vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
On XX/XX/XXXX my bank account and my sons bank account were beyond wiped out by this company claiming I have a cellphone bill from XXXX for $ XXXX with XXXX XXXX XXXX. Illegal practices, scam artist. They can not provide me with the bill or the original proof of service yet XXXX XXXX allowed them to take my funds. Consulting with a consumer attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION AND RENTED AN APARTMENT IN MY NAME FROM XXXX  AT XXXX XXXX XXXX XXXX. THEY RENTED IT ON XX/XX/2015. I AM ENCLOSING A POLICE REPORT AND IDENTITY THEFT 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 2020-03-12 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: SMITH, ROUCHON & ASSOCIATES, INC.
State: AL

Complaint narrative:
I had a bill from XXXX XXXX XXXX Hospital ( XXXX ) in XXXX AL after an accident that was deemed no fault of mine ; but, I paid the bill which was {$150.00} for ER care. I have the cashed check from XXXX, and I even sent them a copy, to no avail. I contacted the credit bureaus, and sent them a copy of the cashed check. The date of the bill was XX/XX/XXXX and the hospital cashed my check in XX/XX/XXXX. My bills were subrogated and this bill was paid again. When the credit bureaus investigated, they found the bill had been paid and the bill collector company wrote a letter to the credit bureau stating the bill had been paid by insurance and would be removed from my credit report. To this day, the bill is still on my credit report, and it has been months. The hospital was XXXX, but it is now XXXX XXXX  Hospital and the collection company is Smith and Rouchon. I have a copy of my canceled check and the letter from the collection company about the bill being paid, but nothing has changed ; the bill is still hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ASTA FUNDING INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my bank account and my sons bank account were beyond wiped out by this company claiming I have a cellphone bill from XXXX for $ XXXX with XXXX XXXX XXXX. Illegal practices, scam artist. They can not provide me with the bill or the original proof of service yet XXXX XXXX allowed them to take my funds. Consulting with a consumer attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for

the Capital One Savor credit card. I received a mailer in US
Mail to my address at XXXX XXXX XXXX XXXX Fl XXXX that once I apply, and if I am approved, I would get {$150.00} bonus after spending {$500.00} on my card within 90 days. 

I liked the offers, so I followed the steps to apply for the card online. Shortly after I received the card and used it to spend {$500.00} with the hopes of getting the {$150.00} bonus. 

After a few months, the bonus had still not been applied so I contacted Capital one. they looked into it, and XXXX advised me that the fine print says that you may or may not receive that bonus, and unfortunately you did not get the bonus. I asked him to elaborate why? XXXX from capital one responded along the lines that although he is not sure why, the terms and conditions in the fine print state that the bonus may or may not be applied. 

I felt like we were going around in cirlces, so I asked him if there was anyone else who could tell me more, and he would essentially repeat the same thing again. It was a pointless conversation and I have yet to receive my {$150.00} bonus for spending the {$500.00} on the credit card as advertised. 

Had I not recieved that advertisement, I would not have applied for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I just received an alert on my true identity-transunion credit report that 2 hard inquires were made by XXXX/XXXX  and XXXX  /XXXX. I did not apply for any credit cards or anything thru XXXX  or XXXX  XXXX. I just froze my transunion credit report. I do I get these hard copy requests removed. Thanks

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 2020-03-12 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: TX

Complaint narrative:
I Contacted All 3 Bureaus Multiple Times about these accounts especially about Department of Treasury thats showing opened from XXXX, that account is not mines whatsoever, I was born in XXXX submitted a dispute letter to the bureaus and its been over 30 days since hearing a response from them. Under the Fair Credit Reporting Act, the inaccurate items have to be deleted. Please resolve this matter at your earliest convenience. Thank you for both your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TX

Complaint narrative:
I Contacted All 3 Bureaus Multiple Times about these accounts especially about Department of Treasury thats showing opened from XX/XX/XXXX, that account is not mines whatsoever, I was born in XXXX submitted a dispute letter to the bureaus and its been over 30 days since hearing a response from them. Under the Fair Credit Reporting Act, the inaccurate items have to be deleted. Please resolve this matter at your earliest convenience. Thank you for both your time and help in this matter.

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 2020-03-12 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: Veros Credit, LLC
State: CA

Complaint narrative:
After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account 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 2020-03-12 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:
After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account 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 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted my bank wells Fargo and the company that charged my debit card XXXX and XXXX  XXXX  about fraudulent. Activity. There were over 100 transaction placed in 6 months XX/XX/XXXX to XX/XX/XXXX, totaling a little more then 2900.00 dollars. Starting the XX/XX/XXXX and everyday I was on the phone with wells Fargo to discuss the claim. They denied me once and said that my XXXX year old has permission to purchase games. Once I asked for a supervisor the sent me to the executive branch which can not make those determinations. Then for the last 2 weeks I  have been hung up on and tossed around departments. I would like all my money returned since I was not the person who made those transactions or authorized the transactions in any shape or form

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 2020-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, fraudulent activity appeared on my Amazon Synchrony credit card. I noticed 4 fraudulent charges and notified the company of these. 2 of the 4 charges have been removed and the company has been notified numerous times with no change in my balance. Now a late fee has appeared on my credit card statement. I am concerned that this company will report this activity to a credit card agency that will result in a ding to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-03-12 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: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
Enhanced Recovery COL showed up on my credit report. I had never had any XXXX XXXX XXXX services. I never received any collection notices to my address. Where did this collection account come from? I never received notices. I never had any services with this company or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY

Complaint narrative:
I filed a dispute to XXXX  regarding ambulatory service charges of {$1400.00} through XXXX XXXX. My insurance info was given many times so i am not sure why this account is in collections. When i filed a dispute it took very long for them to give an answer and i had to dig for the answer ( re file a dispute gave me my answer that XXXX  did nothing ). XXXX  never reached out to me or emailed me to tell me they had an answer. This info is incorrect and should not be in collections. This battered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
On XX/XX/XXXX, it was brought to my attention ( through the financial services office at the University of XXXX at  XXXX, where I had applied to work on a second XXXX XXXX XXXX ) that I had a loan in default status in the National Student Loan Data System.

Upon checking at studentaid.gov, it was confirmed that the XXXX  Loan was, in fact, in default. This Loan had been reconverted into a grant on XX/XX/XXXX, and so could not possibly had been in default. I contact FedLoan Servicing, the servicer of the grant, and spoke to " XXXX  '' through email ( XX/XX/XXXX, at XXXX XXXX  ), who informed me that this was an error with the NSLDS, and that I needed to contact the Department of Education. I contacted the Department of Education ( XX/XX/XXXX around XXXX XXXX ) and was informed that the Department of Education could not update the status of the loan, and that I needed to contact FedLoan to have the status corrected. I contacted FedLoan ( XX/XX/XXXX at XXXX XXXX  ) and spoke to " XXXX '', employee # XXXX. XXXX informed me that it was, in fact, a mistake on the part of FedLoan, and that the status would be updated by the end of business that day ( XXXX XXXX EST ). I checked the status again studentaid.gov at approximately XXXX XXXX   to find that the " loan '' was still listed as " in default ''. I then called FedLoan ( XX/XX/XXXX, XXXX XXXX ) and spoke to " XXXX '', employee # XXXX, who stated that she could not help me, and that she would transfer me to the XXXX  department. I was transferred to " XXXX '', employee # XXXX ( XX/XX/XXXX, XXXX XXXX  ) who stated that FedLoan could not update the status, and that I needed to contact the Department of Education in order to get the matter resolved. As I had already contacted the Dept of Ed earlier that day, and was told that FedLoan needed to update the status, I believe that I was given the " runaround ''. I am an XXXX of the XXXX XXXX XXXX, and as such am subject to XXXX  South Carolina Code of Laws Title 59 - Education Chapter 111 - SCHOLARSHIPS Section 59-111-50. Therefore, this matter being unresolved could  be the end of my career.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: FL

Complaint narrative:
I'm a victim of identity theft I filed a police report and sent to all credit bureaus Experian, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my Experian credit report this is fraud then recently it was put back I dispute and was not take off. XXXX XXXX XXXX original XXXX XXXX XXXX  it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or Experian please help resolve this matter. 

Thank you XXXX 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 2020-03-12 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: NY

Complaint narrative:
Not my accounts

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.

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 2020-03-12 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: MI

Complaint narrative:
I made an online purchase from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1000.00}, their website showed " Free shipping and returns on all U.S. Orders '' ( see attached documents ). I received my purchase on XX/XX/XXXX and initiated an online return request. XXXX acknowledges my return request and stated must return must be shipped by XX/XX/XXXX. ( page 12 of my  attachments ). I shipped my return by U.S.P.S. on XX/XX/XXXX ( page 2 of attachments ). I contacted XXXX on XX/XX/XXXX for an update on my refund and was informed by email " we can no longer process any returns or refunds regardless of when it was received. I would advise you dispute the charges with your credit card company. '' I contacted Chase claims department on XX/XX/XXXX and filed a dispute. On XX/XX/XXXX Chase informed me that my claim was denied because they received information from XXXX that my purchase was " a final sale '' and was advised to file a claim against the merchant in court. I provided Chase with all the documentation to prove my purchase was not a final sale. XXXX received the returned merchandise well withing the return deadline and failed to return my purchase price. Chase received all proofs to support my claim and failed to credit the purchase price to my account. I requested a copy of XXXX response from Chase on XX/XX/XXXX, I was informed it was mailed on XX/XX/XXXX and I have still not received the merchant response. I contacted Chase claims department on XX/XX/XXXX again requesting relief and a copy of the merchant response. I was told by a Chase claims supervisor that I could get an emailed copy of the merchant response from my local branch. My local branch banker was refused access to the information and was told the information was confidential. Now, I have no other choice but to seek assistance through this agency.

Company response to consumer: Closed with explanation