vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I upgraded my Hilton Honors American Express credit care to to Hilton Honors Aspire card. The terms of the offer were that the first year of membership would be a cost of XXXX XXXX XXXX XXXX dollars and the second year of membership would be a cost of XXXX ( XXXX XXXX dollars to be pro-rated from the date I upgraded to the date I first acquired the Hilton Honors American Express credit card. I received a letter that the annual charge of XXXX XXXX XXXX XXXX XXXX XXXX dollars is due on XX/XX/XXXX. A call to American Express informed me that this offer was a technical mistake and they are not going to honor the terms of the offer ( described above ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last date this account was reported was on was XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has expired. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX an account from Portfolio Recovery was reported to my credit profile. Available data shows the last date this account was reported was on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has passed. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
credence resource management sent a letter to me stating I owed THEM money. after sending CRM a validation notice for them to prove i owe this alleged debt on or about XX/XX/2020 certified return receipt requested. by U.S.P.S I was ignored, now they won't stop calling me and my wife 's phone number and my computer phone number. I have saved all the calls from them and asked them repeatedly to stop calling. the harrasment continues on a daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app withdrew money from my bank account after I closed my cash app account. Someone fraudulently disputed money they sent me to send to someone else. These two people may have conspired to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THERE IS AN ALIAS NAME AND 2 PREVIOUS ADRESSES THAT NEED TO BE CORRECTED

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 2020-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
NCB Management Services continues to report inaccurate unverified information about me to XXXX XXXX & XXXX. I wrote the company, they received my letter XX/XX/20, and replied with a letter dated XX/XX/20. The letter stated that they were unable to substantiate the allegations in my dispute. I requested that they send me the Original Documents or Contract with my Signature on it verifying {$3500.00} reported debt with them. No requested supporting documents were included nor was original document/contract/substantiation referenced in the letter dated XX/XX/20. NCB not only continues to report unverified information to the 3 Credit Bureaus but they also report monthly late payments. ( Please note that I made 4 disputes XX/XX/20, XX/XX/20, XX/XX/20, & XX/XX/20 with the 3 Credit Bureaus all resulting in Dispute resolved ; reported by grantor remarks, no changes made, no deletes/no removal, and no supporting documentation received )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX an account from Portfolio Recovery was reported on my credit profile. According to State of California law, the state I reside in, it is passed the statute of limitations. Available data shows it was last reported on XX/XX/XXXX which is passed the legal date for this type of account to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : XXXX, XXXX, and transunion who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

XXXX  XXXX is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.

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 2020-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : XXXX, XXXX, and XXXX  who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

Capital one is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2020 I filed a dispute on a charge of XXXX on me by XXXX. The issue was primitive : I returned merchadise to the store/REI, but the store did not refund me for some reason. The payment was done through XXXX, so I filed a dispute through XXXX. But XXXX was unable to process the dispute on this privative issue for 5 months, but kept it on hold. Then in XX/XX/2020 I filed a claim on my bank 's credit card. The bank refunded me honorably. After that XXXX began processing but not my 5 month old dispute. XXXX froze my XXXX account and made a claim that I have to send a check to XXXX on {$65.00}. This appear to be a blackmail and fraud by XXXX. In addition XXXX 's customer service is not functioning : after a few automated messages the call is automatically hang up. Apparently, the company of XXXX is not functioning. I want to close all my accounts with that business but XXXX is totally out of reach.

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 2020-12-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-19 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: NJ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
account information does not belong to me

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 2020-12-19 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: NJ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX stolen via fraudulent withdrawal out of state at a BMO Harris branch. BMO demanding I file police report. May not be able to. My local police ( XXXX police ) at first helpful then refusing to take report. May be out XXXX usd due to a technicality

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 2020-12-19 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: TN

Complaint narrative:
account information does not belong to me

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 2020-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Collection agency states that I owe a bill to a lawn care service of {$270.00} in which there is no documentation to prove that it is my debt. I have no knowledge of this bill. They reported it to the credit reporting agency of Transunion without the correct address or any other identifying information. Furthermore, I did not hire a lawn care service because I do not have a stable place of residence. The debt collection agency has not provided me an original copy of my signature agreeing to any service as well. I have not received written notification for me to contest this allegation. XXXX XXXX XXXX is the debt collection agency. This is a fraudulent account.

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 2020-12-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a dispute to XXXX, TransUnion and XXXX on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a 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 2020-12-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a dispute to XXXX, XXXX and Equifax on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Breach Of Contract, Many Businesses who have made Fraud misrepresentations, and false statements made false assertion Fraud debt. They're Intentionally used this method as tortious act to infliction of emotional distress. They are stealing my personal information, creating accounts through their system. Present i am grossly, affected by the Data Breach. and Fraudsters, using my personal information and is being passed on deception through Identity theft and XXXX  Data Breach files are being created in my names. Today received letter from XXXX XXXX XXXX XXXX. Referencing Calvary SPV 1, LLC and referencing XXXX XXXX  requesting {$1200.00}. Deliberate interference violated by the intentional torts of assault by calling repeatedly. I have never authorized this debt. My rights are being infringe upon. Over Two years ago, I am being taken to Court by XXXX XXXX XXXX, although, prevailed, in case they received a Judgement for this account in the amount of {$1900.00} on XX/XX/XXXX. Now they want more, I and being invaded by Debt collectors Data Base. I have been harassers ever since. I am being invaded by Debt collectors Someone attempting to collect a debt constantly calling phone calls on my cell phone. Constantly being taking to court by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Two days ago, received a box of XXXX XXXX with multiple transactions from multiple accounts that most are not mine file from XXXX ( stating I am requesting information ), which I didn't. Many Cases constantly being filed in court. Every day, I am being contacted for more money they say is owed in my name. What can I do? I do not own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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