vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 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:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am getting collection letters from Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, WA. XXXX ). It is for a energy bill {$460.00} for XXXX XXXX company in Texas. I have lived in California for the last 27 yrs I have never lived in Texas or owed any property in Texas. I have no relatives that live in Texas. 
I can prove my husband and I have had XXXX XXXX   XXXX for the past 27 yrs. 
All of our utility bills are in my husbands name and always has been. Before living in Calif for the past 27 yrs we were in the XXXX XXXX again never lived in Texas. I do not believe my id has been stolen because this is the only problem I have ever had. Last yr I wrote to the credit agency that had Convergent on my credit report to say this is not my debt I thought it was cleared up did not hear from Convergent until 3 weeks ago wanting me to pay again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I lodge this compliant as a follow up to my call with the Consumer Finance Protection Bureau on XX/XX/XXXX. Call Reference Number is XXXX. 
As elaborated on the call, on XX/XX/XXXX, my fiance ( now my wife ) and I walked into the XXXX XXXX  store in XXXX XXXX   to purchase her engagement ring and our wedding bands. 

After picking our rings, we were ready to pay for them when the sales associate offered a promotional plan where we make a down payment and then the balance made over 18-monthly payments at 0 % interest. 

We accepted and the sales associate went ahead to calculate the down payment amount of {$1400.00} for which we paid for, leaving a balance of {$5300.00} to be made in 18 monthly installments. She then went ahead to let us know that we should keep an eye out in e-mail/mail for the credit card which supports the financing as well as the first billing statement. 

The first bill statement was sent in XX/XX/XXXX and stated a due date of XX/XX/XXXX. We made the first installment payment of {$300.00} on the basis of a 0 % interest and 18 monthly installments as was explained to us at time of sale. ( That is {$300.00} x 18 ). 
Following that, we set a direct debit standing order to consistently settle monthly payments of {$300.00} on time with no defaults, and made the final payment of {$260.00} on XXXX XXXX to close out the card. 

We were thus utterly shocked when on XX/XX/XXXX, I got an e-mail from Comenity Bank that payment was due for {$1200.00}. I first engaged Comenity via e-mail on XXXX XXXX to flag and dispute this amount as an error and they explained that final payment was due by XX/XX/XXXX for the promotional period and because we were 5 days shy of that date, we are being charged with all interest accrued over the period. 

Several messages and calls have been made to Comenity since then to explain that what we were sold at XXXX was exactly what we abided by, but they fail to understand. 

Even worse, while we are still having discussions with Comenity to resolve this issue, we discovered a delinquent report sent to XXXX  and an adverse hit of 102 points to my credit score.  This directly goes against their terms as noted behind bill which states that while a mistake on a statement has been notified, Comenity will not collect the sums due in question nor report any delinquency to credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XX/XX/2020 toXX/XX/2020. I received an American Express Cash Magnet card from Amex. I originally entered all my personal info to get the card and then again to confirm it. I can not log-in or use my card. I called Amex and got XXXX where an operator said she could not assist me because the account did not exist. I asked to speak to a supervisor or someone in security and she hung up. I tried several more times to log in using the card # they sent me and the online site said it did not exist. I can not even cancel the card because XXXX told me they have a record of me but not my car, click.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
On XX/XX/2018 my XXXX year old saw a doctor. She has VA XXXX at the time. After MULTIPLE harassing phone calls to not only my phone, but the mother of my daughter, she called and for the 3rd time gave them my daughters insurance information. Which they continued to bill me instead of the insurance. I verified that the insurance was active at that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One is putting fake information on their website. They have 0 % APR for 15months on purchases and balance transfers. I applied and went I received my card all the information given on website was fraud. My APR said it was 26 % with no and never said anything about the offer they offering which was the 0 % APR for 15months. I called Capital One customer service to see what was going on. Thinking they maybe had done a mistake. To start off they had me on hold for 10mins trying to figure out what happen. Person I was talking to said I apologize and didn't know what else to say. I asked to talk to the manager which she kindly transfer me to their account manager. And again same thing he said was Im sorry, but we have on file is that theres no 0 % APR for 15months. He said it all depends on your credit score, but lies the website says ( if your approved the APR will depend on your credit score never says depending on credit score you'll be eligible for 0 % APR for 15 months. I had to canceled that credit card and take the fact that my credit score will be affected. Who knows what else they are lying about I didn't want to took the risk and canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: CA

Complaint narrative:
I sent a request to investigate to remove these unauthorized inquires on XX/XX/2020 and again on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My XXXX year old daughter 's account was hacked. She called the bank ( NFCU ) and was given a new account. This happened the 1st week of XX/XX/2020. Now they've applied the fraud to her account and here it is almost XXXX and she still hasnt recieved her money. She had nothing to do with this and I dont know why they are holding her money. I have been given 3 different dates and have been treated very poorly as a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: CA

Complaint narrative:
XXXX/XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account XXXX XXXX  XXXX/XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account DUVERA BILLING- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account XXXX  XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Account BEING LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
1 ) On XX/XX/20 I received an email from 53 saying " my online account was locked. '' This was due to nothing I did. 53 wants a {$500.00}. Balance in this account. I called 5 times and held 30 minutes each call-in answer. I think it's illegal to not let clients see activity on their account opening it up to FRAUD activity. This is criminal and corrupt and a bank should not be allowed to do this. I made no attempt to access-This was Not caused by me. A bank should be charged a daily fine for not allowing money holder to see it. Especially when a balance is required. I EMAILED MERCY, BANKER ABOUT NOT HAVING ACCESS BUT CALLING 53 AND 2 ) NO ONE WAS ANSWERING PHONES. N53 BANKER DID NOT RESPOND EITHER. THIS IS SERIOUS INFRACTION AND 53 SHOULD NOT BE ALLOWED TO BLOCK ACCOUNTS. TODAY IS SUNDAY XX/XX/2020 AND 53 CUSTOMER SERVICE IS CLOSED. I CALLED ALL DAY XX/XX/2020 BUT COULD NOT GET THROUGH CUSTOMER SERVICE-THIS IS INTENTIONAL BY 53 OR THEY SHOULD BE REQUIRED TO HAVE STAFF PRESENT ANSWERING PHONES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: FL

Complaint narrative:
Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX  XXXX XXXX  XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched statements XX/XX/XXXX & XX/XX/XXXX. USAA SAME DAY FRAUD INVESTIGATIONS END COMPLETE THE SAME DAY THE INVESTIGATION IS BEGUN. .Investigations can NOT be Accurate or are Not done at all. ALL TEMPORARY CREDITS to begin an investigation BECOME NEW CHARGES the SAME DAY BEGUN. Many are paid by merchants BEFORE TEMP INVESTIGATION CREDIT.This temp credit Not made permanet IS NOW A NEW CHARGE. XXXX Beginning Fraud Same Day Credits XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} TOTAL CREDITS for this period {$450.00} are from merchants and my payment NONE ARE USAA CREDITS?? Of the SAME DAY FRAUD INVESTIGATION TEMP CREDITS PAID BY MERCHANTS are XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} NO USAA CREDIT IS NEEDED or provided. MERCHANTS COVERED FRAUD but XXXX XXXX XXXX XXXX XXXX XXXX ARE NOW NEW PURCHASES I DID NOT PURCHASE A SECOND TIME.??? XX/XX/XXXX SAME DAY TEMPORARY FRAUD CREDITS to begin INVESTIGATIONS are XXXX XXXX are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAID BY MERCHANTS {$280.00} NOW A NEW CHARGE XXXX XXXX XXXX XXXX XXXX ALL PAID BY MERCHANTS DURING THAT PERIOD AND NOW ARE NEW CHARGES same day AFTER MERCHANTS PAID TO COVER FRAUD???. TOTAL CREDITS for this period are {$910.00} ALL ARE FROM MERCHANTS NO USAA PERMANET CREDITS TO REVERSE.??? USAA COMPLETES FRAUD INVESTIGATIONS THE SAME DAY THEY BEGIN.??? NO Accurate INVESTIGATIONS ARE DONE BY USAA. NO USAA PERMANET CREDITS ONLY MERCHANTS CREDITS???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: FL

Complaint narrative:
Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Reopening complaint XXXX Company responded would send paper bills, never received paper bills or letter that they attached here. Still getting emails stating my statement is ready. Have not been able to pay now for 3 months. 20+ harassing phone calls a day asking for money, 10+ emails trolling asking to log into my account to pay which is what started this complaint and now putting on credit scores no payments. This company is a scam and the person that responded is a liar.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-01 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:
Experian is recording a fraudulent account in my name XXXX  and XXXX  deleted account over 7months ago I need help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX  is recording a fraudulent account in my name XXXX  and XXXX  deleted account over 7months ago I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NC

Complaint narrative:
I travel a lot because I am a XXXX XXXX. I try to make sure my information is secure and safe but it has still been compromised. For the past 8 months I have been submitting in disputes as well as calls to Equifax about the fraudulent data they are reporting on my credit report. One thing that really irritates me is they report fraudulent accounts/data but fail to list the name and account numbers of the accounts which makes it hard to dispute. I have had to do a lot research to gather the information. 

Anyway- I have enclosed a copy of my police report that was filed. I have also had the police report notarized and I have included the police captains business card in case anyone has any questions. I have 4 fraudulent accounts on my Equifax credit file and unanswered/unknown inquires that have been posted to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
Portfolio Recovery has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with Portfolio Recovery to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX  report is a XXXX XXXX XXXX from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX  to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for and received a Chase Freedom Unlimited credit card. It stated that I would receive {$200.00} if I spent {$500.00} within the first three months, which I did. Now they say it will only be {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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: KY

Complaint narrative:
I have credit inquiries on my transunion report from XXXX XXXX  and XXXX XXXX that I did not authorize. They are reported on XX/XX/XXXX. I also have inquiries from XXXX on my report that I did not authorize on XX/XX/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