vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: PA

Complaint narrative:
Fraudulent account in my name unknown person stole identity to open credit card in my name to obtain stolen goods XXXX XXXX XXXX  Amount XXXX Open XX/XX/2013

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 2019-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19 I received an email from CapitalOne stating " Your {$500.00} cash back bonus is ready and waiting-and full of potential. Redeem Now '' It  listed the last four digits of my account. Further down it said, " Redeem for cash. Lower your account balance or get a check. '' So I called to redeem and spoke with both a customer service rep and a supervisor who both told me the email was an error and would not honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
I was approved for a mortgage on my homoe in XX/XX/XXXX for {$110000.00} per the deed of trust. I was paying {$700.00} a month until XX/XX/XXXX. I saw the deed of trust did not have a legal prescription and was not properly filed. This loan was processed through XXXX XXXX XXXX, onto XXXX XXXX XXXX, then onto Fays Servicing LLC ( who owns the loan ). I have filed for Bankruptcy Chapter XXXX with one creditor and I have to file a grievance letter so that I can file for adversary proceeding with my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections..How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: TN

Complaint narrative:
I AM A VICTIM OF THE 2017 XXXX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.

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 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC
State: GA

Complaint narrative:
Several weeks ago, I received a call from Affiliate Asset Solutions. They claimed to be collecting on a medical bill from a XXXX emergency room. They told me the emergency room sold my debt to their client, Pendrick Capital Partners. I asked for something in writing providing info about the debt and documentation showing that Pendrick actually purchased the debt from the hospital. I received an account statement in the mail, but I still was not provided with documentation proving that Pendrick owned the debt. I can't be expected to pay someone if they can't prove the validity if what they are claiming. Today, I received a call from a very hostile woman at Affiliate. When I explained that I still didn't have anything showing that Pendrick was the rightful owner of the debt, she yelled at me and told me if I needed to know who Pendrick was I should call them. I told her I was disputing the debt because I didn't know who the alleged owner of the account is and hadn't been notified that an account ( which I still don't know what it's for ) of mine had been sold. I told her that I knew she has a obligation to help resolve disputes on debts they are trying to collect. She yelled that I had an obligation to pay my bill and then hung up on me. I called back and asked for a manager to try to resolve the matter. The manager yelled at me as well and was not willing to provide proof of who the current creditor is for the alleged account. I ended the call because the manager wouldn't stop yelling and wouldn't help resolve the problem. 

I immediately sent an email to Affiliate Asset Solutions ( at the only email address I could find on their website : info@affiliateas.com ) requesting that they cease and desist all communication with me. I should not have to deal with degrading hostility when I was just trying to get proof of the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: CarMax, Inc.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I XXXX XXXX am stating that Ad Astra Recovery is attempting to collect an alleged debt from me that I do not recognize or acknowledge to owning. I have no knowledge of this account or having a contract with Ad Astra Recovery. I was never given a notice of this debt or that I had a right to dispute it before it was placed on my credit reports. I have asked through the three major credit reports of validation for this account by showing me wet ink, original signed application that I agreed to pay them or any amount. As of yet they have not responded to my requests for those documents. I am requesting full " validation '' of this account as per my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A charge of {$280.00} from " XXXX '' was received on my Bank of America card on XX/XX/19. I did not know who this merchant was and did not make any purchases for this amount. I called Bank of America, they closed my account and issued a refund and a new card. 
XX/XX/19 I received notice from Bank of America that the fraud claim was denied as I had done business with this merchant before. After more phone calls I discovered that " XXXX '' is actually XXXX. 
With that information, I could confirm that this was now a disputed charge. I did have an account with XXXX which had been closed due to an expired credit card on file. I did not want to renew this account so prior to the expiration, I confirmed with a rep through the XXXX online chat feature that the account would just expire. To be sure, she told me she had unchecked the 'auto renew ' option on my account and I had nothing further to do. 
I sent hard copies of the emails from XXXX and a letter detailing the timeline to Bank of America on XX/XX/19 to the address in the letter they sent to me which had denied my initial claim ( they do not accept emailed copies ). I received confirmation on XX/XX/19 that they had reopened my claim and I would receive a response within 30 days. XX/XX/19 - No response from Bank of America, I now have a bill for {$280.00} due on XX/XX/19, they state they have not received my documentation, the XX/XX/19 claim needed to be reopened ( even though I never received any notice that it was closed ) and I am responsible for making payments until they resolve the issue. Bank of America first dropped the ball by allowing an expired credit card to be charged, they conveniently never received any of my documentation, they somehow closed an active claim with no communication to me about it and now they want me to make payments on a transaction that should not have happened in 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
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase advertised to offer XXXX reward points for opening a Sapphire checking account. I opened the account in XX/XX/XXXX and met all the requirements. But Chase posted the reward in XX/XX/XXXX to one of my Freedom credit card that Chase closed on their side on XX/XX/XXXX. So I never had a chance to redeem the reward. 

Attachment 1-5 are the details of the advertisement. 

On XX/XX/XXXX I called Chased and was told my Freedom account was closed for inactivity for 6 months. If thats the case, since I had a transaction in XX/XX/XXXX ( attachment 6 ),  the card should be closed in XX/XX/XXXX and I should be able to redeem the reward in XX/XX/XXXX. The fact is I still received statements of that card for XXXX and XX/XX/XXXX ( attachment 7-8 ). The agent I talked to said she will escalate this and probably they will be able to let me use the points. 

On XX/XX/XXXX, I send a secure message to Chase to query further. They told me a different story, that my Freedom card account was closed on XX/XX/XXXX ( attachment 9-11 ),  because inactivity for 12 months, even though I HAD a transaction in XX/XX/XXXX. If this is true, then Chase posted the reward point in XX/XX/XXXX to my account that was already closed for 2 months. 

I dont know which story they told me is true. In any case, I didnt receive any notice from Chase for account closure. In any case I had no chance to redeem the reward point that I deserve from the opening of the Sapphire checking account. 

Today I received a letter from Chase ( attachment 12 ),  emphasizing that card holder has 30 days to redeem the reward after card closure. The issue is, again, Chase put the reward in XXXX into the account that they said they closed in XXXX, hence I had no chance to use them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
This debt collector never provided me with information or documentation that they had obtained the alleged debt owed, which is in violation of the fair debt collection practices Act. Since XX/XX/2019, I have requested validation of the debt that I allegedly owe directly with the collector and submitted a documented dispute that the alleged debt is not valid. I have also disputed the debt on the credit reports to each of the three major credit reporting bureaus. This company has refused to respond to the validation request and yet continues to attempt to collect the debt. Even with the multiple disputes and failure to provide validation, the collection agency still has not placed a note on the account on any of the credit reports provided by the credit reporting bureaus nor have they removed the alleged debt from my credit reports. They are in violation of the Fair Debt collection practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-25 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I just got a letter from Portfolio Recovery Associates, LLC. They are stating that I owe an amount of {$810.00} from XXXX XXXX XXXX. The funny thing is I never had credit from XXXX  XXXX to this date. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within 30 days they will assume the debt is mine. Wow so they are not even sure and start writing all who they can to rob some money. I hope you can help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2019-07-25 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: Go Capital Holdings, LLC
State: GA

Complaint narrative:
I didn't open the accounts somebody else must to open the loan

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 2019-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I visited XXXX XXXX in XXXX, NY to look at a new truck. We discussed a truck, they took some information and went to run numbers. As we were filling out information prior to running numbers. I said to the salesman, very clearly, do not run my credit. I have an XXXX credit score and am very particular about it. I stressed how important it is, he acknowledged and understood. They disappear to run their numbers per usual, come back to share them. We were obviously not looking at the right truck. As I get up to leave because I had a two hour drive home to take care of my dog, the sales manager states to me " your payoff was a little higher than you thought ''. Which technically, it wasn't, but TransUnion hadn't updated yet. To which my response is " you ran my credit?? ". At this point I was extremely upset and frustrated. I asked for full disclosure pricing on a 72 month term, they came back with all different terms, add-ons including warranty, rust proofing, etc. and completely ignored my request to not run my credit. Now I have an unjustified hard inquiry on my credit that will remain for 2 years for no reason.

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 2019-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have had these two loans with Sallie Mae since 2004. 
My aunt was the primary borrower on one. She died. They told me to have my other aunt her guardian send in the death certificate and it was subject to be cancelled or done. 3 months later, after hearing nothing, I started getting calls saying I was 120 days delinquent and they removed her like she was never on there. For two years I asked for promissory letters. They sent wrong ones. I filed a complaint with you guys a couple of years ago. No resolution. You cancelled my claim and stated you guys would be investigated them due to many complaints. Fast forward to now they are Navient. I this year requested forgiveness for these two private loans due to the school I attended not existing any longer. I was told no. I am now a single parent of a XXXX year old. I am solely responsible for without any support. I am fortunate to have a decent job, with XXXX, etc, I cant qualify for any help because I have a decent job ... .but am still trying to make ends meat. His child care alone is XXXX monthly. I cant go into forbearance. Im stuck. I need help. This isnt right. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
CRA is erroneously reporting derogatory items and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: IL

Complaint narrative:
CRA is erroneously reporting derogatory items and inquiries on 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 non-monetary relief