vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 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: MI

Complaint narrative:
Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX na XX/XX/XXXX XXXX XXXX XXXX na XXXX XX/XX/XXXX XXXX ) XXXX   XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX oil no XXXX on XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These are all unauthorized inquiries made by someone other than me please remove from my report. I have already begun contacting all the appropriate parties.

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 2019-03-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
I received this companies " proof of Debt '' they are right it is NOT a XXXX - it is XXXX.. STILL NOT MY DEBT! I stated that this is not mine. This debtor needs to contact XXXX XXXX XXXX. The dates are included with a legal case. All original creditors have been contact. further collection is a violation - if you continue, I would be happy to hold you responsible for damages I would be entitled from you to under the law. 

Or you could contact this law firm ask for XXXX ... a paralegal that I know would be happy to set you straight By the way I also mail you the information!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/19, I initiated a balance transfer of {$1000.00} from my Chase credit card to my XXXX XXXX card. I paid a {$40.00} fee to initiate the transfer. XXXX XXXX received and deposited the transfer on XX/XX/19, but the check from XXXX XXXX XXXX was returned on the same date, due to insufficient funds. I incurred a {$27.00} fee and a major increase on my rate for the next six months. 

On XX/XX/19, Chase sent me a letter stating that XXXX XXXX had received the balance transfer payment on XX/XX/19 and it had been applied to my account. Once again, the only payment from Chase was on XX/XX/19, and was returned. 

I wrote Chase a letter on XX/XX/19, explaining that the check was returned and provided copies of my statement showing the returned transaction. I received yet another letter on XX/XX/19 from Chase stating that the payment was applied to my XXXX XXXX ... completely disregarding what I had sent. 

It is now XX/XX/19 and my Chase account has still not been credited back the {$1000.00} and {$40.00} balance transfer fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is regarding 3 XXXX credit cards that have been already closed and I dispute any card closure that is associated with me ( If even closure has to be posted on the credit report then there should only one closure for the account due to the fraud related with the credit card, there are closing of same credit card with three entries ). I have already filed a police complaint about the misuse of the credit card and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. Please remove the three entries of the closure of the same credit card that has been posted on my credit report, for which I am not responsible.

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 2019-03-06 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: GA

Complaint narrative:
My first contact with the XXXX XXXX XXXX was XX/XX/XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX  again by fax in XX/XX/XXXX to dispute the inaccuracies once again. My student loans date back to XX/XX/XXXX. The agency is reporting the accounts as being 90/120 days late in XX/XX/XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XX/XX/XXXX, I submitted another complaint through Equifax and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: MI

Complaint narrative:
Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are 1 )  XXXX/XXXX on XX/XX/XXXX 2 ) XXXX XXXX on XX/XX/XXXX 3 ) XXXX on XX/XX/XXXX 4 ) XXXX on XX/XX/XXXX 5 ) XXXX  XXXX  XX/XX/XXXX attached my the ftc report and I have begun notifying all the appropriate parties. Thanks.

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 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay XXXX XXXX XXXX. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/ 2019 while shopping at XXXX 's I was offered a new credit card application by a store associate. She said that if I applied and was approved I would get 20 % all of my purchases that day, including shopping online, regardless of the item and that there was no limit to the purchases. She said I would not see the 20 % discounts on my receipts but would see them on my statement. So I applied and received the credit card. I was only given a printout that served as a temporary card for that day. It did not have the terms of the card on it. I purchased a number of items and then went home and was dismayed to find that there was no credit card number on the paper given so could not purchase more from home. 
However, when I got the statement I saw that the item I purchased when the credit card was specifically offered to me did not have a 20 % discount but instead only a {$17.00} discount on a {$290.00} item ( {$320.00} with tax ). The other items had the 20 % discount applied. I called XXXX XXXX Customer Service and asked about this and they said there is a {$100.00} limit on the discount. I was not told this and in fact I am confused because the discounts for that day actually add up to {$100.00}. So something is wrong and I was given false information and false promises in order to get me to apply for the card.

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 2019-03-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et.  seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
company reduced credit limit again causing my score to fall due to utilization level, XX/XX/XXXX V {$900.00} they did same last year, XX/XX/XXXX, V {$300.00} they did this after I accepted an offer 0 % apr thru XX/XX/XXXX. 
I never missed a payment with them, 37 months & counting. 
I do not use the card, therefore denying them interest.

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 2019-03-06 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: OH

Complaint narrative:
I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My complaint is with the Navy Federal Credit Union. They are charging my credit card account with cash advance fees and high interest on the cash advance when there are no cash advances from my credit card. I have talked to an agent and tried to solve this problem but to no avail. Please help me solve this problem with my credit union. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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 — Was not notified of investigation status or results
Company: CARS Acquisition, LLC
State: AL

Complaint narrative:
The people I bought my car to reported it to a finance place and now they both are wanting me to pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My Funds are on hold. My funds are always placed on hold pending confirmation of delivery of the item and the following day the funds are supposed to be released. While I never agreed to these terms, Paypal continues to change or create additional and longer hold times that are exceedingly and excessively long. 

The funds for 2 transactions that have been Confirmed delivered, one confirmed XX/XX/2019 and the second XX/XX/2019 have met the terms and for whatever reason these funds are still on hold! 

( I'm attaching screen shots to demonstrate this point ) Paypal continues to Hold funds, and prevent me from conducting business. 
I have a 99.6 % seller satisfaction rate, and no complaints or other account issues, and still Paypal continues to place longer holds, and violates it's own terms for funds being made avail ; able. 

HOW CAN A COMPANY CONTINUE TO VIOLATE THE TERMS IT SETS AND GET AWAY WITH IT? 

THEY CHARGE ME IMMEDIATELY WITH THEIR FEE AND PROCEED TO HOLD MY MONEY! 

I am filing complaints with the FTC, XXXX, and EVERY OTHER AGENCY until Paypal is held accountable for abusing their power and preventing people from accessing their own money! Anybody else did this it would be called theft! 

SOMEONE NEEDS TO INVESTIGATE THIS CORRUPT COMPANY! 
THANK XXXX XXXX IS DROPPING THIS CRIMINAL COMPANY. INVESTIGATE PAYPAL!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
XXXX, tow truck driver, entered my gated community after XXXX when the gates were closed on behalf of One Main Financial. Proceeded to park his truck in front of my walk way disrupting the walk pattern of residents, leaving his diesel truck running loudly between four buildings, stomps up my stairs, alarming the neighbors dog, pounds on my door with something metal, screams he is here for repo, knows where I work and is going to go tell them the repo man ask for me. Further he forces a card between the weather strip stating, " you call me or all go to your work asked for you repo ''. I feel threatened that he plans to intimidate or stalk me to my place of business. After, he stomped back down the stairs all the while saying he knows where I work. He turns his truck around, backs up to my garage and try to enter the garage, he then publishes and tapes a note to the garage door stating, " Repo, if you don't call me all go to your work and said repo asked for you XXXX XXXX XXXX '' This has greatly disturbed the peace within my household and community. I was terrified to hear this person I don't know, stomp up the stairs, pound on the door with something metal, all the while screaming about knowing where I work, then forcing something into the apartment! This has upset me and my daughters. I feel like this person is going to take additional unlawful actions and further disturb the peace. I am in fear for my safety and the safety of my kids.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 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: OH

Complaint narrative:
I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA 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 2019-03-06 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: OH

Complaint narrative:
I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX DO VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA 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 2019-03-06 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: NC

Complaint narrative:
I checked my credit report with Experian on the morning of XX/XX/XXXX. I saw that they had " UPDATED '' the date of a Charge Off with XXXX XXXX. I had filed a dispute with Experian twice before about the company and the fact that I never even opened the account, but after a deal they gave me, I agreed to pay a charge off amount of {$170.00} of a {$300.00} credit card bill they said I owed them for processing. The charge off was on all my credit reports as XX/XX/XXXX. Experian ran an update, and now the charge off is labeled as XX/XX/XXXX. I tried to dispute the information through their dispute process, and was told that I can't dispute against XXXX XXXX anymore. If you go into archives of my credit report, it is on page 8 of Experian 's XX/XX/XXXX, and it will show that the report has the XXXX XXXX account closed as a charge off, paid, and updated as of XX/XX/XXXX. I'm willing to bet that my report will increase by at least 50 points on Experian, when they set that charge off back to when it actually happened. Can you help me get this fixed, since they will not let me file another dispute or have anything else to do with XXXX XXXX anymore?

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