vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I tried to open another online bank account and this bank checked my history with early warning with XXXX XXXX, XXXX XXXX  is showing my Account as Overdrawn and pending closed which is not true. I need XXXX XXXX  to correct this. I have no idea why XXXX XXXX  is showing this when I always had good terms with them, this is disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a citibank checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct 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 2020-01-27 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I had a XXXX checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank/JcPenny # XXXX ( PARTIAL ACCT NUMBER PER DOCUMENTATION ) Account was sold to attorneys at law XXXX XXXX XXXX, PA, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. XXXX. I was never notified this account was sold to this lawyers office. XXXX threatened to sue, with filings in place with small claims court in XXXX, In. There was {$350.00} paid to this attorneys office for this account. I never intended a refusal to pay, however, this account was removed from my credit when sold and placed back on my credit once XXXX stopped trying to collect. i stated to representative at attorney office this account was never signed nor acknowledged going to their office. The {$350.00} was paid directly to the lawyer office per money orders. I was told the acount would be removed, however, its back on my credit and released back to original creditor, Synchrony bank c/o JcPenney Card Svcs.

I have reaced out to JCPenney and the original documentation could not be found.

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 2020-01-27 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: CO

Complaint narrative:
Ongoing problem since XX/XX/2018, financial institution still says charges are mine after I have filed a police report and followed all of their requirement protocols and steps. They keep changing the contact person on my case, the group I interact with, and now they won't respond to me at all. I even wrote a letter to the bank president, XXXX XXXX @ Chase Bank, and no one has responded. 
Date my card was used fraudulently on XX/XX/XXXX, twice, at two different XXXX XXXX locations, totaling {$590.00}. 
I rarely shop at XXXX, and they failed to look into my account history to see that. I have had this credit card for years, and this customer experience has been absolutely awful. Their last suggestion was to call the stores in question and request the camera surveillance recording - which was impossible since over a year had passed before Chase made that suggestion and stores don't typically keep recording tapes beyond a week or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Recently tried to open an Account with XXXX XXXX  and chex systems reported all the wrong information to XXXX XXXX  and XXXX XXXX  didnt open my Account. it is showing wealth index as " XXXX '' when I do own a property and I do have substantial amount in my Bank Accounts. Chex system is not transparent and showing wrong information to the banks. I have excellent reputation with all the Bank and do own wealth. Chex Systems is a fraud company and should be closed.

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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
U.S. Collections West has attempted to say I owe them {$1900.00} after receiving a letter dated XX/XX/2020. I received a prior letter dated XX/XX/2020 stating I owed {$1300.00}. I have attempted again multiple times to contact any representative from this company with no response. I have recieved a signed copy of " satisfaction of judgment '' from XXXX County Justice Court dated XX/XX/2020. This information was sent via email to the company with which no response was received. This company 's multiple attempts to say money is owed when it is not is clearly a violation of the law and shows the clear fraudulent behavior this company and its owner XXXX XXXX are willing to participate in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have contacted Discover 4 times over the past 2 months regarding and issue with my credit report. 

I am showing late 30 days on my credit report on XX/XX/2019. 


I have sent numerous emails and letters to discover asking to remove this late reporting as it was at fault of discover. 

I got a call on from discover stating they received my complaint and the late reporting would be removed and now its been 3 weeks and I have received not email or letter promising this removal. 

Discover is now ignoring my emails as you can see in the attachment. All I am asking is discover remove this late reporting or I will be forced to sue discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: IN

Complaint narrative:
Synchrony Bank / GE Care Credit # XXXX, was sold to attorney office against my knowledge in 2018. XXXX XXXX XXXX, PA ; ATTORNEYS AT LAW, held the account and filed court proceedings in the state of Indiana Small Claims Court. The care credit was removed from my credit once placed with attorney office and all of a sudden it reappears on credit report. I asked the lawyer, how did they get my account, when I had no knowledge of account being sold.

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 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I had a dispute with XXXX regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXXavalry Collection Company to appear in court for an excessive amount & I requested a list of all charges & I have not received same. Cavalry Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-27 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a dispute with Citibank regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXX XXXX XXXX to appear in court for an excessive amount & I requested a list of all charges & I have not received same. XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO

Complaint narrative:
We took out a loan for close to {$2000.00}. After making the first 3 payments totaling around {$400.00} as scheduled ( they were auto deducted ), the principal balance was higher than the original balance. I explained to them that this could not be the case and showed them all payments cleared on time as scheduled. Refused to make any more payments till the issue was fixed. If i kept making the planned payments, the balance would have continued to rise. 
Now I'm getting several threatening phone calls a day from a company called XXXX and XXXX claiming a legal matter. I returned their call and requested they do not have my consent to continue calling and any further communication should be in letter form. They continue to call, which I do believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PRA PORTFOLIO IS FALSELY REPORTING INFORMATION FROM XXXX  XXXX. THEY ARE REAGEING MY ACCOUNT. I HAVE SUBMITTED THE INFORMATION FROM XXXX  XXXX. THERE ARE PORPOSELY ADMITTING INFORMATION AND DEFRAUDING ME AND LYING TO THIS GOVERNMENT ORGANIZATION. 


Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score.

Do not ignore any evidence of account re-aging.

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Every ballot box has an option to make an overt choice, either yes or no or to choose a candidate or candidates but NO SELECTION MEANS NO CHOICE. However, in your Capital One webpage paper or paperless selection, you dont provide that opportunity. NO SELECTION IS A CHOICE. You all need to correct this page because it exposes your bias to get customers to choose PAPERLESS when we have the right to have an equal opportunity to decline PAPERLESS statements. 

That fault in your selection page underlines the flaw and inherent weakness in allowing computer programmers to ultimately design your webpages. It is because in this instance, they are thinking bit ( 1 ) and bit ( 0 ) when that is not the way non-programmers and the general public ( your customers ) think. 

If you had put this webpage before a focus group, which you conveniently did not, they would undoubtedly prefer a webpage design that offers the opportunity to make a convert decision to either choose paper or paperless, and not a design where NO SELECTION is the " paper '' option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TX

Complaint narrative:
fair credit bill act violations XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( fair credit bill act ) or ( FTC ) violations {$1600.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( hippa ) violation {$1700.00} all inquires ftc violatons XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Collections Attorney Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX I Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX SER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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 — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
After receiving my personal credit report from Sagestream LLC I submitted a statement asking if in the notes it could be put that one of my accounts was closed due to fraud. I followed the company 's procedure and sent a secured fax and gave a deadline of XX/XX/2020 XXXX XXXX est to respond. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I bought items on XXXX  using the syncrony bank card. I used the 6 months /interest option. This was in XX/XX/2019. I ended up with promotional balances due in XXXX, XXXX, and XXXX. Throughout my payments they were allocatting money toward the XXXX and XXXX promo balances and overall around 600.00 was allocatted toward XXXX and XXXX instead of the XXXX balance which was due first. I started calling them in XXXX to complain and each time they said it was fixed and it would take up to 2 business cycles to correct. Now here we are and it is XXXX and my promo balance due in XXXX is almost 600 more than it should be. I have been talking to them 2 hours now and still not fixed, even though XX/XX/XXXX it was supposed to be fixed. i feel robbed am am facing major interest penalties. what can i do.

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 2020-01-27 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: NJ

Complaint narrative:
Hello as you can see I keep my credit good. Collection agencies put information that belong to me. I contacted them but they refused to listen to me and called my job. Its weird how they all did the samething. please remove this from my credit. its not mines XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$780.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} XXXX XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$55.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported :XX/XX/2020 {$1100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$780.00}

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 2020-01-27 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Us asset management hasn't given me proof that I owe that balance, they have no contract with my name on it, I am XXXX and I have no recollection because they need proof that the debt belongs to me and they haven't proven anything, I don't owe the debt., that is why I am not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX yr retired XXXX..I loss my housemy car and my job from having a XXXX at work ... 
I can not get an apartment or a car or job. I've asked them for my file they will not send it ... I was told my credit was breached but when I sent an account they refuse to erase that information. 
Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation