vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 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: WA

Complaint narrative:
A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested XXXX, XXXX and Experian to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.

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 2019-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
XX/XX/2018 I disputed, this with all 3 credit bureau, s I was not at that address at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has continuously tried to collect debt that was a result of identity theft, when I was sick for 3 years and had a breach in my identity through XXXX. Also, while my account is under investigation, I have continuously made monthly payments on my accounts, in an amount proposed and approved by Capital One and still, on a weekly basis, they report incorrect negative remarks and amounts to my to the credit agencies ( XXXX, XXXX, and XXXX  ) ; even while my account is under dispute with the CFPB. The amounts of my balances on my two credit cards with Capital One, ending in XXXX and XXXX, are incorrect and Capital One are reporting incorrect balance amounts. Also, Capital One placed one of my accounts, ending in XXXX, in collections, after they placed me on a payment plan, while I'm making payments, and after I reported the incorrect balances to the CFPB. Also, I can no longer view my account ending in XXXX, online nor in the app, and no staff/tech staff/nor supervisor can tell me why. I have been transferred to various departments and staff to have this problem rectified and to date, it still has not been rectified. I have been told that they do not know why ; however, this causes me not to be able to see updates to my account. Also, on XX/XX/XXXX, I reported Capital One to the CFPB regarding reporting incorrect balances they continuously report to the credit agencies and regarding the fraudulent charges, and it's been over 30 days and they have not responded in resolving the issue and it's been over 20 days since they last responded to the CFPB that they are still working on the issue. But, they continue to report negative remarks and incorrect balances on a weekly basis, which have affected my credit score by over 50 points. I would like for Capital One to report the correct/updated balances of my credit card accounts to the collection agencies, resolve the fraudulent charges, take my account ending in XXXX out of collections, and fix the issue of me not being able to view my account ending in XXXX online or withing the App.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-27 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: FL

Complaint narrative:
I have been disputing some unauthorized inquiries on my Equifax credit report. I have asked for Method of verification. The creditors have not verified any contracts or documents showing my signature. They always come back stating verified or accurate. Its never no proof showing anything. Please help me delete the inquiries that are not connected to any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: WA

Complaint narrative:
XX/XX/XXXX DRS mailed me a notice regarding an old debt I received it on XX/XX/XXXX stating I owed XXXX and last payment received was XX/XX/XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to rcw 4.16.040 on collecting a debt, also filing a complaint with CFDP. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XX/XX/XXXX the debt collector answered my complaint with CFDP and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Recoveries, Inc.
State: NY

Complaint narrative:
Several complaints against National Recoveries : 1- Garnished salary while in process of resolving issue with them. They constantly gave me different excuses that they didnot recieve info I sent 2- Attempted to enter Rehab Program, they discontinued it stating my auto pay from checking account did not pay ( I have check bounce coverage ) 3- Just recently attempted to enter Rehab again, XXXX, when I checked on status was told several different excuses " you sent double W2 's,,,, then we couldnt read your W2, and finally told me I was suppose to pay {$200.00} and I was only paying {$200.00}. when they told me amount and they auto debted from my account. 
4- Now they tacked on another {$30000.00}. without my permission, stating " it was sent to our office because your Son defaulted on his loan,,, ''. I did not sign Promissary note for this and I did not give permission. 
5- I just noticed loan amount in XX/XX/2019 was {$68000.00}, and in XX/XX/2019 it is {$200000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: FL

Complaint narrative:
I disputed some unauthorized inquiries on my Transunion report that are not mine and I dont recognize them. Everytime I send disputes. It always come back verified or accurate. The creditors and credit Bureaus can never tell me what Method of verification was used. On top of that. Its No proof or contracts of anything showing my signature. I almost feel like they just use the XXXX and thats it. Please help me get these inquiries removed. They are stopping me from obtaining credit. Thank you.

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 2019-07-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Unlawful and deceptive acts and practices are being used by Care Credit via Synchrony Bank. They are charging me double interest and they claim this was made clear at the time of signing. When I applied for credit I did not see any language obviously visible to me regarding interest being calculated on the total owing, not the remaining principal. 

After discussing with the creditor, they are reluctant to provide any information tegarding how my payments are being applied toward the balance. The monthly statements are misleading and do not delineate how much I have paid to date, how much interest is owed in total or disclose in an obvious manner that I am paying interest on top of interest. I feel I have been taken advantage of and been the victim of misrepresentation of a circumvented agreement. 

The agent I spoke to today said there is no difference between principal and interest and it is very confusing to the average consumer. 

They even charged me interest after 6 months worth of payments on the original balance as if I had not made a payment at all. I am happy the CFPB protects consumers who have been baited into situations such as the one I find myself in.

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 2019-07-27 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: NC

Complaint narrative:
I have been receiving a call from debt collection department from the capital one and everytime I called back to the number that goes to the capital one customer service, they confirmed that I had no card which was past due, and the call must be a scam. Today I happened to answer the call, lady told me that she was speaking from capital one and my card was past due and she needed my debit card number or checking card account number to take care of this payment. This was a surprise and I pulled up my online capital one account and none of my account information matched what she was talking about. She stated this account was opened back in 2015 and she agreed to transfer me over to fraud department. I was on hold on searching thru my cards in reserve in my night stand and I came across this GM card that was issued by Capital One, that I opened but decided to put it away when I wasnt able to use it through my capital one log in, although this was issued by capital one. She told me there were two XXXX charges went through this card in the month of XXXX and XXXX. For which I had no knowledge of. I nhad never received any email notification of or paper statement of. Neither those charges were authorized by me. 
When I use my other cards, I get my legit charges declines until I respond to the text but this card that I havent used in five years something went thru n I didnt get any notification of. 
The lady did go ahead and request my card to be replaced and stopped any further charges. 
This matter was very serious to me, so I decided to call XXXX and further investigate on my own, XXXX wasnt able to find any transaction with this card number or any active account linked to this account. 
I went online logged in to capital one and chatted with the capital one rep he asked me to call fraud department and ask them to dispute these transaction since they were not mine. I called and spoke with the lady name XXXX but she sounded like being in a hurry, she said ok, we will take care of it. Few minutes later she called me back and asked me to call back on Tuesday to the same fraud department and ask them to mark the transactions as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 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:
inaccurate information showing on credit report. this is a FTC violation.

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 2019-07-27 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: SHABANA MOTORS
State: TX

Complaint narrative:
Shabana Motors shouldnt be reporting to my credit I no longer have the vehicle broke it was towed away by company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is inaccurately reporting that the XXXX XXXX was 120 days late in XX/XX/2019 when the balance has been paid in full ( balance {$0.00} for more than 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account ( XX/XX/2017 ) due to fraud. After the investigation I was told that it was indeed fraud and a no fault to me. However I have been placed in XXXX and XXXX XXXX XXXX because of this.

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 2019-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler received a cease and desist letter from me via certified mail concerning a bill from XXXX XXXX Hospital ( XXXX ). Rather than abiding by the cease and desist letter as per the Fair Credit Reporting Act they continue to pursue the matter. In a 2016 article entitled Feds Take Action to Stop Illegal Debt Collection Practices by XXXX County Lawsuit XXXX '', it states that Pressler and Pressler were sued by the Consumer Protection Financial Board and ordered to stop filing lawsuits against customers based on violations of the Fair Credit Reporting Act. In addition, to the cease and desist letter, I already filed complaints against the business ( XXXX XXXX Hospital ) directly with them ( email and XXXX ) and with the XXXX XXXX XXXX and NJ Consumer Affairs. I stated that the hospital did not render my companion animal the treatment he should have received and they billed me for treatments they did not give him. The business never responded to any of the complaints but used this corrupt law firm Pressler and Pressler to harass 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 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To whom it may concern, I am filing a complaint on American Express. On XX/XX/19 I received a letter from XXXX XXXX PA. Attorneys at law claiming to represent American Express. On that letter they claim that I owe American Express {$18000.00}. On XX/XX/19 I wrote a letter requesting certain info including copies of the contact where I signed the agreement regarding this claim. According to the FCRA its there obligation to supply the requested info. On XX/XX/19 I recieved a response from XXXX XXXX PA. There response was attaching many statements and a generic Member Card Services Agreement they didn't include the actual binding contract showing offer and acceptance. On XX/XX/19 I wrote a letter requesting once again for them to send me the actual binding contract showing offer and accpetance with my signature. On XX/XX/19 I received a letter from XXXX XXXX XXXX Basically offering me an American Express Card as long as I would pay {$18000.00} in full. In other words ignoring my request and continuing to try to get {$18000.00} from me without providing any proof that contract. I have attached document in reference to this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Lets Start from XX/XX/XXXX and XX/XX/2019 Synchrony Bank Store Fraud opened they stated when i got alerts from the credit bureaus XXXX XXXX XXXX, I advised them XX/XX/1019 to Remove the accounts and inquiries Because they stated it was fraud, Now they want to turn the tables on me because XX/XX/2019 I was advised by Synchrony Ref # XXXX to contact credit bureau to have them removed, Called XX/XX/XXXX. XXXX and XXXX The agency said synchrony bank can call and have these accounts removed and the inquries amd XXXX said that was not right for them to tell me that I immediately emailed ceo XXXX XXXX, XX/XX/XXXX Spoke to XXXX from Sync sge said she couldnt verify or access the account i asked for a sup she passed to Acct Manager XXXX. No Help Talked to XXXX @ Syncrony XXXX. I advised them to remove it since they cant talk or verify the account Its Fraudelent to do this on my social.XX/XX/2019 SPOKE TO XXXX She said Transfered Me To XXXX She stated She would Remove not Close thats two diffrent verbiage.XXXX said she would Flag anything from sync bank and have it removed. XXXX XX/XX/2019 Customer Relations XXXX XX/XX/2019 She said she will close tge accounts thats the only way she stated I said remove them and asked her will closing them hurt my score She Said No!!!! XXXX stated it was a fraud on my account because of Synchrony Bank XX/XX/2019 Score XXXX points taken sync bank rooms to go ashley furniture   XX/XX/2019 54 points removed because per there request the closed them, XX/XX/XXXX XXXX from corporate called my voicemail system instead of calling direct just so she can say she contacted me for thete records I immediately called her back the whole week no 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 non-monetary relief
Consumer complaint received 2019-07-27 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:
inaccurate information showing on credit report. this is a FTC violation.

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 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon monitoring my credit reports because of identity fraud this new account appeared on my transunion report and called the place but was put on hold then someone hung up on me! I disputed this account XXXX XXXX and immediately sent FTC report to Transunion and to XXXX XXXX! Transunion received my certified mail with the FTC report copy of ID and such and did not do anything about this fraudulent account! They did not investigate it! I disputed this fraudulent account once again and transunion still has not done anything about this! They sent a letter stating that they would not be blocking this fraudulent 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 2019-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
XX/XX/XXXX XXXX mailed me a notice regarding an old debt I received it on XXXX stating I owed XXXX and last payment received was XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to XXXX XXXX on collecting a debt, also filing a complaint with XXXX. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XXXX the debt collector answered my complaint with XXXX and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: AZ

Complaint narrative:
I am a victim of identity theft several accounts were opened fraudulently. I have a identity theft affidavit and police report. Equifax hasn't updated or fixed the inaccuracies on my credit file. The accounts that need to be deleted are as follows. XXXX  XXXX # XXXX, Dept of ed/ XXXX  # XXXX three accounts were opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX  XXXX XXXX  {$2900.00} opened XX/XX/XXXX, XXXX XXXX  opened XXXX XXXX {$73.00}. All these accounts are inaccurate.

Company response to consumer: Closed with explanation