vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I received my first letter stating I needed to pay amount due {$92.00} for a medical bill around XXXX. I have letter to upload. On XXXX I paid entire balance in full. I will upload credit card statement. Then earlier this week I receive collection notice from PFC Professional Finance Company stating  I owe {$0.00} Principal balance but I owe {$0.00} cents for interest. XXXX cents. I said XXXX  cents. 
Back of letter also states " As of the date of this letter, you owe the amount indicated under the amount due on the front side of this notice. Because interest charged on account from the date the account was placed on collections ( which was {$0.00} balance ), the amount due will increase daily because interest charges will continue to accrue. If you would like the most current information concerning your balance prior to paying the account please call XXXX '' nowhere have I seen anything about interest on any paper work until this collection notice. The paper the sent me with envelope cost more than XXXX cents. I feel PFC is breaking FDCPA guidelines for threatening me with daily additional interest. How can charge interest on a {$0.00} balance. Medical billing do not charge interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My estranged soon to be exwife filed a bankruptcy that i was not a part of and she used our home that has both our names on the loan an deed without my knowledge or permission. I was never notified of this action by anyone. I found out after i was XXXX. But now Chase is reporting on my credit report that this account is closed even though i am still responsible for the balance and the mortgage payment and i make it every month but i do not get credit for doing so on my credit report. This is a large portion of my credit. On my report they are saying this account was closed on XX/XX/2017 and it may be on her. But it is not cloed on me. I have called them on 5 different occasions just to get told they can do nothing about it. She filed bankruptcy not me but i am being punished and yet if i don't make my payments i lose my home because this account is not closed for me. It is open and i am paying it. I had to catch up back payments to keep from forecloser yet i get not credit for any of my payments it has me in such a way that. After my semi trucked burned my credit score wont even let me get a loan to teplace it. It is about to ruin me because of this misreporting on my credit. It is about to ruin me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I replied to a job hiring for a XXXX XXXX XXXX XXXX on XXXX. I text the person and he lived about two hours from me. So I said sorry j wasnt j terested Shortly after, he called me at XX/XX/XXXX and advised me to log on to Experian and her my credit report. Having done some research previously, I know that obtaining your credit report is free one time a year. He had now called me twice the following day on Sunday and really is pressing to obtain my name and pushing to encourage me to complete the experion.com form. After which I assume he intends to ask for my password to " analyze '' my score. He has called from two numbers so far. XXXX and XXXX and the only name I know him by is 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 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I submitted dispute of {$1.00} on XXXX for that I was unfairly charged " Processing Fee '' by the " XXXX XXXX '' company without my knowledge. I did not authorize " Processing Fee '' and it was not disclosed when I made the transaction. I attempt to make several contact with vendor but I couldn't connect with any one on their phone system. I received Email fro
m BHN Support asking for document showing attempts to workout with the vendor. In the same Email BHN also mentioned that they are going to close my case if I don't provide the document within one week. I provided the document within the time frame on XX/XX/XXXX. 

However, there is no response nor update from BHN support. I sent follow up Email on XX/XX/XXXX and still receive no response as today XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2018 I set up a automatic transfer of $ XXXX. from my savings account to my checking account. I have direct deposit for a service-connected XXXX. I gave my debit card to a friend to pay bills and send me money while I was XXXX. I also gave him my laptop for safe-keeping. 

In XX/XX/2018, after not hearing from my friend and sensing something amiss, I wrote at least two letters to my US Bank branch , which it neither replied nor have any record of. On XX/XX/2018, in addition to the auto-transfer of {$500.00}, another {$360.00} was also transferred. This transfer could only be happen with access to the Online Banking which I never gave my friend permission. The only access with the laptop. 

On XX/XX/2018, US Bank tells me it found fraud on the account. Instead of contacting the account holder ( me ) of the fraud, US Bank disabled only the Online Banking but left access to transfer funds at any ATM. The account was finally completely blocked after someone requested 6 new debit cards in two weeks. While the new debit cards triggered letters and red flags to my account messaging, there are no messages or red flags around the date of XX/XX/2018. 

During fourteen months, I received {$14000.00} of VA Disability.  Less {$7000.00} for auto-transfer and {$410.00} remaining in the account, leaving a loss of {$6800.00}. I feel US Bank acted negligently when receiving concerns by me in XX/XX/2018, the bank did not reply. A second incident occurred on XXXX XXXX, 2018, in that the bank discovering fraud on the account, merely disabled Online Banking, and therefore, exposing the account to further fraud. There appears to be very little information available from US Bank. 

At one point, the friend went into Online Banking and changed the phone number and the email address, yet there was no notification of that change was provided at the time. Had US Bank acted in the best interests of the account holder, the bank would have blocked all debits until it heard from the account holder.

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 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mar Joe Enterprises
State: SC

Complaint narrative:
I called CBC to inquired about the debt owed. The representative informed me that I owed a debt of {$19.00} and that she didnt see a debt being owed for XXXX.. I paid the debt for {$19.00} which was total for {$24.00} since I paid it over the phone. The debt for {$180.00} is still being showed as owed on my credit report from this company..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have disputed this account as a fraudulent account. I filed a police report, signed an affidavit and submitted an FTC Complaint. Since then the original account from XXXX XXXX XXXX was removed from my credit file. But also since they have sold the account to 3 collections agencies. 1st- XXXX XXXX XXXX 2nd- XXXX XXXX and now 3rd to I.C Systems. I have not received an communication from the collection company or else I would have told them it was fraud. I should not have to be subject to my private information being used and sold to a potentional fraudster. I am a victim of ID theft and this account should have never been able to be sold for a 1st 2nd or 3rd time. 
**** Please Note the Fraudulent account was removed each time from each collection company. However the I.C Systems account which was placed on my credit file in  XX/XX/2019, was not. ***** This account needs to bee removed from my file again for the 4th time. Im going to have the Consumer Financial Protection post/pin this information because I am sure I am not the only one that this is happening to. Having to send my personal documentation every time XXXX XXXX XXXX and their 3rd parties try  to asesnate my character has become more time consuming and costly and it is affecting my good name and ability to manage my personal well being.

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 2019-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I paid my account off in full prior to the due date. I paid a large payment on XXXX, then the remaining XXXX on XXXX. My account due date is the XXXX. On XX/XX/XXXX, the creditor charged me {$62.00} in interest charges, saying although I had paid the card off in full, I had carried a balance for the prior month. The current interest charge was the interest charges for the current cycle. 

Their card agreement says the cycle is 25 days, they will not charge further interest unless you have made charges during the cycle. I did not have any charges since XX/XX/30. 

They refused to waive the interest even though I have paid the account in full, and by their terms. This used to be illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I strongly believe Capital One has discriminated me due to me age. I am XXXX yrs old and applied for a Capital One credit card. I had credit scores of XXXX XXXX and XXXX with XXXX  and XXXX   Capital One 's reason for denial was very very vague. First they used my lowest credit score with XXXX they also said I had : 1. Too many recent inquiries : seriously I have had 3 inquiries in last 6 months, 2 of those are on the same day with XXXX opening a checking account & Credit card 2. Too many new revolving accounts. I opened 2 new revolving accounts in last 60 days, since when is that an issue 3. Recent credit Bureau inquiry :?? seems this is the identical reason as # 1 just worded differently to make it seem like a separate issue. 
4. They claim my credit limits on recent " XXXX '' accounts. What the XXXX?? My recent XXXX is {$20000.00} and XXXX XXXX is {$10000.00} Capital One also conveniently did not mention that I have no mortgage. My home has been paid off for the last 20 yrs, I have no car payment, I do not pay car insurance. My debt to ratio is under 3 % and I have over a XXXX  dollars in assets. I would love to compare my credit report with others who Capital One has approved for credit. This is clearly Discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: MS

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-13 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: MS

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've received CFPB paperwork in regards to this complaint with # XXXX. 
Many years ago I opened a credit card account with Sears. And then I realized that it's no longer Sears but rather Citi Bank Master Card. Therefore the card was taken over by Citi Bank without my knowledge or agreement and the new higher interest rate was imposed. I did reach out to Citi Bank and asked them to clear the situation and I specifically refused to have anything to do with Citi Bank and all XXXX credit cards that they issued on my name without my knowledge but it was never resolved.

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 2019-10-13 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: MS

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was mislead to believe that I had 24 months no interest, come to find out it was deferred interest. I had originally financed {$18000.00} on XX/XX/XXXX I had it paid all the way down to {$4500.00} on XX/XX/XXXX and they just hit me with a {$7900.00} interest charge!!! I called synchrony bank and stated I would gladly pay the {$4500.00} balance in full but they will not except that. I really need to get to {$7900.00} and 84 % interest charge off of the account and I could afford to pay the remaining balance.

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 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XXXX I ran my credit report through Experian..it was missing my primary mortgage information of 16 years..over 4 months I called Experian 7 times ... my mortgage company 6 times ... the mortgage company kept transmitting the credit reports and even tried to reinsert the loan information ... Experian said that it manually removed the information some years ago due to my chapter XXXX bankruptcy in XX/XX/XXXX ... although the mortgage was never part of the bankruptcy and did not require a reaffirmation of debt ... XXXX and XXXX both still receive the information XXXX Experian said that nothing can be done about the issue even though it was their mistake ... this is costing me the essential credit numbers to refinance my home and has cost me additional money in the loan of a car bought recently due to a lower 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 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
We are receiving repeated robocalls from someone claiming to be Harris & Harris.. 

The recording states that they are Debt. Collectors and instructs to call their number XXXX.. 

The recording provides no information as to the reason for the call, or the nature of any possible debt.. We have been receiving these for approximately six months.. 

After attempting to report this action on the FCC 's Don Not Call Complaint site, and was informed that Debt. Collectors are not bound by the Do Not Call Rule, I posted here..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I recently purchased a prepaid PayPal debit card from a convenient store, I set an account and download the app. I downloaded the non prepaid app as well. ( The PayPal app that allows a person to send, receive funds online, etc ) I made my prepaid account and then thought it was connected or associated to the original app, but when I tried signing up for the no prepaid account, it said I already had an account. I tried putting in my current email and # but it wasn't the correct information associated with the account, I tried other emails in which I no longer have access to as well as old numbers I've had in the past that I no longer have access to and found both a matching email and number. But the crazy part about this while situation is that I never made an account with PayPal prior to making the prepaid onlme account. Therefore I believe someone has hacked my email because when I tried to recover the email that ls linked to the non prepaid account, to try and gain access to it, I wasn't successful due to the recovery email that was now on file with the email I no longer have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed several disputes complaints with Equifax, XXXX and XXXX complaining about the errors from credit companies are false. Incorrect dates supposedly I opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: TX

Complaint narrative:
I have filed several disputes complaints with XXXX, TransUnion and XXXX   complaining about the errors from credit companies are false. Incorrect dates supposedly I opened.

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 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio Partners has put a debt on my credit report that was taken off one month then they put it on the next after it was closed. I asked them to stop calling me and even blocked their number but they still call. They list the debt as being opened this year. That is false and against my rights as a consumer to report any incorrect dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 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:
This is a very personal situation That someone has have access to my Information to create False accounts under my Name I need a fraud alert Under my Social Security number. I did not allow anyone to open any accounts under my name. I cant Understand how this is possible, This situation need to be fix so others don't go through this situation of what I'm going through

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