vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
XXXX at Tower loan in XXXX XXXX Missouri, violated privacy practices by contacting, and, giving information to my husband ( who is not on the loan ). The information she gave was that I owed them money and was 3 months behind on my loan. I have contacted their main office, and, the XXXX. Yesterday this same woman, apparently after having been informed of my complaint, called and left a rude and very inappropriate message, mocking me. I have informed them of the reason for my delinquency. I did not ask them to stop calling because at that point, I fully intended to make the account current.

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 2020-02-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied and was approved for a Sam 's Club MasterCard which is owned by Synchrony Bank. A few days after approval, I received a letter via USPS from Synchrony Bank that stated : " When you were approved, we did not assign to your account the best interest rate we offer. '' It stated that I was entitled to a free credit report and if I had any concerns I could contact them and/or XXXX -- the supplier of their credit data.

I know I have excellent credit. I get a free FICO credit score every month with my XXXX credit card account. My score is always in the 800s. I also get a free FICO score with my XXXX   XXXX XXXX account and it is in the 800s as well. The XXXX  XXXX XXXX FICO score is supplied by XXXX, by the way. 

I ordered a free credit report from XXXX as suggested by Synchrony. When I received the report, I could see no derogatory information at all, so I decided to contact Synchrony Bank by phone. I asked them to tell me specifically why I received a sub-standard account when I have excellent credit. After being placed on hold for quite some time, XXXX, told me that she was unable to explain why I received the higher interest rate account. I asked to speak to someone else regarding the matter and she said she had already inquired with her manager and they could not help me. She stated the approval process was all automated. I asked her what criteria were needed in order to get the standard ( better ) interest rate. She said she did not know and neither did anyone else. I told her I would be filing a complaint. 

My concern is that this is a scam created by the credit card company ( Synchrony Bank ) to charge higher interest rates to everyone. If I have excellent credit scores and did not receive the best interest rate, what do they require in order to get the better interest rate? No one could tell me when I called and asked.

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 2020-02-18 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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

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 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2019 I created XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the name XXXX XXXX XXXX and received the XXXX letter. At the state level I accidentally created the name XXXX XXXX XXXX. When receiving a check from a customer it was made out to XXXX XXXX XXXX. I brought this to Chase bank and opened a business account along with the paperwork from the IRS. The setup my account and deposited the funds. Within a week I received a letter which stated the discrepancy between the account names and this must be corrected or the account will be closed and funds issued as a cashier check. Due to some delays and personal family issues I did not react fast enough and the account was closed. They issued the account balance as a cashiers check made out to XXXX XXXX XXXX. I tried to deposit this in another personal account but this was not possible due to the name being made out to my business. I asked XXXX If I update my business name can I deposit the check in the new account and they said no because my account name will not match the cashier check name. So I contacted XXXX and requested they re-open my account under the original name. This was declined because they put a hold on a new account with this name. Finally I was able to go to another branch and ask them to work on fixing this. They made several attempts to re-open the account and asked to have my cashiers check. They shredded it and now when trying to re-open an account I do not have the check. I signed an affidavit that the check was not in my hands anymore. They are trying to re-open the account under the original name and cut a check in my personal name then close the account. It is now mid XXXX and this has prevented me from depositing future business checks and correcting my business name with XXXX. I have asked if this can be escalated to a higher authority but they said no only at the branch level. After fighting them for over 5 months I am starting to suffer significant financial loss and seeking to get help from an attorney. Please help! Other bankers have said this is the most unprofessional thing they have seen in over 30 years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.

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 2020-02-18 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} 08 XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} 06 XXXX XXXX XXXX {$210.00} 09 XXXX XXXX  XXXX XXXX {$1900.00} XXXX   XXXX XXXX XXXX {$51.00} 01 XXXX XXXX XXXX XXXX   XXXX {$970.00} XXXX XXXX XXXX {$210.00} 09 XXXX XXXX XXXX {$450.00} 09 XXXX XXXX XXXX XXXX XXXX {$4800.00}

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 2020-02-18 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX-XXXXXXXXXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XXXX XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX  XXXX XXXX {$1900.00} XXXX   XXXX XXXX XXXX {$51.00} XXXX XX/XX/XXXXXXXX {$970.00} XXXX XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$4800.00}

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 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: DC

Complaint narrative:
I am enrolled in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX coverage. XXXX  covers all deductibles, copayments and coinsurance on services covered by XXXX. I have sent all the information needed to Americollect, XXXX XXXX XXXX, XXXX, WI XXXX, phone : XXXX ( my XXXX   enrollment information and the information they need to collect payment ) but they keep on sending me a form asking for the same information. 
This is for a bill of {$45.00} for services rendered by XXXX XXXX XXXX on XX/XX/19 at XXXX XXXX in XXXX XXXX, Florida. 
I contacted the XXXX XXXX XXXX XXXX   billing company on XX/XX/19 with my XXXX  information. I contacted them again on XX/XX/19 and I was told to disregard the bill. I then received an invoice from Americollect and sent all the requested information on XX/XX/19. I have since received the same forms in XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a XXXX TV at Best Buy. The salesperson offered me a store credit card with " 24  MONTHS ZERO INTEREST ''. I did not need the credit but it was such an attractive offer I decided to take it. This happened in XX/XX/XXXX. In early XX/XX/XXXX I noticed I was being charged interest. I contacted the company. It's customer service representative told me he would rescind the interest. THIS CONFIRMED TO ME I WAS CORRECT ABOUT MY UNDERSTANDING OF THE PARAMETERS ASSOCIATED WITH THIS CREDIT CARD. 

