vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX  and XXXX  are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}

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 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I opened a XXXX XXXX credit card with a credit limit in XX/XX/2011 with a limit of {$1500.00}. Now a collection agency by the name of midland funding llc is trying to extort {$3500.00} as of today and it is no longer a credit card account but account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: OH

Complaint narrative:
The attached document details that the merchant ; s shipment was delivered open & damaged, confirmed by the USPS. Neither the merchant - XXXX  - nor Capital One will issue a credit. The details describe the fraud by both of these parties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I used XXXX to purchase a product from XXXX. The seller never sent the product promised and I kept trying to contact them they never responded and then I told them I would take legal action and I called my back and XXXX XXXX was told it was nothing they could do. I was so upset then the scammer decided to answer and sent me a package full of paper I was really hurt. This is crazy how people can think there doing the right thing by sending from there bank and then theres no protection.

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 2020-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
Opened new account in XX/XX/XXXX in order to take advantage of a New Account Bonus  offer of {$750.00}. I met all qualifications for the offer and inquired into the payment of the bonus in XXXX of XXXX. I was then told that i did not use the right promotional landing page in XXXX of XXXX. I have actually worked in the XXXX XXXX for 28 years and feel better equipped than most to fill out a new bank account online. 
The fact that HSBC said i used the wrong landing page feels deceptive and i have since closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: LA

Complaint narrative:
I recently received notice from my homeowner insurance provider of significant rate increase ( ~40 % ) due to change in credit rating. Ran report and discovered a claim from collection agency ( XXXX XXXX ) related to fraudulent charges ( gas credit card ). Upon being made aware of charges in 2019, our attorney requested evidence of charges. No response was provided. 

What do I need to do to have this fraudulent claim removed from my credit report ( s )? 

Thank you in advance for your help. 

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 2020-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX  XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
VIOLATIONS AS OF MONDAY XXXX XXXX : THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW. 

This company filed a frivolous lawsuit never having spoken with the alleged consumer. 

THIS COMPANY HAS REFUSED SERVICE. 

FAILURE TO PROVIDE CONTRACT VERIFICATION AS STATED FCRA 609 TO ALLEGED CONSUMERS ; XXXX ; XXXX  ; AND XXXX. 



VIOLATIONS ARE AS FOLLOWS : For all intended purposes This Company shall refer to the following : XXXX ; SCOTT & ASSOCIATES , PC ; ITS SUBSIDIARIES AND OR COUNTERPARTS ; BUT NOT LIMITED TO. 

A DEMANDED VERIFICATION WAS SENT TO THIS COMPANY TO PROVIDE FCRA 609 & 611 ( EXACT SECTIONS WERE SPECIFIED ) .THIS CERTIFIED LETTER WAS CONFIRMED AS RECEIVED. 

THIS COMPANY HAS REFUSED TO PROVIDE VERIFICATION OF CONTRACT AS SPECIFIED VIA FCRA 609. 

This company spoke with persons other than alleged consumer regarding allegations. 

This company has violated FCRA 609 & 611 as stated confirmed as received via certified letters. 

This company has refused to provide verification to alleged consumer after having received numerous certified letters confirmed as received to do so. 

This company has written defamatory statements on alleged consumers credit This company has reported false inaccuracies on alleged consumers credit report. 

This company makes harassing calls to alleged consumer. 

This company believes themselves to be above the law and refuses to follow the law to provide the above. 

This company has several past and current class action lawsuits for exact same violations. 

THIS COMPANY IS PAST THE 30 DAY MARK TO PROVIDE VERIFICATION AND HAS NOT DONE SO NOR REMOVED THEIR ILLEGAL DEROGATORY MARKS ; INACCURATE CREDIT REPORTING AND DEFAMATORY STATEMENTS. 

This company has violated federal laws and is to remove any and all derogatory marks statements inaccurate and false Credit reporting for unverified allegations. 

This company has not provided any verification declared written under penalty of perjury under oath. 

This company seems to be confused that a mere stated belief is not a legitimate legal fact that would hold in any court of law.As they were obviously confused between what a fact versus a belief is ; were given lawful examples and exact legal verbiage of what is acceptable which is not e-Oscar. 

This company is in violation of all the above but not limited to and is past due to be held accountable.It is a federal crime to report inaccurate information on unverified Allegations. 

THIS COMPANY IS TO REMOVE AND AND ALL INACCURACIES WHICH ARE THE FOLLOWING BUT NOT LIMITED TO : ILLEGAL DEROGATORY MARKS REPORTED ON ALLEGED CONSUMERS CREDIT FOR UNVERIFIED ACCOUNT. DEFAMATORY STATEMENTS ILLEGAL INACCURATE CREDIT REPORTING ON ALLEGED CONSUMERS CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  closed my account with XXXX balance on XX/XX/2020/I did not close this account.This was a XX/XX/XXXX card and cant be used becauseXX/XX/XXXXis closed

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 2020-05-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM 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 explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/2020 at XXXX, I received a phone call from XXXX XXXX XXXX XXXX XXXX that was supposedly a Cash App representative that was trying to verify that I sent my mother {$100.00} on Cash App website. My mother was having trouble accessing the money sent to her via the Cash App. My mother got Cash app phone number from XXXX, and gave this so- called Cash app representative my phone number. The representative already had information about my mother and was trying to get my pin. Unfortunately I couldnt remember my pin, so he text links for me to access to reset my pin. I received a fraud alert from my my credit union that someone was trying to debit {$2000.00}, {$1000.00}, and {$500.00} dollars from my account. I try to contact Cash App but it was difficult. There is no way to get help from Cash App about these situations. I deleted my account with Cash App. My concern is the same number XXXX XXXX XXXX XXXX XXXX called me again and this person keep sending me texts from a phone number XXXX XXXX XXXX XXXX XXXX about a person sending {$1100.00} to me via my cash app with a link. The same person took {$200.00} from my mothers cash app account also today. I would like to submit a complaint and a alert of possible scam and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX  and Transunion are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX  amount {$450.00}

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 2020-05-11 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: FL

Complaint narrative:
XXXX, Equifax and XXXX are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Best Buy credit card with a credit limit in XX/XX/2011 with a limit of {$1500.00}. Now a collection agency by the name of XXXX XXXX XXXX is trying to extort {$3500.00} as of today and it is no longer a credit card account but account

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My annual fee of {$95.00} for the United Explorer Card is due soon. Given that the card is a travel based card, with benefits being mainly just 2 passes a year to the United Lounge, I don't see how cardholders are being asked to pay the fee during this pandemic. We are unable to travel since XXXX of this year and in the foreseeable future. Other companies have been very flexible and have waived these fees, but Chase/United not only will not provide the policy where it says they can't do this, but have been extremely brash in their dealings over the phone. I have simply requested a copy of the member terms & conditions stating they are unable to waive the fee- they have outright refused to provide this. How can they be trusted when they are not providing documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
I found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.

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 2020-05-11 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: FL

Complaint narrative:
XXXX account is paid and closed but is still reporting on my credit report. 
I asked all three of the credit reporting agencies to remove this account since it impacting my score negatively. However they have yet to even look into this situation accurately. 

account XXXX paid closed

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 2020-05-11 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: CA

Complaint narrative:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM 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 explanation
Consumer complaint received 2020-05-11 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: CA

Complaint narrative:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM 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 explanation
Consumer complaint received 2020-05-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO 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 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX  XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.

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 2020-05-11 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: WI

Complaint narrative:
XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: WI

Complaint narrative:
XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.

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 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NM

Complaint narrative:
I received a negative collection notice on my credit report from Phoenix Financial Services attempting to collect a debt for XXXX XXXX XXXX XXXX for a delinquency on XX/XX/2018. I researched in my calendar for any medical appointments for XX/XX/2018. I did not have any medical appointments during that time period. I am a retired military XXXX and I am covered by XXXX insurance. I would not have a medical bill. Phoenix Financial Services is a company that is known for scamming people with be guilty of all known scams. I filed a dispute through the credit agencies and they have sided with Phoenix Financial Services, even though, PFS, have no documentation to back the claim. At least is wasn't presented in the dispute. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  closed my credit card ( XXXX ) on XXXXI did not close this account.I stopped using this account when XXXX closed and went bankrupted.I kept it open so it does not reduce my credit score by closing it.I couldnt use this credit anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I got a Synchrony Bank Credit Card from Mattress Firm that I used to purchase 3 mattresses, pillows and mattress protectors. 
I did this purchases in 3 different transactions, 2 the same day, 1 some weeks after. 
All this was bought with a promotion of no interest for 18 months. 
For a reason that I can not explain the CreditCard decided to apply my payments in a way that one of the promotions was affected more than the other and therefore I end up paying one the the purchases faster thats the other. 
After that I realized some months later that my balance had a spike when I purchased nothing new. I suspected of fraud to only realize the credit card decided to charge me interest for more than 200 going back to original purchase day as I did not realize my payments were applied in a way different than I expected. 
All in all I was charged {$230.00} on interests. 
I called Synchrony bank several times. Spoke with agents and Manager and they basically told me they were in the right of charging me interest and therefore they do. 
Totally upset with Synchrony, awe full experience. 
I look forward to recover my money that was charged on interest and close all my synchrony accounts. 
Hopefully some exemplary measures can be taken agains them so they do not take advantage of people.

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 monetary relief