vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 I've been charged {$920.00} and {$1500.00}. XXXX, respectfully, for two separate orders placed on XXXX for an XXXX and an XXXX  watch. Both of the orders have been picked up by me at XXXX  Retail store. Hovewer, I've decided to return them due completely within XXXX  30 Days Return policy. Two XXXX  return shipping labels have been created by XXXX   XXXX  and XXXX, respectfully, which proves that both packages have successfully arrived to XXXX  Facility in PA. And even though, the refund has been promised, it wasn't honored by XXXX  , so I've ended up disputing a charge through Chase Visa Portal with assigned case number XXXX. However, the charge has been billed back to my account.

I'm submitting the supporting documents, which proves that I've fulfilled the return via XXXX  policy but still it wasn't honored so I'm requesting a full refund to my Visa XXXX  account {$920.00} and {$1500.00}. XXXX, respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: LA

Complaint narrative:
I've sent numerous complaints though CFPB and disputes letters regarding this situation and Experian has done little to nothing to resolve this matter. My first complaint to CFPB following date is XX/XX/2019 complaint number is XXXX and Experian responded back to this complaint that they will send me a copy of my credit report and for me to send in information to dispute this matter which I have already done more than four times. Then XX/XX/2019 I sent another complaint through CFPB the complaint number is XXXX and I was told the company needs authorization from me and no further details was listed. My complaint included three different companies reporting on my credit report fraudulently and all Experian responded back was company needed authorization no further details about which company needed authorization. I also sent disputes to Experian following dates areXX/XX/2019- XX/XX/2019- XX/XX/2019 - XX/XX/2019 - XX/XX/2019 and neither time Experian responded back to me and told me the company needed authorization in reply to the previous disputes ; neither is experian being clear about which company needed authorization. Why haven't I been told this information? Also this dispute has been well over 30 days. I've submitted a police report, driver license, bank statement, and a sign notarize affidavit to experian also.

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 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance continues to contact my personal phone and my work after being told I have no knowledge of this debt and to stop calling. A letter was also sent to them to cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I sent a letter to Experian requesting them to only report 1 address per FCRA 623, which I provided to them. Earlier in XXXX late XXXX my creditors updated my address to the 3 bureaus and both XXXX  and XXXX  added my new address. Experian continued reporting the wrong addresses which led to the letter which I will later attach. Experian has deliberately ignored my requests per their attached letter. FCRA 623 states that I have ONLY 1 address and 1 address should ONLY be showing and that its misleading, erroneous, and false to have multiple addresses. I also asked that they remove any employment as the one that's reported is erroneous. They are violating federal law! I will take further legal action in the form of filing a lawsuit if this is not resolved 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 non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I supplied a personal services to a person who used her debt card to pay for {$800.00} for an service agreement for room and boarding service in which I accepted her payment through " PayPal Here '' card reader for point of sale use ; the payment was accepted by PayPal Here at this time I believed all the funds were available for use at anytime. 

However, it wasn't until XX/XX/XXXX I received a notice regarding a 30 days hold was place on {$300.00} for the following reasons : ( 1 ) because the account was new ; ( 2 ) or because the company reserve the right to hold a portion of the funds for the first time which was been sent by PayPal to my email and after complaining to PayPal the email has been deleted from my received account. 

On XX/XX/XXXX at : XXXX at XXXX and spoke with XXXX ID # XXXX requesting PayPal to release the hold on funds, it was imperative to pay other bills and avoid 30 day lates attempting to plea with him to make an executive decision to remove the hold ; Here 's were I got the run-around with " the back office '' refused to release the hold and when I ask for the name of the back of person who he spoke too? and I was then told that " he could give out that information '' and he would not be able to release the hold on {$300.00} as requested. 

In addition to funds being placed on hold in which did not consent ; sign any agreement in XXXX when I open the account I did not consent to this form of usury. I did not select to have funds placed in a restricted account. 

Finally, I informed the agents of these facts and the recent changes and updated to place funds on hold did not apply to me ; and again requested the agents at PayPal to release the fund requested to speak with his supervisor who also refused to release the hold on the account and the call was mystically disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am a victim of identity theft, and have been fighting with CRAs trying to get fraudulent information removed from my credit report for many months now, most items of which have now been removed. However, I have informed LexisNexis many times of the issue, and have been ignored multiple times. I have mailed my documents in on XX/XX/19 ; XX/XX/19 ; and faxed them in on XX/XX/19 to no avial. Every time, I call the representative on the line informs me that there is no paperwork and nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a Business Checking account and Platinum Money Market account in branch at US Bank on XX/XX/XXXX, providing the promotional code XXXX at the time of account opening ( documentation of the original offer in full is attached below ). The banker made sure the promotional code was correctly entered. The promotion offered a {$400.00} bonus when the terms were met. The terms of the offer were : 1. open a Business Checking and Platinum Money Market account between XX/XX/XXXX and XX/XX/XXXX, and 2. Deposit {$5000.00} via ACH, Direct, Mobile,  or Wire deposit within 30 days. It was also suggested at the time of opening that the account fees would be waived for the first three months of service. As per the terms of the offer, I opened my account within the proper time frame ( XX/XX/XXXX ) and deposited {$5000.00} into my account via ACH on XX/XX/XXXX ( which was within the first 30 days of account opening ). The documentation of this ACH deposit is attached below. As per the full terms of the offer ( documentation attached ), I should have received my bonus from US Bank within 45 days of deposit ( which would have been XX/XX/XXXX ). I did not receive the bonus and reached out to the main US Bank phone #. I was told by a representative that I would need to contact my local branch directly. Over the next six weeks I sent 11 emails, most of them unreturned, made multiple phone calls ( in which I was told to call back at another time ), as well as visited the branch in person ( my banker was not in ) to try to resolve the issue. The banker replied via email on XX/XX/XXXX to simply to restate the terms that the US Bank main office said I needed to deposit {$5000.00} in the first 30 days of account opening to receive the bonus. I replied that I did, as documented below, on XX/XX/XXXX. I have received no additional response since, even after following up several more times. Even though I met all the specific terms of the offer ( as documented in detail ) and attempted to resolve this situation in good faith on multiple occasions, I was unable to get the issue addressed, and still have not received the bonus. US Bank has not honored their end of this promotion, and my many attempts to resolve this have gone ignored. I am respectfully requesting that this promotion be honored and {$400.00} credited to my account, in addition to two months statement fees reversed ( for XX/XX/XXXX, and XX/XX/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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
I lived in XXXX XXXX Apartments at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I gave a proper two-month notice, and left according to the terms of my lease. On XX/XX/XXXX I received notice from my credit monitoring service that I had been turned over to collections regarding XXXX XXXX XXXX. I disputed this, and on XX/XX/XXXX XXXX completed their investigation and would not take the collection item from my account. 

XX/XX/XXXX I was notified by Hunter Warfield that they were trying to collect a debt for XXXX XXXX. I responded to them via certified mail on XX/XX/XXXX stating that I did not owe this debt. I have attached this as CORRESPONDENCE # 1. 

Their reply finally came on XX/XX/XXXX, and I have attached this as CORRESPONDENCE # 2. 

Also, XX/XX/XXXX I received similar debt correspondence from the firm of XXXX XXXX XXXX XXXX XXXX. I replied to them via their provided fax number on XX/XX/XXXX asking for backup for the debt they claimed I owed. I have attached this as CORRESPONDENCE # 3. 

I never received an answer from XXXX XXXX XXXX XXXX XXXX, but starting XX/XX/XXXX I have been receiving sporadic resolution offers from Hunter Warfield trying to collect a debt from me from XXXX XXXX or XXXX XXXX, depending on the month apparently. I have attached this as CORRESPONDENCE # 4. 

As you can see from all the documents back and forth I have repeatedly asked for proof that I owe this debt. I asked numerous times for backup documentation that I owe thousands of dollars in damages, and just keep getting the same runaround.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 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: NV

Complaint narrative:
On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed with 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 non-monetary relief
Consumer complaint received 2019-11-20 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Here we have a paid off account with debt collector CAINE & WEINER. This debt has been paid off since XXXX XXXX, Collectors agreed to remove the account from my credit report immediately after payment, Still to this date XX/XX/2019 it is still showing on my credit thus affecting me in a negative way. Collectors state they report monthly. I have called in numerous time in attempt to get it removed, in return i get mixed responses on a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, XXXX functioning as XXXX XXXX credit card Number XXXX reported past due amounts. It occurred because I had changed my bank. Before these dates, I tried to arrange a payment from my new bank. I called the number on the credit card to change the bank routing number and account number. I thought I was successful. When I received another notice from the collections department, I called again. I was successful in changing the bank routing number and account number. I don't recall whether I changed it online or over the phone. After I explained the situation, I asked if the late payments has been reported to a credit reporting agency, they had. I asked if they would reverse the report, they were completely uncooperative. I then instructed them to close the account. Recently I requested a credit report from Trans Union. I noted the late payments in the referenced month. I decided to contact your organization to file a 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 2019-11-20 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-20 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with I.C.Systems. I have never done business with this company. I am not liable for collection from this debt from I.C. Systems. I am not responsible for this debt with I.C. Systems. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY 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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
When I left XXXX University in XX/XX/XXXX I had a balance of {$6200.00} in which I was making payments up until XX/XX/XXXX with a remaining balance of {$4200.00} when I went back to school at the University of XXXX. I made one more payment at XX/XX/XXXX to drop the balance at {$4000.00}. From my understanding as long as I am in school at a part time capacity or better and after graduation I have a 6 month grace period. I recently discovered that my credit score got affected negatively in XXXX of XXXX so I asked for my credit report in which it showed that FedLoan Servicing reported to XXXX, XXXX, and XXXX  that my account was delinquent. I've contacted them on 3 separate occasion trying to settle/dispute this account in which I was made to pay {$300.00} on XX/XX/XXXX which they never explained that the account was active again but I was told on 2 other occasion that this was still delinquent because it was past due 90 days and it was suppose to be in the delinquent department which they refuse to give the number for. Now I called again today and was told that the account is not delinquent. 

My complain is with the action they took they have damaged my credit score significantly that it dropped over 200 points. I have never received any type of communication from them either mail, phone calls, or email and I was told that they have tried reaching me with all of this but I have never even received a voice mail. Upon receiving my credit report I see that they have been billing me from XX/XX/XXXX-XX/XX/XXXX and from my understanding I have a 6 month grace period upon graduating from school which I graduated in XX/XX/XXXX. I wasn't even given a 6 month grace period on top of the fact that they never sent any type of communication to me. 

I understand that I owe the loan but the way they handled the matter and destroyed my credit score is  what I'm fighting for. I want them to remove the negative notes they sent to XXXX, XXXX, and XXXX  and fix my credit score. I have a attached a copy of my credit report showing that they have started billing me 1 month after graduation without any communication. This is not fair practice from a financial institution and is a irresponsible actions that can cause possibly not getting a job, can't find a place to stay, or can't get a loan for a home because they ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
Loancare has misapplied another principal reduction payment. They have done this several times in the last 6 months. They do not respond to inquiries through their website and the only department that can resolve is the cashiering department. The cashiering department does not take phone calls or communicate with customers. 

The date of the most current misapplication of the principal reduction payment is XXXX2019. The principal reduction amount is {$10000.00}. It is written on the cancelled check, there was a sticky note attached to the check as well as a letter stating the payment was to be applied to principal reduction. 

I have never been late with a payment and specified any payments sent that were principal reduction only.

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