vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 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: NJ

Complaint narrative:
transunion are reporting false information. The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX  XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE ONE XXXX XXXX XXXX with a XXXX balance.

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 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Hello CFPB rep please find below, On or about XX/XX/2020 XXXX CST Portfolio Recovery contacted me about a debt owed previously by another company of XXXX credit card keeping in mind we are under a national emergency and a state emergency across the USA with COVID19 virus trying to collect a now third party debt as Portfolio Recovery address XXXX XXXX XXXX XXXX VA XXXX Are u kidding me this should be a lawsuit against said company in their blatant attempt to collect a  uncollectible debt under the FCRA being sold by original creditor and this has been also reported to the XXXX and MAG Missouri Attorney General for review but CFPB consumer financial protection bureau must also investigate and enter findings under current national status and pandemic protect ur citizens of the USA immediately ty for your attention and understanding in this matter this did occur on the above said date and time while people are unemployed and FEMA SEMA working with citizens to recover

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NIC, Inc.
State: TX

Complaint narrative:
My daughter was seen at a XXXX XXXX urgent care clinic XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX. We received a bill on XX/XX/XXXX for a {$30.00} copay which was paid that day through the website listed on the bill. On XX/XX/XXXX I received a collection from Nemo 's  Investigations and Collections XXXX XXXX XXXX XXXX AZ XXXX claiming to be collecting on behalf of XXXX XXXX XXXXXXXX XXXX demanding the {$30.00} payment with {$0.00} interest and claiming that my debt will be reported to the crediting agency if I do not pay. I have attached my receipt from payment as well as the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have secure credit card open with XXXX  XXXX 2012, the collection agency reporting the amount that I pay to open the secure credit card, I ask for the last few years, both the bank and the collection agency to send me the contract and both said they don't have it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been disputing the inaccuracies on my credit report with all three credit bureaus. There are two items on my credit report that I have no knowledge of and, I would like to know how to have this matter resolved. I also disputed directly with the furnisher and they did not provide me with the correct information to validation the debt

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 2020-03-24 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX  cancelled the repayment agreement. 
XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
This company hasn't shown anything valid that states I owe this debt. There's no agreement, no signatures, or anything that states I owe this debt. They bought an alleged debt from XXXX XXXX for pennies on the dollar with NO validation that I even owe this. They are attempting to tarnish my credit worthiness for a small profit. It's ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Hello CFPB rep please find below, On or about XX/XX/2020 XXXX XXXX XXXX XXXX contacted me about a debt owed previously by another company of JCPenny credit card keeping in mind we are under a national emergency and a state emergency across the USA with COVID19 virus trying to collect a now third party debt as XXXX XXXX  address XXXX XXXX  XXXX XXXX VA XXXX Are u kidding me this should be a lawsuit against said company in their blatant attempt to collect a uncollectible debt under the FCRA being sold by original creditor and this has been also reported to the XXXX  and MAG Missouri Attorney General for review but CFPB consumer financial protection bureau must also investigate and enter findings under current national status and pandemic protect ur citizens of the USA immediately ty for your attention and understanding in this matter this did occur on the above said date and time while people are unemployed and FEMA SEMA working with citizens to recover

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 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have secure credit card open with capital one 2012, the collection agency reporting the amount that I pay to open the secure credit card, I ask for the last few years, both the bank and the collection agency to send me the contract and both said they don't have it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: NJ

Complaint narrative:
On XX/XX/2020 I submitted a dispute thru CFPB about the reporting of an account by Equifax Credit Bureau on XXXX XXXX. Equifax confirmed receiving the dispute on XX/XX/2020. The investigation was completed on XX/XX/2020. This investigation took a total of 44 days. According to the New Jersey Fair Credit Reporting Act, The Federal Fair Credit Reporting Act and a statement by Equifax the LAW states that the investigation must be completed in 30 days or the account by XXXX XXXX must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: DISCOVER BANK
State: FL

Complaint narrative:
On or about XX/XX/2019 I lost my Discover Credit card. Someone found it and made charges using it on XX/XX/XXXX & XXXX XXXX. There were 9 charges totaling {$980.00}. I immediately filed a fraud report with Discover. They " investigated '' and denied my fraud claim. I appealed and they sent to me a fraud affidavit that I filled out and signed. We have been going back and forth on this since XXXX. The charges were not made by me or anyone with my knowledge or permission. I wrote to Discover and informed them that these charges will not be paid and that I am filing my complaint with the CFPB. Their response was basically " so what ''. I refuse to pay for charges that do not belong to me, yet I have good credit and want to keep it. Can you please help me with this matter?. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
To Whom This May Concern ; Someone opened up a TARGET Credit Card in my name. They have my Social security number as well as other important information about me. The card was opened on XX/XX/2020 on line. The TARGET store is located in the XXXX XXXX in XXXX on or by XXXX XXXX. The credit line was {$1000.00}, but only {$100.00} was available and put into the person 's mobile wallet to use. They used {$67.00}. I have NEVER APPLIED for this type of card at this store. I have spoke to a XXXX and a XXXX at XXXX This number is to the TARGET Credit Application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX cancelled the repayment agreement. 
XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX was informed by phone call that the underwriter wants to move forward with the foreclosure sale. Policy is policy. Informed bank representative that we are in bad times amidst the Coronavirus and massive layoffs. I was told that this is the underwriters decision and it is final. Policy is policy. Despite informing them that my father had deceased in the middle of loan modification, and this was beyond my control. I was informed again its the underwriters decision and the underwriter is the ultimate decisions maker. Basically admitting that the underwriter is more powerful than cfob, the president, the office of the comproller if currency. This led to the worst day of my life. Led to increased XXXX XXXX and I was enroute to the hospital. I wrote bofa urging them to take this issue seriously, rather than take advantage of tough times. This is the lowest form of ethical behavior. Please forward this issue to a Senior manager. I will get complaint to the President if the United States. I believe in the rule of law. I believe this can be modified and restructured due to devastating circumstances beyond my control. Thank you

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Fortiva charged a {$36.00} late fee to my account on XX/XX/2020. My payment is due on the XXXX  and it WAS PAID on the XXXX  but they refuse to correct it. I asked for account closure and they complied, however their mistake caused a 51 point drop in my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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:
A XXXX XXXX ACCOUNT WAS PLACED ON MY EXPERIAN, XXXX AND XXXX   CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, EXPERIAN, XXXX & XXXX CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.

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 2020-03-24 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: NV

Complaint narrative:
I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXXAuto Loan-opened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Account SYNCB/PPC WAS OPENED XX/XX/14 BALANCE TOTALLING XXXX HAS BEEN REPORTING TO MY ACCT. i NEVER HAD ACCOUNT WITH THIS COMPANY. i HAVE DISPUTED INFORMATION WAS POLICE REPORT MULTIPLE TIMES, IT CAME OFF AND THEN 2 MONTHS LATER WAS READDED TO MY CREDIT PROFILE. THIS ACCOUNT WAS FRAUDANTLY OPENED UNDER MY NAME AND INFORMATION

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 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recover Associates have failed to validate debts that they have reported to the three major credit bureaus. Yet they have not removed this erroneous, unvalidated debts from my Credit reports. Because of this, there has been highly negative impact to my personal credit report. 

On the XXXX of XXXX I contacted Portfolio Recovery through certified mail requesting the following to information in an attempt to validate collection accounts What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To date this is my second correspondence with PRA and  they have yet to respond with anything substantial that validates the debt and allows them to keep reporting erroneous information Accounts reported XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Please refer my earlier complaint ( XXXX ) about this credit card on XX/XX/XXXX. At that time also this company closed my credit card account for no reasons. After complaint to CFPB they reopened my account. 
Now on XXXX XX/XX/XXXX - they closed my card again. 
I have a credit score of XXXX. Their reasons are weird. It brought down my credit score also. I was provided no notice or warning before Barclays did that. Tried calling Customer service XXXX twice - very very long wait time. After successful verification, call getting disconnected. 
XXXX is a usual offender and nothing can be done against this hopeless company. 
In the COVID-19 outbreak - what this company think that i go out on shopping for their credit card? They are inhuman

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 2020-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Im writing as Ive had a line of credit that dates back to the original line of credit with Washington Mutual. Since then the monthly loan payment has increased and with a fluctuating interest rate. All payments apply towards interest only and the loan will never be paid as the payment is never applied to the payment. My mother who had a stellar credit score now  has a poor credit score because her payment has increased to a level that she can not pay on time, barely scraping by each month. She has applied for a modification twice and Chase has denied her. This is the reason the real estate market crashed years ago! This loan is out of control and I think Chase is ripping off my XXXX year old mom, keeping her in a loan that has gone bad with no way to get out or pay off!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have wells Fargo XXXX XXXX XXXX card ending in XXXX. 
It has cell phone loss and repair protection plans. I am using this card to make payments for my monthly wireless bills. During XX/XX/2019 - I lost my XXXX XXXX phone. 
I reported this incident to this credit card company - some loss prevention program etc ... 
Till now i haven't got money for the cell phone that i lost even after doing all the paper work.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XXXX, XXXX, XXXX XX/XX/2020 American Express charged me {$5000.00} in prepaid annual fees for the upcoming year of 2020. On or about XX/XX/2020 American Express terminated my credit card, refused to refund my annual fees and kept my {$10000.00} in plane ticket rewards. After speaking to XXXX XXXX, rep for amex, XXXX ext XXXX she explained to me she didn't like my XXXX videos I made, exposing ways to receive their hard to get credit card. She also said she did not like the fact I sold my additional user on XXXX. I did not violate any terms in our user agreement. Before selling my additional card on XXXX I asked a Amex rep if I could give anyone I choose my additional user card and they said yes. I then received a letter from her saying the reason they terminated my credit card was, I violated the terms by using it to buy personal items. I did not violate the terms. I had saved my reward points for 15 years and they were worth one $ XXXX in plane travel. I feel I have been unfairly taken advantage by American Express. I have called many times and wrote a letter to try and get a resolution to this matter and have been unsuccessful.

Company response to consumer: Closed with explanation