vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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 went to get a loan for school from my bank and I was not approved. I got a copy of my credit report finally and there are still things on there that are not mine. Ive contacted FTC and the police. Im doing this myself. XXXX, XXXX XXXX. Please remove these accounts from my credit.

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 2019-05-10 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 went to get a loan for school from my bank and I was not approved. I got a copy of my credit report finally and there are still things on there that are not mine. Ive contacted FTC and the police. Im doing this myself. XXXX, XXXX XXXX. Please remove these accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: LA

Complaint narrative:
EXPERIAN is STILL refusing the REMOVE an unauthorized hard inquiry from my credit report. I HAVE PROOF FROM THE CREDITOR, that it was unauthorized and should be removed ASAP without further investigation! My lawyer and i have been contacted by phone and email from the creditor. Please remove ASAP.

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 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A payment I sent into Barclays Bank for my credit card for XXXX was miscoded by XXXX. They took XXXX. This resulted in my checking account being over drafted and fees of {$220.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
As a result of my previous complaint with CFPB, case # XXXX, I've received a letter dated XXXX from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations, guaranteeing that {$750.00} Promotional Bonus will be deposited into my current saving account within 8 weeks from XX/XX/XXXX as long as {$100000.00} minimum requirement has been maintained since XX/XX/XXXX to XX/XX/XXXX. 
Although I have met the requirement and 8 weeks from XX/XX/XXXX ended on XX/XX/XXXX, the {$750.00} has not been deposited into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Im a widowed mother caring for a XXXX year old I made all my payments on time for years I tried to ask to for help once my husband became XXXX and eventually passed away but no solution. I was not informed of a suit being filed against me as I was back and forth to another country caring for my dad who eventually passed so I apparently missed the memo now Im the sole caregiver for my XXXX year old and theyve garnished my paycheck {$510.00} every 2 weeks its not fair to consumers these recovery services have lawyers that make hardworking Americans homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One bank made a judgment to garnish my wages! I had this dept back in XX/XX/XXXX and not only that the judgement is saying that I am making {$600.00} a week which is false I make not even half that a week. It has been over 7 years so that statute of limitations has passed. I should not have to pay this. I have not made one payment to satisfy this dept for almost 10 years. This judgement was first made XX/XX/XXXX and it is XX/XX/XXXX. The lawyers for Capitol one are XXXX and XXXX XXXX and their number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
Miramed Revenue Group indicated that it was suspending collection activity, however, I am attaching the information for their review as it pertains to their client and how many other claims are to be processed with the insurance and their client ( s )  have already been informed that all is due is a copayment and that copayment may have already been paid. In addition to these expenses, there are corresponding laboratory expenses that have not been billed properly through insurance. XXXX   XXXX 's XXXX has also been paid the full balance of {$540.00} or is pending receipt. I have attached the most recent receipt with all prior money order ( s ) numbers. All medical expenses were covered by insurance and none were elective treatment ( s ) but were medically necessary. XXXX will also be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Im a widowed mother caring for a XXXX year old I made all my payments on time for years I tried to ask to for help once my husband became XXXX and eventually passed away but no solution. I was not informed of a suit being filed against me as I was back and forth to another country caring for my dad who eventually passed so I apparently missed the memo now Im the sole caregiver for my XXXX year old and theyve garnished my paycheck {$510.00} every 2 weeks its not fair to consumers these recovery services have lawyers that make hardworking Americans homeless.

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 2019-05-10 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: CORELOGIC INC
State: FL

Complaint narrative:
Inquires made by the following CREDCO on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX   on XX/XX/XXXX I contacted XXXX, XXXX XXXX XXXX   via U.S mail & via telephone to have the inaccurate inquiries removed. Please investigate these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

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 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX indicated that it was suspending collection activity, however, I am attaching the information for their review as it pertains to their client and how many other claims are to be processed with the insurance and their client ( s ) have already been informed that all is due is a copayment and that copayment may have already been paid. In addition to these expenses, there are corresponding laboratory expenses that have not been billed properly through insurance. Virginia XXXX XXXX  XXXX has also been paid the full balance of {$540.00} or is pending receipt. I have attached the most recent receipt with all prior money order ( s ) numbers. All medical expenses were covered by insurance and none were elective treatment ( s ) but were medically necessary. XXXX will also be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
To XXXX XXXX License State board of Pennsylvania Legal Compliance Common Wealth Financial System Inc. Be advised, XXXX XXXX never received itemized bill forward XX/XX/2019- XXXX/XXXX2019. No cover letter enclose showing the amount of debt no Hippa report conveying common wealth System system inc rights to XXXX XXXX medical information we will contact the facility as to the information to your request as named on the consumer file in reference to sign Hippa report verification. date original amount unpaid amount. XXXX XXXX you agree you are a business associate of name claim holder not a purchase of medcial information for profit as a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: NY

Complaint narrative:
I received a bill from Chase for my Chase Amazon Card. The card has been compromised and there are illegal charges on it. I informed Chase who refuses, as required, to hold these charges in abeyance as required by Federal Law.. They saw I should call the company I never placed these orders with. They have no number, which was told to Chase which they ignore. The only number I have that actually a works is for a company called XXXX which is a shell company for XXXX the one illegally charging my card. The other companies charging my card are all " full filled '' by XXXX. I never ordered these products, t hey keep shipping them Chase wont stop decline the charges nor will " XXXX ''. This is scam that Chase refuses to deal with, putting onus on me to reach a company they has no phone, and refuses to reply to my requests because they are crooks. I asked Chase to issue a new card, which they have sent me bills for but I never received the card. I called and asked for the card and to notify them it never arrives, they refuse to do anything about this as well. I wrote their CEO on XX/XX/2019, and he does nt ot reply nor anyone form his office. I then said please just cancel they card, but they refuse to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA did a hard pull on my credit for an auto loan pre qualification. The consent form was extremely vague and I didnt understand they were doing a hard pull. Especially since normal business practices of other lenders is to just do a soft pull for prequalification purposes. The form just said that usaa would look at consumer reports. They didnt even give an example of what a consumer report is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I FINALLY WAS ABLE TO LOG INTO ONLINE ACCOUNT AFTER I WAS DENIED BOTH ACCESS ONLINE AND BY PHONE WHEN I FIRST OPENED ACCOUNT. THE LAST TIME I SUCCESSFULLY LOG IN WAS XX/XX/XXXX. I HAVE NOT MADE ANY ATTEMPT TO LOG IN OR EVEN CALL SINCE AND NOW ALL OF A SUDDEN I GET THIS EMAIL STATING MY ACCOUNT IS SUSPENDED DUE TO MULTIPLE FAILED ATTEMPTS. I DO NOT KNOW WHAT IS GOING ON WITH THIS INSTITUTION BUT I AM TIRED OF THIS FOOLISHNESS AND FEEL I SHOULD NOT HAVE TO LOG IN ANYWAY! WHY CAN'T I JUST CALL LIKE I DO WITH MY XXXX PERSONAL ACCOUNT OR LIKE WITH XXXX XXXX. THIS TACTIC OF FORCING SOMEONE TO REGISTER FOR THIS VIOLATING ONLINE ACCOUNT WHEN OBVIOUSLY THERE ARE BREECHES INVOLVED IS BOTH XXXX AND DISCRIMINATORY AGAINST THE ELDERLY AND/OR POOR WITH LIMITED ABILITY TO WORK COMPUTERS OR ACCESS TO EVEN INTERNET SERVICE! I SIMPLY WANT TO JUST CALL TO CHECK MY ACCOUNT AND FEEL I AM DENIED ACCESS TO MY OWN ACCOUNT BECAUSE THESE BEINGS KEEP SUSPENDING BOTH ONLINE AND BY PHONE ACCESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took out a loan, and I have recently gone through financial hardships and not have been able to pay the debts on their time,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Inquires made by the following XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, SYNCB on XX/XX/XXXX, SYNCB on XX/XX/XXXX I contacted XXXX, XXXX & XXXX via U.S mail & via telephone to have the inaccurate inquiries removed. Please investigate these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

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 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I got a letter from EOS CCA stating that XXXX XXXX had placed my account with them for collection because I owe {$30.00}. That if I wished to restore my service with them that I needed to pay. Normally I wouldnt have a problem with paying those {$30.00} but seeing as to how I contacted XXXX and they told me that my account wasnt under any suspension AT ALL. Plus a month before I thought I actually owed money but i has communicated with XXXX   and they said Id be charged the following month on XX/XX/2019. So why on earth am I getting a letter from a debt collector saying I OWE MONEY when XXXX themselves said I didnt owe anything at all and I dont have to pay till XX/XX/2019?! Makes 0 sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
On XX/XX/2019 I made a payment to clear a past due account that was through XXXX XXXX but was sent to Ad Astra Recovery Services as an account in collections. Upon my payment Ad Astra Recovery Services promised to have the collection account removed from my credit reports in 30 days. Today is XX/XX/2019, 37 days later. The collection accounts have been removed from XXXX & XXXX but still remain on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: DISCOVER BANK
State: CA

Complaint narrative:
i have a credit limit of {$1000.00}. I made the minimum payments for a few months after spending 90 %. i communicated with them after my bank account declined the minimum payment so i received payment. A little over a month later i stated in a phone call i will pay off the entire balance instead of just minimum. With my lack of financial literacy i made the entire payment a night before the month ends.It wasn't for a few days, the missed payment on my credit report and also wasn't get credited until 10 days after. I believe in good faith so the action of trying to pay off the entire amount and not just the minimum should be given grace for a missed payment that vastly affects my score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation

Complaint narrative:
Today, XX/XX/2019, I received a Mastercard from XXXX XXXX with my first name, and only ONE of my last names on it. It had my address in it, and I could not reach customer service. It was an unsolicited card with my address, from a bank I've never heard off before.

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 2019-05-10 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 have reported to Transunion that my identity was stolen and they still allow the charge for XXXX XXXX XXXX to remain on my report for {$180.00}. The charge does not belong to me. I have filed an official Identity Theft Report that included the collection of {$180.00} by XXXX XXXX XXXX, a company I have never had no dealings and no knowledge of. Attached is my official 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 2019-05-10 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 am a victim of identity theft

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 2019-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I purchased this car in XXXX of XXXX brand new. The payment was super high as I had to rollover my old car loan into it. The payment was almost 800 a month. I was able to rewrite the loan XX/XX/XXXX for a easier payment of XXXX a month. I was married at the time and able to afford it. I however became separated early XXXX and then divorced in XX/XX/XXXX I called Ally multiple times to ask for extensions lower payments and even a new loan..I tried to get a different car to get into something I could afford but I was so far behind on payments I was unable to. I love my car and I love my loan company. I have been late with them a few times and they always send me letters to remind me I am late and then it happened 2 times ... The final notice of payment came in mail..I always struggle with finding to pay just the actual amount of the loan and then Seeing the big amount I freak out. I have XXXX babies that rely on me and I need my car. I have put everything into that car. It is worth maybe 14k now and I still owe about 20k ... .I feel as if I am never going to get out of this loan. I need help and am struggling to pay this ... it usually is between food or car.

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 2019-05-10 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Syncb is showing up on XXXX XXXX from a transaction Ive never initiated or had any knowledge of. The Hard inquiry date was XX/XX/2019. I need help getting this removed from my credit report please. XXXX XXXX says to contact the company and I cant find the information online.

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