vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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: DISCOVER BANK
State: AR

Complaint narrative:
After struggling for years to pay off a credit card with Discover, I called to discuss options regarding interest. The interest rate is so high ( 28 % ), that all of the money paid each month went directly to Discover, not my principal. I have paid back the amount I borrowed several times over, but my balance continues to grow because of the interest. After multiple calls to Discover, my lawyer had to help with discussions. On XX/XX/XXXX, they eventually offered to allow me to pay 70 % of the balance with XXXX interest if it was paid within 3 months. This would be XXXX for me. I declined as I didn't have the money for a large lump sum. I later found the means to pay this amount. My lawyer called Discover on my behalf to accept the proposed deal after the XXXX of XXXX holiday, as the department needed was closed each day for the rest of XXXX. When my lawyer spoke to them, he was told to submit paperwork, and wait 5 business days to call back once the files were on my account. He called back XX/XX/XXXX and they refused to honor the agreement made claiming that was a XXXX offer and was no longer available. 
They would rather I file bankruptcy, go to collections, or presue legal action against me etc, then resolve this debt. Their customer service is atrocious. It has been a constant run around. Each representative, supervisor, and lawyer, I have spoken to has had a different story. No notes were taken in my account for any of the many calls made over the past 2 weeks. My lawyer has requested the recorded call be pulled and reviewed from the original offer. They have refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
According to 18 USC 241, 242, My rights are being violated. The third party collector has no jurisdiction to collect on a debt that has been discharged. The request was sent for verification of signature but not received. Due process was not given, I was not properly served with notice to appear. It appears during this time, I was dealing with a sick mother, whom is now deceased. There is no contract that exist between my corporation XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: CA

Complaint narrative:
ERC has reopened a {$75.00} debt collection for XXXX XXXX in XX/XX/XXXX that was previously paid/closed in XX/XX/XXXX. ERC never provided a notification of any ( no correspondence via, email, or phone ). 
Furthermore, the records show this was also closed in XXXX. My credit score has been negatively effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  account number XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I was scammed out of {$1700.00}. The bank denied my claim saying I had previous transaction with the merchant and transaction after the scam. When I called about this issue they realize that I didnt have transactions with this merchant but they still took out the XXXX out of my account now my account is overdrawn and theyre saying I have to re-open a claim. In the meantime, my account is overdrawn XXXX because of the little bit of money I had in the account.

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 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates has violated the FCRA In response to your letter dated XX/XX/2023, regarding the XXXX XXXX XXXX credit card account ending in XXXX. 

I have reviewed your letter and the documentation you have provided. I understand that they purchased this account from XXXX XXXX  and that they believe I owe a balance of {$590.00}. 

However, I do not believe that I owe this debt. I have never opened a XXXX XXXX XXXX credit card account, and I have never used a XXXX XXXX XXXX credit card. I have no record of any transactions or payments made on this account. 

I believe that this debt has been erroneously assigned to me. 

I have reviewed the documentation they have provided, and I do not believe that it proves that I owe this debt. They have not provided any records to show that XXXX XXXX XXXX credit card account was opened in my name, and they do not show that I ever used the account or that I ever agreed to pay for it. They also have not provided proof that I signed any agreements with them for this debt for them to purchase it or for me to pay them. 

I have also reviewed the Fair Credit Reporting Act ( FCRA ), and I believe that they have not complied with the FCRA in their handling of this matter. The FCRA requires them to investigate all disputes regarding debts that they report to credit reporting agencies. They must also provide me with a copy of the debt validation letter that they send to the credit reporting agencies. 

You have not provided me with a copy of the debt validation letter that they sent to the credit reporting agencies. They have also not investigated my dispute promptly, if at all. 

I believe that their failure to comply with the FCRA has caused me harm. My credit score has been damaged, and I have been harassed by their collectors and denied access to housing and a better life for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT W/OUT COMPLETION. PLEASE HAVE ACCTS LISTED REMOVED FOR THE FOLLOWING VIOLATIONS OF CONSUMER CODES : 18 USC 1028A, AND VIOLATION OF 15 USC 1681 a4. You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. his is causing me emotional and financial stress as I am constantly denied and have to be punished in interest cost.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT W/OUT COMPLETION. PLEASE HAVE ACCTS LISTED REMOVED FOR THE FOLLOWING VIOLATIONS OF CONSUMER CODES : 18 USC 1028A, AND VIOLATION OF 15 USC 1681 a4. You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. his is causing me emotional and financial stress as I am constantly denied and have to be punished in interest cost.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC apparently has a forced arbitration XXXX sided agreement to which I was not aware of until just recently. At no time when opening the account was I advised that there was a forced arbitration agreement and that I could opt out. Nor did I sign anything acknowledging receipt of any forced arbitration agreement. Now, via PNC 's practices, it has come to my attention that PNC is aligned with politically radical groups i.eXXXX XXXX XXXX, which alignment has given rise to fraud and identity theft issues. On top of that PNC uses its political alignment to XXXX XXXXXXXX  to cause financial and other irreparable harm knowing that it has paid crooked arbiters in its pocket, which it has paid for in advance. On top of this, I am not entitled to a waiver of fees for claims asserted against PNC in any arbitration, as that is in the discretion of its hand picked arbiters. Conversely, in both federal and state court, I am entitled to a few waiver to pursue claims against PNC notwithstanding the fact that PNC 's arbitration is perfunctory at best as most arbitration agreements are XXXX sided in favor of the bank. Therefore I have no legal rights whatsoever with respect to the relationship with PNC and I am at their mercy to comply with the federal and state law which they have shown as a pattern via their XXXX XXXXXXXX alliance, that they will not comply or otherwise do so at their discretion to which i have no legal recourse whatsoever. Ironically, PNC alleges to be so concerned with being socially responsible yet at the same time taking a very radical approach to is own misconduct and forcing such into crooked arbitration engagements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX, and XX/XX/2023 my account thru American Express Serve Card was hacked. Someone stole XXXX from it. The card company reimbursed me all ATM fees but declined my disputes twice. Nor have I received any evidence from the investigation. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly and unlawfully ignored my verified claims. This is a violation of TILA 15USC 1681 a ( 2 ) ( B ) because my social security card was used to create these fraudulent accounts. This is also a liable for fines under title 18 due to the false pretenses.

