vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I went into a Kohls store in XXXX CO on XX/XX/2020. The cashier offered an instore credit card. I refused multiple times. The cashier would only ring the merchandise up at the in store credit card special price until the end and used a bait and switch technique to get me to sign up for the credit card. I did not. And still refused. To which the cashier said in front of the manager that they always tell people bad credit is okay just let them run a credit report on you and you get the discount. I asked if it was a hard or soft inquiry. She refused to answer. I later find out it's a hard inquiry taking points off of people 's credit scores for cards they didnt want to sign up for in the first place. Super predatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I received a response to my previously submitted complaint, Regulatory case ID : XXXX filed against PHH Mortgage Services and wish to dispute it. 
On 2/20/2019 I received letter titled " Recast Offer and One Time {$5000.00} Incentive ", see attachment, I followed the instructions and accepted the offer per letters instructions. The response dated XX/XX/XXXX claimed I received the recast amount of {$5000.00} which was applied to principal on XX/XX/XXXX. True, but, I also received another offer on XX/XX/XXXX. On XX/XX/XXXX I received a letter titled " Signed Recast Agreement - for your Records '', which on page 2 states " Whereas borrower recently made a prepayment of principal of XXXX XXXX dollars ( {$5000.00} ) -- -- -- - '' In reviewing principal payment history provided by PHH Services there is no payment credited for {$5000.00}. All activity regarding this credit occurred in XX/XX/XXXX, totally separate from the offer in XX/XX/XXXX. I am owed {$5000.00}, and have a notarized document signed by my wife and I and accepted by by XXXX XXXX, Assistant Secretary, PHH Services on XX/XX/XXXX stating such. 
I am still waiting on the authentication of principal increase of {$7900.00}. I am requesting an itemized statement showing how this amount was calculated.to come up with principal balance of {$330000.00}, and the supporting documents. What were the individual components arrears, deferred principal, etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
LOWES CREDIT CARD SYNCHRONY BANK I RECEIVED A LETTER DATED 1XX/XX/219 STATING THAT CREDIT LIMIT IS REDUCED FROM {$2000.00} TO {$190.00} DUE TO CREDIT REPORT SCORING SYSTEM THAT I FIND DEROGATORY AND EFFECTIVELY AFFECT MY PUBLIC RECORD,

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
id theft victim accounts opened XXXX XXXX XXXX XXXX XXXX XXXX i need a letter of validation sent to me please from these creditors rental application with my ssn on it, Dl and any other information i am attaching my id theft report along with proper id and ssn this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JPMorgan/Chase is reporting two deliquent accounts and two recent inquiries that are all fraudulent and I would like deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$17000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: CA

Complaint narrative:
Experian i have had a XXXX card foe almost 19 years. i have a fico score of XXXX, i have a r car loans credit cards ect, i have no missed or late payments on my report. in the past i have had this same issue with Experian in the past. i get declined for a card that says they only check Experian and Experian has stated that i do not have enough credit history. recently i have attempted to reopen a XXXX card that i had with my place of employment that was closed do to the company no longer offering the option of XXXX. i was then contacted by XXXX saying i needed to open a XXXX acct to keep the card. i called XXXX to give them my personal costco acct number, they said they would have to rerun my credit and XXXX< Experian reports i have no to lil credit history and im declined!!!!!. i have no been on the phone trying to contact Experian for over 30 minutes and even on line. however Experian just wants me to join some sort of membership or pay them to " boost '' my credit to receive all the info that is out there ... what the XXXX is this???? i have to pay a credit reporting agency to report my true info??? 
please contact my to help me resolve this issue XXXX XXXX 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 2020-01-02 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:
id theft victim accounts opened XXXX XXXX XXXX XXXX XXXX XXXX i need a letter of validation sent to me please from these creditors rental application with my ssn on it, Dl and any other information i am attaching my id theft report along with proper id and ssn this is fraud

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 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Recieved a letter from Convergent Outsourcing to collect a debt amount of XXXX for XXXX XXXX. I have not used XXXX in years. I contacted XXXX and have not been placed in collections by the company. This company has also called several times trying to use scare tactics and threatening my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: IL

Complaint narrative:
The accounts listed on my FTC Identity Theft affidavit are not mine. Please Block!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: OH

Complaint narrative:
The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX-XXXXXXXX-XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account and blacklisted me from being able to open an account in another bank by reporting to XXXX ( XXXX XXXX XXXX ) due to suspicious fraudulent activity which I am innocent of. I was unable to open an account in XXXX XXXX XXXX because of this. They also did not allow me to withdraw my money, and made it impossible for me to get paid since my current employer only uses direct deposit exclusively through the usage of a void check and I am unable to obtain a checking account. The fraudulent activity which is the reason why they closed my account was due to 4 transactions made on XXXX in which I was involved. These transactions were on XX/XX/XXXX for XXXX dollars, XX/XX/XXXX for XXXX dollars, XX/XX/XXXX, for XXXX dollars, and XX/XX/XXXX for XXXX dollars. My mother transferred money from my fathers XXXX account into my XXXX account which I then transferred into my Chase checking account. My parents notified around XX/XX/XXXX that the transactions were made by them and that no fraudulent activity had occurred. My bank received a notification as per XXXX XXXX fraud investigative procedure stated on their website that they will communicate to banks and institutions in order to investigate fraud. My bank then put a restriction on my account and on XX/XX/XXXX I was unable to access my account. I contacted chase twice on the phone and went to Chase bank to explain what had happened. But chase employees notified me that my account would be closed in 2 weeks and there was nothing I could do about it, refusing to give me any detailed information about what had occurred. I do not care if Chase does not allow me to have a Chase bank account. But they have ruined my credit history and I am unable to get another bank account in other bank for at least 5 years and have cause me large set backs in my income, leaving me with absolutely no money to pay my bills since they did not allow me to withdraw my funds, blacklisted me from obtaining another bank account in another bank to get my direct deposit and so I can get paid by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional Credit Management , Inc. had agreed to submit paid collections for deletion for accounts XXXX and XXXX. XXXX  has already deleted collections from credit report. XXXX  and XXXX  have not. These two credit bureaus have been reported to CFPB as well. They keep stating that the accounts are verified and accurate yet I received the letter in the mail from Professional Credit Management , Inc. stating that any accounts under {$50.00} have been submitted for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I lived at XXXX XXXX XXXX for approximately 4 months from XX/XX/XXXX - XX/XX/XXXX. I paid a deposit of {$300.00} ( {$150.00} non-refundable, {$150.00} refundable ). When I moved out of the apartments there was a credit on my account from an earlier over payment. I was informed that the cost of apartment cleanup and final utilities would be deducted from the credit and the deposit money and I would be refunded the remaining balance. 
In XX/XX/XXXX I received a call from the apartment representative stating that I owed a balance of approximately {$300.00}. I asked if the deposit and the credit had been applied yet. The representative became confused, stated that something was wrong with the account and that he would clarify and get back to me. 
In XX/XX/XXXX I receive a call from the same representative and the exact same conversation occurred with him stating he would get back with me later. 
I never recieved a refund or hear back from them about any more bills. In XXXX of XXXX, Sentry Credit Inc. began contacting me stating that I owe the {$300.00}. I have disputed the charges asking for evidence that the debt is mine and a full account of all payments made to the apartment and all charges. Sentry Credit Inc. mailed me a copy of my lease agreement ( which clearly shows the {$300.00} deposit ) and an account summary from XXXX to XXXX. The account summary shows a balance of {$300.00} but does not show the deposit was applied. 
I have contacted XXXX XXXX, but they state that any documentation would be with their parent company XXXX. XXXX XXXX that they do not keep any documentation wants a balance is transferred to a collections company. I spoke with Sentry Credit on XX/XX/XXXX and explained all of the above. The representative agreed that a {$300.00} deposit was stated in the lease, but when I asked that the deposit be applied to the outstanding debt, she became aggressive and belligerent. She stated clearly that there is no other recourse, there would be no further investigation, the credit company does not need to obtain a full record of all payments, credits, and charges, and that if I did not pay my credit will be hit/dinged. I do not know what to do at this point. It will be difficult for me to pay {$300.00} and it seems unfair that my deposit money not be applied to the balance as it was stated would be done in my lease contract. The collector was very intimidating in stating there is nothing to do but pay the balance ( no supervisor to speak with, etc. ) and then she abruptly ended the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Derogatory account alert from XXXX  through XXXX on XXXX XXXX on XX/XX/XXXX regarding an outstanding payment for {$600.00} to Commonwealth Financial. Another alert was received from XXXX  regarding same severely late payment Of {$600.00} and derogatory account again on XX/XX/XXXX. Credit rating has now dropped over 40 points from 780+. I have never had any accounts, interactions or dealings with this company, Commonwealth Financial Systems, and therefore have no outstanding or late payments. Have not received a single alert or notification from Commonwealth Financial Systems itself regarding any derogatory account prior to reporting it as such to XXXX  as I have no accounts or monetary dealings with this company. Fraudulent activity reported to XXXX  and disputed on XX/XX/XXXX. Credit alert placed on credit report through XXXX  at this time. Numerous consumers have reported these same fraudulent experiences with this company Commonwealth Financial Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$17000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$17000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: OH

Complaint narrative:
The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX   XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: OH

Complaint narrative:
The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX   XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have a hospital bill on my report that should have been resolved with my health insurance. Experian still has it unresolved and the company that i owe said they charged it to my insurance. 
Also i have a credit card account closed. Experian still has it as open in good standing.

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