vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
To Whom it XXXX concern ; I have filed a few disputes with XXXX XXXX, formerly known as XXXX XXXX. For the first part of my dispute, I never made an agreement with XXXX XXXX  to begin with. On XX/XX/XXXX XXXX XXXX transferred my account to XXXX XXXXXXXX. On XX/XX/XXXX XXXX had approved my buyer protection claim for the charge in question, this was verified by XXXX Employee XXXX Employee ID # XXXX on XX/XX/XXXX during a phone conversation. XXXX XXXX  said they would not honor XXXX terms and conditions. They do not get to make this decision as the credit agreement I entered guaranteed those protections with the use of XXXX  XXXX. XXXX can not unilaterally decided that I no longer am protected because I did not enter into an agreement with them. They can not negatively report on my credit with this either. 

I also filed a fraud claim with XXXX XXXX, which was later approved by XXXX   XXXX  on XX/XX/XXXX. In this approved fraud claim synchrony bank stated that they may re-bill me for the items within 60 days of the approved claim. That time period began on XX/XX/XXXX and ran until XX/XX/XXXX ( give or take a day ). XXXX made no contact during this time window. Instead, after I filed a complaint they attempted to say that the issue had been resolved and I was credited on XX/XX/XXXX. It is impossible to re-bill someone for something when the claim that would require a re-bill hasnt even been approved yet ( Approved on XX/XX/XXXX ). The attempt to hide this and not be forthcoming in their report on the account is fraudulent and I can not be held liable for their unlawful behavior. I have attached all documents to this to show the dates and times. They also state in the approved fraud claim that they would send a letter of explanation with the re-bill, as you will see there is no letter from them with the re-bill ( this was also a 0 % interest purchase for 6 months, that would have had to be specified in the re-bill. ) The only letter stating there was a re-bill was in response to the CFPB complaint on XX/XX/XXXX, well outside the 60 day window. 
Respectfully, XXXX XXXX XXXX XXXX Retired XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have been advised several times by customer service that my secured Amazon store card should have graduated from secured ( refunding my deposit ) and continuing with as an unsecured line for the same credit limit. I have been given the run around and now this feels to be unfair and extremely deceptive.

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 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I.Q. DATA INTERNATIONAL, INC is reporting a false outstanding debt on my credit report. I moved out of the apartment I was renting on XX/XX/XXXX. There was no debt owed to the apartment company at the time of move out. By XXXX, I received a letter from IQ Data International stating I owed a debt of {$290.00}, I sent a letter disputing the debt and got in contact with XXXX  XXXX XXXX ( TX ) ( owned by XXXX ) which was named as the creditor to whom I owed the debt. 

I.Q Data kept calling me regularly to recover this debt which I explained to them I did not owe but all attempts to have a reasonable conversation with them proved abortive. The collection agent stated I have a very good credit score and if I didn't pay this debt, they would not hesitate to report to the credit bureau, insinuating that I.Q Data International was ready to damage my credit score for a debt I do not owe. 

After several communications and indicating I was ready to file a lawsuit, XXXX XXXX XXXX ( TX ) provided me a move-out statement on XX/XX/XXXX showing the amount due was {$31.00}, which I promptly paid on XXXX XXXX, and a resident ledger was provided to show the balance due was now {$0.00}. 

I contacted I.Q Data International and was instructed to send the documents provided by XXXX XXXX XXXX . ( TX ) to the company. All documents were forwarded via email on XX/XX/XXXX. Thereafter, I.Q Data International stopped contacting me for the debt. 

By XX/XX/XXXX, I.Q Data International sent me a letter requesting the same debt of {$290.00} and went on to report it to the credit bureau as outstanding debt in collections. I filed a dispute with the credit bureau and it was taken off my credit report. On XX/XX/XXXX, IQ Data International reported this debt again to the credit bureau with an increased outstanding amount of {$310.00} and a new balance date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased an item online on XXXX and I sent this person {$150.00} dollars on XX/XX/XXXX. They said they were going to send the item to me and never did. He ended up being a scam. I contacted them and they ended up blocking me and ended up changing their name on XXXX. The number they texted me from and I sent the money to was XXXX XXXX XXXX XXXX. Their XXXX was XXXX XXXX but they changed it toXXXX. I contacted chase as well and XXXX & said they couldnt do anything for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiries more than 2 years old appear on 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 2020-06-11 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on XXXX XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis and Associates has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
You did not have options for the help I actually need. My loan was through XXXX XXXX XXXX of XXXX, Pa. a for profit school that is now shut down because it was bought out. I have loans that are paid off though seizing my yearly tax refunds. Due to COVID 19 and the Cares Act, I was supposed to get my refund of {$10000.00}. They couldnt take it for the offset. I filed XX/XX/XXXX which is within the time for the Cares Act. Its been 6 weeks. The IRS site said my refund was taken to pay off that debt but it cant be taken due to the Cares Act! Im trying to get ahold of someone and I cant. I am a single mother of XXXX and need that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I placed an order using my Apple Card with a merchant on XX/XX/XXXX in the amount of {$310.00} The order never came despite the tracking showing it was delivered inside of my mailbox despite the fact that my mailbox wouldn't be able to fit any sort of packages. I then had proceed to contact the merchant for support which they didn't hence why I initiated a dispute with Goldman Sachs on XX/XX/XXXX as the merchant wasn't doing anything regarding my missing order or providing support. Faster forward a month on XX/XX/XXXX I get an email saying the dispute is resolved in the merchant favor due to the " evidence '' provided by merchant proving I made the purchase. Here 's one of the first thing that is off as I never opened the dispute due to a fraudulent transaction or unrecognized charge but for my order never arriving yet Goldman Sach claims this to be their reasoning to closing the case. I then reached out to Goldman Sach furious about this for a response and was told the case would reopening the following Monday ( I'm providing chat history and other relevant documents to prove these claims as well ). Anyway after this I followed up and then this agent now instead tells me he can check if it could be disputed, backtracking on what I was told earlier and being mislead and said he would if it could be disputed. Shortly after he says it can be disputed and I would be contacted with a response. As you guess I never was contacted with any response and had to follow up myself TWICE regarding this and had gotten a new different response from what I was originally told and now was being informed I can't reopen the dispute since it was " resolved '' basically misleading and lying to me for the past couple months. I've also repeatedly asked for the evidence used in their determination of closing the case as I have the right to see these under the Fair Credit Reporting Act yet they've been neglecting on providing me on such documents so that I may not dispute it any further purposely. 

In the end I was constantly lied about the case being reopened, never had a clear communication with Goldman Sach, never got the item I paid for and being charged fully due to Goldman Sach incompetence and sheer ignorance with the matter, closed the case on a completely different issue that I never expressed towards, the agents don't ever tell me their names and finally they never provided the evidence that was used in this case as they should have under Fair Credit Reporting Act. I've forwarded to the Goldman Sach a documentation and the tracking of my issue and they never even bothered to do anything about that either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?

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 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX I leased a vehicle from XXXX XXXX XXXXXXXX on XXXX XXXX, the lease was done through chase bank. The car was then stolen recked and totaled out, I was dealing with the police, the bank and the insurance company. I was told by my insurance company that check was issued and sent to the bank and I dont need to make payments to the bank. I later found out there was a dispute between the bank and the insurance company and the bank sent my account to collections so they can take possession of the vehicle which delayed the insurance payment and led to my account going into collections. I was never called or informed about my account getting ready to go into collections. They claim they didnt have my cell number which I find hard to believe because the dealership I purchased from still calls me on that number. I even called in to make the last due payments but they didnt let me make those payments because of the status of my account. I would like CFPB to protect me as a consumer and get this taken off of my credit history. The account was paid for the bank received there money I just need the fact that this account went into collections for less than 2 months 3 years ago taken of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery and associates is continuously reporting unverifiable, inaccurate, misleading, & fraudulent information on my consumer credit report. A violation of federal law. 

After reviewing my annual report I have noticed that portfolio recovery and associates has reported to the three major credit bureaus. An account under the name : portfolio recovery and associates ; original creditor XXXX XXXX  XXXX. 

Back in XXXX of XX/XX/XXXX, I sent a validation letter to the company to accurately validate this account. 

As of today XX/XX/XXXX I have yet to receive a response. Meanwhile this account is being reported to the three major credit reporting agencies. 

My validation request was as follows ; : Provide a full detail & calculation of the debt they say I owe, : Provide last payment received, : Provide statue of limitations of which may apply in my state : Provide original creditors name address and contact information, : Provide a full description and proof that I agreed to pay the debt they say I owe, Again as of today XX/XX/XXXX I have not received a response. A violation of FDCPA section 809b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020, I purchased an HP desktop computer on walmart.com using my Capital One credit card ending in XXXX for an amount of {$860.00}. The item was NOT delivered, and I did NOT receive it. So I first tried to resolve the issue unsuccessfully through walmart.com. Then I filed a dispute through Capital One and received a temporary credit. On XX/XX/2020, however, Capital One put the charges back on my account and they are now asking me to pay for a product I DID NOT receive. This is wrong, and I need your help, PLEASE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX  XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation