vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EOS Holdings, Inc.
State: ME

Complaint narrative:
Eos cca is the company originally XXXX they broke there own contract they wouldnt fix the dish didnt have I XXXX I mean not any services at all, I then canceled service because they refused to fix it then they sent out the wrong boxes after I called them to send out the new boxes they told me to keep them horrible customer service then proceeded charge for the contract they broke not me because refused to fix services and Satellite boxes they were refused to ship out the right boxes they ship smaller boxes on purpose then charge me instead of shipping which is felonious contact me further information XXXX sincerely XXXX XXXX XXXX XXXX ps because of the harassment I would like to sue this company for false/Inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
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 explanation
Consumer complaint received 2021-03-27 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: Self Financial Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/21 I called bofa about charges placed on my card that I wasn't aware of. They refunded my money of {$82.00} and then they suggested I get a replacement card, so I agreed. On XX/XX/21 I still have not received my replacement card and when I called they ordered me a new XXXX and said the first XXXX was lost somewhere but the new XXXX will be sent with expedited shipping. On XX/XX/21 I called once again because my card had not arrived. The gentleman i spoke with asked me if I had another address i could ship my card to and I told him no. He then suggested I get a p.o box or have the card sent through standard delivery in hopes for a better chance to get to me. Really?! He then told me that the card was sent to the address on file but the delivery service was having trouble getting me the card yet no attempts were logged in the system with bofa. I asked to talk to a supervisor in which XXXX spoke to me and he then stated that no card was ever sent out!! He asked me if I wanted a XXXX time transfer of my own money with XXXX XXXX. I agreed and then was on hold for XXXX hour until the XXXX XXXX supervisor spoke with me. She told me that my transfer would be ready for pickup within XXXX business hours and if not then the following day. She said i would receive a phone call with a XXXX number or from a restricted line with my confirmation number and that they would only call once and if I missed it I would have to call bofa back. OnXXXX XXXX I called bofa back because I never received the XXXX XXXX phone call with my confirmation number. Its now XXXX and this is my XXXX attempt to talk to someone I've been on hold for XXXX min this time the previous times were XXXX hour each time before I hung up. I've never had a problem receiving any mail service or shipping to my single family home in a nice neighborhood. I'm frustrated and i want my card or my money I'm behind now on my car insurance and my kids are going back to school on XX/XX/21 so its very important i need my money!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Gemini Trust Company , LLC has fraudulently stolen assets from me through their cryptocurrency exchange - it has been almost half a year and the company has yet to " verify my identity '', this lack of " verification '' prevents me from withdrawing and or selling any of my assets. I have sent them the required documents in order to be verified - I have contacted them several times but fail to receive any clarification as to my verification status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: SC

Complaint narrative:
I have received text messages past XXXX pm, which is unreasonable. I have unfortunately deleted most grievances regarding phone calls but I have asked them to stop calling my parents, and they have promised they would stop, only to continue, as well as calling me upwards of 5 times a day. I have spoken to them regarding the debt and asked them kindly to email me and stop harassing me but they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: ID

Complaint narrative:
In XXXX of XXXX XXXX mistakenly used my discover card on file. The discover card on file with them expired in XXXX so it makes no sense that they charged it or how they even did since it was expired. Since I paid my discover card off and haven't used it in years I never knew to check the account and even had my old checking account setup for auto-pay. I closed that checking account a couple years ago so when they charged the closed account it was rejected which caused more charges. I disputed the charges with discover and they agreed to refund the charges and fees associated with it but for some reason refuse to remove the delinquency on my credit score. I only learned of the delinquency when I tried to refinance my house and discovered my credit score took a dive. I have talked with many people at discover card but they keep blaming me for not opening mail and emails from a credit card company that I haven't used in years and had no reason to think I had any problems with. I don't understand how they can agree to give me back the money for the charges but then still refuse to remove the delinquency problems that arose from the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This phony bill collector does not have a claim against me I DO not know why they keep calling me ... ..I filed a chapter XXXX in XXXX and XXXX ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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: CA

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$3300.00} {$3300.00} This account does not belong to me, this is an error, I have never had a XXXX account. This was already removed on XXXX and 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 2021-03-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: PA

Complaint narrative:
Transunion has wrongfully furnished information on my account. i called several times and they denied my right as a consumer to dispute this fraud on my account. This is ruining my credit reputation. this is a violation of my consumer rights under 15 usc 1692f. This insane. i woke up and saw 3 random inquires on my report XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023

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 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a Chase customer for almost 10 years. They never qualified me for loan modification. 
They always wasted my time to submit my loan modification documents but they never approved for no valid reason. luckily my loan was transferred with all the problems that I had all the incorrect information they were always posting on my account. This month I opened a Chase prepaid debit card and I was going to use it for direct deposit and my daily transaction. 
again I received a letter from Chase for no valid reason they are going to close my prepaid card. In the past they have also closed my prepaid cards without any notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch
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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
Received letter from collection company in XXXX, MA for a debt to original creditor liberty mutual for the sum of XXXX wrote cease and decide letter still getting correspondences.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: AL

Complaint narrative:
World finance co # XXXX XXXX XXXX XXXX XXXX, SC XXXX. 
To whom it may concern this company has filed a collection on my credit report for an inaccurate amount. This company has also placed numerous negative marks on my credit report. An hopes to resolve this issue I dispute the collection due to amount inaccurate an asked to be provided something in writing explaining and showing proof of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

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 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I paid my bill and requested cancellation of service in XXXX of 2020. Somehow the Company was still charging my account. I had no knowledge because I wasnt watching television to keep track of how long it had been happening. In XX/XX/2020 I returned all equipment to the company that wouldve been a fee if it wasnt returned. The delay was due to a busy schedule. But all of the equipment was returned. Im not sure why the Company wishes to go against the dispute but I refuse to allow them to force me to pay by messing with my credit for debt thats not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
HireRight is the company entrusted by XXXX XXXX to conduct background checks on their candidates. I filled out the paperwork and turned it in on XXXX. On the same date HireRight completed the whole report. I was not notified of any problem until XXXX when XXXX XXXX sent me an email notifying my something was not checking out in the report and this could mean an end to my offer of employment. Alongside XXXX XXXX email in the attachments was a specific report on the education section. The HireRight report had the incorrect institution name and address as " verified information ''. I provided the correct information to XXXX XXXX but I guess that never made it to HireRight as they " continued '' the background check. On XXXX I was notified by XXXX XXXX that they had reconsidered adversely my offer of employment in whole or in part because .of information on the HireRight report. On XXXX was the first time I was able to see the full report and read the full content ( Other than having the wrong information on the institution, they also claim the school was not accredited or valid ). On XXXX I contacted HireRight to start a dispute, they had never received the corrections I had provided XXXX XXXX and so I proceeded to give them the correct information over the phone. The day after I also sent them supporting documents such as diploma and transcripts XXXX ( friday ). On XXXX, they claimed they were done with the investigation on the dispute and still held that the school is not valid, They also claim what because the school is not " valid '' they will not contact to verify if I attended or not ( which is contradictory to the notes they made on my report on XXXX where they state, they sent a fax to the school ). When I called that week they told me that although the investigation was done, that a performance review of the investigation was still not completed. The following week they said the report was done, and just reiterated the school was not accredited by their standards and that's it. But my report was never updated, still to this date the information on there is from XXXX with erroneous information on my name during school years, school name, address, accreditation information, claims that the school is not listed with the Florida department of education ( which it is ) etc. If the school is indeed no good, I would like the report to indicate the correct information so that I may bring it up with the school, but to these inefficiencies I question if HireRight really do its due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ordered software XX/XX/XXXX Scheduled delivery XX/XX/XXXX, not needed too late and refused it. 

I chatted with XXXX many times and left message with 3rd party supplier # XXXX letter rebilled {$29.00} because info not supplied. Whay info? 
I explained dispute in my complaint to cfpb XXXX and XXXX I did not get or take possession of merchandise Please re credit {$29.00} and send me response from XXXX when received. 
Does your policy still stand if not heard from XXXX in 90 days then credit is permanent? 

If I see response, I can then see if security guard signed for package. 
All deliveries must go thru condo security card and then we notified I have not received any notification at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Oklahoma Student Loan Authority
State: WI

Complaint narrative:
I have disputed this collection numerous of times they have yet to produce any of the information that I ask requestion through the 3 credit bureaus they always say updated information but it never confirms the accuracy of this charge no documentation has ever been giving to me or anything Im just being billed I dont even know the terms because I havent been giving any please remove this from my report it shows multiple inconsistencies certain dates say paid on one report than on another it says late this is in violation of my fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This credit card closed my account without any consistent reasons, a lot of my auto-payments got delayed and some even charged me a late fee. I called for an explanation and for my surprise, customer service informed that they can not disclose any information and there is nothing they can do, really?? On XX/XX/XXXX, I received a letter informing that the account was closed because I am a high risk for the credit card company. 
I never had a late payment in my life, always paying on time and in full all my bills. In fact, they were paying me a lot of cash back money and I am truly believe that this is the real reason that they closed this account. 
During an audit for my taxes, recently I noticed that on my last statement, I spent {$8300.00} and this amount, as usual, was paid in full and on time HOWEVER when I checked my reward summary for the same statement, there was {$0.00} ( XXXX ) cash back earned for this period. 
I just spoke to customer service, by the way terrible, and they informed that because the account is closed I can not earn any cash back. This is ridiculous and does not make any sense because I didn't request to close the account. 
At this point I feel that I've been stolen and there is XXXX respect and consideration by 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 explanation