vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
My information is being merged into my sisters credit report. I first contacted the three major credit companies in XXXX. I struggled to seperate me and my sisters information, but XXXX  and XXXX finally fixed it a few years ago. Since then I have contacted Equifax by mail and phone, However, EQUIFAX has yet to do anything about it. In approximately XX/XX/XXXX I attempted to purchase a vehicle and was denied due to the equifax report. I contacted equifax again and submitted all requested info but never heard from them. I recently called them by phone and now they are requesting all documentation again. I could send it however I have done so repeatedly for the past 20 years. At this point I no longer believe them. I need help to obligate them to fix my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I requested on XX/XX/2020 that Midland Credit Management provide me with competent evidence that I have any legal obligation to pay them, ie a contract with my signature, and as of XX/XX/2020 I have yet to receive a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record.

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 2020-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I ordered a product on https XXXX XXXX When I went to checkout, nothing happened. Then I received an email with instructions to send payment via paypal as a friend/family payment. When I did, I never received the digital download of the product. I did some research and found the actual copyright holder of the product and ordered through them. I requested a refund from XXXX, but received several vulgar and threatening replies from them. I asked the copyright holder if XXXX was a licensed distributor and they said they were not. I am now receiving death threats from XXXX. The most recent message is : XXXX XXXX XXXX XXXX ( 22 minutes ago ) to me you are a dog. 
Your whole family will XXXX  soon : ) ) I have the entire email thread saved. 

Also, I attempted to report this through paypal, but their customer service is impossible to access. I wasted an hour trying to send a message to paypal and got nowhere. Just pop ups stating I can not send them a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a PPP loan and it was deposited into my Chase account and Chase bank now is said that first all I needed to do was for them a copy of my 1099 and also my tax return the prove that I own a sole proprietorship business and sent that over to them and now they decided that they want me to go to tax attorney or CPA to get a letter so that they can unfreeze my PPP loan funds even though the bank that did the loan already verified all my information how I worked on the sole proprietor and they funded the loan but once it was deposit to Chase Chase now has decided that they want to hold my money Ransom because they want me to get all kinds of different documentation as a sole proprietor it's not something that is needed to run the business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am writing in for assistance concerning credit card issues. During covid I have fallen delinquent on my American express credit card but was able to pay off my balance in full. I requested that american express reinstate my account. I spoke to 3 different departments over a dozen phone calls today and wrote in to their online chat support another dozen times today. I thought there would be some leniency due to covid and that they would assist me in account reinstatement but they have not as of yet been willing or able to assist me. I need help reinstating my american express account. What can be done? 

Thank you for any assistance you can provide. 

XXXX I have been in contact with American express for the entire day today in my effort to resolve my issues and reinstate my card. As I understand it, american express policy is to not ever reinstate a card if it is past 120 days, but i am asking for leniency due to the monumental health pandemic known as covid. I am simply trying to restore my card. No agents or support representatives have been willing and able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a checking account with Fifth Third Bank, I was offered an Early Access Account with a credit limit of {$1000.00}. I fell behind due to illness and agreed to make monthly payments in the amount of XXXX. I've made all payment and sometimes I paid more than the agreed amount. I called in on XX/XX/2020 and left a message, for a payment to come out of my checking account in the amount of {$40.00}. I never received a call, letter, or text stating the payment had not been received. On XX/XX/2020 I noticed a Funds Transfer in the amount of {$280.00}, I called customer service and was transferred to the charge off department, where payments are made. I spoke with XXXX at XXXX XXXX and was told we didn't get your message therefore there's nothing you can do about it. I ask if there was someone else I could speak with and she told me, I'll transfer you to me supervisor. I ask for the supervisors name and I was given " XXXX '', I left a message once again explaining I had left a message ask for her to return my call. I did not receive a call today, XX/XX/2020, but another funds transfer was withdrawn from my account in the amount of {$350.00}. Both of these charges were not authorized, I was told that a different company handles the charge offs however, there answer the phone Fifth Third Bank EAX Charge off Department at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: MD

Complaint narrative:
In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.

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 2020-08-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: MD

Complaint narrative:
In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since XXXX of XXXX, we've been charged either late fees or interest charges due to CapitalOne 's unfair, deceptive and abusive act towards it's clients. I will provide the specific dates and amounts below, but wanted to first share with you the issue. We are scheduling our payments through the CapitalOne app on our mobile device every month. The payment date we enter is the same date as the payment due date. CapitalOne is not processing the payment until the following business day, which is resulting in late fees and interest charges. This is beyond a UDAAP violation ... it is punitive and CFPB not only should be aware, but it should take action against CapitalOne. If this does not get resolved quickly, I will be seeking legal counsel to file suit against them. Here are the dates and amounts : XX/XX/XXXX - Late Fee : {$27.00} ; Interest Charge : {$75.00} XX/XX/XXXX - Interest Charge : {$61.00} XX/XX/XXXX - Interest Charge : {$110.00} XX/XX/XXXX - Late Fee : {$19.00} ; Interest Charge : {$140.00} XX/XX/XXXX - Interest Charge : {$100.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$75.00} XX/XX/XXXX - Interest Charge : {$39.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$87.00} XX/XX/XXXX - Interest Charge : {$37.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$67.00} XX/XX/XXXX - Interest Charge : {$47.00} Total Late Fees : {$160.00} ; Total Interest Charges : {$850.00} Total combined fees : {$1000.00} I spoke to two pleasant colleagues from Capital One on XX/XX/XXXX ; at approximately XXXXXXXX XXXX PST - XXXX from XXXX, DE ; and then I was transferred to supervisor XXXX from XXXX, FL at approximately XXXX XXXX PST when XXXX was unable to fully address my complaint. I asked XXXX to escalate this matter further, and she said there was nothing else she could do. 

I have attached to this complaint the online payment process, and this is what we've followed the entire time. As you will see, we've selected the due date as our payment date every month. This can all be tracked by CapitalOne, which makes it even more egregious on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I got a alert on my Transunion credit report that a new inquiry from XXXX was on there. I dont have a license and I dont have any business with XXXX this is fraudulent please remove from my inquiries on my credit report

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 2020-08-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I got a alert on my XXXX  credit report that a new inquiry from XXXX was on there. I dont have a license and I dont have any business with XXXX this is fraudulent please remove from my inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX, XXXX, 2020 I attempted to unfreeze my credit report with Experian as I am initiating refinancing of my primary residence. I started online as I had previously set up log-in credentials and received a 10-digit PIN. I entered my information and answered several questions to verify my identity. I selected the option to unfreeze my account, entered dates for the temporary unfreeze. Upon pressing enter, I recieved a message that read : We were unable to honor your request to temporarily remove your security freeze based on the information you entered. 
Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure  that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. 

I then called Experian and after going through their prompts to establish my identify and verify my identity, I selected the option to unfreeze my account and received the same message as above via automated voice. I attempted to reach an operator and was disconnected. I called back in an attempt to reach a human and there is NO OPTION TO REACH A HUMAN. 

Later that evening, I was sent an email to finish setting up my account. I went through the steps, was able to view my credit report while being constantly bombarded by options to purchase other services but at no point could I unfreeze my credit. 

I need my credit unlocked today to proceed with my mortgage refinancing. I can not wait weeks to get this request processed by mail. I think it is unrcontionable that a company can hold this much power and the consumer has absolutely no recourse -- - all in the name of consumer protection.

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 2020-08-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I noticed a hard inquiry from Toyota on my credit report that I did not do! I didnt apply for any services or products from this company! Its fraudulent inquiry please remove off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed a hard inquiry from XXXX on my credit report that I did not do! I didnt apply for any services or products from this company! Its fraudulent inquiry please remove off of my credit report

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 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NV

Complaint narrative:
Received a letter on XX/XX/2020 from HRRG OFFERING {$630.00} TO CLEAR MY DEBT. HAD CALLED HRRG EARLIER IN THE DAY BEFORE RECEIVING THE LETTER AND SPOKE TO XXXX, OR XXXX AND SHE STATED THEY SENT A LETTER OFFERING US TO SETTLE FOR {$650.00}, ( WHICH I ACCEPTED AND PAID ) AND THEN I COME HOME AND THE LETTER STATES THE SETTLEMENT WAS FOR $ XXXX..SHE MISREPRESENTED THE COMPANY AND USE FALSE AND MISLEADING CLAIMS TO GET US TO PAY MORE THEN WHAT THEY OFFERED

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