vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Debt Collection harassment of the debtor for credit card charge-offs issued by XXXX XXXX such as XXXX XXXX XXXX. I am a divorced male XXXX senior citizen living on social security. I have a difficult time paying for XXXX and the XXXX XXXX to minimize the XXXX of XXXX. I was XXXX   for complications of XXXX for several weeks and spent six weeks in a XXXX XXXX. When I returned home my apartment was ransacked. Social security card, passport, and driver 's license were among the items missing. A XXXX XXXX XXXX account was opened and merchandise purchased. I don't remember opening up this account. XXXX XXXX informed me the account was in collections. I began to receive multiple robocalls each day on my cellphone from different phone numbers. I answered the phone the call on my cellphone and immediately the call would terminate. Unless the number matched a contact in cellphone I just blocked the number. As a result of this continued harassment, I missed an important call from XXXX XXXX XXXX provider to inform me they had not received payment for the month. Within a week XXXX XXXX XXXX provider canceled the drug coverage.  I would have to wait until open enrollment for coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 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: CITIBANK, N.A.
State: UT

Complaint narrative:
MACYSDSNB - XXXX is reporting an erroneous debt on my credit. I paid this balance off 6 years ago and it is still reporting a balance. This debt is inaccurate, invalid, and past the statute of limitations. This is a violation and it needs to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: LA

Complaint narrative:
Contacted Experian ... Still waiting on paperwork from them to reply to police ... Customer who has this on my record refuses to speak to me directly refers me to collections company ... Collections company refer me to Experian to which Im spoken to them several different occasions concerning this fraud on my report ... I also made them aware that they where in violation of my consumer rights to which the ignored ...! THESE CREDIT REPORTING AGENCIES ARE SCAM ARTISTS SELLING ILLEGAL SERVICES ...! XXXX XXXX has consistently provided me with accurate credit data with XXXX XXXX and XXXX XXXX stating different from Experian ...! EXPERIAN IS A RIP OFF AND NEEDS TO BE FULLY INVESTIGATED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: WA

Complaint narrative:
Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as XXXX. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Called Experian, in response to a Credit Freeze letter. The letter incorrectly identified my credit as frozen. Called the IVR and tried for almost 30 minutes to get to a human being to discuss the letter and couldn't. Finally went online, found the phone number for small business services and got to a human being in 5 minutes, who explained to me the letter was incorrect, there is no freeze on my credit. The Experian Consumer IVR is about the must unfriendly, unhelpful IVR I have ever used. Terrible. Actually wasted my time as a consumer, confused the XXXX out of me and deliberately ended with send a letter or go online. I won't use Experian 's online service because after their trial period they start charging you and I only need to use the online service once a year or something. Completely unfair and wrong to charge customers to use an online application to resolve problems experian created in the first place. Especially since the IVR drives you to use the online tool, and Experian charges for the use of the online tool after the 1st month of using it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
On XX/XX/2020 I attempted to purchase an item from a website called XXXX. ( this website is no longer active but it is still indexed with XXXX search engine, and they company is now doing business at XXXX ) The item I attempted to purchase was a XXXX XXXX XXXX gaming motherboard for the price of XXXX ( this item weighs 2.2 lbs according to product specifications on an XXXX listing ) The merchant charged my card using XXXX and a few days later they provided tracking number that indicated that the item had been shipped and delivered. 
Since I never received the item I opened a dispute with my credit card company, Chase Bank. I also examined the tracking info that the company sent me. It said that the package that was sent weighed only 0.8lbs even though the weight of the item I ordered is over 2lbs.  I also called XXXX and told them I never got the delivery. When I provided the tracking number to XXXX they informed me that the tracking number the merchant provided was for a package that was sent to a different person at a different address, that did not match my name and address, which was on the order confirmation and invoice. 
On XX/XX/XXXX I got a Notice from Chase saying " we consider the charge valid based on our research and the information available to us '' they removed the temporary credit, re-billing me for the {$140.00}. 
On XX/XX/XXXX I reopened the dispute with written fax with a description and documentation of my findings ( Tracking number not associated with my address, and discrepancy with item weight vs weight on tracking info ) OnXX/XX/XXXX I received another letter from chase saying that they consider the charge valid. When I called them they said I would need to send another letter to reopen the dispute, even though I have already provided a full description and supporting documents. They even verified that they have already received all the documents I included and my written description of the discrepancy on the merchants claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I continue to received updates daily on my credit report from the company I.C. System, Inc,  i have sent a letter for debt validation because i do not believe the account belong to me, i have heard nothing from the company only receive daily updates that my account was flagged as Collections. 

IC Systems Inc XXXX XXXX XXXX XXXX XXXX, MN. XXXX {$320.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had several open lines of Credit, Synchrony bank today closed all lines, My Carecreditt XXXX with XXXX balance, my Guitar Center Acct XXXX ... XXXX balance, my XXXX XXXX XXXX XXXX XXXX Balance ... my Mastercard PAypal ... with XXXX line of credit XXXX balance currently, my PayPal Credit XXXX line of credit ... XXXX balance ... all act, my Dicks Sporting goods card XXXX line of credit XXXX dollar balance currently ... all accounts are paid current, my XXXX XXXX XXXX score is XXXX and I spoke with them and was told by all 3 credit reporting agencies Im ni good standing, with exceptional paying record, my income is over XXXX ... yet Synchrony shut all my accounts down, and said it was because im a high risk??? and poor payback potential via XXXX XXXX report?? ''?? '' thats a lie, Carecredit, Dicks Sporting goods, Guitar Center, XXXX XXXX accounts have all within past few weeks given me a line of credit increase ... as verified by XXXX XXXX report uploaded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I went to the ATM machine to withdraw {$200.00} to pay my bill in the machine did not dispense my money I talk to the Store guy he tried to call and couldnt get through but had me come home and call my financial my card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NV

Complaint narrative:
There are two debts showing on my credit report with Portfolio Collections, account no. XXXX for XXXX XXXX XXXX and account no. XXXX for XXXXXXXX XXXX. I was contacted by this agency and was told I owed these debts but could not be sued. After trying to receive information to verify ownership pertaining to these debts, with no success, I filed a dispute wih the 3 credit bureaus. The agency did whatever they needed causing no change with the credit bureaus. After receiving additional calls from this collection agency I wrote a letter requesting verification of this debt with my signature to confirm these credit defaults. I give the collection agency 30 days to gather information with my signature to prove ownership. In or around 20 days later I received a statement ( that was not familiar to me ) for XXXX XXXXXXXX XXXX but no actual signature verification. I did not receive anything regarding the second account XXXXXXXX XXXX 
I am asking for this information to be removed from my credit report or produce verifiable information with my signature. I would appreciate your assistance in bringing this matter to a resolution. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX XXXX P.S. I have attached the dispute letter sent by XXXX XXXX and the respose sent by Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RICHLAND HOLDINGS, INC.
State: CA

