vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 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: TX

Complaint narrative:
ALL FTC VIOLATIONS ATTACHED print XXXX  Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute 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 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
PRA is reporting inaccurate information to my consumer report, specifically, XXXX.

I had disputed the alleged debt with the alleged creditor and that dispute was never resolved, and according to PRA they bought the debt.

I have asked for the underlying contract so I may file an arbitration action against them and the refuse to provide such information.

They are reporting inaccurate information and that violates the FCRA is a per-se violation of the FDCPA.

Also they are reporting they ( PRA ) are a " FACTORING COMPANY '' Again, this is a false and misleading statement. A factoring company provides loans against accounts not in default and that are assumed to be legally collectable, usually due to the original owner need an influx of cash.

PRA is a debt buyer and has been sued many times for their illegal practices and continue to flaunt the law.

They are reporting inaccurate information about the alleged account, they have no way to know anything about the original dispute because they were not a party to the dispute, they are failing to arbitrate by refusing to produce the alleged contract and they are referring to themselves as a factoring company, an clear and obvious misrepresentation.

On a side note, XXXX XXXX, the alleged original creditor has removed the account from all three of my consumer reports and they are the alleged original creditor, yet PRA is claiming its information is accurate when the original source of the information did not claim the information was accurate when said information was disputed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
2 separate issues : 1. On XX/XX/XXXX, I attempted to make a payment via my usual method, for some reason the website only took my additional principal payment, not my standard Mortgage payment. I was NOT contacted about being late for XXXX, due to this error on THEIR website, although they claimed I was. I have proof no voicemail was ever left or email ever received. Once I realized this had occurred, I made both payments i ( and a thrid payment for XXXX ) including the late fee on XX/XX/XXXX ( one payment for the missing XXXX, and for XXXX ). I was reported 30 days late for XXXX. I sent them a message per their website recommendation. No response for over 40 DAYS. I called during this time, in which they credited back the late fee to my principal, but unbeknownst to me two weeks later ( ~XXXX XXXX ) I was reported as late. 

2. Second issue : I have statements clearly stating on their website as well as my own records that on XX/XX/XXXX I made payments for XXXX, XXXX, and XXXX. Right now, their website indicates my next payment is due XX/XX/XXXX, yet they reported me 30 days late AGAIN for XXXX. 

This Servicer tries to avoid assisting in any way by forcing their customers to use poorly working websites, tedious phone trees, and 30 day turn around SLAs for answering questions via their website message ; all while claiming ( according to the large banners on their homepage ) that they are " here for their customers during this Covid crisis. '' Not only is this bad business it is fraudulent in nature. I have made complaints to the mortgage broker that uses this company as well as to whomever else will listen. Hopefully there is something that can be done about these types of shady businesses.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have spent a large amount of time over the past five days trying to get the security freezes temporarily lifted at XXXX, XXXX, and Experian. Working with Experian has been nearly impossible. I have accounts with all three, but only Experian 's website goes conspicuously out of it's way to both provide no information on freezing/unfreezing when logged into their site -- instead shepherding users toward a paid locking service. Likewise, Experian 's external freeze/unfreeze website was the only site that refused to accept my log in information. The same was true when I called Experian. Ironically, one of the items that might of tripped up Experian was their own wrong information regarding my father being alive and owning property in California -- he passed a decade ago and has no property.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding ECSI Federal Perkins Loan Servicer inaccurate reporting of my account information. ECSI send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that ECSI send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2020 I sent a letter requesting copy of my signature to verify ownership of loan sent out certified copy. 
XX/XX/2020 They received the letter. I also copied my credit report same day. 
XX/XX/2020 I received a letter from XXXX XXXX XXXX, that showed a copy of a consumer loan application with my name typed on it but no signatures that I had asked for. 
XX/XX/2020 I sent out Letter Number 2A asking again for verification of account with a signature and mailed it out on same day certified. 
XX/XX/2020 They received the letter. 
XX/XX/2020 I copied my credit report and they have not marked in comments that this account is being disputed by consumer which is in violation of FCRA XX/XX/2020 XXXX marked my account as collection/chargeoff and is still not marked as disputed

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 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I've been receiving call regarding this 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 explanation
Consumer complaint received 2020-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have not had a credit card with Capital One since the year XXXX. Capital One is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with capital one. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In early XX/XX/XXXX I closed this account. At the time of closing the account I had a credit balance of XXXX. After 3 follow up calls regarding getting a refund for the credit Capital one sends two checks both for XXXX in the last week of XX/XX/XXXX. I call Capital one and provide the information on both checks ( ABA, account, and check number ) and the representative tells me which check to cash. I cash only that check believing the issue was resolved. For safety sake I kept the second check they asked me not to cash. 

Today XX/XX/XXXX I receive a call from Capital one stating the same account is past due with a balance of XXXX + interest in late fees. When explaining to the caller what happened the employee claims he's going to transfer me to a specialist. The next thing i hear is the IVR asking for my card number! I requested a call back which took 90 minutes and the employee escalates me to XXXX who says she is a manager. XXXX listens to the situation and puts me on hold. When she returns she advised me to cash the 2nd check I was previously told not to cash in XXXX and they will 'forgive ' the late fees and interest as if I actually earned them! When I told her that wasn't acceptable I was told there wasn't anything else she or Capital One was willing to do for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09 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: CONTRACT CALLERS INC
State: NY

Complaint narrative:
This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Contract Callers Inc XX/XX/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 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I'VE BEEN GETTING CALLS REGARDING THIS 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 explanation
Consumer complaint received 2020-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not had a credit card with XXXX XXXX since the year XXXX. XXXX  XXXX is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with XXXX  XXXX. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.

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 2020-05-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not had a credit card with XXXX XXXX since the year XXXX. XXXX  XXXX is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with XXXX  XXXX. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding XXXX XXXX XXXX XXXX XXXX inaccurate reporting of my account information. XXXX send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that XXXX send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Money was removed from my account, seemingly through Cashapp. I have not been able to contact anyone regarding this issue. The first transaction was XX/XX/2020 transaction # : XXXX And the most recent transaction was XX/XX/2020 transaction # : XXXX A total of {$660.00} was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ITS BEEN WAY OVER 30 DAYS NOW APPROACHING 60 SOMETHING DAYS AND I HAVE YET TO RECIEVE DOCUMENTATION THAT THESE ERRORS WERE CORRECTED AND REMOVED

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 2020-05-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased a {$50.00} XXXX XXXX XXXX XXXX E-Gift Card from PAYPAL via PAYPALS website on XX/XX/XXXX. When redemption of the XXXX XXXX was attempted in person at XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was denied and XXXX XXXX stated that they had not honored such cards since XXXX. They further stated that they were unaware that they were still being marketed at all. As it regards paypal, they have refused a refund, stating all questions should be directed to XXXXXXXX XXXX XXXX XXXX. They further stated that the gift card was marketed with XXXX XXXX consent. Thusly, I feel I have been defrauded by both companies. Paypal are marketing a product that can not be redeemed either online or in person and refusing a refund and XXXX XXXX is apparently allowing this. Both sides are liable in this matter, Paypal as the broker for a worthless product and XXXX XXXX XXXX XXXX, who are refusing redemption while no doubt sharing in the ill gotten gains with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: ERC
State: NY

Complaint narrative:
This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : Enhance Recovery Company XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX Midland Credit MGMT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello. There has been absolutely no change to my credit activity but it has gone down 19 points. The ONLY thing that has changed is that I have repeatedly said I do not want to purchase a " credit boost '' through Experian. This seems to be a recurring theme with Experian. There is absolutely no reason someone's credit rating at Experian would drop drop 19 points when NOTHING has changed and only when they refuse to purchase what the credit agency is selling. This has been an ongoing theme with others who have refused to purchase Experian items, which, the last time I checked, was illegal.

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 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had the Chase Saphire Reserve Card since XXXX of 2018. I agreed to a {$450.00} annual fee upon signup. This year, it looks like they fraudulently charged a {$550.00} annual fee. 

I called to resolve this, the agent refused to let me speak with a supervisor, citing coronavirus. She said that they sent an email ( they did not ). She claimed that an email is all that is necessary to violate contract and raise the annual fee without notice. She then disconnected the call. 

Furthermore, Chase Saphire airport lounges are closed, travel credits can not be used due to travel restrictions, and most of the card benefits can not be used by anyone. Finally, concierge is unavailable, and customer service is unable to provide support due to being understaffed from the pandemic as my recent call proves. 

This issue can be resolved by refunding the full annual fee ( {$550.00} ) that was charged without notice or authorization.  Otherwise, Chase needs to be sanctioned for this fraud perpetrated on millions of Americans.

Company response to consumer: Closed with explanation