I always pay more than the minimum amount and pay off my balances before the zero percent offer expires. It wasn't until XX/XX/XXXX I noticed Citi was charging me interest again. I spoke with a manager this time. I told him I had zero percent interest and he corrected me : it was only with regard to items purchased at Best Buy. I closed my account immediately and paid off the complete balance ( except for the interest ) immediately. 

Unfortunately, I had set up an auto pay for the minimum and Citi continued to take the money from my account for 5 more months!! I contacted the XXXX   and California Attorney General. Citi has told me to pound sand!!! They sent me a form letter without acknowledging any of the specifics or even mentioning their fraudulent practices.

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 2020-02-18 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX {$130.00} XXXX  XXXX {$60.00} XXXX  XXXX {$73.00} XXXX   XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX   XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX   XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: GA

Complaint narrative:
XXXX XXXX / XXXX XXXX XXXX   XXXX Account : # # # # # XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
MY CREDIT SCORE SHOULD HAVE LEAPED 82 POINT BASED UPON AN ACCOUNT FROM XXXX BEING UPDATED YET MY FICO DOES NOT REFLECT THAT UPDATE, MY FICO SCORE HAS NOT BEEN UPDATED PROPERLY VIA XXXX XXXX AND EQUIFAX, I HAVE APPLIED FOR CREDIT AFTER I PULLED MY REPORTS ON XXXX XXXX XXXX YET WHEN I WEN TO THE CAR DEALER MY FICO SCORE WAS 60 POINT LOWER AS IF THE ACCOUNTS WHERE NOT UP TO DATE. I CALLED BOTH BUREAS THE ADVISED ME TO CONTACT THE FICO.COM YET I CAN'T AFFORD TO PAY FOR FICO.COM WHEN I SHOULD NOT HAVE TO IT'S THERE RESPONSIBILITY TO REPORT ACCURATELY MY ACTUAL FICO SCORE. I HAVE AN APP WITH A LAWYER XX/XX/XXXX TO DISCUSS HOW MUCH CREDIT I HAVE LOST, THE INTEREST RATES OFFERED BASED UPON THE INCORRECT FICO SCORES AND POSSIBLY SUIT FOR DAMAGES. THEY'RE VIOLATING MY CONSUMER FINANCE RIGHTS BY REFUSING TO UPDATE MY FICO SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: GA

Complaint narrative:
I have gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: GA

Complaint narrative:
I have gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.

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 2020-02-18 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: FL

Complaint narrative:
XXXX XXXX card services refuses to submit an " electronic request to remove inquiry '' from my credit report. They keep telling me they are still investigating this matter. I spoke to a supervisor XX/XX/XXXX and she assured me they will alert the credit agency that the inquiry was fraud so that the inquiry would taken off. Well it's now XX/XX/XXXX and the inquiry is still there and my credit score has gone down 14 points due to this.

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 2020-02-18 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Macys/DSNB # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit 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 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
Complete Payment Recovery Services , Inc. is attempting to collect a debt on behalf of XXXX. We are a business and do use XXXX 's services but I've confirmed with XXXX there is no debt due and they do not use this third party to collect debts. In fact, if you drop or do not renew services then it just drops, no debt is owed. 
Complete Payment Recovery Services , Inc . 
XXXX XXXX XXXX, XXXX, AL. XXXX. XXXX. First, contacted me on I believe XX/XX/XXXX-20 by telephone, stating it was attempt to collect payment amount {$90.00}. I also received a letter a couple days later, and then a third call XX/XX/XXXX-20.

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 2020-02-18 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: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/XXXX I had a dispute opened for {$48.00}. I never received any information from Discover about the status of the dispute via letter or email. I just recalled the dispute in XX/XX/XXXX and see that the dispute was found in the merchants favor. I received no contact from discover regarding this at all. The purchase was made through XXXX but the merchant was a different party XXXX. The items I purchased were not working on arrival but the merchant provided no way to return the items. The website has no return address and when I emailed the merchant multiple times they did not respond. After I opened the dispute the merchant eventually provided a returned address but no label or anything. I returned the items 2 weeks later and paid shipping out of pocket. No refund from the merchant. No communication from discover regarding the dispute. Additionally, I provided an extensive amount of proof to discover that was ignored. Apparently Discover disputes purchases made through third parties like XXXX through the third party and not directly with the merchant which means no objective investigation can actually be done into the validity of my dispute other than to them requesting a proof of authorization from XXXX. My dispute was immediately closed without any further investigation because they reported to XXXX that I was disputing the purchase on the basis of it being unauthorized, which is NOT what I disputed.After contracting XXXX twice they confirmed that the information discover gave them indicated the transaction in question was UNAUTHORIZED, I did not file the dispute as an unauthorized purchase and as a result of this I can no longer file a dispute with XXXX. As I have been told multiple times from different representatives at discover, they can not directly contact the merchant, it must be done through XXXX. So as a result of their incompetence I'm left with no remedy as the dispute was closed by discover and XXXX can not undo the banks decision. Ive tried multiple times to get the dispute reopened by discover as at least I would then be able to go through XXXX and they could contact the merchant and verify the validity of my dispute but that option is no longer open to me as paypal can't reopen the dispute only discover and they have refused to do so despite it being the fault of their incompetent dispute team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX   ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it  immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX/XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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