills but I will get my money back '' and then contacted the CEO he apologized for the managers language and stated he was going to look into my account and set up a payment arrangement plan. I was later on that week informed by my account holder that the CEO did not want to work anything with me. I informed my account holder my situation and let her know I could pay XXXX by XXXX/XXXX/XXXX I never received a reply back so I assumed we had made an arrangement. I then on XXXX XXXX found a letter on my car from CFS in writing stating " WE KNOW WHERE YOUR CAR IS AT. WE ARE GLAD TO MAKE ARRAGMENTS WITH YOU PLEASE CONTACT CFS AT ( XXXX ) XXXX XXXX '' There was no letter head from the company just a ripped of sheet of paper. This company has been harassing me all month even after trying to set up a payment arrangement plan with them or return my car voluntary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: LA

Complaint narrative:
Portfolio Recovery Associates keeps harassing me with phone calls stating that I owe them {$4600.00} from 2 XXXX XXXX XXXX credit cards I opened in 2013. I was a XXXX XXXX then and I only have had 1 credit card throughout my XXXX years of living and that was a XXXX XXXX XXXX XXXX XXXX card with a credit limit of {$300.00}. Portfolio Recovery has 2 collections accounts on my credit report : one with a balance of {$2200.00} and another with a balance of {$2300.00}. I only had a {$300.00} dollar  credit limit so how could this be? The information that they have is inaccurate. I 've called them on several occasions disputing the inaccurate information but they refuse to remove both collections accounts from my credit report I even asked them to only charge me for the {$300.00} that I actually owe and they still will not do anything. They have sent me settlement letters but I refuse to pay debt that is simply not mine. The statue of limitations for unpaid credit card debt in the State of Louisiana where I live is 3 years. So even if the debt was mine, I still would n't be responsible for paying it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I was not aware that my insurance was canceled with out notification and i went to the doctor to do my anually free check out and they bill me even after i make the arraingment with them and they send me to collection.

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 2017-10-02 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: GRANITE STATE MANAGEMENT & RESOURCES
State: VA

Complaint narrative:
I HAVE DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM GRANITE STATE MANAGEMENT THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED GRANITE STATE MANAGEMENT ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX  CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM GRANITE STATE MANAGEMENT REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO GRANITE STATE MANAGEMENT IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT

Company response to consumer: Closed with explanation