vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 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: CA

Complaint narrative:
CFPB I contacted the FTC they informed me that you CFPB handle this type of case and and you keep sending the dispute to them FTC. Experian is fraudulently reporting an account that both actual furnisher XXXX XXXX sold to XXXX XXXX who stated on your dispute enclosed remove this account from credit report FACT 1 enclosed XXXX XXXX state remove account, FACT 2 XXXX XXXX state sold to XXXX XXXX, Experian has no legal right to report this account Fraudulent, misleading, deceptive, information on credit report a violation of FCRA, FCPA, and other federal laws. all facts enclosed .FTC states you the CFPB are the one to handle this dispute. I request that Experian remove this account at once as per the facts, and CFPB investigate this case I know CFPB can not give legal advise but the violation can be handed down for this type of reporting, Experian you will do as I request of I will file a class action law suit against you Not a threat but a promise I tired of your fraudulent tactics in this matter. fact, actual furnisher sold account, fact XXXX XXXX stated remove account from my report, fact fraudulent reporting is a violation with fines, fact all parties state fact enclosed to remove account I should go public about this to the News and the social media so you can answer the facts

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 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase defrauds credit card customers with hidden interest rate charges related to zero interest loans. 

Situation : Earlier this year I borrowed a zero percent credit card loan from my JP Morgan Chase Credit Card. Later I found I was being charged interest of 17.49 % p.a. on purchases, but on what amount of purchases? It was not disclosed on the credit card statement. After telephone calls with Chase, I found that the only way to determine the purchase amount was to subtract the zero interest loan balance from the credit card balance as shown on the statement, but the zero interest loan balance was also not shown on the credit card statement. In June I had to speak with a Chase credit card representative to find out the zero interest loan balance.

I spoke with representatives twice. The first explanation of the interest charges was vague, confusing and incorrect. The second was correct. I was told the amount of the loan balance and the method to eliminate the interest charges : sequentially first pay off the minimum amount due ( {$140.00} in my case ), then separately pay off the purchases ( {$220.00} in my case ), calculated as follows : Amount Source Credit Card Balance {$14000.00} Credit Card Statement ( Exhibit 1 ) Less Zero Interest Loan {$14000.00} Chase Representative ( by Phone ) Purchases {$220.00} My Calculation on which 17.49 % Interest is to be Charged Interest Charges {$2.00} Credit Card Statement ( Exhibit 1 ) JP Morgan Chases practices are deceptive and fraudulent, resulting in consumers unknowingly paying punitively high interest charges without knowing how to avoid them. This practice represents another worse in consumer credit card banking, lacking full disclosure and proper transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened an account with BMO around XX/XX/2019 because they were advertising a {$200.00} bonus if I had a direct deposit and used my debit card 10 times. I met all of the requirements and the bank closed the account without letting me know, without having a reason and did not pay the {$200.00} bonus. I called the bank to ask them why my account was closed and the Customer Service rep said it was strange and he saw no notes on the 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 2019-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I have asked them to correct my account to show it has been paid and closed and now they have reopened in showing I still owe a balance. This is not ok

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I recently received a garnishment on my pay for a debt I know nothing about. I never received a summons to appear in court but i have had a judgement brought against me by a debt collector Asset Acceptance LLC. According to the documents I received from my employer about the garnishment the following was were the terms of the judgement : Principle : {$2100.00} Interest : {$6300.00} ( and accruing ) Attorney Fees : {$530.00} Court Costs : {$250.00} Again, I have no idea what this is for nor did I received a summons to court to dispute the claims outlined in this collection of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Pinebrook Holdings, LLC
State: MO

Complaint narrative:
I got a {$500.00} loan I paid 13 or 14 payments of at least {$50.00}. 2 of which were {$75.00} few {$60.00} and few {$55.00}. I havent noticed change in payment end or interest. I tried paying {$30.00} online and it was declined as it wasnt the minimum amount. Im able to prepay or pay extra and their system wont let me. They are declining me rights to pay down so they can gain on interest. I calculate Ive paid over {$700.00} on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
PLEASE FIND ATTACHED THE TRANSACTION DETAILS IN A LETTER HEREIN ATTACHED THAT I RECEIVED FROM WESTERN UNION CONCERNING MY TRANSACTION, INFORMING ME THAT MY MONEY WAS READY FOR PICK UP. I RESIDE XXXX XXXX, NEVADA AND AM ON A BUSINESS/VACATION TRIP IN XXXX. UPON ARRIVAL AT XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX IS ONE OF THE AGENTS FOR WESTERN UNION, IN XXXX, XXXX AND WHO i BANK WITH. 
WHEN XXXX COULD NOT VALIDATE THE XXXX NUMBER REFERRED TO IN THE LETTER SENT TO ME. I CALLED WESTERN UNIONS  CUSTOMER SERVICE, I WAS TOLD THAT THE MONEY WOULD NOT BE AVAILABLE FOR SEVEN DAYS. UPON SPEAKING TO THEIR SUPERVISOR, I WAS TOLD THAT THEY WANTED TO CREDIT BACK MY ACCOUNT IN THE U.S. IN BREACH OF THE INTERNATIONAL TRANSFER THEY DEDUCTED MY ACCOUNT IN XXXX XXXX AND IN DIRECT CONFLICT WITH THE TRANSACTION LETTER THAT IS LEGAL TENDER THAT I WAS HOLDING, WHICH THEY HAD SENT TO ME THE DAY BEFORE. MY SITUATION IS THAT I TRYING TO RESOLVE THE FOLLOWING ISSUES WITH THE TRANSFER I MADE. 
1. I HAVE HEALTH ISSUES 2. I HAD A BUSINESS ARRANGEMENT THAT I WAS COMMITTED TO THAT HOLDING MY MONEY WOULD PUT ME IN BREACH OF.AND THAT HAS NOW MADE ME LOSE MY DEPOSIT. 
3. I HAVE A NON REFUNDABLE TICKET THAT HAS A TIME FRAME WITH SPECIFIC SCHEDULE OF DAYS TO SPEND IN XXXX. 
WHO WILL THEN BE LIABLE FOR THESE SITUATIONS THAT THE DELAY IN GIVING ME MY MONEY IS CREATING? 
IF THERE WAS ANY CONCERN FROM THE ONSET WHY DID WESTERN UNION NOT JUST DECLINE MY TRANSACTION.? 
I INTEND TO HOLD THEM LIABLE FOR EACH SITUATION AS IT MAY COST ME IN MY NOT RECEIVING MY MONEY FOR THE TRANSACTION I PAID THEM FOR AND WHICH THEY CONSENTED IN WRITING AND GAVE ME A LETTER CONFIRMING..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: DC

Complaint narrative:
I received an inquiry from an bank pertaining to my credit but I have never contacted nor spoken to anyone from the bank nor have I filled out any information online stating that I authorized anyone bank to pull my information and check my credit for any purpose. I was a victim of identity theft so this can also very be the same situation due to the fact of my information still being stolen. I received the notification via email through credit karma alerting me that there was an new inquiry on my credit report. In which my information was falsely used without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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:
Someone obtained my information and pursued to utilize it to apply for some apartments and more.

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 2019-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Repeated calls working 1 hour and also calling on legal holidays of XX/XX/XXXX They call under multiple phone numbers and also blocked / unknown phone numbers

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 2019-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I checked my credit report and this company is trying to collect a dept that i have no knowledge of i have never signed a contract with this company nor its affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: HI

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. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: TN

Complaint narrative:
Someone obtained my information and pursued to utilize it to apply for some apartments and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
On XX/XX/2017, I applied for a car loan at Mercedes of XXXX, IL. The dealership ran my credit. I got 7 hard inquiries toward my XXXX credit report. However, I was never notified by my salesperson or financer that they would be pulling it that many times. I was under the impression my credit would only be pulled once. I would like to address this immediately and find a solution to how it is that I can get the hard inquiry remarks removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: CA

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. 

XXXX XXXX ; XXXX  HIGHR EDU XXXX ; 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 2019-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was looking for tickets to a particular concert that had been sold out. Someone came forward offering tickets for a reasonable price, but wouldn't let me pay using something that had pay-protection. I said alright, and sent half the money. The recipient told me to wait a little bit and I haven't been contacted since. Given the payment wasn't supposed to go through until tomorrow, I was under the assumption I would be able to cancel it but that was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: CA

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. 


XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XXXX, in response to cfpb complaint XXXX, Specialized Loan Servicing promised to send a refund check to me for fees they collected improperly after taking months to reply at all. 

No refund has ever been provided. So they don't keep promises to the CFPB either!

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 2019-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 I saw on XXXX XXXX XXXX and XXXX were reporting that between XX/XX/XXXX and XX/XX/XXXX my balance increased from XXXX to XXXX dollars. On XX/XX/XXXX I drove to my local Kohls store to ask why as to the best of my knowledge neither my wife or I have used this card. Store clerk said I would have to call the 800 number on my card as she had no way to tell, I paid the XXXX dollars with her and went home. On XX/XX/XXXX I called the 800 number and was told that since my wife was the primary on the account he could not tell me what the XXXX dollars was for. My wife has been in the hospital since XX/XX/XXXX and still is. All I wanted to know is what the XXXX dollar charge was for. I spoke to a supervisor and he told me the same store that it was Kohls policy to only speak to the primary account holder. 

I asked how do you have the right to place anything on my credit report and yet wont tell me what it is and he related that was Kohls policy. I don't feel this is moral, I really cant believe it is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
I made my monthly payment then send in an additional payment with request that it be applied to pay my principal but this additional funds was not applied to pay my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: CA

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. 

XXXX  XXXX ; XXXX XXXX ; XXXX   XXXX XXXX ; XXXX XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 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: MoneyLion Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing XXXX had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to XXXX. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with Moneylion finally on Tuesday XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: GA

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. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; SOUTH CAROLINA 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 2019-07-05 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: SC

Complaint narrative:
My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing Equifax had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to Equifax. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with XXXX  finally on XXXX XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.

Company response to consumer: Closed with explanation