vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
About 5 days AFTER i closed a credit card account for fear of fraud XXXX XXXX  actually allowed 2 transactions in the amounts of {$1100.00} & {$630.00}, both from XXXX. I disputed these, have heard nothing back, tried calling the person handling the case, left a message on XX/XX/XXXX. As of XX/XX/XXXX, still no response. However, when XXXX XXXX reported to the credit bureaus they reported no history, no balance and no credit limit, when in fact I did have a small balance around {$120.00}. They knowingly reported inaccurate information. WHY? 

Further, overcharges, charges a fee of {$10.00} to make a payment to the card and has a scheme forcing card holders to pay {$10.00} just to make a payment over the phone using a debit card and have it credited immediately, otherwise all payments are held for 7 business days. We all know it NEVER takes 7 business days for a payment to process. 

However, for a card holder who wants access to their available credit the next day they must pay by debit card and pay a fee of {$10.00}. Oh and none of this is explained in the agreement while applying for their card. Incredibly greedy and unscrupulous, XXXX XXXX  wants to charge a card holder to pay them. The worst loan sharks dont charge to pay them, seriously! 

Congress and Politicians wonder why Americans are so XXXX XXXX these days, the far right trying to take over the Capitol Building and the far left trying to destroy Hedge Funds. People are sick and tired of Government and Corporations abuse, thats what is truly happening and it is going to get worse unless the XXXX lawmakers who work for the people start actually freaking working for the people. Yes, I am posting this on the XXXX  feed and with those XXXX XXXX supporters. Exposure is the best way to end the abuse. 

To reiterate my primary issue is ; XXXX XXXX  for reasons unknown to me reported that I have no credit limit, no balance or history to the credit bureaus. They deliberately reported inaccurate information for the sole purpose to harm me and their CEO XXXX XXXX XXXX XXXX approved this policy as a way to retaliate against card holders who file a complaint. 
WE all know corporations retaliate, correct?

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 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I get an account from SYNCB/HOME DESING FURNITURE XXXX which is not mine I have not applied for credit I want them to review and investigate I have not authorized the furniture store to give credit on my name .i the past i had an account with them my debt with them was XXXX and it has been paid since 2015 always I made my payments and I do not owe anything now I have an open account for XXXX whose account I do not authorize and its not mine.

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 2021-01-29 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:
These 2 accounts, I do NOT owe! I don't even know why it's even on my credit. Please remove them immediately. Thank you. It could be from my ex-wife 's 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 2021-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had CAREcredit credit card and I paid the entire balance on time and in full. After the balance was paid, the issuer cancelled my card and even though I meet the requirements for a new and/or old account, they will not approve me. I was told there is no one I can talk to about it and no one can change the automatic response of denial.

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 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Spoke with the Midland credit agency about the collection in regards to my account XXXX XXXX Social Security number is XXXX the actions claim by this agency or fraudulent and behavior spoke to multiple representatives who claim that the incorrect information is on the account and collection is due for a third-party vendor for a medical agency and try to resolve this information and resolve this issue via the credit bureaus also called directly to associate and attorney with the case Midland credit XXXXid refuse as well I need to contact the attorney generals office for a conditional removal immediately from the credit report and all agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 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:
some unknown person person got a hold of my credit information and used it fraudulently.. as a result numerous collection accounts are listed on my credit report i would like to have them removed.

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 2021-01-29 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:
These 2 accounts, I do NOT owe! I don't even know why it's even on my credit. Please remove them immediately. Thank you. It could be from my ex-wife 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My attachments will describe the issues which involve : 1. XXXX  failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.

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 2021-01-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My attachments will describe the issues which involve : 1. XXXX failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
I had fallen behind in my car payment and needed to catch up. It took me a few months, but in XXXX I finally paid my balance du in full on XX/XX/XXXX through Citizens bank online portal. The portal showed a {$0.00} balance due once I made the payment. I received my XXXX bill from CItizens bank and it showed no payments due in XXXX and no past due amount as well as no fees due. The bill showed all XXXX  and a total payment due of XXXX. I went online to pay my regular XXXX payment and noticed that my monthly payment was significantly more than it typically is. I called citizens bank and spoke with XXXX ( not sure of spelling ). He wasn't sure what the reason was. He had me on hold while others tried to determine why. He eventually came back and stated that it was due to late fees. I told him about my XXXX bill and he agreed that he saw it had a {$0.00} due and then placed me on hold once again. HE came back with the same answer. I asked him to send me a copy of all the statements showing any late fees and then I asked to speak to a supervisor. 
It was at this point that I reached XXXX XXXX who said he was out of the call center in PA. HE proceeded to tell me that I had 11 late fees over the life of the loan and that this was what the extra fees were for. I have had this car loan since XXXX and this is now XXXX. Why would they not appear on previous billing statements and all of a sudden appear on my XX/XX/XXXX bill when the previous two months show I had paid in full. This is not fair or being transparent. And it does not make any sense. Why show a XXXX  payment due if there were payments due. I don't feel that I still owe any late payments. I feel it is only fair and honest that they stand by their own portal and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I contacted this company to pay the debt I owed. We agreed to settle as long as the debt was removed from negatively affecting my report. And it never was. Debt was paid as of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry :XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX THESE HARD INQUIRIES WERE PUT ON MY XXXX  CREDIT REPORT WITHOUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CORELOGIC INC
State: CO

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-29 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Retrieved free annual credit report. Experian created an account for me that I did not want, need, request or desire without my consent. Every other day I've gotten a marketing email. The fine print states the email has important account information -- suggesting its exempt from marketing opt-outs -- while clearly baiting consumers to engage sign up for a service. I have replied half a dozen times to remove/stop/opt out. Each time getting an auto reply stating I've been unsubscribed -- only to get another email two days later. There is no number to call. The email has an account number created by Experian using information I provided to receive my free annual credit report. It was not intended to create an account or be subject to endless unscrupulous marketing. Please investigate this practice and get them to stop. -- - Email Received after half a dozen opt outs ( with confirmations ) below -- - ( Note there is no opt out and the deceptive language used ) You have a free Dark Web scan available We will scan over 600,000 data points on the Dark Web for your SSN, email address and more. Don't you want to know if your info is compromised? Run scan now XXXX XXXX XXXX XXXX XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. Privacy Policy 2021 XXXX XXXX XXXX. FICO is a trademark of XXXX XXXX XXXX. 2021 XXXX, XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US

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 2021-01-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, at my local bank branch, I opened a new credit card account with -XXXX- balance transfer and no transfer fee features for the purpose of paying off ( at another institution ) a {$28000.00} -XXXX- balance transfer account expiring XXXX. I arranged for a credit limit that would permit that transaction. I subsequently received a " Cardmember Agreement '' and " Cardmember Agreement Rates and Fees Table '' in the mail. The latter stated " Balance Transfers : 0 % Intro fee on transfers made within 60 days of account opening. After that : Either {$5.00} or 5 % of the amount of each transfer, whichever is greater. '' on XX/XX/XXXX, I called the bank 's XXXX # and requested the transfer, only to be told that the bank 's policy permitted only {$15000.00} to be transferred at that time and that I would have to wait until my next cycle closed ( estimated at XXXX ) to transfer more. 

THIS WAS THE FIRST MENTION OF ANY DOLLAR OR TIME LIMIT ON TRANSFER AMOUNTS IN THE BANK 'S PRINTED MATERIALS OR IN ANY CONVERSATION WITH BANK PERSONNEL. 

DELAYING THE SECOND TRANSFER FROM XX/XX/XXXX TO XXXX IS COSTING ME 18.99 % INTEREST AT THE RECEIVING BANK AND WILL TRIGGER A 5 % TRANSFER FEE ( {$670.00}. ) FROM THIS BANK BECAUSE IT WILL BE BEYOND THE 60 DAY -XXXX- FEE PERIOD. 

I appealed this situation with three phone " supervisors '' and was finally given a fax/mail ( no phone! ) contact at a so-called " Executive Office ''. I sent a comprehensive letter there requesting a waiver of the time limit based on the bank 's communication failures. 10 days later I received a phone message from some analyst saying the bank could/would not change its POLICIES to correct this situation ; it did not address the facts/circumstances of the matter as described in bold above. I called the number left in the message to discuss the unfairness ( illegality? ) of their policy and their response, but have had no response. I tried to escalate my case to higher management, but no address or phone number is available on their website and the local bank branch informed me that it was company policy not to disclose that information ( to a long time customer! )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I monitor my credit report through Equifax. I received an alert that there was a collection account added to my report. The company 's name is XXXX XXXX XXXX showing an account # of XXXX IN THE AMOUNT OF {$13.00} stating that the debt came from XXXX XXXX XXXX. I have never heard of the company XXXX XXXX XXXX. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that Equifax AND EQUIFAX and XXXX XXXX XXXX provide a copy of my signature with the provider of service to release information to them. I demand that EQUIFAX and XXXX XXXX XXXX DELETE credit reporting from my file until this debt is validated by me. Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from my Equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TX

Complaint narrative:
I reported and disputed this erroneous and predatory loan to all credit reporting agencies, every agency EXCEPT Experian complied. 
The retention- non deletion of this listing RAC  has continued to damage me and my only other recourse is a lawsuit. 
I would like this matter to be settled now but have no issue with taking it to court under XXXX statutes. 
I am asking that you intervene now as my last avenue prior to a lawsuit.

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 2021-01-29 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:
It's almost 60 days today since Ive sent Dispute regarding to those unknown and inaccurate accounts I found on my credit report. But I haven't received any response.I was so stress and I Demand to immediately REMOVE those account on my credit report or I will file a litigation.

Company response to consumer: Closed with explanation