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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: PR

Complaint narrative:
On XX/XX/XXXX i made a order on XXXX, XXXX # XXXX Order total {$87.00} ( XXXX items ), they Charged me XXXX  times for the same order. I summit q claim to my bank and XXXX and a receive XXXX payments totaling {$260.00}. Now they sent that amount to a collection agency charging me the XXXX payments with reference number XXXX for {$87.00} XXXX for {$87.00} XXXX for {$87.00} The name of the agency is XXXX XXXX with the agency are very difficult and everything must be solve online, the put on hold my XXXX account affecting my ability to purchase stuff that i only buy on XXXX. 

I called multiple times to XXXX and they told me that the only thing they can do is filling a form and contact me XXXX to XXXX later. 

I work in a financial institution and i cant have debts in collections.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXAccount # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Acc # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
XXXX Account # : XXXXXXXX XXXXXXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXXAccount # : XXXX XXXX Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Acc # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
to my complaint # XXXX. Payment was sent to COAF in the form of a XXXX for fulfilment of payment defined by the IRS website which indicates that the recipient must file the form with the IRS to receive payment. Defined here : File Form XXXX, Acquisition of Secured Property, for each borrower in full or partial satisfaction of the debt, you acquire an interest in property that is security for the debt, You need not be in the business of lending money to be subject to this reporting requirement. Subsequent holder. A subsequent holder of a loan is treated as a lender and is required to report events occurring after the loan is transferred to the new holder. 
I was told that COAF does not accept XXXX as payment, however I was not given a reason why COAF could not accept the XXXX. Also by Postal Rule CAOF in fact have already accespted my offer of payment. I also sent a payment of Negotialbe Insrument money order payment coupon in which they also rejected : Definition- Negotiable instruments are mainly governed by state statutory law. Every state has adopted Article 3 of the Uniform Commercial Code ( UCC ), with some modifications, as the law governing negotiable instruments. The UCC defines a negotiable instrument as an unconditioned writing that promises or orders the payment of a fixed amount of money. 
so my case has note been properly handled by COAF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I dispute the inquiry on my credit report made by XXXX on XX/XX/2023. I have no recollection of authorizing this inquiry and believe it violates consumer protection laws. The Fair Credit Reporting Act ( FCRA ) guarantees accurate reporting of credit history. Please investigate this matter and provide documentation to validate the legitimacy of the inquiry. If you fail to do so within XXXX days, I request its removal from my credit report. Kindly confirm receipt of this letter and update me on the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Over the XX/XX/2023 statement period, I used American Express 's " Pay It '' option to pay off individual purchases. However, these payments were not applied to those purchases as American Express advertises and discloses in their " Terms ''. Instead, these payments were applied to their " Plan It '' feature ( you can " Plan '' large purchases to be paid off over months ). This resulted in a monthly statement bill 3 times the size it should've been. This is an issue American Express is aware of, but has taken no action to fix. After talking with customer service, they made me aware that this is an ongoing issue that they receive complaints from several users about on a regular basis. Customer service would not correct American Express 's mistake in their misapplying the payments ( I wanted them to apply the payments to the correct transactions ), and instead only offered to refund me those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i went on XXXX  to check my credit score and it says that i have a wells fargo credit card i have no knowledge of that accoount i dont have or havent had a wells fargo credit card ever the company disagrees of my complaint

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company violated the Fair Credit Reporting Act ( FCRA ) by failing to adequately investigate dispute claims on my account. The company also made it exceedingly difficult to update my information and remove inaccuracies, even though they aren't mine. Specifically, I have reason to believe that they conducted an unreasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditors 2. The contact information for the creditors 3. The name of the person who verified the item ( s ) for them 4. The method of communication they used to verify this information 5. Did the creditor provide them with my SSN, address, agreement signature, and Date of Birth? 

They have inadequately represented my credit file for over a decade and it is unfair for me to continue to suffer due to negligent, inaccurate, and unfair credit reporting.

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