vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: CA

Complaint narrative:
I received a letter from ERC Collection Agency in re XXXX XXXX XXXX XXXX XXXX demanding {$150.00} or settlement of {$95.00}. This is an attempted shake down for a debt discharged in  chapter XXXX bankruptcy as of XX/XX/17. I have not attempted to contact this entity so as not to validate this matter unwittingly because it is invalid due to the discharge afforded by the BK Proceedings. This company is trying to perpetrate a fraud during this tax season as is common by collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received an offer from Chase that came with a number of blank checks. The offer 's terms indicated that there is a 0 % APR through the billing cycle that ends on XX/XX/XXXX. I cashed what Chase refers to as an access check ( adds to the credit card balance ) on XX/XX/XXXX for {$1500.00}. I also continued to use the card for various other purchases, but paid those charges in full within a day or two of making the purchase, leaving only a portion of the {$1500.00} as a balance. I checked my statement, only to find out that they had charged {$9.00} in interest. When I called them to dispute the interest charge, they reversed that charge, but indicated that going forward, if the balance isn't paid in full, interest would once again be charged. 

Their explanation for this doesn't make any sense to a reasonable human and is horribly misleading. They state on the back of the offer : " If you take this offer and do not pay off your entire balance each month ( including the promotional balance that you add by using this offer ) you will lose the interest free period. This means that you will being paying interest on all new purchases, even if you pay your purchase balance in full each month ''. 

There are two serious issues with this approach : 1 ) How  am I paying interest on all " new purchases '', when the purchase balance is paid in full each month? The answer is that I am not paying interest on new purchases, I am paying interest on the promotional balance because that is all that remains on the account. The notification does not make that clear and is seriously deceptive. 

2 ) There is clearly no 0 % interest rate offer for a year, since according to the offer language : " If you not pay off your entire balance each month ( including the promotional balance that you add by using this offer ) you will lose the interest free period. So, the offer goes away if you don't pay the balance in full each month including the promotional balance. How is this interest free for a year? 

At the end of the day, what they really mean is that the 0 % offer only works if you don't use the card for any other purpose after you have accepted the offer, whether you pay those charges immediately or not. Had they made that clear, I would have used another card to pay for my purchases to keep the 0 % interest rate intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a serious situation with Experian regarding the following : I contacted them on several occasions and got either no help, they didnt understand what I meant when I explained in detail, they told me things that were not correct about my account, transferred me but didnt say what type of department I was being transferred to. I someone based on all of the screen shots could log in which is one serious issues as you will see from my emails I sent to them. I started a dispute and it logged me out and then started over but there is a character limit so they cant read what all I wrote in addition to continuing to email me saying new information is a available now and to log in well either I log in and says I have an account or gives errors and if you see the PW reset I cant even believe thats what it says. I have tried every avenue, I even left a message with 2 people in their regional offices two weeks ago and not even a call back from either to say something such as XXXX, here is where I can direct you, we are happy to help etc. this is a mess and so many issues its hard to write them all but also I asked point blank to send me something or send XXXX XXXX XXXX who declined me and in approx 19 years ( 6 vehicles leased back to back which is considered a loyalty customer still declined me ). My lease was up XX/XX/XXXX and I know nothing other then to do what Ive done for my last repeat leased vehicles but schedule my vehicle inspection, turn in and release. Well now I will have no car, have to pay out of pocket for the disposition fees, and whatever else versus those being waved. XXXX was gracious enough to extend my lease for me for 2 months to help me work on my credit as there are items that are wrong. I successfully was able to dispute a medical bill in collections that never should have been in collections with XXXX and yet Experian still has it and reporting it. This is not right when I have done all I can and have spent a month on this daily. They claim all of these things and give wrong information and pawn you off on others because say they dont know why I cant log in. Well I could and they even mailed me my credit report which is so long and so negative and wrong items but yet I cant dispute other then the one I started and instead of coming back and saying they cant read or understand it because it allowed me to only give like 3 sentences they started a dispute and apparently its complete but I cant see the results. I just need to attach please what I sent to them as I think that will sum it up. Thank you so much

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 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC
State: TX

Complaint narrative:
I received a call on XX/XX/XXXX from XXXX XXXX of Quality Asset Recovery. He began blasting me with accusations that my son owed money from a rental apartment in XXXX XXXX, TX from XXXX. Mr. XXXX did not appropriately explain the situation as this was the very first time I had knowledge of any owed money. When I asked him for information to understand the situation, he became defensive, and started to use intimidating and threatening language. He said my husband and I are co-signers of the lease and if we didnt want to ruin our credit, we needed to pay the money owed. We have never received any communication prior to this phone call about any remaining money owed to the rental apartment company. 
I told Mr. XXXX that I was taken back because I felt he was bullying me, and asked him to go over everything again so I could write it down. He said he wasnt going to do that and to speak to my son because obviously he was lying to us. ( he actually said that! ). I told him he was being inappropriate and I was going to report the call. He again got defensive and said to call him back when Im ready to not have our credit ruined.

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 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX some orders showed up on my USAA Federal Savings Bank XXXX account. These charges originated from XXXX and XXXX. I immediately contacted XXXX and USAA and XXXX to report the fraud. USAA was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and XXXX as well as USAA. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my USAA account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to  be fraud. USAA finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and XXXX to settle this matter. Both XXXX and XXXX stated that because the fraud claim was submitted to USAA for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and XXXX by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my XXXX card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NY

Complaint narrative:
Inquire or accounts I did not do

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 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I deposited my IRS refund check into my Bank of America checking account through the atm on XX/XX/XXXX. At the time of the deposit the deposit confirmation said that my funds would be available on XX/XX/XXXX. I went on my bofa app on XXXX to check the status. It said that the funds are hold until XX/XX/XXXX. The check amount was XXXX. I called bofa to try and understand why they would put an IRS check on hold. They then told me that the issuing bank has not verified that the funds were available. Naturally I called the issuing bank. They said that they hadnt had any request for payment of that check from bofa. I waited a day to allow transaction process to take its course. I called bofa again on XX/XX/XXXX and they said they still hadnt received a response from the issuing bank. So, again, I call the issuing bank to see what was going on. They told me that I needed to contact my bank and find out why they are holding my funds because they sent the funds to bofa on XX/XX/XXXX. Bank of Americas response to my question, where are my funds, is the same, they have not received the funds from the issuing bank and that they still havent verified that the check is good. But meanwhile, they have the funds already.

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 2020-03-12 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:
Inquire or accounts I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NY

Complaint narrative:
Inquire or accounts I did not do

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 2020-03-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Thank you for the opportunity for XXXX to bear witness to your failure to respond to the issues I presented in my complaint # XXXX through the CFPB. The issues which you avoided went right to my fundamental right to be free from inaccurate reporting as well as fraud and identity theft. One can only assume that the avoidance of those issues is an indication that you have more to hide. Your company failed to provide a responsive answer which would satisfy my right to information requested. I wish to make public notice of the following : 1. Notwithstanding the production of any substantively admissible facts to the contrary, the following shall stand as facts not reasonably in dispute in any adversarial proceeding : a. Your company furnished negative information to one or more consumer reporting agencies as evidenced in the above referenced complaint. ( See exhibits in the above referenced complaint ID # ) b. I filed a complaint with the cfpb. The complaint challenged the legal sufficiency of your actions. 
c. Your companys response appears intended to misrepresent and mislead me into believing that your company is in possession of sufficient substantively admissible facts to establish your right to report or collect on an alleged debt without having produced said facts. 
d. Your company has failed to provide me with substantively admissible facts sufficient to show that you have or had my express written authorization to use my personal identifying information in connection with the collection of the alleged debt in question. 
e. Your company has failed to provide me with verification of the alleged debt in question or contract in the form of a credit application. 
f. Your company has failed to provide me with substantively admissible facts which would show that I have agreed to any terms and conditions relative to an agreement with your company. 
g. Without a witness to swear to proof of service/proof of mailing of any billing statements, I am forced to deny the existence of any such account stated. 
h. Since the filing of the CFPB complaint specified above, I mailed a complete denial of the existence of any alleged debt and such mailing was not returned to me as undeliverable. 
i. Your company has portrayed me in a negative light to one or more consumer reporting agencies and in an unconscionable attempt to cause me to surrender money, rights, or 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 2020-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Paying every two weeks XXXX dollars. The original loan was XXXX. Total amount I have to repay is XXXX, XXXX. I just feel that it is unfair lending practices. I have rent that is XXXX dollars a month. I am basically living off one paycheck which I have to pay this company out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX  XXXX XXXX  XXXX 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 2020-03-12 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: MoneyLion Inc.
State: GA

Complaint narrative:
In XXXX Money Lion Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received a statement on a credit card account dated XX/XX/20 and I did not apply for the account. U. S. Bank charged a fee of {$450.00} to establish the account. I immediately contacted U. S. Bank and cautioned them that I did not ask for this account and I would not be responsible for the membership fee or any charges made against the account. I began to research how the account was opened, where the account information about me came from and U. S. Bank 's complicity in this attempted fraud.

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company has not removed the fraudulent, unverified accounts from my credit report ; instead they " Certified '' the accounts are current and in good standing which is not the case. The company deleted only 1 of the disputed, unverified and fraudulent accounts despite the fact that I have provided a FTC Affidavit and a police report precisely naming all the accounts that are fraudulent on my credit file.. 

Also, how could the accounts come back as " verified '' and " certified '' with Experian when XXXX and XXXX were unable to validate or verify the same identical accounts, confirmed them as being fraudulent and followed the protocol for Identity theft victims and promptly deleted them all from my credit file? I find that highly suspicious so I am providing a copy of my credit file from both bureaus as proof along with the FTC report and Police Statement that clearly indicates which accounts are fraudulent. 

If the items are not removed, I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand any and all of the following accounts be removed from my credit 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 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Someone stole my information. And open up a apartment in my name in XXXX texas. The name of then is XXXX XXXX  XXXX XXXX. I found out because I was trying to get a place to stay and it came on my credit report. I never stayed in texas a day in my life, for the same company they also used my information for there electric bill called XXXX XXXX XXXX. I have tried to dispute the charges but nothing is being resolved. I have filled a police report and a Identity theft form .someone has access to my social security number and is using it opening up accounts under my name can someone please help thank you

Company response to consumer: Closed with explanation