vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft 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 2021-12-03 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: MS

Complaint narrative:
I have called Experian to help me with some unauthorized inquiries on my credit file. The inquiries listed below are not mine, I did not authorized. 

XXXX XXXX XXXX XX/XX/2021 XXXX- XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XXXX XXXX charged my credit card for XXXX in error. The quote I received was for {$480.00}. I called immediately and asked them to credit my credit card for XXXX because that was not our agreement. After a week or so they did send a refund of XXXX to Bank of America. In the mean time I called the credit card and asked them to stop payment for the charge of {$730.00}. They did that. Finally, I received the refund from XXXX they said they sent a second refund to Bank of America. And Bank of America did charge back to XXXX XXXX XXXX Bank for the {$730.00}. Bank of America said they sent the money back to XXXX XXXX XXXX. I have made numerous calls ( over XXXX ) to XXXX and Bank of America. The last person I talked to I talked to at Bank of America was XXXX, XXXX of claims at XXXX. I have also contacted XXXX in an attempt to clear this mistake up. I started talking to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX WI XXXX. When the XXXX XXXX XXXX would not help me I started talking to the XXXX XXXX office and they continued to claim I owe them money. I do not owe them money at all. In fact, they owe me money for the {$370.00} I paid for the policy XXXX. When I could not get XXXX to stop claiming I owe them money I cancelled the policy on XXXX XXXX 2021. The policy was only in effect for approximately XXXX weeks before I cancelled it. Please help me. I have been working this since early XXXX of this year. I have spent numerous hours on the phone with Bank of America and XXXX and they each claim it was the fault of the other company. I feel like I am stuck in the middle of this squabble between XXXX companies. I only signed papers for XXXX policy. That was XXXX and the cost was {$370.00}. I am due a partial refund of the {$370.00} I paid. XXXX started this mess when they charged the wrong amount. {$730.00} when they quoted a much cheaper price of {$480.00}. The policy and the {$480.00} was the only thing I agreed to and I should not be held responsible for their mistakes. I can be reached at XXXX. My name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, WI 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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I originally purchased an airline ticket through Chase XXXX rewards for a flight on XX/XX/XXXX. I used XXXX points, equivalent to {$470.00}. Because of covid, the flight was cancelled and a voucher was given. This voucher was used to purchase a flight for XX/XX/XXXX. XXXX XXXX cancelled the flight day of and put us on a flight for XX/XX/XXXX which was again cancelled day of. 

I contacted Chase XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I was assured that the XXXX points would be refunded and that I needed to wait a certain amount of time, from two billing cycles to 3 days. Each time the deadline passed I would call and be assured again that the points would be refunded. It has now been over 3 months and XXXX hours on the phone with Chase and I still have not been refunded the points. Today, XX/XX/XXXX, I was told again to wait XXXX hours because their refund system was down. This is the second time I have heard this excuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports.Re-inserted illegally, XXXX. violation. 

PORTFOLIO RECOVERY A Reported : XXXX XXXX, 2021 {$500.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final XXXX  attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 
XXXX XXXX GROU Reported : XXXX XXXX, 2021 {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In XXXX of XXXX the American Express account was opened. Beginning of XXXX payments went into delinquency. On XX/XX/XXXX, the account was closed and at the end of XXXX or beginning of XXXX, the account was charged off as bad debt as a result of a court hearing that they never served me papers for or contacted me. I was only contacted after the fact via mail. This account says I have a past due amount and they tried to contact me again in XXXX of XXXX. The account had, at that point, been closed and charged off for XXXX years. This account is too old to still be on my credit report I believe and they have continued to harass me for payment on the account even though it was charged off as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I wrote Caine & Weiner on XX/XX/2021 asking for validation of an alleged debt that they claim I owe their company, in this letter I also declined their invitation to do business. I told them to produce the validation of the alleged debt, if they could not produce that information they needed to cease collection activity and close the account. They did neither of them, what they did was insert it onto my credit report, which is a violation of the FCRA. If an account have not been validated it could not be on my credit report. They responded on XX/XX/2021 with a printout from their database that does not constitute validation. Anyone could make up a database with other people personal information that doesn't mean it's valid. I then responded on XX/XX/2021 letting them know that and informing them of their of the federal and state laws they have violated and demanded for the item to be deleted in 10 days. They did not respond to my letter and still have not deleted the unvalidated account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020

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 2021-12-03 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: Profit Services Group
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 
PROFIT SERVICES GROU Reported : XXXX XXXX, 2021 {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2021-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
On Sunday, XX/XX/2021, my husband and I tested positive for XXXX, so on Tuesday XX/XX/2021, I contacted the mortgage company with a concern for our upcoming payment because we aren't getting paid for this time off work. I simply asked to defer a payment to the end of our loan and was told that was not an option at all, this was in a chat log. They instead suggested I contact my state, which is upsetting to me. I do not want to apply for government assistance for this matter, because we faithfully pay our bills. We don't need that kind of help just for the mortgage company to modify our loan for this hardship. 

On Wednesday XX/XX/2021, I had talked with someone from our county of residence and was told that we don't even qualify for help because our mortgage is current. So there is no help for our situation, which isn't fair either. 

On Thursday. XX/XX/2021 I again contacted the mortgage servicer, Rushmore Loan Management Services, and was told there is nothing they can do to help us AGAIN. I stayed on the phone complaining about our situation, as the man on the line ( forgot his name ) suggested he get a supervisor on the line because I wasn't satisfied with this. They just kept suggesting I cancel my autopayment and pay it when I can. I can not afford to make a double payment after we don't get paid either, so I turned down that option as it doesn't really help. 

The supervisor, very rude and talking over me at times, didn't want to help me or suggest any other help UNTIL I told him I was going to file a complaint with your agency and then suddenly, we could " APPLY '' with some packet for a forbearance. I asked what information will be needed and one of the things he mentions is our bank statements. Now, is when I really get upset... 

I can prove our hardship through proper documentation of positive XXXX  tests, letters from XXXX XXXX health department with orders to quarantine and not work, and also paycheck stubs to prove we aren't getting paid. 

I shouldn't have to let this company invade my privacy just to prove the temporary hardship. Also, then the supervisor suggested he was sending the packet anyway because " I have to now! '' No, you don't and I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: AL

Complaint narrative:
I went to the ER and paid my co-pay at the time of the ER admittance. My insurance was billed for the rest and was paid by my insurance company. Later we got a bill from a place we did not recognize we contacted the hospital and were told that they did not bill through any third party companies from the one that was trying to bill us. The hospital said that our bill was paid in full via our co-pay and our insurance company. We then contacted our insurance company that said that they had paid the bill in full. They did not have any other bills relating to the ER visit. We then contacted the company trying to bill us and told them that the hospital and our insurance said that all fees for this ER visit had been paid. If this was a legitiment bill to file it with our insurance company. We did not hear back from them and it went away for about 2 years. It seems every year it gets sold to a different collection agency. We contact each time and tell them this has been paid in full and we do not owe or know what this bill if for. It goes away and then comes back from a different collection agency. It is not my debt, I do not owe this or know what this is for as it was never filled with my insurance. It has negatively affected my credit score by making it drop XXXX points. Again, this is not my debt. I have disputed several times with the hospital, insurance company and the collection agency. The hospital and insurance say it is not my debt it is fradulant. I would like it removed from my credit as it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Having issues opening account at any banks saying overdraft abuse and i have already reimburse those overdraft i need this issue fix to help me open an account please. 
Thank you.

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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK CORPORATION
State: AL

Complaint narrative:
I had a mortgage with CenterState and they merged with SouthState in XX/XX/XXXX. The payments for this mortgage were being drafted out of my credit union checking account by CenterState. I did not realize there was a problem until I received a notice from a credit monitoring service that I had a 30 day late payment on my mortgage. I investigated this because I knew my payments had been drafted out every month on time. I called SouthState and they had not applied any payments to my account since XX/XX/XXXX. Even though CenterState automatic withdrawals have come out of my account for XXXX, XXXX, XXXX and XX/XX/XXXX. I have record of that. When I tried to log on to the CenterState website I had used to set up these automatically withdrawals in the beginning, it automatically forwards me over to SouthState 's website now. I have spoken to and sent in emails to the people SouthState has instructed me to and have gotten no assistance. In the meantime, in order to avoid more late payments to damage my credit, I made two payments on the SouthState online website. No one can help me stop further automatic withdrawals from CenterState from coming out of my account. My credit union said I need to file a fraud dispute so I will do that. Currently, I have 4 months ( over {$6000.00} ) of mortgage payments floating around somewhere and supposedly I still have a payment due to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation