vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: Consolidated Recovery Group, LLC
State: VA

Complaint narrative:
In XX/XX/2019 I received a letter at home from consolidated recovery stating that I owed over 9000 in a chargeback for a XXXX XXXX merchant account and that it would be put on my credit report. Immediately called the company and asked what this was about, they said that if XXXX XXXX XXXX paid this I would have nothing to worry about, and didnt explain it any further than that. So I went to work at XXXX XXXX XXXX and told the company OWNER - which I am not, I was just an employee, that they needed to set up a payment plan for this debt. Which they did and sent checks under the company, this was never paid by me personally. Come XX/XX/2019 I notified consolidated recovery I was quitting XXXX XXXX XXXX  and gave them the contact information of the owner of the company, and they tell me then that if the company stops paying that I am personally responsible for the debt, per the agreement I signed. I explained to them I never signed an agreement and asked for a copy of this agreement. Once I received it I explained that I never signed this nor did I do this. I also asked since my signature isnt on this agreement if anyone could have done this. And the representative said yes. So again I state I didnt do this agreement, and to please send me a signed copy by me which they couldnt provide, and they say I have to do a police report and sign their paperwork stating that I didnt do this. NO Im not signing anything they sent me, because look at what happened when I didnt even sign this agreement. I also recently asked them per what it says in the agreement they sent, that says their client was responsible for doing a verification of all information in the agreement, and that I wanted to see the verification XXXX XXXX  did regarding this agreement and they have ignored me. I have asked for proof of my signature, and they have ignored 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 2020-04-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Foreclosure action by JP Morgan Chase. Submitted Loss Mitigation Options package to Chase on XXXX, received approval on XX/XX/2020. Chase received Final judgement on XX/XX/2020, scheduled sale date of XX/XX/2020 on XX/XX/2020. Sale date was requested and established after the Loss Mitigation Request was approved on XX/XX/2020. 
JP Morgan Chase procured a Sale Date of XX/XX/2020 and a subsequent new sale date of XX/XX/2020 after the loss mitigation request was approved on XX/XX/2020, which is prohibited by section XXXX XXXX g ). JP Morgan Chase violated, Regulation X and the Fair Debt Collection Act. 
I have been unable to proceed with the Short Sale of the home because of the Banks aggressive foreclosure dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The collection company place a collection on my credit file before sending me a ( 30 ) days Notice. I call them last month to removed the collection from all three credit bureaus and told them i moved to a new address so they can send me the 30 days notice to the new address, I just received the notice on the XXXX of XXXX. I call them to send me a validation letter and sign contract between they and the original creditors as proof for them to collect the debt from me and they said they will not send me anything else and the collection is going to remain on my report and there is nothing I can do about it. I told them that the government said that all collection are on hold for the next 90 days because everyone is worry about their life right now and need time to pay off any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX XX/XX/2020 @ XXXX, I called Midland Credit Management and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The details of my AMEX gift card no. XXXX XXXX XXXX and no. XXXX XXXX XXXX were stolen on XX/XX/2020. I have known these when I checked the balance with AMEX on XX/XX/2020. The AMEX representative who received my phone call on that date told me that there were transactions made on XX/XX/2020 ( the same day I reported the unauthorized transactions ). I immediately requested AMEX for the deactivation of these cards which the representative did and replacement cards were processed and issued. I also alerted the merchant, XXXX XXXX, on the same day ( XX/XX/2020 ) of the unauthorized transactions and the agent on the phone told me that they will cancel the said transactions. I informed AMEX on the same day, what the merchant told me and the AMEX agent told me that it will take 7-10 business days ( by XX/XX/2020 ) to process all these. 

I called the merchant, XXXX XXXX on XX/XX/2020 to follow-up. The agent told me that they have already canceled the unauthorized transactions and gave me the authorization numbers for the said cancellation as shown in Attachment 1 hereof. They told me to call back AMEX to follow up. 

I called AMEX on XX/XX/2020 to follow-up my refund. They told me that they can not process the refund because the cards were already charged on XX/XX/XXXX and XXXX, 2020. This despite their action on deactivating the cards on XX/XX/2020. This is the reason why I am filing this complaint. I believe AMEX should fix my refund because they allowed the charges despite the deactivation alert right from the very beginning, on XX/XX/2020 yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I opened my Uber Visa from Barclays on XXXX XXXX. The card offered a {$50.00} credit toward a streaming service if {$5000.00} was charged to a card in a membership year. I joined XXXX XXXX, which is a qualifying service. 

Barclays has responded that the credit should be issued, but the spend was not completed during the anniversary year, which is not accurate. I completed my spend in the anniversary year. 
" This benefit was discontinued when your credit card was converted to the Uber Credit Card on XX/XX/XXXX as described in the communications you received. At the time of your conversion, we allowed your account to complete the full 12 month anniversary year to ensure your benefit was not discontinued mid-anniversary year. However, once your anniversary year ended, the benefit was not renewed. ''

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint about syncrony bank/care credit. I have been having nothing but problems and issues with an existing problem ( charge ) that was fraudulantly done on the account from back in XX/XX/XXXX. This account is interest free for 24 months. The interest will incurr this XX/XX/XXXX if balance is not paid in full by then. Today I called care credit to figure out if the investigation is completed and my account credited back the {$510.00} that was fraud. I was told that the account needs to be closed and a new account number issued and a fraud complaint put back in. This is the 3rd time I am disputing this charge. The first time they credited the account then somehow added back onto my balance. I was also told today that they can't see back to far on the account as they do not have access to that far back. I am very upset as the balance they say we owe is {$1200.00} this is wrong the balance owed should be {$680.00}. We made 1 purchase back in XX/XX/XXXX. With no interest ( which I would like to note : there is still an interest added on this account for {$2.00} ) plus a late fee they were going to reverse which still has not been done. A dispute takes up to 60 days for completion. I am trying to get this resolved as I want to pay off this card in full before XX/XX/XXXX. I do not no what the issue is but I am being charged {$510.00} extra. Syncrony bank keeps saying they gave us the credit. Upon my husband taking the 1 initial charge minus the payments with no interest our balance is {$680.00}. I just made a {$300.00} payment today. I am also submitting another complaint as the minimum payment due each month when the card was opened was {$160.00} now the balance is signifiganctly lower and they want a minimum payment of {$600.00} this makes no sense whatsover. Balance going down minimum payment should be going down. They also lowered the credit line from {$4500.00} to {$1500.00} again which is very upsetting. This card would only be used for an emergency as to where they accept which is dental or eye doctor. I'm hoping by submitting this complaint through fustration with this bank that there will be some type of resolution and I can just pay off the card in full before XXXX when the interest would hit.

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 2020-04-15 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}

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 2020-04-15 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}

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 2020-04-15 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:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/ XXXX violated my 609 rights by reporting information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX/ XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX- XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF ED/XXXX/XXXX  XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX/XXXX  XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX  XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting a late on my credit file for XX/XX/2019. I've had this account for a few years and have never had an issues with them in reporting inaccurate information. I have always made my payments on time and I don't know why this late is on my credit. I had no idea it was reporting until I recently checked my credit. I am requesting this is erroneous & needs to be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I was laid off. I applied and was accepted for unemployment benefits on XX/XX/XXXX. The unemployment office then ordered me a US bank ReliaCard even though I had already had my bank fax the unemployment office my checking account info for direct deposit. On XX/XX/XXXX my card should of been mailed but I did not receive it and no I didn't accidentally throw it away. I open all my mail. Ive received 4payments as of today XX/XX/2020. With a total of {$1800.00} on the US bank card. I need my money to pay my bills. Ive tried calling US bank ReliaCard everyday for that last two weeks and Im put on hold then hung up on.Ive exasperated all options to find my card that I believe was never mailed to me to begin with. I called XXXX XXXX XXXX XXXX XXXX XXXX today and will continue to call them along with the business bureau until I get the action that is needed. Thanks for your attention to this matter in advance. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XX/XX/2020 @ XXXX, I called XXXX XXXX XXXX and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: OH

Complaint narrative:
I applied for a credit card from XXXX XXXX XXXX, it was sent to me, then I was directed to the fraud dept, I tried three times to call them, put on hold for over an hour each time!,, I then received a decline letter from them, stating that they weren't going to issue the card even though I had it in had, I then shredded the information and the card. 
I now see where this is showing up on my credit report, I DO NOT HAVE a XXXX XXXX XXXX Credit card. 
If you can see someway to reach this company I would greatly appreciate 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 2020-04-15 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
The company just recently purchased the debt from XXXX on XX/XX/2019 and already suing me without notice. I believe they are now trying to sue because I am not allowed to properly dispute due to Corning virus and they have already showed up to my parents house and used scare tactics on them to get info. The debt collector is Calvary portfolio service.

Company response to consumer: Closed with explanation