vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has failed to update credit reporting. Ive requested to have the past due reporting updated to current and never late for my XXXX XXXX account opened XX/XX/2017. They have failed to report accurate information and have violated my consumer rights according to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: PA

Complaint narrative:
I reached out to the number on my credit report about an old student  debt that was paid off In 2015 Im trying to have it removed from my credit report and Im not getting anywhere. The company said that I would have to speak with the default team to have it removed but I dont believe they will remove it this has been on going for about a year to have it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX and Experian. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I used Synchrony Banks online pay 12 payments in advance on their site. Since XX/XX/2020 they have been charging me a late fee of XXXX each month because my two biweekly payments from their site did not fall on the date XXXX due date. Example I was accessed a XXXX dollar late payment as the automatic draft was taken out on the XXXX. The due date was the XXXX. So from XX/XX/2020 thru XXXX I was getting a late change but was using their online payment system to pay my monthly bill. I was never notified that I was being assessed a late fee either by email or mail. The only reason I discovered it was I logged on to enter 12 more pre payments. I called Synchrony bank and the customer service person stated even though it was in their system it was still late and a fee would be assess. I asked why I did not get a late fee notification and it was stated that it was my responsibility to check. Every other CC or bank loan had notified me if I was late. 

I thought that the bank was required to notify you if they assess a late fee and why. 
Using their system they can see there were two payments per month in their system. I believe Synchrony used unfair banking practices and build up my late fees without notifying me to rectify.

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 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have contacted the company many times about this inaccurate debt and they have failed to provide original validation of indebtedness. This is defamation of character and i am very disappointed in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My business account was closed due to a false fraud report from a client who wired transferred money to our business account in Bank of America. I accept that bank of america closed my account, but I do not accept that they're not giving me the funds left in that account. Since my company didn't commit any fraud, and the other part provided false documentation stating this. I have also filed a complaint to my Florida Attorney General 's office due to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX DPEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX has failed to update credit reporting. Ive requested to have the past due reporting updated to current and never late for my XXXX XXXX account opened XX/XX/2017. They have failed to report accurate information and have violated my consumer rights according to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive made several attempts to resolve this inaccurate information regarding the bankruptcy on my report. I have provided my police report confirming identity theft, contacted the Bankruptcy courts and Equifax and XXXX  has failed to delete the inaccurate information. Ive sent them a letter back in XX/XX/2020 and they have not responded as requested. At this point, my consumer rights have been violated according to the FCRA. The next step would be contacting an attorney and suing both bureaus. XXXX  has permanently deleted the inaccurate Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ban of America is reporting I failed to pay my mortgage. I provided the copies of my bank statement as proof. The payments were made to XXXX ( XX/XX/XXXX and XX/XX/XXXX for {$370.00} ), who held the mortgage with us. they still refuse to fix the 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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Penn Credit Corporation
State: VA

Complaint narrative:
My XXXX report is currently showing the same collection report twice. All of the dates match, the amount only differs by XXXX  dollars. I have disputed the information on several occasions with no luck. I called on XXXX XXXX 2020 Penn Credit and was told that there is nothing that they can do since they are only showing one account. I also called XXXX on XXXX XXXX 2020 and was told that " they will probably be combined '' The account is almost 6 years old and was paid over 4 years ago. XXXX  was unable to give any other information other than the last 4 digits of the account number which are the same but I was told that there is still a possibility that they are two different account. Current screen shot provided and payment confirmation can be provided as needed. 
Confirmation Number : 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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX  and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive made several attempts to resolve this inaccurate information regarding the bankruptcy on my report. I have provided my police report confirming identity theft, contacted the Bankruptcy courts and XXXX   and EXPERIAN has failed to delete the inaccurate information. Ive sent them a letter back in XX/XX/2020 and they have not responded as requested. At this point, my consumer rights have been violated according to the FCRA. The next step would be contacting an attorney and suing both bureaus. XXXX has permanently deleted the inaccurate Bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RADIUSGLOBAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUSGLOBAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I open a paypal account to make a donation. I closed the account? I keep getting statements from pay pal showing the account is open and active .I follow the steps to close the account. Now after closing the account the web site keep telling me they have a problem on their end and I can't close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
XXXX and XXXX ARE KOT DOING WHAT THEY NEED TO DO.. I do t have any bill or balance from XXXX XXXX. 
Everything had need paid and settled. The year XXXX, there was a bankruptcy done.. 
so again. The only credit cards I hv is XXXX XXXX amd a XXXX wit XXXX XXXX Please have this update this is ridiculous. I have called XXXX  several time stating my online is not working and for them to reset.. still nothing has been done. 

Compnies XXXX XXXX me trickXXXX XXXX and etc ... are paid and settled as contract. Early credit cards .. again were bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns home plus I owed Conns {$3300.00}. They offered a XXXX tax settlement offer for {$2200.00}. I paid this settlement offer on XX/XX/XXXX. Since paying this, Conns has reported to the credit bureaus as Balance increased, Derogatory, and now a charge off. Conns has even sent me a letter stating it was paid off. I have called Conns several times advising the situation and each time, they say it will take 30-45 days for it to correct itself. It has been well over 45 days and Conns reported my account as being charged off on XX/XX/XXXX when in fact this was paid off and in good standing since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I'm creating this with regards to a charge on my Chase credit card from XX/XX/20 for {$2800.00}. I have tried twice to resolve this dispute with Chase but have not been refunded. I have provided proof that the party I transacted with still has all of my funds and has not provided their service ( travel agent ). I provided proof of trying to reach the vendor on the phone, email chains between the vendor, myself and the resort I was to stay with and the fact that the travel agent 's own website states to reach out to the credit card to process a refund as the travel agent has laid off their staff due to COVID and are unable to process it on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
When I opened my business checking account, I specifically opted out of overdraft protection. I wanted the bank to decline any transaction that would exceed my balance. 
Overdraft protection was added anyway, which I was not aware of until XX/XX/XXXX. By this time, I was not using the account much. A transaction for a {$69.00} subscription was processed putting my account negative. The bank did nothing to alert me of this promptly. They mailed a postcard to me, which naturally did not reach me until several days later. Several more small transactions occurred in the meantime which further compounded the overdraft " protection '' fees I was assessed. The fees added up to {$280.00}. I called and complained to online banking, and to two local branch managers. They agreed to refund {$35.00} of the fees and after more complaints, they refunded another {$35.00} for a total of {$70.00}. Despite my outrage, I remained with the bank for the time being due to the hassle of closing the accounts and switching banks. 
In XX/XX/XXXX, they decided to assess a $ 25 monthly fee for simply having the account. This was the last straw. I took steps to open new accounts with a new bank and switch all of my billing over. 
Today when I called to close my account, I had to wait 45 minutes on hold to get through. When I told the representative that I wanted to close the account, he launched into a sales pitch, but the line was abruptly cut. I called back, waited another 35 minutes on hold waiting for a representative and finally gave up. 
This is a terrible business practice. 
I want the {$210.00} they kept from the overdrafts in XXXX refunded, especially in light of the fact that I declined overdraft protection in the first place. 
And I want my account closed.

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