Complaint narrative:
I've never owed this credit collection company, nor the original creditor, any of the unwarranted debt they claim that I owe, nor do I owe the additional unwarranted debt accrued since originally making me a victim of their illegal, debt-accruing, crime operation in early 2018. Note : this company is known for accruing false debt and subsequently purchasing more debt on top of what they initially, unjustly, and illegally accrued ; just check their XXXX reviews [ Account Corporation of Southern Nevada ], in order to slander one 's financial reputation for their company 's own personal gain/debt reconsolidating purposes, I presume. Another note : I don't have any other history or slew of derogatory accounts except for this and if I do they are well under XXXX $ and are also in the process of being disputed/litigated, as I've never had an instance where I haven't paid an amount on the correct date it was owed. Hence, my credit report shows a mostly accurate depiction of my financial history, in which this unwarranted derogatory account [ Account Corp of Southern Nevada ] does not support and is tremendously out of the ordinary/ doesn't following my usual financial patterns. XXXX has already removed the report as a result of inaccuracy. Currently in the process of disputing the inaccurate information/ relaying the removal to the rest of the credit bureaus. Again, this account is an error/unauthorized and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I received a letter regarding receiving UI benefits however I have not received the prepaid card that was supposed to to used for the purpose of receiving the benefits. When I tried to call the number provided for the Go Program Customer service I was placed on hold several times for over 30 minutes at a time each time I called. When the phone would finally get answered I could hear dogs barking in the background, or someone with a heavy accent with a very bad static sounding connection who just hung up after a few additional seconds and/or minutes of me saying " Hello?, Is anyone there? '' This would go on each time I called. ( I have called about 30 times. ) And I have not yet received any of my UI benefits or a UI prepaid card or a direct deposit into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I survived eartquakes and pandemic covid 19 disasters and PENFED after I tries several attempts to ask for loan consolidation of credits cards, moratorium in my payments only 4 months they make an UNAUTHORIZED TRANSACTIONS OF THE ONLY MONEY THAT I HAVE TO RESOLVE THIS MONTH, THE PROCESSED A UNAUTHORIZED PAYMENT FOR ONE OF MY CREDITS CARD OF {$100.00} ON XX/XX/2020 AND CHARGE {$10.00} AS A SERVICE FEES ON XX/XX/2020. tHE MAKE THE TRANSACTION WITHOUT MY AUTHORIZATION, i DID NOT RECEIVED ANY HELP AND TOOK THE MONEY FROM MY ACCOUNT WITHOUT MY ANUENCE WITHOUT MY AUTHORIZATION AND WITHOUT MY CONSEN. tHEY SAID THAT THEY CAN BUT i KNOW BY A LAWER XXXX XXXX THAT THEY CAN'T MAKE ANY TRANSACTION ON MY ACCOUNTS WITHOUT MY ANNUENCE WITHOUT MY CONSENT IN THE MIDDLE OF THE PANDEMIC DISASTER. tHEY STOLE MY MONEY FROMY ACCOUNT I UNDERSTOOD THAT, IT IS THE ONLY MONEY THAT I HAVE AT THIS TIME BECAUSE THE PUERTO RICO GOVERMENT TAXES IN A DISCRIMINATED WAY NOT WANT TO GAVE ME MY INCENTIVE A THEY GAVE TO EVERYBODY ELSE. I TOLD THAT THEY SHOULD RETURN MY MONEY THAT THEY CANT TAKE MY MONEY. THE aISABET WAS THE FIRST ASSOCIATE THAT ATTENT MY CALL. THEN TRANSFER TO XXXX XXXX XXXX AND THEY SENT A FORMTO FILL IN ORDER TO VIEW IF THEY WILL OR WILL NOT RETURN THAT DEPEND ON MANAGER DECISION, AND I NEED IT. i SENT A LETTER ON XXXX TO THEM ASKING HELP AND MORATORIUM AND THEY DENIED ME MY LAST PAYMENTS WERE ON XX/XX/2020. THEY SAID THE CALLED AND THEY DIDNOT CALL ME THEY ARE LIED, I DID NOT RECEIVED ANY CALL FROM 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 2020-07-24 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: NY

Complaint narrative:
I applied for a Quicksilver credit card on Capital One 's website on Friday, XX/XX/XXXX. 
Their website clearly states a promotional offer of a {$150.00} sign-up bonus for new card holders. 
After applying, Capital One ran a hard inquiry on my credit, and then offered me almost the exact same card, but without the {$150.00} sign-up bonus. The purchase rate and transfer info rates were slightly different as well. 
My credit score is excellent, and clearly they are generally fine with providing me the credit card given the " adjusted '' offer, so it is not an issue with my credit, but rather a decision to remove the sign-up bonus from the equation. 
I believe this is misleading to the consumer. I would never have applied for the card, if not for the promotional offer, which was then denied to me after hurting my credit score. 

Not only that, but I then tried to call the company, and their handling was abysmal. Their credit card department was not taking calls about new applications, so I spoke to the general customer service department. I was told that no one at the company could even answer my question about whether a hard inquiry was run and I had to check this for myself. Since the credit card department was not taking calls, I was told I could not get any other answers about their credit card products/services on the phone either. 
Finally, I asked to speak to a manager as I wanted to escalate the issue. I assumed there must be someone at the company I could speak to on the phone who would be able to answer my questions. Instead, I was hung up on. 

Their approach is directly against any fair consumer laws. 
They have misleading advertising. 
Their hard inquiries following the misleading advertising hurts consumers ' credit scores, while not providing what was advertised. 
And their customer service policies seem to deliberately avoid answering consumer questions and providing an adequate solution to the above. 
I hope this complaint helps other potential consumers of Capital One 's products and services in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
SYNCB/ OLDNAVY - XXXX is reporting an inaccurate late on my credit. I was never late and have never been late on this account. I made this payment on time and they messed up and marked it as late. This is not my mistake and it needs to fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
I applied for forbearance 30 days ago. Emails claim that it will take 5 days to process. When calling the wait times are over an hour and the phone tree goes no where. The loss mitigation team is a no show, meanwhile due to COVID-19 I am  having trouble paying 2 months in a row.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation