vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX resident of XXXX, MN and here is my complaint : Personify Financial has been sending me numerous advertisements and pre-approval notices by postal mail for at least 6 to 8 months now. I have thrown them away each and every time. However, in XX/XX/2019 I thought to myself to give it a chance since I wanted to pay off some credit cards since the holidays are forthcoming. I submitted the application to personify financial under the impression that personify was the actual lender. After accepting the loan, I discovered through NMLS consumer access that Personify Financial is not the lender, but it is a debt buyer which means they are not regulated at the federal level. The lender was Applied Data Finance LLC who is not registered to do business in the state of Minnesota. Apparently this is how these so-called debt buyers get away with illegal interest rates. I have attached the documents below regarding the loan, and please give me a call directly at XXXX for more details, or you can also reach me by email at XXXX Please help me take action against these under-the-table-wrongdoers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
First, this is a prepaid debt card issued to me ( XXXX XXXX ) in the form of a rebate for an unrelated purchase. 
I have tried using the card multiple times for on-line purchases but find most vendors won't allow multiple payment methods ( ie : two different cards ). So I have been limited to a purchase less than the balance on the card. 

The debt card has a balance of {$15.00}. The card just expired XX/XX/19. 

I called the number ( XXXX ) on the back of the debt card and asked to reinstate the card that I may access my funds and was told the card can not be reinstated. 

Cardholder agreement ( https : //www.myprepaidcenter.com/site/visa-univ/standard/visa-terms ) states " After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance ''. However Visa claims this can not be done with my debt card. I requested they send me a copy of the Cardholder agreement supporting their claim but they were unable to comply. I had spoken to a supervisor at the call center. 

To summarize, I have a recently expired debt card with {$15.00} on it. Visa is stating I must forfeit my balance to them. 

This is not a lot of money, but this sounds really wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH 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 non-monetary relief
Consumer complaint received 2019-11-06 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX, I received 3 phone calls from the Chase Bank Southwest Premier Customer Service number : XXXX. I did not pick up the first two times they called, as I did not recognize the number. After the third call, I thought it may be an emergency, so finally I picked up. The person on the other side was a male voice, who said he was from Chase Fraud services calling me to verify if I had made two recent transactions. The first he mentioned was from XXXX XXXX for an amount I cant remember exactly but somewhere in the {$200.00} range. I said I did not authorize that transaction. Then he asked me if I made another transaction for around {$200.00} at a place I didnt recognize the name ( I also dont remember exactly what place that was ), the name had the words XXXX  or XXXX  in the name. I told him I did not authorize that transaction either. He then said he would cancel the transactions for me and cancel my credit card ending in XXXX. Then asked me to confirm my identity using a 6 digit code he was going to send to my phone. I received the text message 5 minutes after I received the incoming call from XXXX ( at XXXX XXXX  ) and I didnt read the what the text message said, I just read off the number to him. He then said to confirm my address so he could mail the replacement card to me, so I gave him my address. He said I would receive the replacement card in 3-4 business days. When I didnt receive the card by the 5th day, I thought it was strange. I had not received an email confirmation that my card had been canceled nor did I receive an email stating a new card was being shipped out. Thats when I checked my Chase account online and noticed the charge to the XXXX XXXX for {$2400.00}. I immediately called the Chase number on the back on my card to report the fraudulent charge and told them this same story. Apparently the person who called me was spoofing the Chase Fraud Services phone number and used the 6 digit code to authorize my credit card to be used on an XXXX XXXX  XXXX. 

After sending Chase Fraud services evidence of the text message with the 6 digit code they had sent me as well as a phone record that I received an INCOMING call from their Customer Service line on XX/XX/XXXX at XXXX XXXX, they still denied that the {$2400.00} was a fraudulent charge and said I was responsible for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
CREDENCE RESOURCE MANAGE # XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ) and ( FDCPA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute needs to be validated by a proof of claim or contract.I am requesting the verification to follow reasonable procedures to Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: NY

Complaint narrative:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.

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 2019-11-06 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: NY

Complaint narrative:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
SYNCB/PPC appeared on my credit report when checking online credit report via XXXX XXXX website. Upon further research this is paypal. While it is true that I have an paypal account I never signed up for the credit card portion of the site. 

It is listed as being opened on this date but ive never seen it appear until just today XX/XX/XXXX when checking my report. I check it monthly usually. 
XX/XX/XXXX ( 3 yrs, 10 mos )

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 2019-11-06 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: PA

Complaint narrative:
On XX/XX/2019 I checked my Transunion credit report to find that my score unexpectedly dropped from XXXX to a XXXX. When I called the company to inquire as to why my credit score dropped ( I received no prior warning for I subscribed to Transunion credit alerts and did not receive an alert for this ) m the customer care specialist kept asking if I knew " The three factors that adjust my credit score '' When I said no she said I'd have to purchase my credit report ( for {$9.00} ) When I told her that I felt I shouldn't have to pay to get an answer for a relatively simple question she said she couldn't help me. I ended the conversation saying that if I didn't get a response in writing by Friday I'd get a third party involved. On XX/XX/2019 I tried calling to inquire to see if there was an error that perhaps I could give information on and shed some light on the matter but the company 's phone line was unresponsive and I interpreted this as the company was unwilling to co-operate with me to seek an amicable solution. ( Note : The Attachments titled XXXX complaint have nothing to do with XXXX directly, they are to show my previous credit score before the incident ).

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 2019-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
Prestige Financial Services Administration wants {$17000.00} for a XXXX XXXX XXXX  XXXX and dealerships and car buyers are offering less as car value has decreased with XXXX miles and year. 
Vehicle is in excellent condition. 
Also, the interest rate of 17 % is keeping balance balance at a freeze and instead of balance going down it keeps going up each month. 
I requested a settlement payoff and Prestige Financial Services Administration wants {$17000.00} in which XXXX XXXX and XXXX XXXX value is at around {$6.00} to $ XXXX. 
Nobody is going to pay $ XXXX for this car. 
I am trying to sell car so l don't have no more car payments as l am respectfully XXXX XXXX and Retired. 
I can't afford the payments of {$440.00} or $ XXXX.and paying a high interest rate of 17 % since XX/XX/XXXX till Present. 
Prestige Financial Services Administration interest rate program in me giving my bank checking account ACH is not permissible. 
Since XX/XX/XXXX, Prestige reps stated to get a low interest rates l need to have a ACH bank account and program and have payments taken out of my checking account each month. 
{$17000.00} and Prestige stated they will do legal actions and repossession if l don't pay the car payments each month. 
I am forced to make payments and have a high interest rate. 
Dealership and Consumer will buy vehicle around {$6.00} to $ XXXX depending on the value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus on XX/XX/2019 after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are XXXX  XXXX XXXX acct no. XXXX and account no. XXXX. 

After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. 

I have done this and mailed this information on XX/XX/2019 the credit bureaus are ignoring it. 

I have also sent My FTC Identity Theft Report directly to XXXX  XXXX XXXX. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Apparently neither the credit bureaus and XXXX  XXXX XXXX are ignoring the Federal Law and continuing to report fraudulent accounts. 

Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS Im writing because I noticed that my most recent credit report contains an account that was already PAID/SETTLED reported on XX/XX/2018 for my account. 
I want you to know that I understand my financial obligations, and if it werent for PERSONAL HEALTH ISSUES Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made good on the account Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a HOME mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
On XX/XX/19 at XXXX I was served with a court summons by THE CHERRINGTON FIRM, LLC for outstanding medical debt to XXXX XXXX. The amounts where listed as follows : {$240.00} for valuable goods and/or services {$72.00} for pre-judgment interest and collection costs {$350.00} for attorney fees I called and spoke with " Candy '' who assisted me in settling the debt. I agreed to an initial payment of {$320.00} which was processed and cleared. Along with this a second payment of {$340.00} for XX/XX/19. During this conversation I was told that they would reduce the price of legal fees by {$75.00} as long as they received payment in full with 10 days of being served the notice. Based on the total payments made, {$6.00} service fees withstanding, this agreement was not upheld. 

On XX/XX/19 I received a phone call from THE CHERRINGTON FIRM, LLC asking to process the payment. They made no mention of the automatic payment failing but I later found this to be the case. When I spoke with them I authorized a payment of {$340.00} which should of settled my account. Later on XX/XX/19 a second payment of {$340.00} was charged to my account. I called immediately upon noticing the additional charge, but there office had closed for the evening and subsequent weekend. 

I Spoke with the office on the morning of XX/XX/19 explaining what happened and that the erroneous charge had caused my rent payment for the month to fail. They said the money would be refunded immediately. 

I drove down to the office of THE CHERRINGTON FIRM, XXXX on XX/XX/19 to receive in writing the amount that was being refunded in order to avoid any issues with my property management company. When I was being told what happened they stated that is common practice in there office to rerun any denials on credit card transactions later that same day. Despite my account being paid in full the card was reran and charged for money that was not owed. 

The charge for {$340.00} was refunded in full on XX/XX/19 though the returned rent payment has already incurred a fee and any other outstanding fees caused by this incident are still forthcoming.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-11-06 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: MA

Complaint narrative:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2019 I received the following unsolicited message from Chase that included advertisements of Chase 's mobile app - a service that I am not interested in and of which I never requested any information from Chase. 

In the past I requested Chase several times not to send me unsolicited email messages. I had also forwarded some of those unsolicited message from Chase to them via secured messaging system, but Chase has not stopped its practice of sending unsolicited messages advertising its optional services to me. 

Since the use of Secure Messaging system on Chase 's website is not effective, I am requesting CFPB to forward to Chase my request not to send me messages similar to the attached message. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-11-06 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief