vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I sent you dated XX/XX/2020 I stated the following : I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 

I received nothing but phone calls and letters to settle a debt I know nothing about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: MI

Complaint narrative:
On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, MI and the furniture was financed through XXXX XXXX XXXX   XXXX XXXX. The furniture was delivered to my home on XX/XX/XXXX, but the sofa ( 1 of 2 pieces of the sofa/loveseat set ) could not fit through my doorway. I was given the option to contact and pay an outside source to break the sofa down so that it could be brought in the house. I decided against it and the sofa has been sitting in my garage, brand new, still in the plastic since XX/XX/XXXX. I contacted XXXX XXXX XXXX  in XXXX or XX/XX/XXXX, to let them know that I was being charged every month for furniture that I am unable to use because it didn't fit through my door. I was told that my account would be noted and to reach out to the furniture store to see if they could pick up the items. I was told that if I couldn't have the items removed from my contract and picked up by the furniture store, the items could be recovered by the recovery team at XXXX XXXX XXXX and resolved that way. I reached out to the furniture store and they told me that they are unable to pick up the furniture because they don't have a resale license and if they picked the furniture up and attempted to resell, although the items are brand new, they could get into legal trouble. They also said their system wouldn't allow the items to be returned anyway. I reached back out to XXXX XXXX    XXXX to let them know what the furniture store said in XXXX or XX/XX/XXXX and they told me that the issue would be escalated and someone would reach out to me. I've called XXXX XXXX XXXX 4-6 times between XXXX and XX/XX/XXXX about having the items picked up but I have never been able to speak with anyone in the escalation department, a supervisor, or anyone in the recovery department. In the midst of trying to resolve the issue, I was affected by the Covid-19 pandemic, which they were aware of and I was told that my account would be noted for that as well. However, since I have been attempting to contact XXXX XXXX XXXX and waiting on a call back to resolve the issue, they are negatively reporting to Experian that I am past due on my account 60 days, owing {$4700.00}. This issue could've been resolved before it was reported negatively, but I refuse to pay for items that I don't have, especially when I have received no help after months of trying to resolve the issue with 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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This issued was reported back In XXXX against the Chase Bank for allowing a wire fraud to take place and helping with the criminal activity. 
On XX/XX/XXXX a wire transfer for real state closing was initiated from XXXX XXXX XXXX. 2 hours later the wire details were indentify as fraud and the bank initiated the swift recall. 48 hours later on XX/XX/XXXX after the holiday the manager of the XXXX XXXX XXXX  in windward is advised the funds are frozen at chase due to name discrepancy and fraud alert. 20 days later the chase releases the money to the fraudster and closes the account. 
The bank refused to cooperate with me or the wells fargo but after the investigation of the XXXX police department cyber crime division found the account was open at the chase bank by a person with virtual number and non existing address. 
The Wire transfer was sent to the closing attorneys and the bank paid it to a different person accordingly to the records and closed the account to avoid being trace. This proves the bank did cooperate with this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NY

Complaint narrative:
I have been disputing many items on my credit with the XXXX, XXXX  and Equifax. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
The card I have a problem with is called Citi card. They will not lower my interest. They said this is because of my debt to ratio. I need some relief from these credit cards. If someone could help me, I would really appreciate it. 
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 2020-07-08 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:
I have been disputing many items on my credit with the Transunion, XXXX and XXXX. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NY

Complaint narrative:
I have been disputing many items on my credit with the XXXX, Experian and XXXX. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a notice from XXXX XXXX XXXX/Synchrony Bank that Synchrony Bank has decided to close my account. The reason ( s ) listed are : -Too many revolving accounts with high balance compared to credit limit -Lack of Real Estate Secured Loan Information -Balances On Accounts Too High Compared To Credit Limits and Loan Amounts -Too Many Bankcards With High Balances Compared To Credit Limit I had all the same credit cards and balances when I was approve for this account. My XXXX XXXX account had a {$0.00} balance and when I had a balance my payment was never late. I have two more credit cards with Synchrony bank one with {$3000.00} credit line and one with {$2900.00} credit line, these accounts was not close, my balance is {$0.00} on both of these cards also, and when I had a balance I never paid my account late on any of these two cards either. I had XXXX   to mail me my credit report, because I though my identity has been stolen and I had negative payment history on my credit report. I have my credit report and my credit report is showing all my credit cards are current, no late payments, and no deficiencies. I believe my account closing was XXXX  motivated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: C/C Financial
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, MI and the furniture was financed through Merchant 's Preferred Lease-Purchase Services. The furniture was delivered to my home on XX/XX/XXXX, but the sofa ( 1 of 2 pieces of the sofa/loveseat set ) could not fit through my doorway. I was given the option to contact and pay an outside source to break the sofa down so that it could be brought in the house. I decided against it and the sofa has been sitting in my garage, brand new, still in the plastic since XX/XX/XXXX. I contacted Merchant 's Preferred in XXXX or XX/XX/XXXX, to let them know that I was being charged every month for furniture that I am unable to use because it didn't fit through my door. I was told that my account would be noted and to reach out to the furniture store to see if they could pick up the items. I was told that if I couldn't have the items removed from my contract and picked up by the furniture store, the items could be recovered by the recovery team at Merchant 's Preferred and resolved that way. I reached out to the furniture store and they told me that they are unable to pick up the furniture because they don't have a resale license and if they picked the furniture up and attempted to resell, although the items are brand new, they could get into legal trouble. They also said their system wouldn't allow the items to be returned anyway. I reached back out to Merchant 's Preferred to let them know what the furniture store said in XXXX or XX/XX/XXXX and they told me that the issue would be escalated and someone would reach out to me. I've called Merchant 's Preferred 4-6 times between XXXX and XX/XX/XXXX about having the items picked up but I have never been able to speak with anyone in the escalation department, a supervisor, or anyone in the recovery department. In the midst of trying to resolve the issue, I was affected by the Covid-19 pandemic, which they were aware of and I was told that my account would be noted for that as well. However, since I have been attempting to contact Merchant 's Preferred and waiting on a call back to resolve the issue, they are negatively reporting to XXXX  that I am past due on my account 60 days, owing {$4700.00}. This issue could've been resolved before it was reported negatively, but I refuse to pay for items that I don't have, especially when I have received no help after months of trying to resolve the issue with Merchant 's Preferred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
For the last 18 months, Navient has been incorrectly reporting derogatory late payments to my credit files. For the month and year listed below Navient erroneously reported between 60 - 150 days late. According to Navient customer reps, they only report an account late after three billing cycles. To date, I have gathered supporting documentation showing all canceled checks and or debit card transactions for payments under my rate reduction program. Derogatory late months are shown on my credit report ; XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX. Each of the fourteen accounts with Navient shows a mixed bag of derogatory lates ranging from 60/90/90/90/120 or 150+ days late. For the Months of XX/XX/XXXX - XX/XX/XXXX, Navient has granted me a national disaster forbearance, but they are still reporting derogatory for said months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC does not allow one to link their banking data to various systems online. I have to use another bank account instead of PNC to link to systems and it's quite annoying to not be able to monitor transactions in my primary bank account by linking to other online platforms and systems. For example, I'm a XXXX. I've tried to link transactions to XXXX, an online rental platform, it says PNC won't do it. I've tried to link to another rental platform, same problem. And now I'm trying to link to XXXX to manage rental payments - won't allow me to connect the PNC account. Not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AZ

Complaint narrative:
After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent XXXX, TransUnion, and XXXX  letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AZ

Complaint narrative:
After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent XXXX, XXXX, and Equifax letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
PayPal Credit dispute Case ID : XXXX I purchased an item ( soldering XXXX ) online from a U.S. based company, XXXX XXXX and paid immediately using PayPal Credit, on date of XX/XX/2020. 
Item was not received ; complaint/dispute was filed XX/XX/XXXX. PayPal policy states a maximum of thirty ( 30 ) days before refund may be issued. It is XX/XX/2020. 
Other issue is PayPal Credit Never sends a bill, by USPS or online, yet charged a late fee. Upon logging on to PayPal site noticed bill was due XX/XX/2020, still no bill ever received and spam of junk mail always checked. Still ignorant of any fact or policy practice ; PayPal site states the payment of {$39.00} is " Almost Due ''? Picture of this fact taken XX/XX/XXXX XXXX XXXX PST. Earlier that day after seeing bill due IO mailed a check for {$200.00} which was more than the {$170.00} and change shown as due. By XXXX XXXX XX/XX/XXXX, PayPal site showed an addition to the prior amount now being more than the {$200.00} sent. PayPal is impossible to contact and blames COVID for such excuse ; when we are all aware that most all business utilize a " work from home '' crew. 
Once upon a time when PayPal was XXXX it was fair to both merchant and purchase person. Since ownership is now Synchrony Bank, all is terrible and nearly non-functional. My credit is currently XXXX and needs no reason for dropping due to ignorance of a company 's own policy. Pictures, if needed can be furnished for further proof. 
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 2020-07-08 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: NY

Complaint narrative:
I went onto the Capital One Preapproval website ( https : //www.capitalone.com/credit-cards/prequalify/ ) and put in my info. I got the following webpage ( see attachment entitled Exhibit A ). There is a big green " Apply Now '' button as if I prequalified for the credit card. I clicked it and, thinking that I was preapproved, I filled out the application but was DENIED. There was a hard credit report pull, which affects my credit report. This is misleading. I was not preapproved for anything but the webpage makes it seem like I had an offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc does not allow XXXX XXXX  to connect to my account anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: OR

Complaint narrative:
I think I fell for a fake web site posing as Experian, and exposed my email and password. On XX/XX/2020, I meant to log on to Experian to check my credit report, but foolishly clicked on what I now suspect was a fake website labeled " Experian log on ''. It was second from the top on the search engine. I entered my user name and password several times, and couldn't get logged on, and tried the " reset password '' thing which also didn't work. A few hours later, I tried again, on the proper web site, and it worked nicely, so I feared that I had fallen for a scam in my initial efforts to log on, giving the thugs my email address and password for Experian. I could not change the password for the credit freeze when I logged on properly. In order to change the password, I had to unfreeze and refreeze my credit. After unfreezing, I couldn't refreeze on the internet. I had to do the re-freeze on the phone, but believe I was successful. I have received phishing span starting XX/XX/XXXX, which is atypical for my email. I feel pretty stupid, and know other people are falling for it, too, but are perhaps not realizing it and not changing their password, giving the thugs their log-on info for Experian, and their email addresses. 

The suspect website is : " Experian Login '' and the full address changes, but starts the same : " XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % 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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
on XX/XX/2019 my friend used my cash app to XXXX from my account to her account. but i complaint but i did get great help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NY

Complaint narrative:
For the last 18 months, XXXX has been incorrectly reporting derogatory late payments to my credit files. For the month and year listed below XXXX erroneously reported between 60 - 150 days late. According to XXXX customer reps, they only report an account late after three billing cycles. To date, I have gathered supporting documentation showing all canceled checks and or debit card transactions for payments under my rate reduction program. Derogatory late months are shown on my credit report ; XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX. Each of the fourteen accounts with XXXX  shows a mixed bag of derogatory lates ranging from 60/90/90/90/120 or 150+ days late. For the Months of XX/XX/XXXX - XX/XX/XXXX, XXXX has granted me a national disaster forbearance, but they are still reporting derogatory for said months

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