vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is in regards to a billing dispute that occurred on my Chase Freedom Unlimited card ending in XXXX. The billing dispute I will be referencing throughout is with the merchant " XXXX XXXX XXXX '' in the amount of {$700.00} posted on XX/XX/2018. This charge was disputed because the merchant performed services that XXXX XXXX my dog. I took my dog in for XXXX XXXX XXXX  with this business. After some back and forth, the merchant assured me, in no uncertain terms, that this XXXX would have absolutely NO complications for my dog. In other words, I was guaranteed by the doctor working at this place that my dog will not experience any adverse side effects from XXXX XXXX ( much less any XXXX XXXX  conditions ). This turned out to be a complete and unequivocal LIE. After the XXXX, my dog XXXX XXXX XXXX  and experienced a XXXX XXXX XXXX XXXX XXXX. My dog, a XXXX  pound puppy, was XXXX XXXX  and howling at XXXX in the morning after the XXXX. I immediately rushed over to the nearest emergency room and took my dog in to get checked by a licensed veterinarian. I was told that my dog was on the XXXX XXXX XXXX and he very possibly could have XXXX had I gone to the ER any later. The vet prescribed some temporary medication for my dog and told me to come back later when the hospital would be running with a full staff on hand. I later took my dog in to a separate hospital where the vet was able to better diagnose and take care of my dog. All in all, this fraudulent and evil natured XXXX  which nearly took my dog 's XXXX costed me an additional {$1500.00} in medical expenses. This merchant does not deserve a SINGLE PENNY for this XXXX that not only XXXX  MY DOG ( XXXX XXXX ), but also costed me an additional {$1500.00} in otherwise preventable medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Mid South Adjustment has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Mid South Adjustment provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Mid South Adjustment has failed to provide any original copies of verification obligating myself to this debt and only has been able to provide a screen shot of a bill. Mid South Adjustment has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have successfully submitted disputes with XXXX  and XXXX XXXX about an unauthorized entity on my report. Equifax 's site does not function properly. When I enter my credentials and click " Continue '' nothing happens. They offer a chat service, but I tried to use it during their business hours only to be disconnected because there were no agents available. I looked for a phone number, but I was unable to find one.

This is the incompetent and unethical company who lost millions of people 's data and hid the fact for months last year. Now it looks like they have made it impossible to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Lending Club Corp
State: MI

Complaint narrative:
Lending Club Corporation is showing a charge off on my credit reports. This debt was included in Bankruptcy case XXXX in the XXXX XXXX district of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK  STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE

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 2018-08-01 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: FL

Complaint narrative:
Experian have took XXXX XXXX XXXX  of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX XXXX : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.

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 2018-08-01 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: MN

Complaint narrative:
Inaccurate information no knowledge of accounts filed with FTC and filed PO report, in violation of my consumer protection rights and fair lending act

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 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've been a cardholder at U.S. Bank for at least five years. In those five years I've maintained perfect payment history. Early last year my 0 % promotions periods ended and my interest rates surged to 24-26 %. Despite changing careers, being forced to take a pay cut, and moving in with family to be able to continue making my credit card payments on time, I've tried asking various representatives and managers to lower my interest rates ... .but they've been extremely unhelpful in the following ways : 1 ) The representatives/managers mislead the consumer by stating they will look to see if there are promotions for lower interest rates, knowing that there are none ... ever ; 2 ) Depending on who you talk to, they misinform the consumer about credit hardship programs. For example, one representative told me earlier this year that the hardship department would talk to me if I was only one- to two days late making a payment. Yet when I tried doing that, I was charged a late fee and was basically told my account wasn't late enough, and that it would have to be in collections in order for them to work with me. I demanded a refund of the late fees due to their misinformation, which they granted. But then I was told by another manager that since most of my credit card accounts are closed, I'm locked in at that ridiculous rate and there are no promotions to lower my interest rate on the remaining open card ; and 3 ) U.S. Bank representatives/managers say the ONLY hope at a lower interest rate is to contact Consumer Credit Counseling. U.S. Bank is the ONLY credit card company that does not offer a hardship program to consumers struggling to make on-time payments. I negotiated lower interest rates and fair payment plans with XXXX XXXX, XXXX, XXXX, and XXXX.

To add a cherry to the sundae, tonight ( XX/XX/18 at about XXXX XXXX. PST ) I spoke with an abusive upper level manager, ( XXXX, ID no. XXXX  ). He called me irresponsible, leveled all sorts of accusations towards me about my " lifestyle decisions, '' made judgments about me racking up debt when I simply tried to explain to him that I changed careers and had to take a pay cut, thereby having to use credit cards to live on to make up for the loss. I've since closed out those cards so I could make efforts to pay them off. He could see my accounts ... that they were closed, yet continued to be abusive, condescending and degrading.

I'm in the process of interviewing attorneys to help me further escalate this complaint, and am reaching out to your agency as well for a fair resolution.

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 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX, and the XXXX of 2018 I received several letters From Portfolio Recovery which, included only a screen shot of bill saying that I owe debt. On XX/XX/2018 a Sworn notarized affidavit of denial was sent to Portfolio Recovery requesting original proof of contract or validation with my signature obligating me to this debt. Since, Portfolio Recovery has continued to attempt collection efforts which is a violation of the Fair Debt Collection Practice Act ( 809 ) ( 1692 ). I have no record of any initial communication that was sent from Portfolio Recovery as they stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Inaccurate information no knowledge of accounts filed with FTC and filed PO report, in violation of my consumer protection rights and fair lending act

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 2018-08-01 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: MN

Complaint narrative:
Inaccurate information no knowledge of accounts filed with FTC and filed PO report, in violation of my consumer protection rights and fair lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: TX

Complaint narrative:
inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA

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 2018-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA

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 2018-08-01 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: TX

Complaint narrative:
inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
This is my second complaint submitted against FCO - Fair Collections & Outsourcing. They were trying to collect a debt from me that I do not owe, know nothing about, and that is not mine. The debt is for {$3200.00} and it's from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I know nothing about the debt or the company. The first complain that I submitted had a response from FCO informing me that they contacted me wrongly and that I'm not the person they're looking for and that we had similar names. They also apologized and said that they would delete all of my information from their system and never submit a negative report on me to any credit bureau due to the debt not even being mine. 

I checked my credit reports today and found out that they did indeed submit a negative derogatory report on me even though they had informed both me and the FTC that they won't do anything due to the debt not even belonging to me. 

Please help me because this company is clearly operating illegally. They failed to verify the debt by not showing me any legal paper work that has my personal information and they even told me over the phone that they don't have any of my personal information on any of the legal documents they posses on their end. They don't have my birthday, signature, address, or any other information on any of the legal documents they have yet they still attack me.

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 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXX XXXX/XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX/XXXX XXXX provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX/XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX/XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is an account listed under closed accounts on my report. XXXX 's, accct # XXXX. I have disputed this acct numerous times and everytime it comes back the same. They do nothing to correct it. 
This account is listed on my report under CLOSED accounts, and Charged off. 
Yet my report shows a balance of {$240.00}. If this account was charged off, the bal should be XXXX. 
Also if it is Closed, How can it show a past due balance?? As of this moment in time, it says I have a past due balance of {$80.00}. 
And I would like to know what the difference is between a status update? and a Balance update?? 
This account is also NOT a unsecured loan. It was a revolving account. A retail credit card. XXXX is a department store. 
I have one more question. Why does my payment history ONLY show the negative marks?? If you look at my payment history, it says no info available, accept at various spots .. where it says in delinquency. Like I said, I have asked more than 5 times, that this account be corrected. I also think it is interesting that this creditors contact information states ... BY MAIL ONLY! So I can not call them???

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 2018-08-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian mailed a copy of my credit report dated XX/XX/XXXX which included the following accounts that were previously disputed which Experian stated '' the disputed information does not appear on your current Experian credit report. The accounts in question are ; 1.XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX # XXXX, 3.XXXX XXXX XXXX #, 4.XXXX XXXX/XXXX  # XXXX, 7. XXXX/XXXX   # XXXX, 8.XXXX XXXX/XXXX XXXX XXXX # XXXX, 9.XXXX XXXX XXXX # XXXX, 10.XXXX XXXX/XXXX XXXX # XXXX. I am included a copy of my Experian Credit report for supporting documentation

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 2018-08-01 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: WA

Complaint narrative:
XXXX XXXX # You are reporting a 30 day late for XX/XX/XXXX.

This is inaccurate. I was never late. This should be in good standing. My pay status is reporting : Current ; Paid or Paying as Agreed which is accurate. My other credit reports is reporting this account accurate as in good standing never late. Please update and remove the 30 day late.

XXXX/XXXX  # This account is reporting to be removed on XX/XX/XXXX, this is inaccurate. I have provided a copy of my other credit reports reporting the correct removal date of XX/XX/XXXX. Please delete this account it clearly is inaccurate. The credit reports are not reporting the same information and you said it was verified. How was did you verified?

XXXX/XXXX  # This account is reporting to be on XX/XX/XXXX, this is inaccurate. I have provided a copy of my other credit reports reporting the correct removal date of XX/XX/XXXX Please delete this account it clearly is inaccurate. The credit reports are not reporting the same information and you said it was verified. How was did you verified?

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 2018-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America says I owe money for fraud on my credit cards 2 ACCTS I have to pay back they put me in a regulatory debt collection stating I am responsible to pay back 4 years of fraud/identity theft I had no idea about! Help me I need a pro bono attorney to protect me. Can you offer any suggestions? I do not know what to do accounts were made in my name, loans, credit cards ... allot! All my personal info has been compromised! I may have to change my soc sec number, my name. Help me! I already unknkwingly was paying fraud 4years!! Doing wire transfers ectronic mobile wallet or digital opened lots of online accounts made in my name! Income taxes falsely filed in my name! I need an advocate to aid me in dealing with all this. I am XXXX & having a very very hard time. Please I need help!

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 2018-08-01 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: Capital Alliance Financial, LLC
State: NJ

Complaint narrative:
I have not did any hard inquiries and it says I have 26 I did none of it.

Company response to consumer: Closed with explanation