vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: CA

Complaint narrative:
On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the XXXX data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.

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 2020-11-30 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:
On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the XXXX data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a Care Credit Medical Card. This card was very misleading. When I first opened the card, it was a promotional offer. If paid off in 12 months there was no interest. At the time I paid it off unaware that it just continues to stay in promotion. I noticed monthly interest rates so I assumed it wasnt in a promotion. I did see on my account often, that I had promotions ending but because I was making interest payments around {$30.00} a month, I thought i was ok. On XX/XX/XXXX, I was charged {$720.00} in interest which brought my account to negative. This interest rate is appalling. I called and spoke to two managers. At one point the manager chuckled when I asked for her name as I was going to be contacting you. She said gladly. She asked if I had a hardship. I explained Im a single mother with one income. She said thats not a hardship. I asked to see if there was anything I can do to spread that out and they said no. Now Im in the negative and have a {$160.00} a month payment. This credit card is extremely deceiving and that fee should not be aloud.

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 2020-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased airfare through Capital One travel on XX/XX/2020, for {$340.00}. On XX/XX/2020 my flight from XXXX XXXX, XXXX to XXXX, XXXX was canceled due to COVID 19. 

On XX/XX/2020, I arrived at XXXX XXXX airport at XXXX XXXX, four hours before my departure. When I tried to enter the airport the employee checking tickets told me I could not enter. He told me I had to visit the XXXX XXXX XXXX on the other side of the airport. 

When I arrived at XXXX XXXX, there were many people waiting in line. Apparently, several XXXX XXXX flights were canceled for the day due to new COVID-19 restrictions and XXXX border controls. When it was my turn to speak to the manager, he told me that he was sorry but there was nothing he could do. He gave me a flight cancellation certificate and told me to present it to Capital One since I booked the flight through their website. 

I have called and faxed Capital One several times concerning this matter but they have not refunded my money from the canceled trip. Capital One says XXXX XXXX has agreed to give me credits but that isn't true. I have called and emailed XXXX XXXX several times as well and they say that Capital One is responsible for reimbursing me since I booked the flight through their travel site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
I have been having problems with the Amazon Synchrony card for a long while. The card keeps billing me amounts for things that I could not remember ordering. I had a difficult time discovering what I had purchased. 
There was no way to dispute the charges because Synchrony makes it difficult to contact them ; file a question or complaint ; or talk with a person. 
Finally, I was able to move my Amazon XXXX  XXXX  services bills onto my VISA card and I cancelled the Synchrony card. 
I was paying all bills as they came up for many months while I tried to get the problem settled. 
Now, Synchrony has billed me another {$65.00} for nothing. The account is closed, they admit, but I am being billed. 
I do not want any business with Synchrony.

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 2020-11-30 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased software from XXXX XXXX XXXX on XX/XX/2020 for the price of {$1300.00}. The software was a scam and did not work as advertised. I tried filing a dispute with the XXXX XXXX but was told it was closed because XXXX XXXX said that I did not provide them with a receipt. That was a lie because I had emailed XXXX XXXX my receipt when I initially asked for a refund. I have been scammed and my credit card company will not refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Check was supposed to be deposited into account on XX/XX/2020 but they said account was closed then on XX/XX/2020 a direct deposit check from my employer was deposited into an account that was supposed to be closed out and chase telephone customer support told me the check was being sent out and should arrive in 12 business days. I called chase customer support on XX/XX/2020 and told me they had to reissue the check and wait another 22 days for it to come in the mail. I called chase bank on XX/XX/2020, a month after not getting my money, to find status on check that was supposed to be sent to me and was told it should arrive by XX/XX/2020. XXXX XXXX 2020 still no check, called chase telephone customer service and was bounced around to different departments ( loss prevention, accounts recovery ) they finally told me that instead of mailing a check that they took all the money and put into an old account where i owed money and i would not be recieving any funds. They did not tell me and did not have my consent to use that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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:
I am a victim of identity theft I have filed a dispute with the Experian fraud department and have provided them a valid police report and a valid FTC affidavit I have taken all the steps and I just keep getting some generated reply from Experian saying my police is not valid because it was not filed with a law enforcement when in fact it was and I have provided all the information needed for Experian to verify the police report. They are knowingly and willingly damaging my credit and have caused me stress and multiple time to keep going to the police department even when they keep giving me the same police report and saying they don't know why Experian is sending some generated letter asking for a police report to block fraudulent account when they I have provided the valid police report. Enclosed is the FTC, Police report and the generated letter I get from Experian. Along with my Dispute letters sent to Experian. I have also checked my XXXX and XXXX who do not report any fraudulent accounts on my report. This is reformation

