vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: CO

Complaint narrative:
When I contacted Discover Card regarding a refund from XXXX XXXX for bait and switch tactics they were at first very nice and cooperative and sympathized with me. Then they decided the opposite and went against me and then claimed they were no longer a credit card company but a " document company '' and thereby reversing my refund. XXXX has bribed Discover to never allow refunds, which is legalized theft. Bogus " credit '' with an airline simply is a lie as I have shown Discover and they continue to ignore the theft. Keep in mind I'm being punished for NOT allowing myself to be stolen from hence the cancellation of my trip when the price kept going up and up and up for no real reason so I just stopped the whole transaction and have to pay them for nothing and their claim of a credit is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
This is a 2nd notification that I've received from Telecheck Recovery Services that I owe {$500.00}. I've spoken with my bank reps, and was informed their banking records indicate no such transaction ever took place. Also, I didn't visit the XXXX XXXX on XX/XX/2021. I've disputed this with TRS, and they insist on me filing fraud papers. Once again, this transaction never took place. As a result of this false information in my record, I've been embarrassed, as any check that I present to a retailer is being declined due to this information in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Service Finance Holdings, LLC
State: NH

Complaint narrative:
I have called service finance company multiple times throughout the past year and a half if not longer regarding their past due fees. Over the course of the past month and a half two months I have paid what I was told would bring my account current and would be paying only {$120.00} a month by a female representative a month and a half or two months ago. After making the necessary payments over the course of time Im still getting what shows on the statement as past due fees. When my monthly amount should be only {$120.00} and they keep trying to throw this language and terminology around that is a bunch of bull.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report has a bankrupcty that belongs to my dad on my credit report. i disputed it directly with the bureaus but they claim it was verified to be mine. Me and my father have the same name and same address. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had a XXXXXXXX XXXX XXXXXXXX Credit Card, I had to file a bankruptcy and out of the XXXX XXXX reported to Equifax that I was Deceased. I have pulled other credit reports and XXXX is listed but only reported to Equifax that I was deceased. I contacted Equifax and that is how I found out. I did what Equifax asked and sent them information. I also sent the Information to XXXX. Each time I contact Equifax it ends up with me getting so upset -- first they said they received the paperwork and I believe they did as they started reporting my credit for a week or so. Then they were back to not reporting. So I called again and they said that XXXX had once again reported me deceased and they were reporting it monthly. I went round and round with Equifax and they keep me temp locked out of my account -- I filed a dispute like they told me but then can't get back in to check. Each time you call them you get a different person and they all say different things. I have talked with XXXX and they helped me out after I sent paperwork. I have messages in my XXXX account where they said they sent the info to Equifax in XXXX of 2021 and yet Equifax ( XXXX ) told me just yesterday they have not received anything from XXXX -- but then again he told me that I never sent them anything either -- but I did. He was of no help, would not even try to get me online to my account, it ended up badly with me cursing before I hung up. I called back today and got a woman, I could not understand her and she would not repeat her name. She said she would start a dispute for me over the phone after she got me signed back into my account. First of all she had the e mail wrong -- not sure how after they have sent me stuff forever but today magically it was wrong. When I corrected her she then said that she could not let me in the account as my e mail was registered to XXXX ( XXXX ) but I told her it is not, I had this e mail way before I was married to XXXX -- we even went online to double check that somehow he was not attached to it and he is not -- all info is in my name -- the account was made years ago. Then she went on to say that the Equifax account was also in XXXX 's name -- it is not. I made the account to deal with this issue. I keep getting the run around. I complained to the XXXX  and Equifax came on with the same ole same ole saying that I need to call them or to sign in online -- neither of those help and I have called multiple times only for them to say I have not called and I still can not get online. I just want Equifax to check this -- all the other credit agencies are reporting my credit correctly -- XXXX has reported to them and I do not see anyplace other then Equifax that it says I am deceased. I believe that Equifax got the information from me and XXXX but for whatever reason they are not fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased two XXXX. Cashiers checks XX/XX/2017 from Wells Fargo Bank. I was told that the checks didnt not expire nor is there an expiration date written on the checks. Approximately one month ago I tried to cash the checks and was told that Wells Fargo no longer had the funds and that the money was sent to a lost funds account. I have spoken to several bankers and was directed to different websites with no such luck of locating the money. The final straw was today when I was ask what do you want us to do? in a very disrespectful tone by XXXX at the 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 monetary relief
Consumer complaint received 2021-08-03 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: FL

Complaint narrative:
Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX does not show any bankruptcy on my credit file. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials.

Equifax still shows over 24 false/not authorized credit inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have these items that does not belong to me and i want them to be removed from my credit. 

XXXX  1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX  1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft COMENITYBANK/VICTORIA Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Account locked and under review. Not able to trade, or withdraw funds. Has been at this status for several days with no warning, explanation or update provided. Support case and complaint raised - case # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC
State: WI

Complaint narrative:
Called from XXXX company called Capital Link Management in NY. Called my business line and left a very threatening message that they needed to talk to my attorney today, blah, blah. Very rude tone of voice and trying to " strong arm '' someone. I called back and it was for a debt for a person not at this number. Then they thought they were cute and started asking if I knew this person, etc. I don't want them calling my number again. This is a business and I don't have time to waste talking to bottom feeder bill collectors. I do not owe them any money.How is it even legal when my voice mail message clearly states this is a business?? Isn't leaving random messages for debtors on unknown phone numbers a violation of the FDCPA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Todd, Bremer & Lawson, Inc.
State: UT

Complaint narrative:
Around XX/XX/XXXX I found out I had a collection for my XXXX XXXX  student loan reporting on my credit so I hired XXXX XXXX to help me speak to them and resolve the account. 
I was unaware of this balance since my father used to help me with this loan in the past, I've moved several times and I don't have access to my student account. 
Regardless, XXXX and I have been in communication with them since I found out about it and have been working on a reasonable settlement to close this out. Two collection agencies and 4 months later we finally reached a settlement and I have requested for this collection to be deleted once it is settled in full because I never received a bill, collection calls, or collection emails about this account. I did not have a fair chance at paying this prior to it going to collections or reporting on my credit which is against FCRA. I'm taking responsibility for the debt and would just like it deleted once they get their money back. 

XX/XX/XXXX I spoke with XXXX ( Supervisor at XXXX XXXX XXXX  internal Collection Dept ) and she states that they did in fact receive returned mail so they were well aware I did not receive the bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: CT

Complaint narrative:
i have no knowledge of this account and have not conducted any business with the creditor

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 2021-08-03 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:
There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number 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 2021-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.

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 2021-08-03 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: IL

Complaint narrative:
The XXXX XXXX XXXX XXXX IL charged me {$1500.00} without authorization, will not and have not provided a bill for the {$1500.00}. Also, the {$1500.00} amount does not show as a payment on any of XXXX XXXX XXXX accounting records provide to me. 

I filled a dispute with Discover Card and they investigated it, the XXXX XXXX XXXX did not provide authorization proof or bill showing what the charge was for to Discover Card. Later Discover Card told me over the phone that, I waited to long to file a dispute and they could not get the money back from the vendor so, Discover was not going to cover the cost of repaying me the fraudulent charge. 

The charge occurred on XX/XX/XXXX and I filed the dispute on XX/XX/XXXX. Discover Card validated the XXXX XXXX XXXX fraudulent charge on XX/XX/XXXX, telling me that the XXXX XXXX XXXX had informed them it was a valid charge without providing any proof. 

In addition, Discover Card informed me that I could file a dispute up to 5 years from the charge and I filed 9 month after the charge was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My attorney sent a letter on my behalf ; however, the debt collector never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Disputed charge for undisclosed " 4 % service charge '' not authorized or signed for and authorized returned items that we were told after they were returned and we would keep were sold without our permission.

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 2021-08-03 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:
This is a follow up dispute to Experian about the negative inaccurate account of XXXX  XXXX and the FCRA violations to my Credit Report Im the attachment will be proof of my identity with utility bills with my current address and proof of the inaccuracy of the XXXX  XXXX account Any documents of proves will be in file attachments

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 2021-08-03 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: AL

Complaint narrative:
I checked my credit report last year in XX/XX/XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX/XXXX  account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from XXXX, Transunion, and XXXX. This should be considered fraudulent if no one can provide the information I'm requesting to verify the 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 2021-08-03 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: AL

Complaint narrative:
I checked my credit report last year in XX/XX/XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX/XXXX  account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from XXXX, XXXX, and Experian. This should be considered fraudulent if no one can provide the information I'm requesting to verify the 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 non-monetary relief