vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
The company Midwest Recovery Systems has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine as I have not signed a contract with them. This account is fraudulent and was made without my consent. I tried to explain to this company that this doesn't belong to me. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was notified of a inquiry on my equifax credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a Equifax agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... EQUIFAX IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an issue with the Capital One Credit Card website and a payment did not go through for XX/XX/2018. I was told on a recorded call that I was ok and that it would not go on my credit report. I was in effect lied to because on other calls I was told it would but then I was told it would be taken off if I filed a formal dispute, which I've done. But my credit report still shows a missing payment for XXXX of 2018. I need it corrected immediately so I can get a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
There is incorrect information reporting on 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 2020-02-26 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: NY

Complaint narrative:
EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX I never applied for ANY credit on this date or with this company! This is NOT my inquiry. Please remove this

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 2020-02-26 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: WA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-26 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
received email from Experian stating issues found and feel reporting wrong and ask to have these 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
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please refer the complaint # XXXX dated XX/XX/XXXX. 
On or about XXXX XX/XX/XXXX, I received the letter from Chase that they are closing my account ending in XXXX. I have no idea why they did that as this card was very active with the transactions as current as this week. I always made on-time payment. I am having credit score of XXXX. Never missed any payments or delay payment. Very little debt ( mortgage on rental property ). 
Letter states that account is closed due to : Too many requests for credit or reviews of credit This account and/or related account was closed at the banks request. 

I some how feel differently. I strongly feel that chase is doing it deliberately as I had reached out to CFPB in the past about Chase. Please refer another CFPB complaint XXXX on XX/XX/XXXX. 

Called Chase and had around 30 minutes of discussion about the same on XXXX XX/XX/XXXX. First with XXXX and customer Service ( XXXX, TX ) According to XXXX, within 12 months - 4 credit card accounts are opened by me plus my another chase account ( XXXX ) which was closed by Chase are the two reasons for the closure of my account. 

This is a serious issue as every time a card is opened or closed - there is an impact on person 's credit score/history. If people like me are facing these kind of situations - what this fraud bank will do to others who are neither having such a high credit score or knowledge about finance/credit card industry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX alerts

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 2020-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I purchased a car and financed with the Nissan Corporation. commencing on XX/XX/XXXX with an original maturity date of XX/XX/XXXX. At the start of my car loan in XXXX I ran into some unexpected money issues. I called Nissan Corporation to look into a payment extension. I was informed that yes this was available and that the loan would be extended and the payment would be paid at the end of the loan term. Which meant extending the maturity date.During the life of the loan I took advantage of the payment deferment 2 more times for a total of 3 extensions. Moving my loan form an original end date of XX/XX/XXXX to XX/XX/XXXX. To my surprise at the end of the loan I was hit with a {$1000.00} accumulated interest for those payments. I don't ever remember being told this would happen and would have definitely opted to make late payments on the loan rather than incur large amounts of interest over the life of the loan. I did received letters ea time the payments were deferred and I don't recall seeing anything about the extra account that would be set up somewhere I could not see or access. They have double dipped on the interest. The money was not removed off the account it was simply moved and extended the life of the loan which means they were already collecting interest on the loan amount, and the extra extension time. It was never made clear that there was a separate account collecting and growing in funds. My statement and online account always showed a depreciating amount. I was taken advantage of and could have easily made other arrangements, or made extra payments when I was able to, and I would have not proceeded to extend the loan 2 more times had I been properly informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: AZ

Complaint narrative:
I have been a loyal and long time customer of Capital One for years. The tools for my business were stolen and my financial situation turned upside overnight. It has taken me a long time to recover from that loss of income. 

Long story short. I entered into several payment arrangements over the last year to make sure I did not lose my credit card. Here I am thinking everything is getting back on track. They gave me the dates and amounts and I agreed. However when these amounts were given for example if I was only {$150.00} over my limit they would say {$400.00} was owing. I would always pay the arrangement until I was no longer in the red and back to under my credit limit. 

I JUST found out on XX/XX/2020 that all those payments I had been making the Capital One representatives were not calculating the statement generation date so even though I was making payments I was still falling behind because of the miscalculation. 

It was a Capital One representative that brought this to my attention. I only found out because I tried making a payment online and their system wouldnt let me. Do you want my payments or not? 

