vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., XXXXSTATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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:
XXXX CONSUMER USA ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., XXXXSTATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.

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 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/XXXX, Discover request to make a verification and they required my driver 's license. But at that time I don't have a driver 's license. Therefore, I told them I can provide my passport, EAD card and other files that can prove my identity, yet they said they only accept driver 's license. It's weird because they didn't ask for it when I applied the card at the first time. I told them I won't be able to provide my driver 's license and even if I make an appointment at DMV to take the driving test, it will take several months to get the license. Then they just closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX XXXX COMPANY partial account number XXXX in the amount of {$490.00}. ( Please see pages 11 and 12 of the attached credit report. ) I am in the military and received orders to move to North Carolina. I cancelled this service prior to  my departure. The service was not cancelled correctly on XXXX & XXXX end and my roommates who presided in the residence after my department failed to pay this bill. This account does not belong to me and this incorrect reporting is harming my credit score. Please remove these items 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 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 I made the following transaction : XXXX IAT XXXX XXXX WEB ID : XXXX debit {$100.00}. I did not receive the merchandise. I attempted to resolve with Merchant and was unable to do so. I contacted financial institution Chase and they refused to dispute because the transaction was not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting lates I do not have. My account was garnished at the time and there should not be any lates on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting lates I do not have. My account was garnished at the time and there should not be any lates on it.

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I send Experian information required to the acquired credit card. After follow up with the credit card company, I found out there is a bankruptcy record on my credit report. I need this clear up. 
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 non-monetary relief
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX XXXX   partial account number ****XXXX in the amount of {$490.00}. ( Please see pages 11 and 12 of the attached credit report. ) I am in the military and received orders to move to North Carolina. I cancelled this service prior to my departure. The service was not cancelled correctly on XXXX XXXX XXXX end and my roommates who presided in the residence after my department failed to pay this bill. This account does not belong to me and this incorrect reporting is harming my credit score. Please remove these items 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 2019-07-02 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: TX

Complaint narrative:
Transunion is reporting incorrectly a charge-off on the XXXX XXXX  partial account number XXXX in the amount of {$130.00}. ( Please see page 2 of the attached credit report. ) This is a secured credit card that had a deposit and therefore there is no outstanding balance due. This incorrect reporting is harming my credit score. Please delete this line item 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 2019-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reported to Equifax credit reporting agency that the below listed inquiry was olaced on my report as unauthorized and considered fraud. Equifax has failed to investigate this matter for proper removal of this inquiry. I am a victim of identity theft and therefore, this item needs to be investigated appropriately. 

Inquiry : XXXX XXXX/ XXXX, onXX/XX/2019 is Unauthorized and considered Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Spoke to XXXX on XX/XX/29 regarding the application of my payment to 0 % promo. She is in process of fixing the issue, but it is a very strange situation and I believe the information provided was inaccurate. My payment was not applied to my 0 % promo and she said it was because of the date I started the 0 % promo. I asked where it said that and she said I agreed to it in the terms of my agreement. I asked her where that was in agreement and she said she didn't know. I asked for the terms to be sent. I found a terms copy in my messages and I could not locate where it says that the payments are applied based on the time you set up the promo not the expiration date. It also does not say this on any of the statements. I asked her to provide the start dates. however, the point is, that is not clearly shown anywhere that that is the terms and it does not say that on the part when I signed up for it. 

So the process they are making me follow is to get a refund of my payment and then pay the payment again now that the 0 % promo has expired. I am supposed to have that refund this week. However, I would like to point out that while they did give credit for the interest already charged on this, I am expecting that I will have to fight yet another interest charge because of this procedure. 

I think that if this is their method of doing this, it should be clearly explained in the promotion and in the terms. Again I could not find it anywhere. This is just plain sneaky and none of my other cards have employed this practice. It makes no sense that they couldn't just reapply the payment and I have to go through this refund/repay issue. I only wonder how many other people have been caught by this trickery.

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 2019-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I attended XXXX XXXX XXXX, while being a student there i feel i was forced into Private Loans at rates above 13 %. I have had employment struggles on and off ever sense i graduated in 2007. XXXX promised me that i could always get help with the lender as long as i talked to them. That Private and Federal Loans can always be put in Forbearance. Well years later and now major credit issues. My Navient Private Loans went default. During all this time and struggles i payed and caught back up when i got work, then behind when i didnt work, trying my hardest to stay current. During these last few months, talking to case workers and then managers. I find out that they could have helped me more, this is there words, but they have to wait till i am days away from loans going into Default. If they would have helped me like i thought they should, being student loans by the Gov i could have keep up with my loans better. I know that i would not be were im at right now if they would have offered me the same programs to help repayment, that they offered at the very end. Always telling me if you cant pay the whole amount, then you cant pay at all. It was all or none with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. 

After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. 

Now, I owe my credit card companies {XXXX} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. 

Now the only choice I have is to file a law suit in Federal Court to recover the moneys they charged me because I can never pay this amount. 

This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Mediation Service
State: OR

Complaint narrative:
Last year I started receiving magazine subscriptions. I thought it was strange as I had definitely not ordered these but they had my name on them. I did not receive a bill or any communication as to why I was receiving these magazines so I didn't worry about it. Then I received a phone call today from Southwest Mediation Services. They informed me that they were calling on behalf of XXXX XXXX. XXXX XXXX stated that I was in breach of contract, that I had received goods and services ( the magazines ) had not paid for them and that I was now in breach of contract in excess of {$1000.00}. I stated that had never ordered these magazines or agreed to pay for them. The mediation company stated that the 'proof ' was of a recoding of me agreeing verbally to this contract through a phone call from XXXX XXXX. I did not receive this phone call or agree to these terms and they could not provide this 'proof ' over the phone and were only calling in attempt to collect on this debt. I refused to interact further and ended the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I DO NOT KNOW WHO THESE ACCOUNTS ARE : XXXX XXXX {$3300.00} XXXX XXXX SYNCHRONY NETWORKS {$1500.00} XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX FIRST XXXX XXXX {$980.00} 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 2019-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Bank USA added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Capital One reported the following delinquencies to all 3 of the credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One also reported a 60 day delinquency on XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conference called Capital One. My wife requested Capital One to revoke my signing authority and I requested them to correct my credit reports. Capitol One said the credit history reported on my credit file would stay the same. I then asked them to provide me with a copy of a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Capital One to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing a dispute with XXXX, XXXX and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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 noticed this account on my credit report. It is not mine

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 2019-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Account was paid in full on XX/XX/2019 and still showing on my credit report with an amount. The accounts are showing up twice on my credit report. Also, my income taxes was taken twice by this company. Second time I call and had to wait for them to send my check back to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Money was send to me from XXXX XXXX for a car he brought from me I did not know I had my Venmo card link to my account so when XXXX XXXX send me the money it when into Venmo account I try to transfer the money out Venmo to my bank account. This is when Venmo close my account and send me a email telling me do not Contact them anymore. I called over 20 times with all the calls being recorded. They give you a different reference number Every time you call in this company is so scamming people. With they fine Print. 
They said that I have violated Venmo rules but Ive never seen Venmo rules. I would like for something to be done about this company. They have thousands of Complaints about them taking peoples money hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX at about XXXX MST there was unauthorized access to my Coinbase account. 2 factor authentication failed for some reason and over {$12000.00} was stolen from my account. They did this by buying bitcoin then sending it to an unregistered wallet. They then attempted to increase account limits, and obscure the theft by transferring {$12000.00} from my checking account. My bank is aware and blocked the transaction. 

I contacted the company but they have not indicated that they will assist me, and I am currently locked out of my account- they will not grant access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I was on a call with XXXX XXXX XXXX Rep about an upgrade for a new cell phone which was never activated or used I never agreed or informed of the 14 day grace where the restocking fee applies 15 %??? of a phone that cost {$18.00} I was given the wrong number so activation was not completed so I shipped the phone back on XX/XX/XXXX XXXX XXXX XXXX Hired a collection service asking for {$45.00} restocking fee Sequium Assets solutionsat XXXX. and a bill for {$100.00} for a never used phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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 have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief