vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I have applied for My Very first credit Card ( Discover ) thinking its a good way to start My credit history. I usually use of this Card for everyday expenses and mostly at XXXX. I have set auto payment monthly because i want to attain good credit history. And since I dont usually use this credit card, I just leave an auto payment per month. I rarely log in online and I have paperless billing option. Until one night ( XX/XX/2020 ) I received an email alert ( the Very first time since i have this Discover Card ), that My transaction was Declined. It was a XXXX transaction and I was shocked because I NEVER used this Card for any XXXX transaction. I only use My Debit Card. So i Logged in to My account and to My surprise, My bill was over {$3000.00} half of it was from XXXX transaction. I called right away and dispute these charges But Their decision was NOT on My favor. So i reached out myself with XXXX and they verified with me that I ONLY HAVE ONE CARD ON FILE, MY DEBIT CARD NOT DISCOVER CARD. So i called Discover again and told them about this, Few days later, I received a letter saying they can not do anything about it and they report this to the 3 credit Bureau. So, did getting a credit Card Help me achieve My goal to build a good credit history??? NOT AT ALL ... made it worst!! Wrong Choice of Credit Card company. 

In My opinion, Discover Card does not have a good security and protection for their clients most especially these transactions are almost like CASH transaction that needs increased security measures such as verifying the account holders TRUE Identity. I Will Never ever use this Credit Card again nor I Will recommend this. 

This decision made by XXXX Credit Card is XXXX. They also take part in this criminal and unlawful action. 

Thats why XXXX appealing to this agency to Assist me and investigate farther, something that XXXX credit company did not do. Please reach out to XXXX, look into My history .. and see if that relates to tge XXXX transaction that comes from this credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
This debt is not mine. Has been on my credit for years dispite as they say on my credit since XX/XX/19. Attached is a copy from all 3 credit bureaus. Ive written to the bureaus XXXX XXXXXXXX  XXXX and this company, THE BUREAUS, whom are the collection agency. I want to see a copy of a contract between the Bureaus and myself and I want to see my signature on it. If they can not give you this in a letter, then I want this off my credit. Attached is my USPS return receipts ive sent and a copy of my credit report as they are reporting it. They have not given me anything, nothing. Just reduction letters and nothing else. Remove immediatly, thanks The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thanks. You so much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I had a XXXX XXXX month to month membership in XXXX, XXXX ; there Financial Collector was ABC Financial. I had 2 debit cards on file then one was a XXXX XXXX Card. I left the gym in XXXX, XXXX because of being threatened, even though I told the Assistant Manager and left the Manager messages no thing was done they ignored the problem because the perpetrator was their friend. In XXXX, ABC Financial used a XXXX XXXX Card to steal money from my account even after the card was taken out of XXXX XXXX  data base ; they attempted to collect, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. What were they looking for ; they were trying to steal money that wasn't due. Several times they were successful in taking money ; there was time that they took the only money I had for groceries. 

Recently on XX/XX/XXXX, they called me on my cell phone from a scammer number, hung up. I called back because I was looking for someone to call me ; I heard a very loud bong ; a few minutes later my money was taken out of my XXXX XXXX by ABC Financial. Today, XX/XX/XXXX, ABC Financial used another scammer nunmber when I answered I heard a loud bong the same as the last time ; the person was saying I want to talk you about Social Security, I knew that it was time to hang up but I heard the bong  first. Laugh out Loud there was XXXX in my XXXX XXXX. I know they think I am XXXX  enough to keep putting money there for them to take. But this is theft ; the governmental agencies told me to call the police and file a theft charge on them. 

See, they didn't have my new XXXX XXXX Card numbers I just got this one in XXXX, XXXX so how did they get my money, " bong '' they stole it they hacked my phone and stole the money.

I called ABC Financial everytime speaking to different people over an hour asking for my money back nothing moved them. I talked to the people at XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1 ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I do not know who made requests, I did not give my personal information. I contacted the companies XXXX  we can not help you call credit organizations you will be removed hard request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NY

Complaint narrative:
as previously notified, I am a victim of identity theft

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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
THIS IS NOT MY DEBT! i have attempted to contact and dispute for years with no response from the company. i have asked for verification with no proof sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively effected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OUT TECH, INC.
State: PA

Complaint narrative:
BUR ACCT MGM XXXX Bureau of Accout XXXX XXXX XXXX PA XXXX Acct # XXXX {$1100.00} This account is not mine. I have written certified mail receipt attached. They will not show me a signed contract with my name on it with my signature on it. I was recently in the hospital and this information came up on my acct, and so now I know my information is being sold by this company to other companies. This infiltrates all kinds of Hippa Laws by doing this. Having this on my credit when it is not mine is agains the Fair Credit reporting act and the Hippa Laws act. Remove this immediatly from my credit, or show me this signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one Account Number : XXXX {$4600.00} Capital one has the above account list as a collection on my credit report. I am not aware of the full details of the charge from XXXX rental company. Ive contacted capital one and XXXX and neither have been able to provide me with an itemized bill. XXXX representative stated that the bill kind of matches a tow receipt the company charged me for but the system deletes every six months so there's no way of knowing exact charges. They have reported this to my credit bureaus knowing its in accurate and un accounted for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my 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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my 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 2020-10-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2020, I applied online for a short term loan with Speedy Cash ( in the amount of {$750.00} ). 

The online application offered me two options how to repay the loan - ( 1 ) Monthly or, ( 2 ) Bi-weekly. I selected monthly. It was my understanding that I was giving Speedy Cash authorization to withdraw One ( 1 ) monthly payment in the amount of {$210.00}. Speedy Cash online application gave the impression that there would be only One ( 1 )  withdrawal on the XXXX of each month. 

The first monthly withdrawal occurred on XX/XX/2020 in the amount of {$210.00}. 

On XX/XX/2020, Speedy Cash was not authorized, by me, to withdraw {$210.00} from my account. 

On XX/XX/2020, I contacted Speedy Cash numerous times to inquire why they prematurely withdrew funds from my account without my consent. In my phone conversation with Speedy Cash personnel ( XXXX, XXXX and several others ) I learned there was discrepancies and issues that I never approved. I requested clarification, but their response was uncooperative and vague. They gave me " the run-around '' and would not be forthcoming as I demanded information and answers. Further, I specifically requested Speedy Cash to email or furnish my online application of XX/XX/2020, to compare and verify that Speedy cash was in error. 

I would like to point out that Speedy Cash 's online application disclosure ( s ) were vague, misleading, broad and misrepresents a " Truth and Lending '' provision. 

For example, I sought to remedy and resolve the matter with Speedy Cash respectfully asking for a correction of the problem. To resolve the matter, I asked to be reimbursed my {$210.00}, since I did not authorize the premature withdrawal. I offered a solution to resolve my dispute, i.e., to withdraw One ( 1 ) monthly payment from my account on the XXXX of each month. Also, I gave authorization to Speedy Cash to make payment withdrawals once per month on the XXXX. Speedy Cash stated that I could not change the error, and therefore, I will be binded to two withdrawals each month - which I did not authorize. 

Finally, I am asking CFPB to conduct an inquiry into the business practices of Speedy Cash to ascertain whether they have violated Regulation Z and the Truth and Lending Act, which protect consumers under 12 CFR 1026. 

Please keep me informed to the status of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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:
as previously notified, I am a victim of identity theft

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 2020-10-06 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have disputed a collection account on my report numerous times over the period of at least 8 years. The company reporting the account has no information or accurate records that the account is mine and fails to remove the account. They also continue to readjust the date the information was " opened '' on my account. Not only is the information incorrect, the account is not mine, they can't prove it and never have, but it should have been removed from my report a couple years ago but they keep reporting it. When I have disputed it and they have sent a copy of their " proof '', all they send is a one sheet " account summary '' that doesn't show any proof that the account is mine. No signature of mine, no proof of any kind that the account ownership is mine. I am using this as a last XXXX  attempt to have the information cleared from my account before taking this matter to the courts for violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding XXXX XXXX XXXXXXXX XXXX SC XXXX Acct # XXXX Reporting to XXXX   {$960.00} This Debt is not mine. Attached is Certified Mail Receipt of yet another letter asking for a contract with my signature from their firm.. Not some made up bill, not another just pay this letter ... ..If they can not show us a contract between me and LVNV Funding with my signature, then this must by law come off my credit. Ive written over 15 letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
I have made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.

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 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Reported Inaccurate items on credit report. I have disputed items several times and asked for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
I have made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.

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