vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened an auto loan with you guys on XX/XX/2018 and it is not currently reporting to my XXXX  credit bureau. The partial account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I didnt even realize that this collection agency was trying to collect this debt. Recently received notice that they are repeatedly reporting this on the credit bureaus twice a month as if new. This has dropped my score by 150 points from flagging chapter XXXX dismissed repeatedly. I had no knowledge of the debt owed to them. My debt was satisfied with a 1099c from original debtor. I do not owe this company and now they are abusing my credit report. I have uploaded pictures of the 16 times they have flagged my credit over the last 8 months. This amount isnt even the amount I originally owed the original creditor, it is more

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ DATA INTERNATIONAL has a negative collection item on my credit report reporting since XX/XX/2019 ( XXXX and XXXX ) and XX/XX/2019 ( XXXX ). I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 2 times. They sent back my letters and never responded to the letters. I sent each letter via certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I want this removed from my credit report immediately. They are not above the Texas Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
A person told me that they had access to erasing student loan debt, and that from XXXX dollars from federal student loans, I would only have to pay XXXX dollars. That is if I paid this person XXXX dollars through PayPal. I was naive and paid the XXXX, later realising it was a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
COMPLAINT AGAINST AMERICAN EXPRESS SERVE My XXXX XXXX autopay was not cancelled like I thought. On XX/XX/2019, {$220.00} was taken out of my AMEX SERVE account. I contacted XXXX and they reversed the payment and sent the money back to my account. 

On XX/XX/2019, the transaction was completed and {$220.00} was posted to my account. Immediately after it was posted to my account AMEX SERVE took the {$220.00} out of my account or put a " hold for review '' on the {$220.00}. SERVE will not tell me why and they claim that they haven't received the money back from XXXX, they only received a notification that a refund was being processed. Which is a lie because It shows in my cometed transactions history the money being added back to my account on XX/XX/2019. I even have the transaction ID #. It also shows the transaction and transaction ID # for the removal of my money placed on hold for review by SERVE. I can not access my own money for 7 days or more. I blew a tire and can not get to work because I dont have MY MONEY to buy a new tire! 

SERVE claims they are not the ones holding my money, they claim it is XXXX bank holding it for review. Even though XXXX reviewed and APRROVED the refund and sent it back on XX/XX/XXXX. SERVE is lying. Its them holding my money not verizon. XXXX reviewed and approved it before they even sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: NV

Complaint narrative:
These 2 accounts arent mine. Please remove 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 non-monetary relief
Consumer complaint received 2019-11-30 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: NV

Complaint narrative:
These 2 accounts arent mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: DE

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have autopay set up with Care Credit, but instead of withdrawing the agreed-upon amount they withdrew the entire debt. 
I have called them multiple times and they are reluctant to help me. They said that I have to wait for the money to clear before they will even do anything. However, the debt is larger than the total value of the account and I will end up having a negative balance.

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
Consumer complaint received 2019-11-30 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: DE

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-30 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: DE

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-30 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Ive sent the first debt Validation letter to Portfolio Recovery Associates on XX/XX/2019 and they didnt send proof of validation, so proceeded to submit another debt validation on XX/XX/2019 and they basically said that any more letters will be ignored because they dont have to validate the debt. The newest letters I received from them was on XX/XX/19. To my know knowledge this is a violation of the FDCA so this is why I am making this complaint so they can remove this account from my credit which is negatively effective me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
First two phone calls agent lied and told me the only way I could get a freeze on credit report was by buying their policy at {$16.00} a month. I bought a year 's worth only to find out this was false info. I had been told repeatedly by 2 different agents that " no purchase, no freeze. I wrote at least 3 emails to them with no results. Finally was able to cancel all but the first month of my contract, so have already paid the {$16.00}. My policy coverage began on the same day as my calls, ( also the day after my computer was hacked and I lost all privacy on it, ) XXXX XXXX, 2019. I submitted all this as feedback to Equifax and have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A few schredule payments were return do to invalid card and my card is not invalid my account was close for this reason for suspicious theft fraud i recently made a payment online when i was told my card dont work and it process successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: IL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2019-11-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2019-11-30 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: NV

Complaint narrative:
There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. 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 non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: VA

Complaint narrative:
Professional Credit Service for XXXX XXXX. 
In XX/XX/2015 I switched by cellular company & went to XXXX. 
I opted to keep my same phone number. 
When I left XXXX XXXX  I had an outstanding balance of {$50.00}. 
I was planning on paying this balance in XX/XX/2015 along with any late fees that were accrued. 

In XX/XX/2015, XXXX XXXX  starting charging me for 2 months of service. 

When I reached out to them for an explanation, I was told because I did not notified them. 

This is a TOTALLY false statement, because when someone changes providers the new company ( XXXX ) will contact the current company ( XXXX XXXX ) to see if the service is still active. 

So XXXX XXXX  was made aware of this. 
I also complained to XXXX XXXX and to the collection agency. 4 YEARS later and I am still being billed, penalized and there is no resolution in sight! 

I am willing to pay the {$50.00} plus REASONABLE late fees, but certainly not the {$200.00} that the GREEDY DEVILS are looking for. 


Please help me to CLOSE this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: NV

Complaint narrative:
There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. 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 2019-11-30 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: NV

Complaint narrative:
There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has frozen my 2 credit card accounts over the last 30 days ( XX/XX/2019 ) requesting documents about the authorized users on my account and requesting documents about myself. 

They claim they must verify that the Authorized Users are " real '' people and that I actually know these people. They claim that they must also verify my identity and make sure I allowed these people onto my account as authorized users. 

I've provided all the documentation they've requested ( copy of ss card and ID ) for each Authorized User. I've also included my own ss card, ID, bank statements, and phone bill, to prove my identity and current mailing address, yet they refuse to release my account. 

They claim that the copies I've provided of social security cards and driver 's licenses are not good enough ( when indeed they are perfectly legible ). They said they do not want copies, scanned, or faxed versions, they want picture / text message versions of these sensitive documents, which I feel is a security risk. 

I asked if I can provide additional documentation such as passports, w-2 's, or any other supporting documentation to prove their identity. They said no, they will not accept any other documents and they will not accept any other format ( copies, faxes, scanned ). 

They said if I can not provide the documents in the exact format they request they will send my account to inactive status which I feel could potentially hurt my scores and hurt my ability to get credit and financing as I am currently looking to purchase a home. 

I receive their calls while at work and this has pulled me away from being able to work due to the time it's taken to go out of my way to fulfill their unreasonable requests. 

This has caused stress, taken me away from work, and has caused me to be afraid for my high credit scores to drop and hurt my ability to purchase a home. 

I currently use these cards for business and having these accounts frozen has also hurt my ability to continue running my business efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I purchased a XXXX  XXXX XXXX. This purchase has proven to have lasting consequences. Auto finance companies in my case Chrysler Capital Santander set and established a whole salebuyrate for potential retail installment sale contract ( RISC ) and communicates that rate to the dealer XXXX  XXXX located in XXXX XXXX. This so calledpolicy which allowed the dealers to contract with me for a higher rate ( pejoratively referred to by the CFPB as the dealer markup. 
After looking through my contract I found no mention of this. And after extensive research I learned that this information is not disclosed to buyers at all. Also, If the contracted amount is higher than the wholesale buy rate, and the contract is assigned to the finance company, the dealer receives an amount referred to as a reserve ( or finance charge participation ). 
DMEA. In some instances the profit is split between the dealer and the finance company. I learned shortly after XXXX XXXX XXXX  financing offered me an extremely lower interest rate that the dealer did not disclose to me. It wasnt until I received correspondence from XXXX  XXXX that I learned that offer was afforded to me and at that point I had already singed the bill of sale for financing at an interest rate of 22 % from Chrysler Capital. This is a common occurrence and experience for minorities and should not be permissible but be considered Predatory. Fair business practices should disclose all factors that has additional cost implications for the buyer. Perhaps if any of the points I made above were disclosed I would have decided otherwise or negotiated other terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
The account with Capital One Bank is showing I owe {$3000.00}. This is incorrect. The balance on this account is much lower and this company refuses to negotiate with me so that started increasing fees and interests to make it much more than it is. I want this company to leave contact info so that I can begin paying back at the original balance amount that was due when I began negotiating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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