vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received offers for Capital One credit card for a 0 % interest rate for balances and transfers in XX/XX/2021. I decided to order the o % credit card online and transfered a balance. When I received my first bill I saw interest charges. I called capital one credit card customer service and spoke to an agent XXXX  and explained what b happened. She was unable to help. I asked for a supervisor and was transferred to agent XXXX ID # XXXX and explained the error. She said I received the credit card with 0 % on purchases only, that the balance transfer has a rate of 18 % interest. I explained that wasn't the offer I wanted. Why would I want to pay 18 % when I have exceptional credit. She told me there was nothing she could do. If I wanted to cancel my card I would need to pay the interest rate for the entire promotion which could be almost be {$2000.00} in interest for a {$9000.00} transfer. My credit rating is above XXXX. I feel like this is a deceptive practice ; by not disclosing this in a clear manner resulted in the mess I find myself in. Ib tried calling the corperate office at XXXX XXXX XXXX and asked for XXXX XXXX, who handles complaints. His mailbox was full. The same is XXXX true for the Financial Officer XXXX XXXX, dl mailbox. She I am a senior citizen and can't afford to pay this. Today, I received another promotional offer for 0 % interest on both purchases and balance transfers. This stress is having an impact on my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: IL

Complaint narrative:
Experian has refused to send me information stating that said accounts belong to me although I have requested the original documents stating I signed it. Most of said accounts on my credit report with experian are fraud accounts and no way can be verified. These acts by Experian obviously not properly investigating these accounts are preventing me from obtaining credit and therefore violating my civil rights.

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 2021-07-26 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/20XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021

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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that XXXXhisSIMONS AGENCY INC was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NY

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance XXXX  continues to update an account as negative on my personal credit report after they have received payment and considered the account paid and closed. The have now, listed the account twice on my credit report cause unnecessary damage to my personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I was the victim of identity theft. I was advised by investigators to freeze my credit reports. I did this. Now 2 years later I need to move and am having difficulty with TRANSUNION to UNfreeze my account. I have phoned them several times and can not understand their employees, as they do not speak clear English. I mailed 18 pages of my identity priority mail, certified mail and they received it within 2 days. Then this past Saturday I received a letter saying- heres the credit report you requested! I did not request a credit report- I requested that my report be UNFROZEN! What is wrong with TRANSUNION?

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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Receivables Performance Management is a scam company. This company calls 4-5 times perday looking for my mother who lives 500 miles away. They are rude, and threatening and they didnt even know my mother was female when they first tried to reach her. They do not give any information and sounds like its a scam. I have repeatedly told them to stop calling me and they continue by changing the number. I have told them that I am not who they are looking for and they are rude and hang up on me. When you go to leave a message its classic scam tactics the Voice mail is full and cant accept messages, and they then block a return call. If they don't stop I will sue.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On my Equifax credit report there is information on there that has been paid off and they are still showing it on my report with balances. I reported it to the XXXX  and they said that the information was showing as inaccurate but still refused to delete it from my report. When I spoke to them after I received the response from the XXXX they told me that they up date the information every 30 days. I paid those loans off on XX/XX/XXXX and it's almost XXXX and they are still on there. There is also two hard inquiries that should have fallen off one the XXXX and XXXX of this month and those are still on there as well. She also told me that on her end those were removed but just hadn't been removed on my end. I want to purchase a house and those balances will hinder me. That is why I paid those off. Both of the other credit bureaus took those items off as soon as they were reported as being paid off. But they keep telling me it takes 30 days to report. Well if they took them off on their end why didn't they take them off on my end. When I log in to my report I still see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with XXXX, XXXX, and Capital One. 

XXXX : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX  -Documents and information submitted to XXXX XXXX no action performed. 

Capital One : XX/XX/XXXX - {$5000.00} - XXXX XXXX XX/XX/XXXX - {$5000.00} - XXXX XXXX -Documents and information submitted to Capital One, no action performed. 

XXXX : XX/XX/XXXX - {$5000.00} - XXXXXXXX XXXX XXXXXX/XX/XXXX - {$300.00} - XXXX XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( XXXX, XXXX, Capital One ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- XXXX offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that XXXX did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- Capital one shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- XXXX removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: SC

Complaint narrative:
On XX/XX/2021, I sent a certified letter with return receipt to Commercial Acceptance asking for validation of an alleged debt they have been reporting to credit reporting agencies in the amount of {$980.00}. 

The letter was signed for by Who I would assume to be a representative of Commercial Acceptance on XX/XX/2021. 

The Requested information from Commercial Acceptance included : 1. Proof that I have or ever had any contractual obligations to pay Commercial Acceptance for this alleged debt. 
2. Proof that Commercial Acceptance owned this alleged debt and had the right to collect on it. 
3. A copy of the original bill as my insurer at the time, with which I had 100 % coverage of any and all medical procedures, required a copy of the original bill to A. Verify this was my bill, and B. Compare it to their records to determine if they had already paid the original creditor Commercial Acceptance chose to completely ignore my validation of debt request and did not send any of the requested information to validate this alleged debt. 

Another certified letter with return receipt was sent to Commercial Acceptance on XX/XX/2021. It was signed for XX/XX/2021. 

This letter requested that, because Commercial Acceptance did not send any response to the debt validation letter, that Commercial Acceptance : A. Immediately Stop reporting this alleged debt to any and all Credit Reporting Agencies B. Immediately request the deletion of this alleged debt from any and all Credit Reporting agencies to which Commercial Acceptance had reported this alleged debt. 

As of XX/XX/2021, Commercial Acceptance is continuing to report this debt to XXXX, XXXX, and XXXX agencies and has not requested that this alleged debt be removed from my file with these agencies. 
It is a violation of the FCRA as well as my consumer rights to report inaccurate or fraudulent information to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
Equifax has listed fraud item on my credit file and I need to have that removed as soon as possible. This wrong item ( listed below ) is affecting my credit score and livelihood. Please delete this account immediately. ONLY Equifax has reported this fraud account on my credit history. I been sending dispute letter to Equifax and Equifax has been refused to investigate fraud account by sending ONLY ONE TIME LETTER like account was verified. Its completely destroyed my credit report. They have no proof of fraud account, they can't verify but still reporting. 
Here are the account Equifax has listed : XXXX XXXX XXXXXXXX XXXX Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to this account and/or transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2021 I was scammed out of making a Purchase of product from someone using Venmo. I normally dont use Venmo to purchase something like this but the person said this was the only way. Well come to find out, this person took my {$310.00} and then proceeded to relist the same item again, scamming more people out of the money also. I have contacted Venmo multiple times who refuses to do anything. Stating that goods and services is against their agreement so they are refusing to assist at all. Even when I ask them to look into that persons account to view the fraud/scam transactions they act like nothing can be done and that im stuck with this. I have disputed this transaction through my credit card also but they are also saying due to Venmo 's rules that I am stuck with this. I dont care about anything else, I just want my money back for this. They can gladly cancel my account if they wish to. As I will not be using Venmo ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with XXXX, Discover, and XXXX XXXX. 

XXXX : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX -Documents and information submitted to XXXX XXXX no action performed. 

XXXX XXXX : XX/XX/XXXX - {$5000.00} - XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} - XXXX XXXX -Documents and information submitted to XXXX XXXX, no action performed. 

Discover : XX/XX/XXXX - {$5000.00} - XXXX XXXX XXXXXX/XX/XXXX - {$300.00} - XXXX XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( XXXX, Discover, XXXX XXXX ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- XXXX offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that XXXX did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- XXXX XXXX shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- Discover removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: LA

Complaint narrative:
XXXX XXXX XXXX  is showing that I had a late payment in XXXX of XXXX. XXXX XXXX sold my account to XXXX XXXX in XXXX and then XXXX XXXX sold my mortgage to XXXX XXXX XXXX who still owns the account. So XXXX XXXX XXXX  should not be reporting and information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX I received an Escrow Analysis document showing a shortage and an increased monthly payment as a result. 
I reviewed the document and it shows PROJECTED v ACTUAL payments made The projected total is 12 monthly payments of {$320.00} From XX/XX/XXXX to XX/XX/XXXX ( 12 months ) The total projected is {$3900.00} The total I actually paid was {$4200.00} The total disbursed was {$4000.00} This gives me an overpayment escrow balance of {$200.00} So I was very confused how I would be considered deficient when I have extra funds in my escrow. 
When I called in, I was on the phone for 38 minutes, the escrow representative, XXXX reviewed how escrow works, and when I asked if we could go over the actual vs projected she was very unprofessional, she said she couldn't follow along with me, and that *her system analysis did not match what I was saying '' She blamed her frustration on me paying weekly, which she said " you aren't allowed to do that! '' I was so confused how my payment frequency affects my escrow disbursement, because technically, I am overpaid by thousands. When I asked her to explain and asked why her system showed something different than the document they sent me, she hung up on me. 
It wasn't a disconnection, you can hear her press a button hang up in the recording. 
Attached is the recording.

Company response to consumer: Closed with explanation