vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
The issue at hand has to do with an account established for me by the XXXX of Pennsylvania for the purpose of depositing my Pandemic Unemployment Benefits. On XX/XX/XXXX and XXXX of last year, my account was hacked and either {$2000.00} or {$4000.00} was stolen. I am uncertain of the amount because the monthly statements are confusing at best. A copy of my XXXX statement is attached. To their credit, the bank ( U.S. Bank ) discovered the breach and immediately froze the account, terminated my card and sent me a new one. In spite of that, it took weeks, and hours on the phone, to restore access to the account, but that's not the root of the problem. I recieved a resolution letter from the bank dated XX/XX/2020, a copy of which is also attached. It provides no information regarding the amount stolen, says that they concluded that they did nothing in error so no funds would be credited to the account. It also clearly states in the third paragraph that they will provide the documents used in their determination if I request them. Of course I want those documents so we can document the loss and the amount of the loss on our tax return in an effort to not pay income tax on money lost due to theft. I have made repeated calls to U.S. Bank 's fraud department and have been told on three occasions that they would send the documents, but none have been forthcoming. Each time, the person I spoke to said that they had no idea what I was talking about, but when I convinced them to read the letter, they promise to send the documents. At this point, I must confess, their unwillingness to send this documentation has made me suspicious. I'm wondering if any investigation actually took place or if they just decided that they would rather have me take the loss than them. It's also odd that if I withdraw more than {$1000.00} in a 24 hour period I am to pay a fee, but no fee was charged for these {$2000.00} withdrawals. XXXX 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 monetary relief
Consumer complaint received 2021-03-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: GA

Complaint narrative:
My finances were severely effected by the COVID- 19 pandemic. I was furloughed from my job and went on unemployment. However, due to a large amount of fraudulent cases hitting the unemployment system, my payments were placed on hold for months until the Department of Unemployment could get to my case and verify my identity. This left me with no type of income for 16 weeks. 

I applied and did receive a COVID forbearance. However, the company only offered a 30 day forbearance. After 30 days, I was still unable to make a payment because I still did not have any income. 

XXXX XXXX reported my account 60 days late to the credit bureau. This dropped my score 89 points. On XX/XX/XXXX, I made a payment of {$160.00} to bring my account current. I then reached out to the company to see if the late payment could be removed from my credit as a one-time courtesy since I've never been late on a payment and the reasons that I was late was beyond my control. I was told that I would have to write a letter to the dispute department which I did on XX/XX/XXXX. 

On XX/XX/XXXX, I called to follow-up on the letter. I was never given an option to speak with anyone directly in the dispute department. I was then told that I would have to dispute it directly with the credit bureaus. 

On XX/XX/XXXX I opened a dispute with XXXX. XXXX XXXX replied back to the dispute stating that everything is correct. My problem is that I'm not disputing whether its right or not but I am unable to effectively communicate that via the online dispute portal and I can not directly get in contact with anyone in XXXX XXXX 's dispute department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: DISCOVER BANK
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DISCOVERBANK XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) 1XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX  XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-10 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:
I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX 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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
This company has called me 8 time from XX/XX/2021 to XX/XX/2021. On XX/XX/XXXX @ XXXX XXXX  central I told them to stop calling me. They are trying to " repair '' my credit score ( its XXXX ). I have managed my own credit for the past 16 years I dont need or want their help. 

I have even gone as far as changing my voicemail to something extremely long saying how I made it so long to reduce the number of spam calls I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Beginning on or about XX/XX/2020 XXXX XXXX began a relationship with XXXX XXXX XXXX. It would soon be discovered this was a relationship entered into for the sole purpose of stealing almost {>= $1,000,000} from XXXX XXXX. As you are aware, the elite XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department is currently investigating this matter in particular and investigating the larger fraud enterprise. We have included a preliminary police report for your review. Additionally, the matter has been referred to the Department of Justice given there are two corporations which were used to further the fraud scheme. And Lastly, the matter has been reported to the Internal Revenue Service for investigation of tax evasion by XXXX XXXX. 
A check for {$420000.00} was made out to OUR MUSIC FOR YOU. This check was also written as a loan to be paid back with money held in XXXX. Despite XXXX XXXX wanting to make the check out to XXXX personally, he had her make the check to OUR MUSIC FOR YOU. We can provide a copy of the check, front and back. Review of the corporate documents shows similar addresses and names to the above referenced corporation. As noted, this check was made out to OUR MUSIC FOR YOU which is a domestic nonprofit corporation organized under the laws of California. But despite the check clearly identifying the payee as a California corporation, a nonprofit, tax exempt entity which must operate under strict state and federal statutes and banking regulations, the check was improperly and illegally endorsed by an individual without indication of whether the endorsement was on behalf of the tax-exempt corporation and endorsed by someone with authority to endorse the rather large check. In point of fact, the check was endorsed with a mere illegible scribble which could have been made by anyone. 
Notwithstanding the check was obtained through fraudulent means, the check as written was endorsed by someone not connected and/or authorized by the corporation and as such, is forged and fraudulent. As a result, the monies are to be returned to the payor as the individual endorsing the check misappropriated the funds for his own personal benefit. 
Also to add XXXX XXXX XXXX altered the cashier check by writing DONATION on the front of the check. 

Chase Bank acknowledge that the cashier check for {$420000.00} was fraudulent cashed, also chase accepted my claim and that XXXX XXXX Bank was responsible for repayment, however six moths passed by and the back rejected my claim with not letter of explanation, and close my main account that I need to provide copies of the statements to the police and also need my bank account history information for many purposes regarding my finances

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have to duplicate collections on my account that are incorrect they are the same amount and same companies I would like this duplicate collection taken off I have called the company they said once they report a account they can not take it off can you please help me remove these inaccurate information Here are the names XXXX XXXX XXXX, ORIGANAL COMPANIE. 
11 XXXX XXXX BALANCE OF {$710.00} I C SYSTEM, ORIGANAL COMPANIE. 11 XXXX BALANCE OF {$710.00} the remarks also state Affected by natural disaster this is completely incorrect

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: PA

Complaint narrative:
XX/XX/2020 Inquiry on report Title 15 1681b Did Not have my permission.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: KS

Complaint narrative:
I keep getting harassing phone calls at work and home after asking them to stop the calls. They have threatened me, my job, impersonated attorneys, judges and law enforcement officers. They are rude and never even identify themselves as debt collectors. I want the harassment to stop immediately. I told them to leave me alone and remove it from my credit report since the information is not accurate. They laughed and told me to go " XXXX my mother in the XXXX with no XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have been submitting claims, complaints and cases through the Coinbase website and have only gotten automated responses, and then no responses at all. I originally purchased {$1500.00} worth of XXXX currency in XXXX on the Coinbase platform. I purchased XXXX, XXXX and XXXX. In XX/XX/XXXX, I noticed all of my funds were taken from my account. There are no transactions showing the money being withdrawn from my account, nor did I sell any of those positions or take money from any of the investments. I am not getting any response when submitting claims. Please help, I am seeking whatever legal recourses needed at this point. I have multiple case numbers and a complaint number. Here is the case number I tried re opening XXXX and complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: DISCOVER BANK
State: NC

Complaint narrative:
A couple of years ago, I had a catastrophic event that prevented me from paying my Discover card bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that Discover reported me as deceased. I have tried to contact Discover to correct the issue, and I have reported the error to XXXX  and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XXXX of XXXX XXXX XXXX charged off an account for a second mortgage that I quit paying on in XXXX. The account remained on my credit report for 7.5 years at which point it dropped off per the statute of limitations. However, in XXXX of XXXX the account reappeared on my credit report for no reason. Despite my efforts to contact XXXX XXXX, they have failed to respond or correct their error.

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 2021-03-10 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-03-10 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal decided they wanted to discontinue doing business with me however they refuse to refund the balance in my account. Its been almost 3 months and they are still holding my funds. I dont have any outstanding balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: CORELOGIC INC
State: IL

Complaint narrative:
Since in the previous responses ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. 
There are unknown hard inquiries on my credit reports. I requested for the verification of the inquiries and the method of verification. These inqueries belong to the TELETRACK, XX/XX/2020, XX/XX/2020. For the first time no response came in 15 days. The company did not provide the following proof : Permissible Purpose, My written authorization, Proof that I personally initiated these inquiry.

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