vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have not had access to my unemployment benefits at all since I started receiving weekly benefits seven weeks ago. My benefits were issued to an old card that was expired and I also no longer had access to either. I have called US Bank Reliacard numerous times over the past seven weeks, each time remaining on hold for a minimum of six hours and twenty minutes. I have been told that they are unable to send me a replacement card because my address in their system is still my old address from 2016. They have told me that they can not update my address and only Louisiana Workforce Commission can update it. However, my address is correct in the Louisiana Workforce system already and has been since I filed my claim seven weeks ago. US Bank Reliacard has also told me that they can not transfer my balance that I have no access to onto another card or account that I do currently have access to as well.

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 2020-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17 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: United Consumer Finance, Inc.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: U.S. BANCORP
State: MA

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

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 2020-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I submitted a credit dispute to all 3 Credit Bureaus and the debt listesd on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/XXXX certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
SYNCB/Care Credit:XXXX Amount : {$800.00} XX/XX/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 2020-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I submitted a dispute the debt listed on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/XXXX certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
STATES RECOVERY SYSTEM/XXXX : XXXX Amount {$890.00} Fraudulent account and it isnt mine. 
Im a senior citizen an I have been living with my son since XXXX in his home. So how could i possible open an account for Utilities in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
DISCOVER BANK:XXXX Amount {$200.00} A fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: CA

Complaint narrative:
My student loans were consolidated in XXXX to XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act.  therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I have been disputing with XXXX, Equifax, and XXXX  since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: CA

Complaint narrative:
My student loans were consolidated in XXXX with XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act.  therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I also looked at the amount from each report and how much the loans have increased per month. It does not add up. Look at the account history on the Experian  page and you will see that between XX/XX/XXXX to XX/XX/XXXX, it increases from {$22000.00} to {$22000.00}. As you can see the other months, the amounts do not add up to the claimed percentage based on XXXX rate. I have been disputing with XXXX, XXXX, and Experian since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute 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 2020-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My Equifax Credit File is missing positive information about my credit history ( Credit Cards, Auto finance..etc ). This was happened on XX/XX/XXXX when i check Equifax Credit Bureau Report., my name shows old last name and all my positive accounts got deleted, account removed while back that came back, closed account on XXXX is reported as active and current employer removed..etc..The result, I dont have any credit history as per Equifax., ( i got denied for a credit card application on XX/XX/XXXX due to lack of credit history ) Equifax always making mistakes about credit file not reporting correct information., and i lost identity when Equifax had data breach incident happened. 
Equifax ruined my Credit, i send copy of my Social Security Card, Drivers License and address proof numerous times to them to correct my personal information but they never corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: GA

Complaint narrative:
Experian inaccurately reported on public record a civil judgment during time period the judgment was dismissed, XX/XX/XXXX to the end of the mediation program timeframe, XX/XX/XXXX. Experian failed to provide consumer history of credit report disclosures during the time period XX/XX/XXXX to the end of the mediation program timeframe XX/XX/XXXX knowingly would show that the ( CRA ) violated consumers substantive right to privacy. [ Boyd v. United States ( 1886 ) ]. Mr. XXXX XXXX Senior Vice President & General Counsel Experian on formal notice of the Mixing of Files and Information Shared to date, cause I.D . Theft/Fraud. OnXX/XX/XXXXconsumer received e-mail Experian General Counsel ; acknowledgement of my complaint of identity theft/fraud. ( " CRA '' ) admonition of data breach/cyber security attack has been documented.Experian 's defective disclosures resulted from failure to fulfilled statutory obligations ; constituted a reckless ; willful and wanton conduct that violated Fair Credit Reporting Act ( FCRA ), Section 1681g. Experian is liable under 5 U.S.C. 1681.

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 2020-05-17 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: GA

Complaint narrative:
Experian  inaccurately reported on public record a civil judgment during time period the judgment was dismissed, XX/XX/XXXX to the end of the mediation program timeframe, XX/XX/XXXX. Experian  failed to provide consumer history of credit report disclosures during the time period XX/XX/XXXX to the end of the mediation program timeframe XX/XX/XXXX knowingly would show that the ( CRA ) violated consumers substantive right to privacy. [ Boyd v. United States ( XXXX ) ]. Mr. XXXX XXXX Senior Vice President & General Counsel Experian on formal notice of the Mixing of Files and Information Shared to date, cause I.D . Theft/Fraud. On XXXX XXXX, XXXX consumer received e-mail Experian  General Counsel ;  acknowledgement of my complaint of identity theft/fraud. ( " CRA '' ) admonition of data breach/cyber security attack has been documented.Experian 's defective disclosures resulted from failure to fulfilled statutory obligations ; constituted a reckless ; willful and wanton conduct that violated Fair Credit Reporting Act ( FCRA ), Section 1681g. Experian is liable under 5 U.S.C. 1681.

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 2020-05-17 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: CA

Complaint narrative:
On XX/XX/XXXX I recieved an email from my bank ( Chase ) saying that they were assisting me to access my whole stimulus check because my account was overdrawn {$410.00}. Which I never asked for, but I didn't know I had to pay them back within 30 days. So they " removed '' that money from my account on XX/XX/XXXX. I had a little under {$200.00} in my account on XX/XX/XXXX, and in the morning on XX/XX/XXXX my account was overdrawn by {$220.00}. I tried calling my bank, and the woman I spoke to said they couldn't help me, its a policy that they just do this. Even though I didn't ask for the assistance, and the woman also told me " you shouldn't have used the funds then ''. And didn't offer any other kind of help, when I went into the branch an hour later they basically told me the same thing. They couldn't help, it was something that they did. And that I could've done payment plans, but i was unaware of having to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: CA

Complaint narrative:
I have been disputing XXXX XXXX XXXX on my credit reports since XXXX. Each time I dispute them with XXXX, Equifax, and XXXX, they send me results that say verified. XXXX sent me results that said contact the company ( see dispute results ) and that has not done me any good in the past 2 years. As you can see that the date of status before and after says XX/XX/XXXX. In the account history on both accounts on XXXX. And under the comment section on XXXX, It shows that I have been disputing since XX/XX/XXXX. Nothing has been updated ever. Under both accounts, the Account History on XXXX, the DBR ( Date Payment received ), says XX/XX/XXXX At the bottom it shows the original amount as {$1200.00}, and the other account {$1000.00}. I have never received anything from this company before they reported this to my credit report. I don't even know the company XXXX XXXX. I have tried speaking with XXXX XXXX and they keep saying that the debt is mine and have not sent me paperwork on this debt that isn't mine. On my credit report from Equifax ( see attached ), they claim that I made payments to them on XX/XX/XXXX, in the amounts of {$120.00} and {$61.00}, and I have never sent them anything. If they reported the account in XX/XX/XXXX, how can they report a false payment on XX/XX/XXXX? Both account numbers are the same on Equifax, and it shows that I have payments of {$120.00} and {$61.00}. However, on XXXX in the account 's history, the SPA and AAP ( Scheduled payment amount and actual amount paid ) say no amount. The remarks say Placed for Collection but they are a collection agency. Payment status says in a collection as well. My XXXX is the same as well. ( see attached ) I also have attached my FICO credit report so you can see the accounts. They don't have any account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: NC

Complaint narrative:
My identity theft is registered with the FTC # XXXX. 
My ongoing dispute regarding Reported as # XXXX XXXX XXXX joint mortgage It was stated originally XX/XX/XXXX as XXXX XXXX XXXX FLORIDA AT {$950.00} PER MONTH on XX/XX/XXXX paid off XX/XX/XXXX and experian did the dispute investigation and experian changed it to report # XXXX joint mortgage XXXX XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. 
I finally have the evidence of my claims against XXXX  XXXX XXXX. 
The attached 2 letter from XXXX THRU THE CFPB ongoing complaints star officially as follows XXXX XXXX XXXX my complaint cfpb response to two people not just me addressed to XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX nc XXXX states yes there was a joint # XXXX mortgage XX/XX/XXXX paid off XX/XX/XXXX HERE IS THE FRAUD PROBLEM DONE on my US legal name XXXX XXXX XXXX REGULATORY commission celebs XXXX second letter of XXXX of my ongoing complaints states that there was a SEPERATE BANK NOTE ( not original mortgage ) for a XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. THIS IS A FORGERY AND FRAUD DONE ON MY US LEGAL NAME .AND that there were numerous other fraud loans for XXXX XXXX  forgeries in my name THAT WERE NOT MINE. My claims of the disputed # XXXX has been finally proven experian and XXXX and XXXX it was a XXXX for XXXX XXXX at approx {$680.00} per month XX/XX/XXXX paid off XX/XX/XXXX. Please investigate and correct My only loan XXXX and XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX nc XXXX was a XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX VA FOR APPROX XXXX XXXX as per. The attached good faith statements from XXXX  which shows fraud by someone else 's initials on another app of some kind and XXXX loan app XXXX. 
NOTE MY CLAIMS of THE ADDITIONAL fraud forged loans of XXXX XXXX each with my name attached will be discovered eventually with the Cfpb assistance # XXXX registered with MERS and a line of credit XXXX XXXX XXXX # XXXX on experian XX/XX/XXXX report. I request another reinvestigation due to new evidence and it is stated by XXXX themselves thru the 2 cfpb responses from my ongoing complaints regarding this situation.. finally in XXXX it is clear note I did not receive these XXXX letters until late XX/XX/XXXX and was stated by XXXX they were sent alit earlier ..I reported the us mail problem again at that time to the federal law enforcement usps online. I am requesting from XXXX THE SIGNATURES AND LOAN OFFICER AND LOCATION OF WHAT XXXX where the stated XXXX XXXX BANK NOTE WAS ISSUED

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 2020-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: TX

Complaint narrative:
I am being told that I owe money for a hospital visit in XXXX Alaska. The problem is that I was in XXXX at the time. They removed the collection once because I hired a law firm and then they added it back. I wasn't even in the country at the time this supposedly happened.

Company response to consumer: Closed with explanation