vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/20 - I called Conn 's to request information about my account balance ( {$5000.00} ) and receiving a credit for an Insurance cancellation I submitted. The store representative applied insurance without my approval or informing of the process. The representative stated it takes 5-7 business days to process. On XX/XX/20 I checked online with my account and Conn 's website service only provides a current balance and payment amount due. There is no details on what is applied as principal and/or interest when payments are made. There is no payment history recorded. I called Conn 's the same day ( afternoon ) and requested my account balance ; they read a different balance ( {$9000.00} with interest ) that did not match the online website. I have the recorded call on file. They still have not applied my credit nor will they advise on a status. They transferring me around to different department/people. I asked how can I see details on my account payment history and the representative stated they do not offer this service and customers have to call each time to request a copy. I requested a copy by email, but nothing was sent. This company does not send monthly statements to customers to indicate what their account is, their online account service does not provide much detail and you have to call each time, but nothing is sent. Have to call again. Companies should provide this information to customers. We have the right to know what we are being charged monthly, where are payment is applied and other information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: PA

Complaint narrative:
I submitted a dispute for the inquiries on my credit report. The inquiries were not removed, my credit score was not addressed and I have yet to hear from Equifax regarding my complaint. The inquiries have a negative impact to my credit score, therefore their removal should have a positive impact to my credit score, and should be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute for the inquiries on my credit report. The inquiries were not removed, my credit score was not addressed and I have yet to hear from TransUnion regarding my complaint. The inquiries have a negative impact to my credit score, therefore their removal should have a positive impact to my credit score, and should be done immediately.

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 2020-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: UT

Complaint narrative:
On or around XX/XX/2020, I took out a loan with Balance Credit. I did this online with limited ability to confirm my information or see the full documents as increasing the size of the content on the documents wasnt available. On XX/XX/XXXX, I was informed by my employer that I would be laid off due to Covid-19. I contacted Balance Credit several times to ask about payment arrangements and to explain my current situation. I finally was able to contact customer service and tried to get some resolution to help with my current situation. I was told I could defer one payment but interest would continue. I asked what interest would be for the one payment ( 14 day deferred ) and was shocked to find out that the interest would be the amount of the actual payment {$220.00} for 14 days on a {$2400.00} loan. During the deferred 14 days, I received several calls a day everyday. I finally took a call from Balance Credit, only to find out my new balance was now over {$2800.00} and they wanted 2 payments approximately {$450.00}. I again asked that if I paid {$450.00}, what would be balance be, and was told it would now be about the same, {$2800.00}. What?? I was advised that my payments were only covering interest. How can they charge 200 % plus in interest and other fees? I feel that one, this loan was done over the internet without the ability to see the documents in larger font, and two this should be considered predatory lending. I cant afford this interest rate. Balance Credit is charging consumers interest and fees that are abusive and grossly inflated. Who protects the consumer? A loan with no end and to do this during the worst financial disaster since the Great Depression!! I now know why you are unable to see or change your application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company responded to complaint XXXX by providing false testimony. My complaint was that they violated the law by not providing me with my statements 21 days before the due date ... and they continue to fail to allow me to look at my statements in a timely manner. CHASE says that I have to sign a new legal agreement FIRST ( evidence was provided in my original complaint ). ... ... ..In responding to my complaint, they stated : " Based on our review, you are being required to accept the legal agreements because as of XX/XX/2020, we are reflecting that the agreement were deleted by your User ID. '' THIS IS FALSE. THEY MADE IT UP. I asked for proof of this alleged deletion, and they said they could not provide it because they deleted due to their record keeping requirements. THIS IS ALSO FALSE : Banks are required to maintain records, particularly with respect to contracts. They are require to inform me in writing of any changes to this contract. CHASE lied, both on the phone and in their written reply. What kind of obfuscated language did they use? What does " based on our review '' and " we are reflecting '' mean -- except to disguise the fact that they are making up the incident they are reporting. FRAUD ... ... ..PERJURY ... ... INTENTIONAL MISDIRECTION. Call it what you like, but it is NOT a response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT INC has an account on my credit that is not mine. i do not hav awritting contract to pay americollect inc. there is no valid proof i owe americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I've been repeatedly called and received letters from American express regarding a credit card debt in which I did not authorized or applied for. The only Hilton Honor Card credit card I authorized was the Hilton Honor XXXX visa card that I was informed a year later after started using that visa card. I was notified through via mail in 2008 that there will be a change or transfer from Hilton Honor XXXX visa card to the Hilton Honor American express card. I did not authorized this transfer and they kept on bothering me to pay off the debt. As a result of that transfer, my interest was compounded, reported and transferred to that American Express account that I did not authorized. I've been consistently making my payment on my original Hilton Honor account consistently and I believed I balanced out that previous balance which I started off with. As of today I have been continually being coerced to pay off a debt that was a result from that transfer to that unauthorized American Express account. As of today my credit score and reports was negatively impacted due to the non payment reported on a American Express card that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO MACYS DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS 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 2020-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There is wrong info on my credit report and I would like to get this issue resolved

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 2020-05-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There is wrong info on my credit report and I would like to get this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is wrong info on my credit report and I would like to get this issue resolved

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 2020-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was on XXXX XXXX XXXX so I called us bank my lender they said I qualified for forbearance which I wouldnt have to pay for 6 months the failed to tell me it would all be due at the end of the the 6 months then right after that coved happened and my hours were reduced so I lost income. Im worried about losing my home. Under cares act I was hoping to get some kind of help or modification to my loan so I could resume normal payments being a single mother of 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 2020-05-14 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: CA

Complaint narrative:
AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: CA

Complaint narrative:
AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 
WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS 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 2020-05-14 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:
I contacted Experian to notify them that Bankruptcy XXXX needs to be investigated for verification because it should not be reporting on my credit report. Experian responded to my request for verification with a response that the account was " Verified '' sighting the source as XXXX XXXX. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Experian and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Experian is willfully reporting erroneous, damaging, and unverified information on my Experian report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis.

15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v.Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the 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 2020-05-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PR

Complaint narrative:
I was charged on XXXX of XX/XX/2018 for a transaction on my university that I dont recognize and isnt applied to my university account. I noticed on these days because they wasnt sending my statements as required by law. I call to dispute the charge and discover dont know how to process a dispute, the dont contact the merchant. They do nothing about the dispute. And dont provide the required by law provisional dispute during the investigation. They dont know how to handle disputes, customer service or provisional credits. When I call the representatives ask for old credit cards that was losted, they dont know how to find a transaction or dispute. Im very dissapointed about this credit card. I dont recommend discover. Due to the poor quality of service. Mediocre.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased an item on ebay on XX/XX/20. This item was a pair of shoes purchased as a gift for someone overseas. When the item was received by my friend it was realized that the shoes were the wrong size. Shoes were ordered in size XXXX. The shoes received were size XXXX. It was also later realized that the shoe box had size XXXX printed on it but a sticker was placed over that to cover XXXX with a label that read XXXX. 

I contacted the seller notifying him about this a few times. The seller did not respond. I contacted ebay who recommended that I escalate a case with PayPal. PayPal recommended that I send the shoes back to the seller for a refund. I told PayPal that the shoes were overseas at the time and had to be shipped back from XXXX. I was told by PayPal to send the shoes back to the seller when I received them. PayPal stated that the shoes had to be returned back within a certain time frame. I notified multiple agents at PayPal that due to XXXX international shipping was delayed by many carriers and that I could not send the shoes back to the seller until I received them myself. I contacted PayPal multiple times to keep my case open until I received the shoes back. Each time I contacted PayPal my case was kept open by the agents handling my case. Once I received the shoes I shipped them back to the seller on XX/XX/20 and provided the tracking information to PayPal. 

Now PayPal is stating that the shoes were not sent back within the time frame that they stated. However, I clearly communicated to PayPal agents from the onset that the shoes were in XXXX and that international shipping delays were beyond my control. PayPal was contacted in a timely manner and my situation was communicated very clearly on numerous occasions. I don't understand why every agent I contacted agreed to keep my case open if I was to be told after returning the shoes that I did not return them in time. Now the seller has received the shoes back but PayPal is refusing to provide a refund to me. 

PayPal 's communication has been disjointed and I have been provided contradictory and inaccurate information. If I was to be denied a refund then I should have been told that BEFORE I returned the shoes. However, I was never told that. It is heinously unfair to deny a refund to me AFTER I have already returned the item - especially, when I specifically stated that the shoes were not in my possession to be returned immediately. And, considering that each agent I communicated with kept my case open due to the nature of the situation. 

I followed all guidelines and communicated the situation very clearly. Now PayPal is biased in favor of the seller who sent me the wrong item, tried to cover it up with a label that was different from the actual size of the shoes, and who has not replied to any of my messages on ebay. PayPal has been unethical in their handling of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've disputed this account several times and I have two fraudulent accounts with JPMCB, that dont belong to me and I demand its removed. JPMCB CARD Date Opened : XX/XX/2018 Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've contacted this company several times via certified mail regarding this fraudulent account and they haven't removed it from my report. I'm demanding this account is removed immediately. 
CAPITAL ONE BANK USA N Account # : XXXX Date Opened : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: NJ

Complaint narrative:
Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.

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