vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-20 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: CA

Complaint narrative:
Contacted Transunion three times now. Regarding the open status shown with my XXXX   XXXX credit card. It was closed last year with my Chapter XXXX bankruptcy. It still shows open over a year and a half later. Regardless of multiple contacts I've made to Transunion and XXXX XXXX. Neither company has taken action to correct it, although both have made promises to do so. This is a clear violation of the Fair Credit Reporting Act.

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 2018-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been receiving multiple calls, sometimes at the same time to my land line and cellphone. XXXX account, was closed a long time ago with XXXX balance. The last time I bought something from XXXX XXXX XXXX was on XX/XX/2018 and it was paid in full with a credit card and not with the XXXX XXXX XXXX account. I checked this morning my XXXX   account and the balance is XXXX. I blocked the number but still received text message with link to check my XXXX  account. I am receiving text and calls from XXXX with the same message from XXXX XXXX who owns the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 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: NY

Complaint narrative:
This complaint is against Equifax. Equifax has been notified on 7 different occasions from myself and the better business bureau along with complaints with the CFPB concerning this wrongful account. Equifax has been given a hard copy of proof that this account is not mine, as i have done the work for them as they seem to not be able to handle such and use something called XXXX to verify accounts, instead of actual manual look up by a real employee of Equifax. I do not appreciate the defamation that Equifax has put on my personal information, and regarding their careless ways my information was stolen from their servers, now i must freeze my credit accounts and have placed fraud alerts on them. 
I do know by law and under the FDCRA, I will be awarded {$1000.00} for each wrongful mark that Equifax has placed on my report and this account is showing duplicate, that will equal out to {$2000.00} USD that I will be awarded. I will continue with the representation of a attorney if this account with the attached account number is not removed immediately from my file, as I have given enough proof with certified receipts and documents to Equifax and they continue to ignore this situation. This account is NOT MINE & NEVER HAS BEEN! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: CA

Complaint narrative:
Contacted XXXX  three times now. Regarding the open status shown with my captial one credit card. It was closed last year with my Chapter XXXX bankruptcy. It still shows open over a year and a half later. Regardless of multiple contacts I've made to XXXX  and Capital One. Neither company has taken action to correct it, although both have made promises to do so. This is a clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I was purchasing some XXXX XXXX items through a group on XXXX. The person I was buying items from said their name was XXXX XXXX. I sent this person 3 different payments to the phone number they provided XXXX, through the XXXX feature on my Citizens bank app. This was after I had to call Citizens Bank to have them verify my phone number so the payments would stop failing and would go through. On XX/XX/XXXX I sent this number {$32.00} through XXXX, On XX/XX/XXXX I sent {$60.00} to this number through XXXX for more promised products. On XX/XX/XXXX I sent this number {$190.00} for an entire product collection. At this point I checked my bank and realized the XXXX payments were being sent to a different name than that of the person I had been talking to. I searched the name on XXXX and found out that this person is a well known scammer. I contacted Citizens bank to try and cancel the payments as two of them were made within 24 hours of me calling them and was told that there was nothing they could do because they were instant payments. The seller I was dealing with has disappeared. I questioned Citizens Bank and how they could allow these transactions to go through without any sort of Fraud protection, after all, I thought I was safe doing these transactions because they are directly through Citizens Bank and was informed that they would do nothing and I should contact my local authorities which will do no good as the seller has gone ghost. I attempted to cancel these transactions within 24 hours and same day for one and was told that Citizens bank will do nothing. I am extremely upset and would like Citizens Bank to refund these purchases as they are my bank and should protect their customers from Fraud if it happens through an app that they are controlling. The XXXX feature is directly on my Citizens Bank app so they should have some sort of protection in place and as my bank I would like them to cover this fraud. I have submitted to them proof that the person the money went to was not the person they claimed to be and still they will do nothing. Which is why I would like your help getting the fraud protection deserved on these transactions done directly through Citizens Bank from one bank account to another on their XXXX feature in the Citizens app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: TX

Complaint narrative:
inaccurate information hippa and ftc violation please correct it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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 hippa and ftc violation please correct it asap

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 2018-10-20 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 hippa and ftc violation please correct it asap

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 2018-10-20 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: SC

Complaint narrative:
Portfolio Recovery is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several  accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to XXXX XXXX was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Assets : XXXX XXXX XXXX, Chase IRA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Chase Money Market, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 18 month Criminal Extortion Estate and Trust HOMEOWNERSHIP XXXX V. XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX Homeowners Association Deeded Lots Wife and Child XXXX XXXX XXXX Sister Tax Return V. 
XXXX XXXX XXXX, XXXX XXXX Chase Bank Employee, 3 Weeks XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to capital one was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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:
showing inaccurate information please correct the information

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 2018-10-20 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
showing inaccurate information please correct the information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
showing inaccurate information please correct the information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Calvary SPV is reporting a collection account for XXXX XXXX Bank opened on XX/XX/2012. I did not have a XXXX XXXX account at that time. I have disputed this collection activity previously and have not received any information regarding this account opened in my name in 2012. I have made several attempts to get information from XXXX XXXX regarding this account and they do not have record of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have since refinance my loan but not after lots of headaches. 
I was going to a for profit school in California and it was pretty much sign this loan or not go to school. The lagoon of {$12000.00} I believe was a private loan handled by Sallie Mae ( XX/XX/XXXX fall ) at an wrongdoing of 12 % + interest. By the time I graduated XX/XX/XXXX spring was tone to  pay back my loans. I was suggested into forbearance for my private lagoon because three was no way to lessen my payment for private. {$500.00} a month in student loans making {$10.00} hr.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: Colony Brands, Inc.
State: PA

Complaint narrative:
An account was opened without my permission on XX/XX/XXXX with Through The XXXX XXXX  and another account opened on XX/XX/XXXX from XXXX and XXXX I believe through mail order Catalogs and charges were incurred in my name, I have never made a payment on these accounts and asked for proof that I opened the accounts and both the companies failed to produce it and refuse to remove them from my credit report and have it last reported in XX/XX/XXXX and will not release it from my credit records, I have tried multiple times to dispute them but have not gotten satisfactory resolution. This has prevented me from obtaining credit and caused me to pay higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Portfolio Recovery, LLC
State: NY

Complaint narrative:
this company called XXXX XXXX keeps call numerous times a day for a person i do not have contact with. i have told they numerous times to please stop calling even tried to get a supervisor to remove my number but they still call non stop i had my phone disconected for 2 week because of the endless harassment and as soon as i turned the phone back on they called within 5 minutes. i am considering legal action if this does not work.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
On XX/XX/2018 I tried to refinance car again. The credit union denied my application again. She said the reason is the car XXXX more than it is worth. My credit is not good enough it need to be XXXX mine is XXXX. My ratio is XXXX meaning that they think that I wouldn't be able to make the monthly payments. I co-signed a car loan for my daughter and her credit is worst than mine. I was trying to see if they would approve it without her this time but it was still a no. We brought the car from XXXX XXXX they said that after 6 months to a year we could refinance the car with a credit union and build our credit up together. My daughter has not missed a payment and never a late payment. I didn't think that we would even be approved because my credit is a maybe and her credit is bad. We were financed through Exerter Finance. I called them and explained that the interest rate was too high could they lower it since were in good standing and never late. The interest rate is XXXX. They said go to a credit union, I said we tried that several times and XXXX XXXX said the same thing the car payoff amount is too much higher than the car is worth. Exerter said they don't refinance. Why is it legal for them to give us a Predatory Loan. How did we even get approved, if a person credit is not good enough to Refinance a car then they should not be approved for a car loan. I would like Exerter to lower the interest rate since we have proven that we can pay the car loan on time. Most of the money is going to the interest and not the principal. Can we sue them for Predatory Loan? What are our rights as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
I ask the Debt Collectors to prove that I owed them the debt when they filed a lawsuit against me, but it is pass the Statue of Limitations to collect on this debt, however, they were still granted a Summary Judgment and I would like to report this business to seek relief from this crime or unfair consumer practices of XXXX as Trustee, XXXX XXXX, XXXX XXXX XXXX, XXXX and Heavner, Beyers & Mihlar, LLC.

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 2018-10-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX and on XX/XX/XXXX i unknowingly signed a contract witha JC Penney decorator name XXXX XXXX. My partner XXXX XXXX and I had agreed to meet with XXXX for a consultation for custom drapes. The Original quote was over S 5,000 and i advised XXXX that we could not afford that. And apologized at that time XXXX then stated i could apply for a credit card i advised her that i was unable to do that. She then asked if XXXX could apply and he agreed she then made a call for XXXX to apply over the phone she stated if he was approved she would give us a discount. XXXX voluntarily gave the information that XXXX requested and was approved for over {$3000.00} in credit. XXXX then advised us shecould give usa XXXX discount since he wasapproved for the jc penney cc. He agreed to put XXXX on his jc penney credit card and i asked my mom if she could payXXXX on  my behalf oncethe drapes were installed. XXXX took all my moms information over the phone while i went to use the ladies room. My mother is an elderly woman XXXX years old and XXXX knew that and mislead my mother and committed fraud. At no time did she tell my eldetly mother she would be charged XXXX XXXX on that day and she said she put XXXX  newly approved JC PENNEY CARD on the custom drape order for XXXX.. My moms cc was charged without her permission on XXXX XXXX 2018 for XXXX and then charged again for XXXX on XXXX XXXX 2018 without her permission and under fraudulent pretenses. At the time i signed what i thought was a confirmation of the appointment was fraudulently a contract. On review of the contract XXXX listed all the credit cards in my name which none of the enclosed cards are mine andi amnot an authorized user on any of the accounts. This company has committed fraud on many levels. You can not change a contract which is a legal binding document and charge a 3rd part cc for a fraud contract in my name. I  decided to leave the relationship and the house and XXXXtold me he called XXXX and told her hewas not paying for the drapesand she advised him to cancel his jc penney cc and theywould charge my elderly mothers bank account without her  authorization. When XXXX called JC Penney they told him the contract was in his name my name was on paperwork because i made the appointment which was not true .Please have JC Penney to listen to calls and review notesfrom calls made to JC Penney Customer Service . I would never sign a contract for drapes in some oneelse house because i was off work due to a XXXX XXXX,. XXXX needs to be investigated and fired. Her and XXXX are friends and plotted this together. 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 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Since XXXX of 2018, I have called Capital One to STOP sending me credit card offers. My calls seem to generate more offers. Now from the latest offer, the people just hang up on me after waiting to get into a live person for 20 minutes. I want these to stop. Yes, I'm on the opt-out list!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I transferred money from my PayPal account that was rejected by my bank. 
PayPal refuses to put the money back into my PayPal account and details an extended wait time due to their internal systems. I think they are committing fraud by not placing the funds back into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there is information on credit report that do not belong on the report done dispute several time with Experian and they keep saying that the report is updated but there is no change why are they saying there is an update have never done business with XXXX XXXX XXXX XXXX having problem removing it from report or get it deleted Experian say i should contact the CFPB

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