vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 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: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I contacted the Company FREEDOM DEBT RELIEF to help me settle with XXXX XX/XX/XXXX because I had lost my income and I fell behind on paying my credit card monthly statement. FREEDOM DEBT RELIEF informed me that they could help me cut the debt in half by settling with XXXX on what I owed them which was about 5000 dollars but after paying FREEDOM DEBT RELIEF XXXX every two weeks for about eleven months, they did not try to settle with XXXX XX/XX/XXXX until I called to ask why. Then I found out about all the fees that I had accrued over the eleven months that I was not made aware of that added up to more than I would have paid if I would have just paid the debt off myself. I am very Disappointed with the FREEDOM DEBT RELIEF COMPANY and I know I can not get my money back from them until I pay all the exorbitant fees that they have added on. I have paid them over {$3400.00} dollars when to settle with XXXX was about 2800. I offered to pay them the {$1000.00} they said that I owed them to settle with XXXX XXXX  at the end of this year but they said I would have to pay them close to {$2000.00} with the other fees that they have added.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account is not mine and needs to be removed from my credit file

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 2019-11-22 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:
XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$3000.00} on the RESIDENCE/RENTDEBT AUTOMATED COL account number XXXX. ( Please see page attached from my credit report. ) I contacted the apartment complex manager on XX/XX/2017 ( see email attached ) to specifically request an itemization of what was owed prior to vacating the premises. I asked the office manager to provide me with the documentation immediately. I did not want to have this fall through the cracks and have this account wrongfully go to collections. I never received any acknowledgement of my email correspondence, nor did I ever receive any documentation of what was owed. In the meantime, the apartment complex withheld my entire security deposit. I was led to believe since they kept my entire security deposit that there were no outstanding balances due on my account with the XXXX  XXXX XXXX XXXX. I discovered that the apartment complex had reported this erroneous collection when I obtained a copy of my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have ask the XXXX XXXX office several times not to call me at work. On XX/XX/XXXX a XXXX XXXX left a voicemail to return her call. I advised them I cant take personal call, do not call & I can be fire. I also ask them not to call refers. They called my husband several times giving him my personal business, search as past due amounts and caused problems in my home. They called my brother n law giving them my personal business as well. I told this office several time to please stop making these harassing phone calls. My cell number is a good number and has been provided as a mean to contact me!!

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 2019-11-22 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: SC

Complaint narrative:
On XX/XX/2019 a second dispute letter was sent certified mail to Experian requesting a copy of original consumer contract with my signature to be mailed to my address. The following accounts were remain unverified on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/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 non-monetary relief
Consumer complaint received 2019-11-22 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
To whom it may concern, RE : XXXX XXXX Credit Card from Barclay 's  Misplaced my credit card statement and made the payment when I was reminded it was 10 days late. 

The outstanding balance they calculated the interest of 26.74 % was the average monthly balance of {$5900.00} not the actual balance of {$3500.00}. 

The payment was also only 10 days late and we were charged {$120.00}, which works out to a real annual charge of {$4600.00} or 130.54 % on an annual basis. 

This is just criminal!

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 2019-11-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Received a gift card ( VISA DEBIT ) {$50.00} ( U.S. Bank Gift Card ), and set it with several other gift cards. The cards were not registered a time of receipt and not used for several years. 

Went through online registration at XXXX XX/XX/XXXX and the card showed a balance of {$6.00}. Placed a call to number listed on card XXXX, the same day questioning the reduced balance, as the card had not been used. I was advised that a {$2.00} inactivity fee per month after 12 months inactivity was deducted by U.S. Bank. I questioned this fee as the card did not expire till XX/XX/XXXX and requested they credit the fees. I was told this was not possible. 

I have another {$50.00} ( VISA DEBIT ) {$50.00} ( U.S. Bank Gift Card ) which was stored with the reduced balance card with an expiration date of XX/XX/XXXX and clearly states on back no activity fee. Funds don't expire and card valid thru date on front. Their is no fee for replacing an expired card. 

I would request U.S. Bank refund the {$44.00} charged for inactivity fees. Thanks in Advance for any assistance provided.

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 2019-11-22 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:
This account is not mine and needs to be removed from my credit file

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 2019-11-22 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:
This account is not mine and needs to be removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
The company- Midland Credit Management continuously opens and closes the account adjusting the amount by {$1.00}. This in turn has been damaging my credit report as it shows accounts opening and closing quickly. I have tried to reach out to the numerous times. They insist it is not their doing. When I talked to the credit bureaus they directed me back to Midland Credit Management as the bureaus insisted that they were unable to do such a thing and they only reflect what information the creditor is giving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On XX/XX/2019 I was booking a hotel on Wyndham hotels website when I say an offer a {$50.00} statement credit if I applied for and used a hotel chain credit card issued through Barcalys. 

I applied for and was approved for this card but was not issued any kind of temporary Visa number nor was I presented with any way of using my card for my hotel purchase. 

I attempted to contact customer service and after a few transfers the line just disconnected. After disconnecting, I called back and was presented with a recording or something saying that account information was currently unavailable and to call back later. I called back and canceled this brand new card. 
It feels like I was misslead and promised things that I wasn't able to take advantage of.

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 2019-11-22 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: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Today I was making a payment o my Apple credit card and right after submitting an online payment I noticed I entered the wrong amount. I meant to entered {$190.00} but instead I entered {$1900.00}. I immediately contacted the credit card company and I was told they can not cancel the payment because it already posted to my account. This all happened in about XXXX minutes. I was told to call my bank and put a stop to the transaction. I will now have to pay about {$60.00} in fees. 
All of my other credit cards allow me to cancel or edit payments until they withdraw the money from my bank account. 
I also found odd that after the money is withdrawn from my account and " posted '' to the credit card, it will take up to a week to have the payment reflected in available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NY

Complaint narrative:
Experian is listing an account with XXXX  XXXX XXXX  that should have been removed some time ago. I filed a compliant with the State of New York Office of the Attorney General who did forward the information to the XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX did agree to have it deleted off my credit report. XXXX has already removed it yet Experian has not. I then decided to contact XXXX XXXX XXXX once again for help using the address that Experian provided under the creditor information and the correspondence was sent back. This is absolutely ridiculous. If Experian doesn't even list the correct contact information then how can they truly investigate this?

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 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I HAVE BEEN CONTACTING EOS FOR YEARS TRYING TO HAVE THEM MAIL ME DEBT VALIDATION. THEY CONTINUE TO MAIL ME A BILL. ANYONE CAN GET A BILL IN SOMEONE ELSE 'S NAME. I NEED THEM TO SEND ME THE ACTUAL CONTRACT THAT HAS MY HANDWRITTEN SIGNATURE ON IT. EOS/CCA REFUSES TO DO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.

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 2019-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am over XXXX years old and I got my car financed with Chase. Last month I paid my car 2 weeks late but I was harassed every day by Prerecorded phone calls on my cell phone that I never consented to. I got a manager on the phone finally and told them that I never gave them permission to call me using an auto dialer and to stop calling me due to my health reasons. The calls never stopped and this month I got 5 voicemails in one single day from them. The auto calls have not stopped and I feel like this has made my medical condition worst. I know I am not the only customer chase is calling without their permission and know chase is harassing others as well. I had to change my number because I was losing sleep and not following my doctors orders. Please audit chase 's customers and fine them for not getting permission and breaking collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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 non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: NE

Complaint narrative:
On XX/XX/2019 I called the reliacard services phone number XXXX   to ask them why I had not recieves a XXXX  XXXX  check in 2 months they informed me that I had recieved XXXX  XXXX payments they read them to me they equaled around {$1000.00} I told.them them that I did not want to use their card company anymore because someone took money off my account before about a year ago. Of that {$1000.00} I only got {$23.00} because someone else took all that money so that means that means that someone somehow got a duplicate card I dont know how that is XXXX  but they did it so onXX/XX/XXXX I changed the pin number I thought that they would take care of the situation then on XX/XX/2019 I called to see what was on my card and to see what payments were made because I hadn't used my card since XXXX. When I called XXXX  XXXX  they said that these payments had been made to the card XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} I had not used my card in all that time so I should have had almost {$500.00} on the card so I ordered a new card and had it Express delivery for {$15.00} when I got my card I only had {$63.00} on it so where did my money go? They have no answer for me.they are supposed to be a secure company so why do I keep getting my money stolen? That is nearly {$1700.00} and I haven't seen a penny of it. Where is my money?

I hope you can 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 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX MEDICAL DATA SYSTEMS Reported : XXXX XXXX, XXXX - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS Reported : XX/XX/XXXX - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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