vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a XXXX Rewards credit card to my address stating that I just need to activate it to receive a {$1000.00} limit ... I have never done any business with XXXX, or with Comenity Bank where this card is being run through ... I never requested a card from either of these companies, and have never been in contact with them ... They never performed XXXX on me. 

They never confirmed my address or my identity, this card could have been sent to an address that I no longer live at ( thank XXXX it didnt ), and any one could have activated it and started to use it. This was not an application for a card this was an actual card being sent to me. They opened a line of credit in my name that I did not request, authorized, or sign for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: AR

Complaint narrative:
Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.NE XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4.XXXX  XXXX falls under XXXX XXXX XXXX act paid in full. 

5 XXXX XXXX XXXX  purging and re-aging the account. Account being paid as agreed.

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 2019-08-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I have a private student loan with XXXX XXXX XXXX XXXX XXXX formerly called XXXX. ( Now called XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXXXXXX the originator XXXX XXXX XXXX keeps saying I still owe money that I dont. I receive these every year saying I owe money I dont owe anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I paid off my personal loan to XXXX - the remainder of the loan was for approximately {$15000.00} out of a total 5 year loan of {$50000.00}. 
I sent my payment by the mail with the print out of pay off amount from the XXXX website. 
Three weeks later I started to received daily debt collection calls. I called XXXX many times, gave them the check number that I sent to them. 
They finally located it and applied it to my loan and promised on the phone that the delay in finding the check would not affect the final pay off amount. 
Two months later, daily calls from debt collection started again, for an amount of {$72.00} that I now supposedly owed. 
While I shared the tenor of my conversations with XXXX and the fact that I was made to pay for interest that was the result of their delay in processing my check - the calls have continued XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was told that at the end of XXXX  my account was flagged which it shouldnt have been. I currently have a little XXXX in there and they wont allow me to access it stating they have up to 6 months this is through venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
This company calls from a different number each time. 7 days a week XXXX times a day. I have nothing on my credit report for this company so there is no known debt nor have I received anything in writing from them. When I called to tell Them a complaint was going to be filed for their ridiculous amount of phone calls the lady refused to remove my number ( which clearly I never consented to them calling ) without obtaining personal information which I refused. This is XXXX single day for at least XXXX months. Blocking the number doesnt work as they just use another to call several hours later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Hi. I used XXXX through my XXXX XXXX app to make a transaction with a seller for a product. The seller scammed me on the product and now I am out of money. I want XXXX to pull the funds from his account and reimburse me my money. He sold an XXXX that was filled with cockroaches and unworkable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Was never contacted by XXXX of my collection. This collection is five years old i am trying in good faith to resolve this issue but i was never contacted. They are saying i owe then a rediculius amount of money.

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 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I went to the XXXX XXXX XXXX Bank of America location to use the atm to deposit some money. I was approached by 2 men and I am only XXXX and around XXXX XXXX  so I was frightened. THey told me to deposit a check and withdraw {$880.00} at first I said no a couple times and asked others around me to help me but they kept pressuring me and insisting i do what they tell me to do and one guy was standing by the door. I was very scared and eventually because of my silence the guy steps to my machine and inserts his check and puts in the amount he needs to withdraw and tells me to put in my PIN number and because I was scared I obeyed. They take the money and run out. I immediately go inside to the bank Vice President and tell them what happened and they told me they would file a claim and call the police and catch these guys. They also promised me that the bank will give me my money back. I call back 3 weeks later to check on my claim to discover that they did not call the police that day at all. A week later my claim comes back rejected and I call the bank who then reopens the claim. The next day I receive a phone call saying my claim was rejected because they felt like I couldve canceled the transaction and left. I dont know how to cancel it and like I said one guy wasnt blocking the door. This kind of situation shouldnt even be happening and its the banks job to prevent crime from happening at the bank to keep our money safe. As you can clearly see my money was not safe that day. Also the bank shouldnt be saying what I couldve done when they were not in my situation and the fact is I was robbed at their bank location and the bank shouldnt have let it happen in the first place. The bank also shouldnt have employees who tell me that the bank will return my money and lie saying they called the police I also tried tried to file a police report and they told me that they dont think they will be able to catch the guys because its been a long time. The reason why the police wont even catch these guys is because the staff lied to me if they didnt lie and call the police they probably wouldve caught the guys. Also the bank should be at the lookout for suspicious activity. Wasnt it suspicious 2 guys were standing around your atm approaching a girl trying to use a machine. Before I got robbed my account was at {$400.00} how can you withdraw a larger sum of money {$880.00} when you havent even accepted the check yet. My account is now at a negative balance and they expect me to pay them. Its partially their fault my money is gone and they should accept responsibility.

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 2019-08-22 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: AR

Complaint narrative:
Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX  XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4XXXX XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: AR

Complaint narrative:
Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4.XXXX  XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.

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 2019-08-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMorgan Chase and Company may have attempted to divert some of the $ XXXX Consumer Relief/Restitution to home mortgage loans held by Chase for investment ; and, at the same time deny consumer relief/restitution to Chase-originated home mortgage loans serviced by others. XXXX XXXX XXXX was told that if she had requested mortgage assistance during the time that JPMorgan Chase Bank, N. A. serviced her loan, that she would be eligible for consumer relief from this settlement ; however, when XXXX XXXX XXXX produced proof that she had in fact requested mortgage assistance during the stipulated period, she was denied relief/restitution from this settlement. 
The XX/XX/2015 Status Update from XXXX XXXX XXXX, XXXX stated that : Loans held for investment JPMorgan Chase Bank, N. A. would receive relief ; while loans serviced by others would not be eligible for consumer relief under the $ XXXX Consumer Relief Settlement. This implies that an undetermined percentage of the 123,737 consumers who received relief this settlement were holders of Chase-owned mortgages, held by Chase for investment purposes. The Department of Justice was never given a list of the consumers receiving restitution ; thus, some or all of the $ XXXX of restitution owed to American owners of Chase-originated Toxic Mortgages ( e.g., XXXX XXXX XXXX ) may have been misappropriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i have tried to pay my bill for this account numerous times on the website. There website will not accept payments. I have attached screen shots.

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 2019-08-23 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 ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Credit Solutions LLC
State: TX

Complaint narrative:
My husband began receiving back to back calls from Global Credit Solutions in XXXX of 2019. When finally answering I was told I owed XXXX I immediately told the gentleman I would not pay because I have been scammed and that I wanted it in writing. He very disrespectfully replied I should pay my bills, and he used a lot of profanity. They began aggressively calling back to back. On XX/XX/2019 they called back to back a few times and after finally answering I told them not to call anymore. They replied that They was going to call until I paid. I attempted to resolve the debt and offered to send a check in two weeks when I get paid, but they  wouldnt give me the address. I called back and the recorders woman on the phone said the company was called XXXX XXXX XXXX and In every conversation I had with someone they was rude, disrespectful, wouldnt let me speak. My husband was called names, we was threatened to be sued, they stated they would send someone to our house, they stated they would call the police, I was told to pay my bills, and my husband was even called a XXXX   XXXX. My mother was headed home and was stopped by our neighbors who said they called them and gave them all my information about the debt and more. They know how much and who I owe. Which is completely illegal. I spoke with XXXX, XXXX, who told me to continue to suffer from them calling everyone, a XXXX who said he would continue to call even after I asked for them not to and asked for the email to send them my written request to not call, and a XXXX XXXX XXXX ID she said was # XXXX, who started yelling at me randomly. These are the names that have been giving to me although I do believe they are not their real names.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-23 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-23 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 ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2019 @ about XXXX. I called for an excess amount of interest charges of {$57.00}. 
I asked for a supervisor who's name by XXXX employee # XXXX said she could not help me with the problem and there was no one else I could talk to fix the problem. I payed the the full balance on statement due on XX/XX/2019 on XX/XX/2019 and a few weeks later interest charges of {$57.00} was applied. I have paid in full and been forced to close my Capital one credit card account. I have been paying excessive interest for 2 years and even after paying full balance I am being charged interest. I want an investigation on fraud interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 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: MD

Complaint narrative:
on XX/XX/2019 i filed an online dispute and a dispute via usps mail. the dispute is on a collections account for XXXX XXXX hospital - the collection company is XXXX XXXX - i filed the original dispute on XX/XX/2019 and XXXX XXXX did not respond within the 30 days set in law by the fair credit reporting act. 
as of the XXXX dispute XXXX XXXX was 75 days with no response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

on XX/XX/2019 i filed another dispute on this item for reason of " disputed company did not respond within 30 days '' this was a result of waiting 120 days for a response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

EQUIFAX XXXX COLLECTIONS -- NONE 1. XXXX/XXXX XXXX XXXX CFBP FORWARDED TO REGULATION DATA BASE - DISPUTED XX/XX/2019 XXXX XX/XX/2019 related to > 30 days no response to disputes. 

in accordance with the fair credit reporting act - equifax is required to remove this item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
The company name is challenge financial services my car was towed and I called the financial services so they would take the car out I didnt have money to pay back so thy took the car I didnt have the car then they wanted me to pay back a balance of {$2500.00} I was not making enough money to pay back so I didnt pay it back this was back XX/XX/2008 and now Im on XXXX and they are going to garnished my XXXX check and I can not afford to pay my bills and now is worse with the garnished of my check

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
{$210.00} was taken from my account for purchases I did not authorized I didnt realize my account funds were negative until I try to pay a bill and my card declined on XX/XX/2019 I called my bank to report and cancel card I filed a policereport and a identity theft complaint with the ftc I submitted my documents to American Express serve XXXX XXXX and they credited one charge for {$36.00} but denied any credit to my account with no explanation why when I call the fraud team the agent could not explain reason and transfer me to the regular customer service line that does not offer help with fraud I'm very frustrated I filed all legal documents and I'm denied my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 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 HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An unauthorized ACH debit transaction of XXXX was made from my savings account at chase bank on XX/XX/2019 and an ACH debit transaction of XXXX was attempted on XX/XX/2019 but failed due to insufficient funds. This is because my entire savings account had been wiped out. I had possession of my bank card at all times. 

I am currently outside the United States and did not notice this fraudulent charge on my saving account until XX/XX/2019. I also never received an email or warning on someone making such a large unauthorized transaction. I immediately called chase bank to report the fraudulent charge but I was told that they were unable to do anything and would need to " mail '' me a form that would need to be filed with their claims department before any type of investigation could be made. I tried to explain that I was out of the country and would required the form to be emailed instead but I was told that-that was not possible. I have since called chase bank on a daily basis and are still waiting to receive the form via mail.

Company response to consumer: Closed with monetary relief