vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 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: GA

Complaint narrative:
I had some concerns after getting a letter about a breach at XXXX XXXX. On XX/XX/2019, I went to annualcreditreport.com and pulled my credit report. Everything seems to be ok except for my report showing two different addresses. I have lived in Georgia my entire life and for the last 33 and 1/2 years I have lived at XXXX XXXX XXXX, XXXX, Ga XXXX which is the first address on the report. There is a 2nd address showing of XXXX XXXX XXXX, XXXX, XXXX, NT XXXX. Address ID # XXXX. I have never lived at this address and I don't know of anyone that does. Would you please help me with this? Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Amount XXXX on chase/amazon card. Attempted to purchase online from Amazon.com card was declined called number on back of card to find out why. Agent [ from XXXX ] said it was for non payment of the {$17000.00} and it had been turned over to collections XX/XX/2019. These charges were made from an online XXXX account my Amazon account is XXXX   XXXX .I also receive my bills thru the mail [ none received ] Ask agent for the amounts, items and address of purchase said they are not obligated to tell me that information. Did not purchase any thing and my account shows that as of XX/XX/2019. These charges are fraudulent and need to be removed from credit history. Amazon has been non compliant and down right rude. I will never buy from Amazon again ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
We used PayPal to receive payment from customers this winter. Never had dispute or refund request. PayPal decided that activity was suspicious and put 6 month hold on amount we collected in two of our construction businesses. We can't wait to get money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: KY

Complaint narrative:
This loan company has overcharged me for a short term payday loan. They are now saying a owe them money in the amount of XXXX and I believe with all the fees and everything they have overcharged me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have been in contact the the merchant ( XXXX ) three times since they have received my property that i have paid for and is now sitting in a warehouse. XXXX keeps telling me they will send me an email when the return is processed. XXXX has a histoy of not honoring returns and providing refunds which is why I contacted American Express Serve. 

I called American Express Serve ( American Express XXXX XXXX ) on XX/XX/19 to start a dispute in the amount of {$250.00} for an item that was returned to the merchant with Signature Confirmation on XX/XX/19. 

American Express is telling me that they are unable to open a dispute for 30 calendar days. 

I simply want my partial refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo continues to refuse to remove accounts that we opened under my name during a divorce. I did not open the accounts. My Xwife was violent, she used bats, frying pans, lamps or any other large object that might have killed one of my children. I stopped her because police and child protective services would not help. I was alone. I got punished for stopping her, she would attack me screaming that I was undermining her parental authority. I suffered uncountable XXXX XXXX, XXXX XXXX and XXXX XXXX. Eventually I checked myself into a XXXX hospital. It has been 4 years now and my Xwife still sends me emails from new accounts laughing at the dept she piled on, but I can't prove it is her. Why must I continue to suffer even though I have gotten away?

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 2019-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I had make arrangements for them to take money XXXX dollars amount every month and I still got send to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX : I deposited 4 checks into a new Chase savings account, with an amount totaling {$1400.00}. I also authorize my other bank account ( XXXX XXXX XXXX XXXX ) to transfer money into this new account. They deposit XXXX cents into this account. 

XXXX : Chase decided to close my savings account for unclear reasons. My account has a balance of XXXX. 

XX/XX/XXXX : I receive a check in the mail for XXXX cents. 

XX/XX/XXXX : I call Chase to enquire about the rest of the money ( {$1400.00} ) and am told that it is still being processed. 

XX/XX/XXXX : I receive another statement from Chase which states that my account has been totally emptied. However I still have not received a check. I call Chase to ask and they state that it is still being processed. 

XXXX : I still have not received the remaining funds and call Chase again, who tell me that the funds are under review and they have no update. They tell me they are putting in a note to expedite the process and to call back in one week for an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america reported me to XXXX eventhough i called them and explained what happened to my joint account since our divorce was ongoin. But bank of america still reported me. Now i can not open an aacount to any bank because of them. I already called XXXX and disputed the transaction but still its on my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
On XX/XX/XXXX i made partial payment towards my vehicle which was due date on XX/XX/XXXX. Left balance of XXXX. Advise i will make payment on XX/XX/XXXX i was told HAD to give my checking account information to prestige financial on the XX/XX/XXXX for that payment and for my XX/XX/XXXX payment as well? To stop collections calls. I advise per the contract that was signed i got 15 days grace period before i was considered late.I also ask why would set up XX/XX/XXXX payment now if its not due at this time? I got the typical response of : You have a 15 day grace period before a late fee is assessed. As soon as you are 1 day past due, you are past due. Once you have hit 10 days delinquent you are then sent to our in-house Active Collections team. Which still didn't anwser why i would set up payment before its even due?? In my opinion they are not following the language that i signed in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: VA

Complaint narrative:
I found that XXXX XXXX has pulled my credit score on XX/XX/2018, without my knowledge, consent, and request. I even don't know what is XXXX. 

Remove this incorrect reporting from my report. Else provide me the evidences showing my credit card application 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 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Paid debt off a few months ago and was told within 30 business days it would be taken off 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 2019-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Hello, I sent in the full total amount due on the account, this would pay off the balance on the account. I sent the check on XX/XX/2019. I recieved a letter in the mail stating I had a late payment on the account. I called and XXXX XXXX XXXX said they did not process the check until the XXXX, thus causing the late fee. It should not have taken 11 days to process a check. I was dudilligent and made sure to send the check early so this would not have happened. They forced the late fee into my account wrongfully. I should not have to pay a late fee that is at the fault of the company, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I found that JPMCB-CARD SERVICE has pulled my credit score on XX/XX/2018, without my knowledge, consent, and request. I even don't know what is JPMCB. 

Remove this incorrect reporting from my report. Else provide me the evidences showing my credit card application with JPMCB CARD SERVICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
This is a followup with my complaint about TD Bank. They have admitted to having a system wherein they accept larger pending payments on their overdraft accounts first and thereby make it more likely for many small payments such as coffee payments to slam customers such as 15 small purchases of say XXXX each or XXXX costing a customer about {$500.00} in overdraft by design rather than say {$35.00}. 

Being dishonest about account balances is another tactic used by TD such as withholding monthly fee charges from account balances and charging these fees at right time so that a customer with overdraft is charged hundreds for many small pending charges. Designed internally to maximize massively costly charges to people and even planned and timed to accomplish. 

Recently an executive named Ms XXXX XXXX and have not received information about where to send the fraud dispute for unauthorized use of my TD credit card in 2014. No cooperation, transparency, or good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I have received calls almost daily for 2 months about a person I don't know. About two years ago they also called me about this person. They provided name of a person not known to me. I spoke them about two years ago and told them this information. They stopped calling for a while and are now calling again. 
This time it is robo calling. The message hesitates and never states why they are calling, just call them. 
Why should I call? 
I don't owe anyone for anything. The person they are calling about does not live here. I have no idea if they exist, where they live or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I currently hold XXXX Synchrony Credit cards. The dispute I have is with one for Care Credit. 

On XX/XX/XXXX, I called in to the customer service line to make a payment to a specific purchase on this card. These transactions offer promotional periods for free APR if paid off by a certain time. The only way to make a payment and have it be allocated to a specific purchase is to call and direct them to do so. I have done this several times as well as my wife. Their customer service were the ones who explained this to us as I have a long credit history with them. When I called to make the payment, I was assured that it would be applied to the balance for the initial purchase amount of {$1200.00} specifically because it had already expired. I was intentionally trying to pay that particular balance down to no longer incur the high interest charges. The payment was in fact not allocated to that specific balance and was instead applied to where they felt like it. 
Upon contacting customer service multiple times, after being told that there was nothing that I could do and that this was how they allocated the payments I was escalated to the highest level of customer care where I was informed that there was nothing that they could do and that it was their obligation pursuant to the Credit Card Act of 2009 to apply the payment to the promotion purchase that was the closest to expiring and that was the law. I was told specifically by the representative when I made the payment that it was applied to the balance I had requested it be applied to as that is the only way to accomplish this. 
The Credit Card Act of 2009 actually states the opposite of what the supervisor told me. It states " Payment rules : Credit card companies must apply payments to a consumer 's highest interest rate balances first. '' Not only was I deceived and then lied to, but i also incurred unnecessary interest rate charges as a result.

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 2019-07-05 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: CT

Complaint narrative:
I wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX A/C # XXXX XXXX XXXX A/C # XXXX XXXX XXXX   XXXX XXXX A/C # 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 2019-07-05 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX  A/C # XXXX XXXX  XXXX  A/C # XXXX XXXX XXXX  XXXX XXXX A/C # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax reports a hard inquiry on my report from XXXX XXXX XXXX XXXX, XXXX.-MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/2019 I did not authorize this inquiry. Equifax has not removed this from my report. I have attempted to contact XXXX XXXX XXXX and they say they have no record of this under my name. Multiple attempts with Equifax have not resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC
State: IL

Complaint narrative:
XX/XX/19- received notification that Revenue Enterprises at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX was trying to collect a debt from a hospital 1300 miles away from us. I sent a letter asking for ; - validation of the debt. 
- explanation of how the debt was calculated - to provide copies of documents that show I agreed to pay the amount requested - verification of judgment - prof that statute of limitations was not expired - the license to collect in my state of illinois - license numbers and registered agent documentation. 

They have refused to provide that information and have continued to send collection requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I asked XXXX XXXX to dispute 6 accounts on my credit report that were collections. The investigation is still pending as of XX/XX/XXXX over 1.5 years I am unable to get trans union and XXXX  to unblock the freeze and XXXX XXXX says to contacts trans union and trans union says to tell XXXX. I give up but I am in in credit purgatory and my rights are being violated.

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 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
XXXX XXXX with Davidson & Associates located in XXXX VA is calling me non stop claiming i owe a payday loan WHICH I HAVE NEVER EVER HAD. She is threatening me claiming im going to prison, We will be outside your house waiting, etc. They dont scare me and when i asked for their physical address she claimed " she can't give me that for their protection. '' This company is a FRAUD and i want my information discarded asap. They have my ss number too. 


XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I asked XXXX XXXX  to dispute 6 accounts on my credit report that were collections. The investigation is still pending as of XX/XX/XXXX over 1.5 years I am unable to get XXXX XXXX and equifax to unblock the freeze and XXXX XXXX says to contacts XXXX XXXX and XXXX XXXX says to tell XXXX. I give up but I am in in credit purgatory and my rights are being violated.

Company response to consumer: Closed with non-monetary relief