vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/2019 I opened a Best Buy Citi card and was granted a {$4000.00} credit limit. Later I contacted the company in order to request a credit increase as I wanted to purchase a couple of televisions and use the 24 month free financing promotion. During the call to request a credit increase, I provided my mobile phone number which has been registered in my name for a couple of years. This number was the same number used as verification for account initiation earlier in the day. The company told me that they could not verify my phone number and I would have to wait for a bank verification by phone or mail. 

When I attempted to use the card, I was declined. At that point I contacted customer service and was informed that my account was locked until it was verified. The person would not answer my questions about how that could be or how long it would take to unlock and was extremely terse throughout the entire encounter. I attempted to close the account and was informed that they could not close my account as it was locked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I writing about my Paypal Credit account, on my XXXX statement it says within the payment information section that I would avoid interest if I paid XXXX, I paid XXXX but was still charged interest. The reason I was charged interest was due to how they applied the payment. I just thought it was misleading to say if you pay XXXX you would avoid interest and then you pay more than that and still get charged interest. For me to have actualy avoided interest I would have needed to pay 2300 to 2400 based on how they applied the payment. I know why the interest was charged I just find it very misleading to have a section of the statement say " to avoid interest pay XXXX '' and that not really be the case at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
This attorney representing XXXX XXXX sued me at an address where I no longer live. The venue of the lawsuit was in XXXX, California about 30 miles from where the lawsuit was served where lived five years ago ( XXXX XXXX ). The summons and complaint was then mailed to that address which was forwarded to a relative 's address. No one was personally served. I only found out about the lawsuit by looking up the case on the court website. Thankfully I filed an answer in time even though I don't even live in the country any more and I am traveling a lot. This lawsuit should have never been considered properly served and the venue is incorrect as it's not even close to where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This attorney representing Capital One sued me at an address where I no longer live. The venue of the lawsuit was in XXXX, California about 30 miles from where the lawsuit was served where lived five years ago ( XXXX XXXX ). The summons and complaint was then mailed to that address which was forwarded to a relative 's address. No one was personally served. I only found out about the lawsuit by looking up the case on the court website. Thankfully I filed an answer in time even though I don't even live in the country any more and I am traveling a lot. This lawsuit should have never been considered properly served and the venue is incorrect as it's not even close to where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: FL

Complaint narrative:
equifax has an account on my credit report that is not mine. 
XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax, XXXX  and XXXX  has an account on my credit report thats not mine. 
XXXX- account not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, transunion and XXXX  has an account on my credit report thats not mine. 
XXXX- account not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX  and experian has an account on my credit report thats not mine. 
XXXX- account not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 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: GA

Complaint narrative:
I have contacted Equifax along with the creditor for more than 3 months it is now going on 150 days where i have requested an original instrument contract bearing my signature. Ive asked both parties to send this information and none have been able to send this information. I am unaware of the fraudulent accounts and i have sent documents when asked of me but i haven't received any original contract with my signature. 1. XXXX XXXX & 2. XXXX XXXX : I don't recall applying for any credit or finance. I have only applied for credit in person. I have filed an FTC, i have filed a complaint with the XXXX XXXX XXXX, i have contacted the Attorney General office and have filed a lawsuit on all three parties for slandering my name and credit file. I have asked Equifax, XXXX XXXX, and XXXX to provide such instrument contract of originality with my signature but they have failed to provide me which such documents. All 3 parties have violated The FCRA sections 609, 605, 611 and many more. I won't accept this to continue any longer. I have been treated unfairly, i have been harassed by telemarketing numbers by creditors and credit bureaus. As i dispute the accounts before they were removed but placed back on my credit file. I never agreed to either companies or parties accessing my credit without my authorization with neither accounts. I have asked Equifax for the procedure that was taken and how the steps are taken to exactly investigate the accounts properly but i was hung up on the phone, they denied me access and treated me like a criminal at times. I am in distress and saddened to see that we are in a battle war with the credit bureaus and creditors. No one can say an account is yours if they don't have any evidence that you signed for it. I never signed any applications in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 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: FL

Complaint narrative:
EQUIFAX AND XXXX  HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE. IVE DISPUTED THIS ACCOUNT SEVERAL TIME AND THEY HAVE REFUSED TO DELETE/REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal account and XXXX XXXX XXXX account fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: FL

Complaint narrative:
XXXX  AND XXXX  HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE. IVE DISPUTED THIS ACCOUNT SEVERAL TIME AND THEY HAVE REFUSED TO DELETE/REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I ask them if they could lower the payment, by {$40.00} they said no. If they can not fix this I will have no choice but to close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX called XX/XX/19 and left automatic voicemail. XXXX called XX/XX/19 at XXXX pm and left another voicemail. XX/XX/19 left another voicemail. XX/XX/XXXX, at XXXX pm left another voicemail. This is chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PR HAS TWO ACCOUNTS IN MY XXXX  AND XXXX REPORT THAT THEY REFUSE TO DELETE AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Due to id theft, accounts were opened in my name Upon receiving a letter from the original creditor saying i am not liable for this debt. portfolio recovery is still continuing to try to collect and say i owe this debt. They are making my credit score suffer and it's the only debt that is on my credit report. They gave a bogus letter which was suppose to " Validate '' this debt however the information was not even mine. This is unfair and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In XX/XX/2019, last month, I made a payment on the XX/XX/XXXX for $XXXX to cover both XX/XX/XXXXand XX/XX/XXXX. I had already paid some at the beginning of the month and this was more than what was owed. The payment was misapplied and I was threatened with having my vehicle towed for nonpayment by XX/XX/XXXX although it had been made more than a week before the due date. When Santander found that a complaint was filed against thier company, they called and the payment was corrected. Now they have done the same thing again in XX/XX/XXXX. They are saying the payment was never made, they are trying to collect $XXXX  on my $XXXX installment and all that is owed in XX/XX/XXXXis $XXXX $XXXX  was already paid. This has become a regular occurrence and constant harassment involving my car. It is much worse than harassment and abuse now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I applied for a payday loan and repaid the loan. I strongly believe that the the loan amount was re-approved without my knowledge and ended up effecting my credit score which the account went to collection on XX/XX/2018 and im noticing this effect until now. At the time i did not know how credit work or payday loans. Further more with this in effect im being stop in potential opportunity and will appreciate forgiveness for better credit experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: Garden State Mortgage Corp.
State: NJ

Complaint narrative:
My credit was ran by a mortgage company without my permission which resulted in my score to drop and shows as a hard inquiry. I called the company and they said they didnt run my credit which is a lie. I recieved the alert through XXXX. It shows an inquiry was made XX/XX/19 and XX/XX/19. The third party is called XXXX XXXX XXXX and the mortgage company that ran my credit without permission is called garden state mortgage lending.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Automatic Data Processing, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2019, I found out that there were fraudulent activities on my prepaid/debit card. I reviewed last 4 transactions and there were money taken out from my account in the total of {$800.00} plus fees. I contacted my a card and told them what happened. They identified activities and it was 70 miles from where I live. I was at work and I have possession of my card so I dont know how this is possible. The agent said that scammers could have cloned my card. 
I filed for dispute and later denied because according to them there were atm transactions and it needed my pin. But I told them I was at work and I dont give out my pin to anyone and the fact that I have my card in my possession when this happened. I filed another dispute and I hope they can give my {$800.00} back. 
I need help. What else can I do at this time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
Per Experian on my last complaint : See complaint XXXX : " We sent a copy of the Experian credit report on XX/XX/2019 based upon the original request, but we are in the process of mailing another Experian free credit report on XX/XX/2019. Because Experian has met its obligations under the FCRA, we must respectfully deny your request for compensation at this time. " -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Too bad, Experian failed again. This makes 3 times failure! 
Strike 1 - returned my letter unopened, Strike 2. Failed to mail credit report of XX/XX/2019. 
Strike 3. Fail to mail credit report of XX/XX/2019. 

I suggest you use a different mail system, such as XXXX or XXXX. However XXXX  and XXXX  have been successful with mailings to me the regular way along with the IRS. 
In good conscience you should also reimburse my mailing cost of XXXX XXXX denied because you falsely stated you mailed my credit report on 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 2019-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have never done business with this company. Also I have no knowledge of the account. This company has not sent me anything showing that this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: IN

Complaint narrative:
On XX/XX/2019 I received emails about two transactions in my PayPal account. Both were sending money to XXXX XXXX. One was for {$250.00} using my PayPal credit and the other was for {$250.00} using my call one checking account as funding. As soon as I saw the emails I called both PayPal and my bank to alert them. My bank put a hold on my account. PayPal credit is still doing their investigation but PayPal told me that they determined them not to be suspicious and there was nothing what they could do, this was within hours if it happening. They have now made my PayPal account negative and day I owe them the money since my bank didn't let them pull the {$250.00}. That is where we are now, they say there is nothing more they will do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint narrative:
1. Asked Equifax who is updating my previous residences on page 6 of 14. It appears that it is being updated with invalid address every month - who is the source? Equifax has refused to tell me who is doing this and has hung up on me 5 times. They just put me on hold and then hang up. 

2. Received letter dated XX/XX/2019 ( XXXX ) stating my credit file has been lost. 

For Equifax 's reference on my credit report 's : Confirmation # XXXX XX/XX/2019 Confirmation # XXXX XX/XX/2019 Confirmation # XXXX ( not received as of yet. ) It appears that Equifax does want to tell me who the source is of the previous false information on my credit report so they just say my file is lost.

Company response to consumer: Closed with non-monetary relief