vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Since XX/XX/XXXX Synchrony Banking has been continually calling me. After contacting them and advising them of the payment issues they've gotten worse with their harassing tactics. I don't believe they think customers won't complain but I was a XXXX for 25 years and I've filed Harassing Phone Calls for less. I expect something to be handled with this type of issues. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I called to get them stop harassing me and advised that I had sent in the payment. After speaking to them they found that I had sent the payment in and the calls stopped for a time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I contacted customer service and had been explaining to them that I was attempting to pay off the amount but they would not allow me to do so saying they can only accept from a bank account number. I've still got {$2800.00} on my discover   and only owe these guys {$2700.00} and they won't let me pay it off. 
XX/XX/XXXX I started attempting to transfer these funds to my bank account to pay them off but the calls continued to come non-stop. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went onto my account and changed my phone number to an old number I don't have anymore to get them to stop. 
XXXX XXXX I again attempted to pay with the Discover card explaining to the customer service person that i have the funds but need to pay them so they'll stop calling and harassing me but XXXX wouldn't help and didn't seem concerned in trying to help me out. 
We have enough issues in this country and I'm trying to pay off my account and be responsible but I keep being talked down to and treated like crap. If these people hate their jobs that much they can find something else to do, but since this XXXX XXXX XXXX stuff has started these people sit at home and harass others that are still outside " Not Scared of a common Bug '' and working to pay bills. By the way I can pay my bill but they're being difficult in taking a payment.

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: MD

Complaint narrative:
I received an offer for zero percent APR from XXXX XXXX XXXX XXXX Mastercard on balance transfers. I applied for the card, the balance was transferred, and I set up autopay. When I reviewed the bill I noticed that they had been charging me interest. I called and explained the situation, but they said I failed to apply a code and their was nothing they could do. They stated I would need to submit the original offer which I no longer have in order for the zero percent interest on balance transfers to apply.

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 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
To whom it may cocern went to threw XXXX XXXX XXXX to purchase a living room set it was 2 pieces fianced at {$160.00} a month for a 1yr the company name as follows.XXXX XXXX. this company charged me XXXX for my first payment to my debit card. Price {$160.00} cent the company was contacted by myself the fianc instatatution charged me a total ov {$990.00} on contract for 2 pieces ov used furniture I was told to first down payment ov {$27.00} for the furniture to be delivered I paid as agreed {$27.00} the first payment was exactly {$160.00} the fianc company was informed me the 1st payment was {$160.00} the company took a total ov {$320.00} on the first payment the company explained the amount went to another buyers contract this company blocked me from all cummcations to them I was very irriatated about being charged for someone elses contract I explained to the company XXXX XXXX XXXX  I needed a refund for the full amount ov {$320.00} because the company breached the contract explained that XXXX XXXX took the the funds to pay anothers contract holders agreement.Now this was removed from my Credit Beuarus back in XXXX dew to the company not being able to provide documents to verify my personal info dew to this error another 4 party colllection agency has put this on my 3 credit files XXXX XXXX also XXXX I would like for this to be verified by Name SSN or identification DL that this account actually belongs to me if the collection agency or the credit 3major Credit Beuarus cant verfiy with anything butt my date ov birth I would like a full restoration to my 3 credit beraues as far my credit file and score to be updated correctly I would like to challenge this issue with this 4 party collection agency because ov past errors ov this being sold to another collection agency when it already has been removed because this collection agency has no accurate info iv called this collection agency to give me detailed info to me the suppose to be account holder the FCRA explains in XXXX XXXX XXXX that explains that collection on any dollar amount over {$100.00} 0 and over needs to have been court ordered on the civil process the FRCA explains that any and every amount over a {$1000.00} needs to be heard by a Civil COURT if the collection can not provide written documentation from the county the action was addressed in.It can be removed to the fair credit act act since XX/XX/XXXX I would like this updated and inaccurtess removed and also challenged also the XXXX XXXX XXXX  charged me {$260.00} the company refused to return the products it has fell apart and at the dump site no way ov returning the company tryed to scam me out ov {$260.00} to return the product told the customer service team I didnt have no money to pay this company to return the product and the company refused to return it to the location deliverd from Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.

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 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: ME

Complaint narrative:
The company, Credit Corp Solutions is calling me at my home multiple times per day even after I speak with them. I have told them multiple times Ive lost my job, I have nothing/no ability to pay them in every spare dollar I have are going to essential needs. I have explained the situation to them repeatedly and I understand that they will periodically want to call. But they have increased their calls as if to attempt to harass me and are now telling me causal stop if I Simply commit to an agreement with them. They are a collector and not a company I have engage with for business. They say they represent my credit card company but have provided me with no proof of that. They are increasing my XXXX my phone will not stop ringing with their calls and when I block the numbers they called from new numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One - XXXX is reporting a debt on my credit fie that i do not owe. I recently checked my credit file and notice this debt, i called immediately and paid this debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My application was denied because it said that I was in a relief program and that is not true. I am not in any deferral program and have been on time with all my payments and never been late. This is not fair and I am willing to go to my Attorney General to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
l have submitted three certified letters to Transunion, XXXX  XXXX  credit report bureau about that method of verification of bankruptcy on my credit report. I am not denies l did not filed bankruptcy in XXXX l am requesting their method of verification/ how they got this bankruptcy if the court do not report it.The letters was send out on XX/XX/2020, XXXX. For the last two investment results to me it stated that bankruptcy was verified by the XXXX XXXX XXXX XXXX Florida Docket Number XXXX. But they keep send me their investigation results stating verified as accurate. As stated above l have to right to request their method of verification and for it to be send to me. l have not got any method of verification from Transunion, XXXX, XXXX.I wrote a letter to bankruptcy court that they claimed they got my info from and the USBK Court bankruptcy court where the item was filed stated in letter address to me that they did not report to any credit report agency or any third party agency. It is public record for anyone to look up any public record

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 2020-08-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance Corp is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX  shows the account is in collections. XXXX  and XXXX  are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date credit acceptance opened is XX/XX/XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!

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 2020-08-24 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.

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 2020-08-24 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Expedite Financial, Inc
State: IA

Complaint narrative:
XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX  was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX  to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM reported to the credit bureaus that I owe a debt that I do not. I never had a balance with XXXX  realty and it was an error. I've contacted National Credit System about this error and they still falsely reported a debt that I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
The company, XXXX XXXX XXXX is calling me at my home multiple times per day even after I speak with them. I have told them multiple times Ive lost my job, I have nothing/no ability to pay them in every spare dollar I have are going to essential needs. I have explained the situation to them repeatedly and I understand that they will periodically want to call. But they have increased their calls as if to attempt to harass me and are now telling me causal stop if I Simply commit to an agreement with them. They are a collector and not a company I have engage with for business. They say they represent my credit card company but have provided me with no proof of that. They are increasing my anxiety, my phone will not stop ringing with their calls and when I block the numbers they called from new numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
NOTICE OF INTENT TO FILE A LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX EXPERIAN XXXX XXXX XXXX, TX XXXX XX/XX/2020 To Whom It May Concern : This is my official notice to file a lawsuit for 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Over 90 days ago, I wrote to the creditor in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against EXPERIAN for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : XXXX 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 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo On XX/XX/2007 repossessed my truck because they claim I had no insurance and they never reached out to me back then and now there not reaching out to my insurance company. My Agent is from my home town and I have know him all my life. He got american family to release the proof without a court order as he remembers others that had this done to them. They added cpi insurance in a fraudulent manner and raised my payment to a point I could not afford after making all but 1 year left of payments. Leaving me without a car and I had just had XXXX XXXX.I supplied them with proof of insurance last week so they really should be able to cut me a check very soon and I dont see the need to drag this out any further. I had the very same insurance the entire time I had the truck and only after they took it 2 days later I dropped the insurance and they also told me they repossessed it on XX/XX/2007 then I called my agent and told him what happened so he advised me to drop the insurance and thats just what I did.I dont understand why they think I should of had insurance through XX/XX/2007 just would have cost me more money. 
I need my money and I also had to file bankruptcy and lost the money I had paid on the truck for years. The truck had 40000. miles on it and it was like brand new. I need a car and it is about time wells fargo gives me a check soican get one.

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