vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: CA

Complaint narrative:
This complaint is regarding XXXX XXXX ACCOUNT XXXX appearing on my EXPERIAN AND XXXX CREDIT BUREAUS.I have attached hard copy reports from both bureaus. 
The reporting on EXPERIAN is misleading, inaccurate and incomplete.Experian says " collection '' in the payment history for XX/XX/XXXX.XXXX received {$60.00} on XX/XX/XXXX.The recent payment amount says " not reported '' .It should say {$60.00}. 
Under recent balance it says " not reported. " It should say either {$0.00} or $ XXXX.Under " status '' it should read '' paid in full '' to prevent other interpretation in a negative light. 
With XXXX " date first major delinquency reported says XX/XX/XXXX and XX/XX/XXXX.This is inaccurate, the major delinquency was reported more than 3 years earlier.The date closed is a blank. 

In addition, the creditor violates implied warranty laws of CALIFORNIA ... much stricter, and without the loopholes of the Federal law.When you sell a product and service you must deliver what was promised.XXXX promised adequate cell service.It 's possibly changed today but in XX/XX/XXXX and XX/XX/XXXX XXXX lacked the cell tower coverage for adequate service in the valley, XXXX XXXX surrounding XXXX XXXX. 
IN XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL IN CLOSE PROXIMITY TO MY DOORSTEP, THE XXXX PHONE HAD INTERFERENCE, DROPPED CALLS, AND NO MESSAGES TAKEN CAUSED BY SOMETHING AS SIMPLE AS THE WIND BLOWING.THEIR SERVICE DID NOT FUNCTION ADEQUATELY TO BE RELIED UPON. 
I HAD TO USE REMAINING PAY PHONES OFTEN TO COMPLETE MY BUSINESS. 
THIS ACCOUNT SHOULD BE DELETED FOR MULTIPLE REASONS AND THE FCRA.

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 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Asset Law Group, P.C.
State: CA

Complaint narrative:
years ago back in XXXX i had a XXXX XXXX card for XXXX issues. back then i was paying XXXX dollars a month for a credit card that totaled around 5000 dollars. After a certain amount of time ( I believe 12 or 18 months ) they stopped accepting that amount and wanted XXXX which was impossible for me at the time. I reluctantly stopped paying all together. Money was a struggle at the time. Over the years I had not heard or paid anything for that debt. In the beginning months of XXXX I started getting business cards at my door ( i was never home when they came as i work full time ) In XXXX someone came to my employment to server me ( she knew it was me based on a picture from my XXXX for XXXX ) I made several attempts to contact the number on the paper work which finally i got a return call. basically they said i needed to pay at least a XXXX dollars and start making monthly payments. This did not seem legitimate considering they are trying to make me pay XXXX XXXX dollars. I'm certain this is past the statute of limitations. but i was scared and paid the XXXX and agreed to the XXXX dollars monthly ( against my better judgement ) which at the time i was told there would be no garnishment to my wages. Well low and behold i dropped off a XXXX dollar cashiers check to a shady PO box and the following week my paycheck was garnished for up to 25 % I've sent numerous emails with no response. at this point in time we are almost up to another XXXX dollars being taken out of my paycheck. I don't believe they honored what they stated and now i'm left trying to stay a float.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Freedom card was advertised to give {$150.00} cash back after 3 months of a total of {$500.00} spent. I clicked on the promotion that was online and that page took me to a application form which I filled out for the card XX/XX/2019. Discussion of this promotion is still active on the web by 3rd party credit card reviewers, so I know it's legitimate. 

I called Chase customer service today XX/XX/2019 to ask when I should be receiving my {$150.00} sign up bonus since it's been 4 months and I met all their requirements listed on the web site. I was told by a customer service rep. they had eliminated the sign up bonus sometime in XX/XX/XXXX/XX/XX/2019 and that my card didn't qualify since I had missed the cut off. I was not informed of an offer expiration date or cut off during my account application nor the promotional web site. 

My complaint is their misleading and fraudulent use of " old '' promotional web pages to rake applicants in, just to claim later that the promotion had been eliminated a month before. Since I can not access the original web site anymore ( unless I knew it was already going to be fraudulent ) I do not have any hard proof or screen shot. 

This is the classic bait and switch advertising that is skillfully used to reign in unaware customers, since the company can blame " the internet '' or " cookies '' or " the browser '' of not being up to date. 

I would not give Chase any credit card business and have discontinued doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019, I was fraudulently charged for products that I didnt authorize the purchase of. The products showed up on my doorstep several days later. When I saw the products on my doorstep, I checked my credit card app to see if I was charged for the products and found that I was. I immediately contacted my credit card company to report it as fraud and locked my card. I get a letter in the mail saying the charges were put back on my card. Then, on XX/XX/19, I get an alert about a purchase adjustment made to my account. The charges were taken back out of my account, and when I contacted capital one, my credit card company, about this, they said that when they spoke to the merchant that allegedly committed the fraud, the merchant told them it was not fraud. I told them when I filed the fraudulent charge that I had evidence if they needed to see it, and was told to keep it in case it is ever asked for. No one ever asked for my side of the story. How can this investigation be completed with only one side being told?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Mortgage Refund for fraud on funds received and not applied

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 2019-09-18 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: TX

Complaint narrative:
EQUIFAX REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XX/XX/XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XX/XX/XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : XXXX XXXX XXXX   XXXX AMT. XXXX, XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX, XXXX AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXX AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was selling a XXXX XXXX on XXXX XXXX and someone messaged me that they wnated to buy it and they asked for my number so I gave it than he said we could do the transactions threw a XXXX XXXX so I downloaded the XXXX XXXX and than started to receive emails thinking it was XXXX XXXX the email was saying that that the buyer had a business account and I needed to deposit {$200.00} to make myself have a business account so they can transfer the money into my account which would be refundable then I was giving directions on how to get {$200.00} worth of gift cards and {$50.00} portions and email them back to them on that same address then it followed with another email saying that one of the cards did not go through that wish had something to do with it that I would need to get another card I'll {$50.00} and send it to them that is when I call you to ask if this was legit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My BBVA Compass bank account, ending digits 9591 was frozen due to a mistake I made attempting to transfer monies in my BBVA account to a similar XXXX account. I have been very dissatisfied with BBVA, i.e. poor customer service. I received a call early in XX/XX/XXXX ( XX/XX/XXXX ) from BBVA letting me know the account has been frozen. I let the representative know I made a mistake doing an electronic transfer with apparently prompted the freezing of my account. I very busy at work at the time and requested a return call. I never received a call. I called back on XX/XX/XXXX and requested a call back. Still no call. Today XX/XX/XXXX I called again and spoke to a representative. I was transferred to some fellow named XXXX. I left a message requesting a return call. No call again. BBVA I believe has {$130.00} of my remaining balance. I just want my money back. I am a good customer for BBVA. I had a personal loan for Solar panels on a 4 year term. I paid the loan off in 2 1/2 years ahead of time. I still get solicitations from BBVA even though they don't respect my business. Please assist me in receiving any funds I have left in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: MA

Complaint narrative:
I keep disputing this inquiry from XXXX/XXXX XXXX XXXX XXXX XXXX that has an inquiry date of XX/XX/2018. They claim that the inquiry belongs to me and they are completely wrong, I contacted the original creditor and they provided me with a few pictures, and the pictures show that the social security number on the original creditors system isnt my social security number. Please Experian, take a look at these pictures and see that my social security number doesnt match the social security number thats on their system. Please delete the inquiry.

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 2019-09-18 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: CA

Complaint narrative:
This complaint is regarding XXXX XXXX ACCOUNT XXXX appearing on my XXXX AND EQUIFAX CREDIT BUREAUS.I have attached hard copy reports from both bureaus. 
The reporting on XXXX is misleading, inaccurate and incomplete.XXXX says " collection '' in the payment history for XX/XX/XXXX.XXXX received {$60.00} on XXXX.The recent payment amount says " not reported '' .It should say {$60.00}. 
Under recent balance it says " not reported. " It should say either {$0.00} or $ XXXX.Under " status '' it should read '' paid in full '' to prevent other interpretation in a negative light. 
With Equifax " date first major delinquency reported says XX/XX/XXXX and XXXX.This is inaccurate, the major delinquency was reported more than 3 years earlier.The date closed is a blank. 

In addition, the creditor violates implied warranty laws of CALIFORNIA ... much stricter, and without the loopholes of the Federal law.When you sell a product and service you must deliver what was promised.XXXX promised adequate cell service.It 's possibly changed today but in XX/XX/XXXX and XX/XX/XXXX XXXX lacked the cell tower coverage for adequate service in the valley, XXXX XXXX surrounding XXXX XXXX. 
IN XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL IN CLOSE PROXIMITY TO MY DOORSTEP, THE XXXX PHONE HAD INTERFERENCE, DROPPED CALLS, AND NO MESSAGES TAKEN CAUSED BY SOMETHING AS SIMPLE AS THE WIND BLOWING.THEIR SERVICE DID NOT FUNCTION ADEQUATELY TO BE RELIED UPON. 
I HAD TO USE REMAINING PAY PHONES OFTEN TO COMPLETE MY BUSINESS. 
THIS ACCOUNT SHOULD BE DELETED FOR MULTIPLE REASONS AND THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have tried several times to dispute this debt. I have also attempted to verify the accuracy of this debt to no avail. And lastly, I have written to Nelnet XXXX. XXXX XXXX XXXX, NE XXXX about the possibility of setting this matter in exchange for the original instrument of indebtedness in its original form with no success. Please advise ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX, Pacific Daylight Time, I called the Ally Bank customer service department XXXX to inquire about the beneficiary listed on my two certificates of deposit. Each year I review my financial plan as I am XXXX years old and in poor health, to make sure all my records are up to date. After asking my identity and confirming same, I was placed on hold for 15 minutes after which a different representative came on line to advise she could not reveal that information. When asked why, she could give no answer, After being placed on hold for another 30 minutes, a supervisor came on the line and advised he could not tell me why I could not receive the information stating that there was fraud. He immediately withdrew and apologized for the comment and advised that someone would be contacting me in 48 hours. The length of this phone call was 52 minutes only 7 of which were conversation, the remainder of the time I was on hold. On XXXX at XXXX Pacific Time, a representative from Ally called and left a message to call back. I returned the call to XXXX was placed on hold for 10 minutes then told to leave a message which I did ; still no callback as of today, XXXX, XXXX, Pacific Time. I have been locked out of my account with no verbal or written explanation given. Material information has been concealed and further, I was defamed by being told there was fraud and not by whom, if any and finally, I have been dealt with in extremely bad faith. I do not trust Ally bank with my funds any longer and want them returned at once. I have no idea what is going on. Please feel free to demand a copy of the recorded transcript if you have any doubts as to the accuracy of this 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 non-monetary relief
Consumer complaint received 2019-09-18 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: Orion Portfolio Services, LLC
State: MA

Complaint narrative:
The creditor ORION PORTFOLIO SERVICES has agreed to delete the account XXXX XXXX XXXX but it is still showing on my credit report. They also said that they have contacted the original creditor so that they can delete the account from my credit report. XXXX, XXXX and XXXX  have not deleted the account from my credit report. Please delete the account, I am including their response from my previous complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander is reporting a { {$21000.00} } debt on my credit report. This debt is Santander 's tactic to defraud the United States IRS. I requested validation of debt over 3 times with the latest being less than 2 months ago via certified mail. I NEVER received any type of correspondence to even validate the fraudulent amount nor verify the debt. They have violated many FDCPA rights. Santander has use my personal information to receive a tax write off for a fraudulent debt. Santander has reported payment history that can not be verified also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Exeter Fin is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2019-09-18 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: Carter-Young, Inc.
State: PA

Complaint narrative:
I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing Carter-Young, INC to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XXXX XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : CAPITAL ONE AUTO FINANCE AMT. XXXX, XXXX OPENED : XX/XX/XXXX CAPITAL ONE BANK, USA AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXX AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.

Company response to consumer: Closed with non-monetary relief