I am now below my credit limit so I should actually have available credit. Instead I found out they are saying I owe them {$460.00} by XX/XX/2020 ( the amounts I allegedly owe keep changing, one minute its {$330.00} then another its {$460.00} and then I still dont get my card back until there has been 3 months of on time payments. I made my payments and it was their representatives miscalculations and they refuse to admit their mistake and resolve the issue including releasing my card even though they admitted they have the power to do so right now. I even have screenshots showing no payment due. 

If any money was owing it would reflect on my unpaid balance and there is NO money owing!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2019 I went for complimentary visit to XXXX XXXX XXXX in XXXX, Florida. I decided against treatment and am now receiving bills from CareCredit ( Synchrony Bank ). 

I called CareCredit on XXXX XXXX. They told me they will file a fraud claim investigation. 

Bottom line, I was told that this was a Complimentary Visit. And was told nothing about CareCredit. I did not apply for a CareCredit card. I dont have this kind of card.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX | XX/XX/XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate   XXXX XXXX | XXXXN/AInaccurate  XXXX XXXX | XXXXN/AInaccurate  XXXX XXXXXXXX XXXX  | XXXXN/AInaccurate   XXXX  | XX/XX/XXXXN/AInaccurate  XXXX  | XXXXN/AInaccurate  XXXX/XXXX | XX/XX/XXXXN/AInaccurate   XXXX  | XX/XX/XXXXN/AInaccurate  Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2020-02-26 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been a GOOD customer of American Express for 30 years. I have a good credit rating and yet I am being charged a 22.49 % Apr. I have spoken with several very nice, understanding people at American Express and no one knows why I am paying so much in interest. I am XXXX years old and have an income of {$850.00} a month and I have a mortgage to pay. I just upgraded to another XXXX  card and am shocked to realize I must now pay an annual fee of {$95.00} ( there is NO senior discount ) and this outrageous interest rate. Perhaps if the CEO wasn't paid such an outlandishly high salary I wouldn't have to pay such high fees. I am no longer willing to recommend XXXX to anyone and am saddened at the way American Express doesn't appreciate my business or loyalty. I really feel I shouldn't be charged for an annual card or such a high interest rate. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX Huntington charged the Automatic Draft to my Bank Account, XXXX as per Funds Transfer Contract and Charged XXXX Interest. They cashed my payment of {$1000.00} check # XXXX marked Principal only and applied XXXX on XX/XX/XXXX ( 4 days later ), then charged another XXXX Interest. 
Huntington Double Charged me Interest in XX/XX/2018. {$140.00} was charged on an XXXX pyt of XXXX on XX/XX/XXXX and {$140.00} was charged on a principal pyt of XXXX check # XXXX on XX/XX/XXXX. 
Huntington Failed to Auto-Draft my bank account in XX/XX/2018. And again in XX/XX/2018 cheating me out of a Principal Payment of {$1200.00} # XXXX. 
Huntington Double Charged me interest on XX/XX/XXXX amount of XXXX AFTER charging XXXX 3 days Prior on XX/XX/XXXX. 
Huntington Double Charged Interest to My Mortgage on XX/XX/XXXX amount of XXXX After Charging XXXX XX/XX/XXXX. On XX/XX/XXXX Huntington only credited me XXXX for a Principal ONLY Payment of {$500.00} dated and sent XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I found a fraudulent charge on my Amazon Chase credit card in XXXX 2019. I only use this card for XXXX purchases. This charge was from a strange company out of XXXX called XXXX  XXXX and the purchase was for a {$480.00} vacuum cleaner. I called Chase immediately when I found this, disputed the claim, asked if I should close my account or get a different card number. They sent me a different card number. The representative said that the item was shipped to my business address, but only my physical address without the suite number. I stated I would never do that because I always include my suite number when I order anything to be delivered here. I am very shaken because I didn't purchase this item, and someone had my information enough to include my physical address, and used my email address but it went to spam so I didn't catch it. I asked if I should file a police report, she said no. She said that it will be taken care of. I got a letter in the mail today, saying that because " I received benefit from this transaction. '' that I was denied and now owe the {$480.00}. I would like guidance on how to go forward. When I go to the website of where this was purchased it is very sketchy. I'm not sure what to do or how to go forward and would love some guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TX

Complaint narrative:
I cancelled my Experian account. Afterward they charged me for the next month. The amount was XXXX. After interminable attempts on their deliberately difficult to contact systems I finally got to a human being who arranged a refund. On XX/XX/XXXX of this year they charged me the same amount again. After an hour of contact attempts and being transferred to different people 3 times I am told I dont have an account and Experian cant help me. At this point I want to charge than with criminal theft. I also want my money back and I want them to stop charging me. I want compensation for this torture.

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