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 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I have disputed the alleged medical collections reporting on my credit many times with the 3 major credit bureaus. As well as directly with the collection agency via certified mail. The information they provided back to me clearly shows that the accounts are NOT mine. They also did not even provide any proof at all on half of the 8 accounts they allege i owe. They have violated 15 USC 1692 FDCPA and 1681 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX XXXX that does not belong to me. The account number is XXXX. According to Transworld Systems , Inc., XXXX is reporting this account to the credit bureau. I have never lived in Texas nor have I done business with XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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:
Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I filed an application for 2 loans with First Repbulic Bank in XXXX XXXX. This was for 2 income properties, one XXXX XXXX  and XXXX XXXX. Both properties are based in XXXX XXXX. 

When i applied for the loan i never received any estimate on the costs associated with the loan until about 1 hour before the Title company was coming to have me sign documents. 

This was a clear violation to RESPA-TILA. I would like to discuss further how to escalate 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 2020-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
XXXX I received and email saying " After sending you the several Emails, We have not received any response from your side ; it seems you are clearly avoiding this legal matter. 
This is the final notification from our side to let you know that your case will be filed by next week. 
Kindly get back to our manager XXXX XXXX ( XXXX ) and let us know if you want to settle this case out of court '' I responding asking for proper documentation because this does not sound like its my debt. Instead of them sending me documentation they keep threatening to sue. 

they also gave me this explanation of who they are : " XXXX XXXX XXXX is a parental Payday loan company which owns and operates on more than 350 payday loan websites like XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX etc. We are talking about the loan amount of {$300.00} that you took from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NC

Complaint narrative:
I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the Credit Reporting Agencies, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NC

Complaint narrative:
I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the Credit Reporting Agencies, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted to me.

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 2020-11-30 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2020-11-30 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
In XX/XX/2020, I purchased an item of clothing from XXXX clothing company. Item ( jeans ) were on sale for {$19.00}. 
Item arrived without invoice. I did not receive a statement until XXXX stating i owed them {$29.00} plus late fees for total of {$58.00}. 
I sent a check for {$20.00} to cover initial costs of jeans, the check was cashed. there should not have been late fees as i did not receive an invoice for the initial amount. 

I received another statement in XXXX stating i owed them {$40.00} for more late fees. 
I wrote them a letter explaining that i had paid for the jeans, so why more charges, and they opened an investigation that will take up to 90 days to review. 
In the meantime i have received more statements with even more late fees, plus phone calls from collection agency on behalf of the company threatening to sue or take me to court. 
With the help of my daughter-in-law I contacted them again XXXX XXXX, and paid the 'overdue ' balance of {$69.00}. Unbeknownst to me the charge did not got through properly. I was not made aware of this by the CSR. I found out on XX/XX/XXXX when I received yet another threatening call saying i owed more than {$100.00} in late fees. 

I rang them immediately and tried to explain the situation and asked them why are they charging me more fees and what is happening with the investigation. No one could help me. they just wanted over {$100.00}. 
I rang again XX/XX/XXXX to try to sort it out again but eventually I asked my daughter-in-law to call them on my behalf ( again ) and they agreed to drop the latest charges if i paid the balance amount of {$69.00}. So i used a debit card to pay {$69.00}. 

I am XXXX years old and i live alone. I have now paid over {$89.00} for a pair of jeans, because this company did not send me an initial invoice. A friend of mine had a similar experience and now we think the company uses these tactics to get more money from older people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Bureau of Med Economics. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation