vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2019 To Whom It May Concern, Today I became aware that fraudulent charges of {$660.00} were placed on my XXXX XXXX Comenity Bank credit card on XX/XX/2019. The charges are {$310.00} and {$310.00} and a late fee of {$27.00} and a finance charge of {$15.00}. 

According to " XXXX '' the XXXX XXXX Manager in XXXX NV, ( XXXX ) XXXX, NO purchases or orders were made in 2019. 

I called Comenity Bank customer service XXXX XXXX XXXX XXXX and spoke to 'XXXX XXXX. She directed me to the fraud line XXXX XXXX XXXX XXXX where I was placed on 'hold ' with no call back feature. 

I sent emails to the Comenity Bank company through the credit card website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GreenSky, LLC
State: NV

Complaint narrative:
The problem with Greensky Financial or Greensky LLC has been ongoing since last year, originally the company opened a line of credit that was not asked for or authorized, I only asked that my credit be checked to see if I would be preapproved, this should have been done with a soft inquiry, not a hard inquiry, this matter was reported to the XXXX and the Attorney General 's Office, the company told XXXX  that they would close the account, the company did not respond to the Attorney Generals Office, this year on XX/XX/2019 Greensky placed another Hard Inquiry on my credit report, I did not contact the company inquiring about credit, the company said that they would close the account and not make any more inquiries last year, I made another report to XXXX  and filed another complaint with the State Attorney General 's Office of GA ; on XX/XX/2019, I faxed proof to the company from XXXX listing the hard inquiry done on XX/XX/2019, the company continues to say that they did not make the inquiry despite proof stating otherwise, I disputed the hard inquiry to XXXX and the inquiry was removed, Greensky did not remove the inquiry because XXXX  removed it. I asked the company to stop calling me in my fax on XX/XX/2019, today, XX/XX/2019, XXXX called and left another voicemail asking to call her, I have spoken with her twice, I have returned both of her calls, my continuing to return the calls from the company are pointless, I asked the company to mail any information pertaining to this matter via certified mail, I advised the company yesterday, XX/XX/2019 that their continued phone calls and attempt to lower my credit score are acts of fraud, harassment and the entire matter would be turned over to my attorney, despite this, XXXX called again today, this is not only harassment, this is an attempt to defraud a vulnerable senior citizen, this has caused undue stress, anxiety and is costing me time and money to report these continued provocations. I want this company to leave me alone, close this account and make no further attempts to lower my credit score on an account that was fraudulently opened in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Gentlemen, I have been trying my best to raised my Credit Score. Lately, When Refinance my 2 Vehicles From XXXX XXXX  and XXXX XXXX XXXX XXXX. With the XXXX XXXX XXXX XXXX recently in about a month. And My Credit Score was at XXXX With the XXXX. And my former vehicle account was closed and my new vehicle refinance loan showed on my credit report. However, The Equifax gave me a score of XXXX and the XXXX was XXXX all of this was the result of my refinancing loan. They never factors that my balance was going down. Infact, One of the Vehicle Loan I co-signed for my son at {$550.00} a month also with XXXX XXXX XXXX XXXX. My son XXXX XXXX. Who is a Member of the XXXX XXXX XXXX. Had been paying his Car loan for the Past 4 years and has only XXXX plus left over. And they should take-off the account after the 12 months period my son was paying for his car. They can verify with XXXX XXXX XXXX XXXX. That my son is the one paying for the car loan that I have co-signed for him. And their poor evaluations of my Credit Performance.  Affected my ability to get a better rate In shopping for for Home Purchase with the XXXX XXXX  as well the XXXX XXXX. I want these ( 3 ) Credit Bureau Reporting agency. To correct my score and provide me a copy of their recent adjustment to my Credit History report. I do hope, They will heed your Good Office and provide the New Credit Report ASAP. Thank You very much for your Immediate actions on the matters and Considerations. Sincerely, XXXX XXXX. XXXX XXXX Home Adress : XXXX XXXX XXXX, XXXX. AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I have been doing my own investigation into XXXX XXXX and their practices. I have found that I am being targeted by them and want compensation in the amount of XXXX per year that I been targeted. I sent in an identity theft packet to XXXX XXXX  in XX/XX/XXXX. XXXX did not respond to identity theft and turned my account over to Brock and Scott. Brock and Scott then obtained a garnishment against me and continued to go from county to county trying to garnish my wages. I recently filed a complaint against Brock and Scott and NOW XXXX wants to send me a packet about the identity theft. I have already furnished this information to them and this prompted me to start an investigation of my own. I pulled my credit reports to see that not only has Brock and Scott been pulling my credit file sometimes twice in one day so has XXXX. On XX/XX/XXXX Brock and Scott pulled my credit twice and on XX/XX/XXXX XXXX pulled my credit. This is on a XXXX report dated XX/XX/XXXX. Why if Brock and Scott are representing XXXX are they both pulling my credit? I want compensation for the 5 years that this has negatively affected my credit and for the embarrassment that has been caused because of this garnishment. I also want letters from both companies that this issue is settled and that no further irritation will be caused to me. I am a victim of Identity theft and should not be going through this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I purchased my home in XX/XX/XXXX from XXXX XXXX XXXX. Years later XXXX XXXX XXXX purchased XXXX. My loan was paid off with XXXX. We even paid 2 payments in one month to reduce mortgage by 10 or 15 years. 
I started receiving letters from XXXX saying they had my mortgage, years later XXXX company. These people took over the loan around XX/XX/XXXX. They are extremely deceitful. They lie about payments not being made, when you see the payment on my bank statement. They add 2 or 3 different late payments in one month. 
I am sure my home is paid off so I do not know why I am making these payments. On XX/XX/XXXX I received a letter from XXXX saying they transfer my loan to SPS company. This is a Portfolio Company. These people have been harassing me by calling my home at least 12 times a day. When I answer the phone they hang up. I am making payments to them. They are saying that they are going to foreclosure on my home after XX/XX/XXXX if I do not make this ridiculous payment amount. 
First of all, I am not late with any payments. SPS was sending false information to the credit Bureaus regarding late payment status when I was not late and they said even if people were late they wouldn't provide any negative information before 60 days has passed. However, this still did not apply to me.. 
I also found out that XXXX still owns the loan. I XXXX reviews on XXXX and SPS and they both had 1000 's complaints. All of them familial to mine. 
Please help me with this serious issue. 
These people have added over hundreds of thousands of dollars being fraudulent and corrupt. 
Please I beg you in God 's name, help me with this fraud. I need to know what to do. I want to sue them because they have stolen from me and are threatening to take away my family home. I am broken emotionally and physically. 

Why would someone to this to anybody. 
Please help me. 

Respectfully Submitted, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Apparently, I was to appear in court on XX/XX/XXXX ... I never received any type of notice in the mail, nor was I ever contacted by the original complex about a court date. The paperwork I received in the mail is dated ( by stamp ) XX/XX/XXXX, however it is signed and sealed bybthe justice of the peace on XX/XX/XXXX. 

I have NEVER received any type of notice EVER, until the day I got a letter from my employer explaining theybwere going to garnish my wages, for an unknown amount. This amount totalled around {$1300.00} which when paid in full, totalled a little over {$1400.00}. I recieved a letter from my employer after a few weeks saying the debt was repaid. 

Now, several weeks later, my place of employment is receiving phone calls, and saying they're aaking about me, and I recieved a letter in the mail today explaining how my last payment satisfied the debt, however there is still a balance of {$2300.00} from the original complex, prefixed by the statement : " As you know, there is still a balance due ... '' I do not know. Ive very scarcely neen contacted about this matter, and all of it as of late, in XX/XX/XXXX, about this debt from XX/XX/XXXX, and I believe a great deal of that is due to the incorrect spelling of my name on EVERY document ever received by them. 


Im confused as to what exactly is/was owed, what has been paid, and what action if any, I can take. I have never recieved any calls from anyone about this matter, only letters as of late. It also appears the second amount is including damages, of which there were none, as well as a rent charge for the month of XX/XX/XXXX, whereas a notice to vacate was enacted on the XXXX ... Lastly, I would also like to know the status of my co-signer, and what his role in this is, as he signed with me, declaring financial responsibility overall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: PA

Complaint narrative:
On XX/XX/19, I received a notice from Experian that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX XXXX  is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX XXXX   existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX XXXX  claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX XXXX  who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although Experian brought this to my attention, Experian, XXXX and XXXX are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX XXXX is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.

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 2019-08-29 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: NY

Complaint narrative:
Incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I called into TransUnion to Explain that I that have been a VICTIM of their inquiry issue The following inquiries have been placed on my TransUnion report in error. 

XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I that have been a VICTIM of their inquiry issue The following inquiries have been placed on my TransUnion report in error.I need these inquiries that have been placed illegally off my report. 

XXXX 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
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019, I opened up a checking account with TD Bank. If I met certain requirements, I would receive a {$300.00} bonus. This was an offer where you needed to open the account online. When I tried, I couldnt so I called. The representative on the phone implied that I may have had an account with TD in the past ( which I didn't ), and transferred me to someone else who confirmed that Ive never had an account with TD. He then transferred me back to the department that could open the account, but also gave me the option of going in a branch and opening the account. I asked would I still be eligible for the bonus and he said yes. So I went into a branch and opened the account. I confirmed with the banker that I would be eligible for the bonus even though I was opening the account in the branch. To my understanding, the bonus was to be deposited into the account no later than 95 days after the account being opened. When I hadnt received the bonus, I called customer service and a lady said that she would email another department and to call back in a few days. She also suggested going into the branch. So I went into the branch and the banker said a manager would give me a call. I never received a call. I called customer service 1 or 2 more times and the customer service never received an email back from the lady that sent it. The last time, a representative said that the requirements were that it would be deposited to my account within 120 days of opening the account. I didn't believe it was 120 days, but I said I would wait to see what happens. Today is the 121st day and I haven't received the bonus so Im filing this complaint because I don't think I will get anywhere trying to speak with TD again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Overton russel doer and Donovan have submitted claims to the credit bureaus that arent real. There a many that are the same exact amount. They just keep creating a new acct based on the original, killing my credit. This is unfair and unconstitutional and attempts I have Made to dispute have been futile. I am A person with a XXXX and I deserve to be treated just like any other person. I want To pay my bill. Just not 20 versions of the same bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to Credit Corp Solutions. 

In XX/XX/XXXX, I paid Credit Corp Solutions for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and Credit Corp Solutions assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, Credit Corp Solutions refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
Back in XX/XX/XXXX I received a collection letter stating that I owed money to US Bank, I did not because I had a current account open with US Bank. After the hassle with the Bank correcting the issue I closed my Bank account in XXXX with a XXXX balance. 11 years since this issue was resolved I received a collection letter XX/XX/XXXX stating I owe US Bank Money.  XXXX XXXX XXXX XXXX calls me 3 times a day after speaking with the agent telling him that I do not owe any money and this is the first timing hearing from them. He degraded me saying what kind of person are you that doesn't pay what they owe. I told him to send me a letter with the information of his claims, I did not agree to anything over the phone or in writing, stating I only had one account with the bank and closed it 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 2019-08-29 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A MESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief