vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX XXXX   {$2800.00} XX/XX/XXXX synchrony networks {$2000.00} XX/XX/XXXX XXXX  XXXX  {$3300.00} XX/XX/XXXX Remove from all 3 credit reports

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 2019-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohls Department Store charge card. I have tried several attempts to get Kohls to remove 2 late payments from my credit report under Humanitarian illness, which would rehabilitate my account. I sent in documents showing I was out of work do to XXXX. I XXXX XXXX XXXX and had extensive XXXX to put in a metal plate and screws. I work customer service, 8 hours a day 40 hours a week. I was off work for almost 4 months going through extensive rehab. I understand policies but Kohls under these conditions and by law should be able to remove and rehabilitate my account to remove delinquencies do to these reasons. I have never asked for them to do any of this before. I am feeling discriminated because of an I jury that prevented me to work. The only time since I had the account in XXXX, I was ever late was XX/XX/XXXX and XX/XX/XXXX, which were during the injury downtime. I ended up paying in full my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: CA

Complaint narrative:
Transunion did not properly investigate my dispute that I placed through the CFPB, regarding of XXXX XXXX XXXX being in my credit report. They took only a week to investigate this, without taking my identity theft fraud in consideration. I have reported this company previously to Transunion. I do not know who XXXX XXXX XXXX is and have never had any dealings nor financial dealings or interest with that company. I had reported that company as fraud over 6 months ago, to Transunion, and they removed the company and now they have allowed the company back on my credit report. Transunion is also aware that I am a victim of identity fraud and they have this alert notice on their records and still allowing fraud accounts on my report. Therefore, I want Transunion to remove the company and the charge of {$76.00} from my credit report. The charge does not belong to me and I have never had any dealings with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My mortgage is currently with Bank Of America. I was notified that my homeowner 's insurance had lapsed and that Bank of America would put force placed insurance on the mortgage. I renewed my policy on XX/XX/2019 and I have sent Bank of America servicing the declaration page showing the effective date but Bank of America has not removed the force place insurance which is being billed to me at {$330.00} per month which is a Reg X violation regarding escrows. Forec placed insurance must be removed immediately upon being shown proof of homeowner 's insurance in force by the borrower. This has not been done

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 2019-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It appears that every credit card that I have that transferred over to XXXX XXXX  now have a very high interest rate, which is causing me to have to pay on my credit cards for years in order to pay them off. This complaint is for my Walmart master card interest rate. I have called and spoke with someone on multiple of occasions. I pay over {$1500.00} a year and less than {$300.00} is going on my balance. The majority of my payment goes towards the interest. I had a low interest rate when my account was opened. I would have never opened an account with the interest rate over 20 %. My current interest rate is 24.65 % and now I am being told that Capital One now have my account and they can not pullup any old information and to try back next week. I requested Walmart to reevaluate my account a few months ago to adjust my interest and I was later told that it was not approved. As a consumer it is unfair to agree to one interest rate and the business change the interest rate to whatever they want and they tell you that it was written in the small print when you accepted the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: IN

Complaint narrative:
Freedom debt relief has ruined my credit. they may have a lawsuit against them. Need help getting my money back. How do i get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: SC

Complaint narrative:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
All three major credit bureaus XXXX, Transunion and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit  bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.  Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household. 

This consumer is putting XXXX, Transunion and XXXX   on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars

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 2019-10-25 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.

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 2019-10-25 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.

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 2019-10-25 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase denied me XXXX bonus points when I applied for Marriott Visa. 
a. Chase bonus points ' terms & conditions depend on third party transactions. 
b. Chase failed to set up a procedure to verify third party transactions. 
c. Chase failed to verify third party transactions.

d. Chase failed to accept my Marriott account transaction for verification. See attached My-Marriot-Activity.pdf .. 
All of the above made terms & conditions complicated, cumbersome, and not verifiable. 
.. 
I haven't received the bonus points from any third party, ( see my complaint on XXXX XXXX XXXX ). 
But because of a, b, c, d of the above Chase denied me bonus points. 
So, I committed to another credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
Barclays Bank offers the XXXX XXXX credit card. As a US citizen living on a single ethnicity territory like Puerto Rico, I can not apply to it. The only reason why the application was denied was because the credit card is not offer to US citizens living in a US territory like PR.

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 2019-10-25 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: SC

Complaint narrative:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
in XX/XX/2019 there was a fraudulent charge made to " XXXX XXXX XXXX '' for {$110.00} from my BlueBird American Express prepaid card..I checked with the XXXX XXXX XXXX  and `` XXXX XXXX XXXX '' doesnt exist and no lic reported..I filed a fraud complaint with my card carrier and they declined my case. I don't believe they did any investigation due to the information I got from the XXXX ... I want my XXXX thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 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:
I was told by the Experian representative that I couldn't dispute this account anymore. And I was told by the Mortgage Servicer representative that the only way that I could dispute this account was through email or fax.

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 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I contacted Allied Business services and was told that they no longer had my account and the account was sent back to the original creditor. I asked the representative if there was a reason for me not receiving notice due to it damaging my credit and the rep stated that the credit bureaus were contacted and the information is still on my report as of today XX/XX/2019. i was given inaccurate dates of the company releasing my files and now I am suffering financially due to the negative information not being removed in a timely fashion. As a consumer I feel that my rights have been violated and my credit as well as my character is tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was told by the XXXX representative that I couldn't dispute this account anymore. And I was told by the Mortgage Servicer representative that the only way that I could dispute this account was through email or fax.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: SC

Complaint narrative:
PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.

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 2019-10-25 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: SC

Complaint narrative:
PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.

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 2019-10-25 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: SC

Complaint narrative:
PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I received another phone call today from XXXX ( XXXX XXXX XXXX. The people said they were calling on behalf of or from a department within American Express. They were calling me in order to try and contact someone else. They have called three times, most recently on XX/XX/2019 at XXXX EST. The first time they called I let it go to voicemail. The second time I answered because I thought it was work related. The third time again I thought it was work. I think they maybe used a different number. Each time they kept asking me to pass on a message to someone else on their behalf. I have no idea if these people are legit or not. On the second call I REPEATEDLY told them to remove my number from this list. They wouldnt listen and kept talk so I eventually hung up. Then today they called again and again I kept shouting to remove my number from their list. They also kept talking to try and get me to answer their questions. BOTH times I spoke on the phone they said it was being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dispute {$940.00} over charges for over one year. Over charged XXXX work that XXXX XXXX should be covered. 

XX/XX/2018 charged {$5500.00} by offering to open a new " CareCredit '' credit card at XXXX Office. I walked in for an emergency XXXX XXXX as a new patient. The original assessment was to extract XXXX XXXX  for promised around {$120.00} if I am a self-pay patient. Later, it was escalating to {$5500.00} for a few more works including a XXXX XXXX. I didn't bring any credit card for such expense, therefore, this XXXX  offered me this credit card without interest for 12-18 months. 

Next day, my wife told me that I still have my XXXX XXXX XXXX, and we called them a day after in XX/XX/2018. We was told that they are accepting XXXX XXXX and will bill insurance for the visit. My wife was asking for full refund of {$5500.00} because they should file claims with insurance first without pre-charging patient. 

We did not get any refund until a month later in XX/XX/2018. Plus we only got {$4200.00} refund. This dentist deducted {$1200.00} for a dental service that my insurance should be covered. I called my dental insurance, and was told that my responsibility should be {$50.00} plus 20 %. Total should be {$300.00}. Therefore, we were disputing {$940.00} and asking for refund.This XXXX over charged me for {$1200.00} because she did not follow the insurance guideline about one procedure. She also overcharged a {$260.00} dental work for {$740.00}. 

We have been writing to this credit card company over a year for {$1200.00} refund in order to avoid any financial charges while we were disputing the over charges by this XXXX. We have always received the same rejection. We believe that this XXXX  office got new customer for this credit card company. When the issue raised, they were at the same side to only protect their own interest not customer 's. 
I have been paying my minimum balance to avoid any financial charges. My current balance is {$880.00} which is over the refund of {$940.00} I am asking. Therefore, I will stop to pay any more from this month. 
I already called last year to cancel this credit card which I did not need from the first place.

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