vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Jon Barry & Associates , Inc DBA Paragon Revenue Group are debt collectors attempting to collect a debt on behalf of XXXX XXXX I have not received from them. I am not a party to their agreement with XXXX XXXX XXXX and I have not agreed to pay anything to Jon Barry & Associates , Inc DBA Paragon Revenue Group. I have no idea how Jon Barry & Associates, Inc DBA Paragon Revenue Group received my private medical information. Jon Barry & Associates , Inc DBA Paragon Revenue Group have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Jon Barry & Associates , Inc DBA Paragon Revenue Group continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TX

Complaint narrative:
I disputed a predatory collection to Experian advising that the item on my credit was an error. Experian has not removed this as they are only confirming if the info belongs to myself. The item itself was planed on my credit report as fraud. I have tried to work with both Experian and XXXX XXXX XXXX XXXX XXXX XXXX but no one is looking into see if this is a valid collection attempt. - The apartment in question flooded and was unlivable after the lease was completed and went to a month to month. They were alerted we had to move and stated that was ok. Now they placed a charge on my credit fraudulently.

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 2021-10-26 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries or accounts. This is a violation of 15 USC 1681b ( a ) ( 4 ) right to privacy and 15USC 1681b ( f ) reporting inquires without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove these following items immediately : XXXX XXXX - {$1000.00} - XX/XX/XXXX, XXXX XXXX  XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello I XXXX XXXX have been dealing with a dispute at fifth third bank of $ XXXX. They closed my account and made it $ XXXX making my bank credit look bad. They told me I dont owe that but if its negative it reflects different

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have a mortgage through Chase. I am not late on this account and never have been. Loan origination date is XX/XX/XXXX. I filed bankruptcy a few years ago and it was discharged in XX/XX/XXXX. 

When the bankruptcy was discharged, Chase stopped reporting my payments on the mortgage to the credit bureaus and has set the status of the mortgage account to closed. Consequently, I am not getting 'credited ' on XXXX XXXX score because this account shows as closed rather than being open, current, and never late. 

I've tried to get Chase to report this mortgage to the credit bureaus and they have refused. I've asked several times, written them three times, my bankruptcy attorney provided documentation to Chase about the discharge and yet, Chase continues to refuse to report this activity. 

This is creating obvious issues with XXXX  scores as well as ongoing finance health. 

I've attached copies of the discharge from XX/XX/XXXX and the latest mortgage loan statement. 

Can something be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: LA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-10-26 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: LA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Payactiv, Inc.
State: NV

Complaint narrative:
I used the company Payactiv 's services offered through my employer during a duration of 3 payperiods. 
payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$13.00} includes {$1.00} fee Deductioned from paycheck {$14.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$200.00} includes {$3.00} fees Deducted {$140.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$160.00} includes {$4.00} fee Deducted {$340.00} YTD total {$480.00} Took 90 % of my paycheck Requested an itemized list or statement of transactions and any applicable fees and company refused to send a hard copy only offered to verbally give it to me. They did send me a statement from their card the pay advances get deposited to ( see attached ) but the math doesn't make sense and the company won't provide me transaction statement on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA falsified documents in order to get me to pay an amount of their indebtedness to the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 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: TX

Complaint narrative:
THIS COMPLAINT IS NOT CLOSED! CALL ME NOW! Per your document it shows the credit was REMOVED ON XX/XX/XXXX! 

Whoever responded is obviously an XXXX. 

The credit has been taken off my account and I will not settle this dispute until its fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: FL

Complaint narrative:
I was checking my credit report and i was shocked. I don't know why you put this information to my account. I believe someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section

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 2021-10-26 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: CA

Complaint narrative:
Dispute of many transactions Wells Fargo Bank visa Debit card. 
Transactions disputed where denied by bank within 4 hours of claim with zero clarifications on why. Only statement was there was not enough information to justify claim of fraud. 
Wells Fargo Bank Claim Number XXXX There was additional claims added that I did not request by the claims department. 
Previous claims 5 days prior were finalized and deemed company error yet once additional claims where added those additional claims denied. 
0 % fraud liability and denied? Clearly these charges are fraudulent and I demand restitution or will seek legal council.

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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
At the beginning of the week of XX/XX/XXXX I brought a {$9200.00} cashier 's check from XXXX XXXX  issued on XX/XX/XXXX with the words " void after 7 years '' printed to the right of the issue date. 

I brought it to the TD Bank in XXXX, Maine where I have an account. I gave the cashier 's check, which is valid until XX/XX/XXXX, to the teller, and the teller gave me {$9200.00} in cash. On XX/XX/XXXX I checked my account balance and discovered that my account was showing a negative balance of more than {$7000.00}. Why? Because TD Bank had deducted the {$9200.00} from my checking account and charged me more than {$80.00} in associated fees. 

When I contacted TD Bank about this, they told me that their check cashing department had returned the check for a " stale date '' because they don't accept any checks that are older than 6 months. This is despite the fact that 1 ) a teller had INDEED accepted and cashed the check 2 ) cashier 's checks are prepaid monetary instruments unlike personal checks which are a guarantee to pay 3 ) the check was still valid.

I discussed those three points with the TD Bank local branch manager, and asked what TD Bank would do if someone who didn't have an account at their bank cashed a cashier 's or traveler 's check that was more than 6 months old. Her response was that 1 ) they won't cash either cashier 's or traveler 's checks for people who do not have accounts at their bank because " all checks are the same '' 2 ) regardless of the expiration date on a check, they will return all checks more than 6 months old. 

I asked what I was supposed to do, and she said to call XXXX XXXX. After more than 90 min on hold waiting for a supervisor at XXXX  ( no one at the first level was able to help ), I was told by XXXX  XXXX  that I should call TD Bank. I called the local TD Bank back and told the manager that XXXX  XXXX  said it was a TD Bank issue. She then said that, regardless, there's nothing they can do.

When I asked the manager what I'm supposed to do now that I had neither $ XXXX fees in cash nor my perfectly valid cashier 's check, she said that I would be receiving an identical and legal reissued copy of the cashier 's check in the mail. I asked her if I could then bring that one in for cashing and she said I could not because it would have the same date as the original. I asked what I was supposed to do with it then, and she said " bring it to a XXXX branch. '' ( The nearest XXXX XXXX  is almost TWO HOURS from here. ) As it stands I'm without my cashier 's check, without the {$9200.00} that my daughter paid for the check, and without the fees incurred as a result of TD Bank cashing my valid check and then refusing to process it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
i filed a dispute towards the incorrect information on my credit report & it has been well over 30 days. I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Wired {$170000.00} to XXXX XXXX also known as XXXX XXXX on XX/XX/XXXX at my XXXX Bank at XXXX. XXXX XXXX was supposed to deliver me Signed contract upon receipt of my proof of money being deposited into his account. Previously we had an agreement through via email that he was going to send me his sign portion of the contract when money is deposited. When that was completed I contacted XXXX to confirm if he received wire and he said yes. Later on that evening I received a call from another promoter name XXXX XXXX that he had already had a signed Contract agreement with XXXX XXXX for that same date I agreed with XXXX. 
XXXX sent me documentation proving to me that he wired money to XXXX just like I did and he showed me his signed contract he had with him that was signed on XX/XX/XXXX from him and XXXX. I immediately called XXXX about this wrongful crime he committed and requested for XXXX XXXX to refund me back my {$170000.00}. He promised me he would and needed more time. I was Believing his lies at the time till this point when I said enough is enough. I have been more than reasonable to him.. it is not that hard to refund me back my money. 
The purpose of this wire was to book his XXXX XXXX XXXX ( stage name ) for XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX real Name is XXXX XXXX XXXX 
XXXX claims the reason for his delay to give me back my money is because of his XXXXXXXX XXXX XXXXXXXX didnt want to return it back to me. Also he mentioned that it would damage his business and relationship with XXXX which I believe was another lie to keep my money and to stall time. The next lie XXXX told me was that he was in XXXX and was receiving a XXXX XXXX dollar transaction from someone and would pay me back out of that.. according to Artie.. due to the server it wasnt allowing him to wire me the money so he needed a few days to wire me back my money, my attorney is my witness he stated that because he was on the phone with me. At this point he has forced me to report this crime because I have ran out of patience and option to try to rectify this situation with XXXX XXXX. XXXX XXXX has illegally obtain money from me by deception. He knew what he was doing this entire time and I believe XXXX XXXX knew it as well. I have lost more than {$170000.00} now.. my time, attorney fees and etc. I would like to pursue Federal legal actions against him for my lost wages and damages he has caused me personally and to my business. 

Drop box link eith XXXX & XXXX messaging each other. XXXX kept lying about returning my money back. now he is not responding nor is his bank.. JP Morgan helping me with this issue : copy or paste in web browser or click link below to view XXXX XXXX XXXXXXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My dispute process began in XX/XX/2021. Upon reviewing my credit report I found a tremendous amount of errors. I immediately gathered all of my credit reports from Transunion, XXXX, and XXXX. None of the accounts had consistent information such as personal information, date of last activity, and reporting payment history after the accounts were charged off. I did not want to appear frivolous, so I tackled a few at a time however ; with such hard time they were giving me, I could not handle the rest of the errors. 
My accounts has been under investigation now for 60 days.

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 2021-10-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent in a letter to Experian about an account that is inaccurate on my report and they fail to remove this account off my credit report. This has hurt my ability to obtain credit and honestly had delayed me in so many different ways. XXXX and XXXX removed the same account off my report but Experian is stating that they are verifying it some how, which is inaccurate because they never sent me any proof of anything bearing my obligation or consent that i own that account. Which i am the only one who can verify if the debt is valid or not. They are breaking the law and i want to exercise my consumer rights.

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 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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:
I'VE BEEN DEALING WITH SOME ISSUES REGARDING MY PERSONAL CREDIT REPORT FOR SEVERAL MONTHS AND I'M NOT GETTING MUCH HELP FROM THE CREDIT BUREAUS.

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 2021-10-26 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: PA

Complaint narrative:
I'VE BEEN DEALING WITH SOME ISSUES REGARDING MY PERSONAL CREDIT REPORT FOR SEVERAL MONTHS AND I'M NOT GETTING MUCH HELP FROM THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation