vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was a victim of identity theft inXX/XX/2016 whereas an application with XXXX XXXX  for 1 credit card became a 39 inquiries and 22 credit cards mailed, applied over and over again. I had my mail and ID stolen for over a year. When contacting the company for over a year I was assured all accounts were closed. I spent over {$600.00} dollars in applications, monitoring services with all credit bureaus. I had over 5 police reports filled and shared with banks, credit bureaus and FTC report in order to stop the abuse. When calling the company it was like I had had never called them to inform of the theft and after the XXXX data breach this closed accounts started showing up in my credit decreasing the credit report from 850 to 450 ; According to State Laws across the nation when such theft occur all account and related credit cards must be closed and removed from the credit report for a period of 10 years. I can no longer afford to spend an average of {$30.00} dollars a month mailing this police report and requesting the removal ad blockage of this cards according with FCRA consumer credit laws.

When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B ; There was a failed to communicate information within each phone call, each mail of police report.

After reaching the toll free number and speaking with 28 representative they couldn't locate most of the credit cards through the social security number, and I was told : __ Wait there is another consumer with the same name and same accounts but your social security number does not match. That is when the XXXX XXXX XXXX was announced nationwide.

That said, the whole experience was rattling. I can't imagine what a mess it might have been if I had not inadvertently checked the account day by day and spent {$300.00} a year in monitoring services with the credit bureaus, and if additional charges were racked up, wiping out the account, credit cards showing up in the mail after a year.

My vehicle registration, my auto insurance with XXXX   and personal mail were also affected by the mail theft ; When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B.

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 2018-06-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The account in question is showing inaccurate information, I would like it updated to show accurate on my 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 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Have Disputed XXXX XXXX XXXX To send me a payment History. I have also contacted Experian Asking then to show payment history when the payments where made and Dates. I have had 2 other mortgage company 's and credit cards that post my payment history. I contacted Experian they told me that the history is correct and showing on there end.

but it is not showing on my report that they sent me or online. I have ask them to remove this account and Expperian say it is accurate.

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
Consumer complaint received 2018-06-09 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XX/XX/14 Belk Dept. Store {$2200.00} Balance I opened an account at Belk and the credit limit started around {$800.00} and was increased to {$2200.00}.

I had perfect payment with Belk for several months or for a year, I can't remember now.

My card was stolen, and I found out later that it was stolen by an individual named XXXX XXXX.

I spoke with manager, and then talked to Belk Credit several times about this, but nothing was ever done

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 2018-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I have recieved our monthly statement on XX/XX/XXXX and noticed that there was an extra payment on there that was not made by my husband or myself. I called Citizens One Auto Finance to figure out what happened and why there was an extra payment. When talking to customer service, they informed me that the payment made was on XX/XX/XXXXonline and the card was saved to the account. At this point I asked to speak to a supervisor because I did not approve this payment. The supervisor had helped remove the card while I was on the phone with her. I had asked her what name was on the card and she informed me that it was in my name and appeared to be a debit card. While visiting with her, I had asked for the information on the card ( bank information and the rest of the card number, expiration date ) they would not give me the information because they do not have it. That was the end of the call on this date. I called back the next day and spoke with customer service supervisor again and they had already started doing the reversal payment on the card ending in XXXX ( which I am not the card holder on, nor do I have the card ). I had explained to them that I have the right to this information, especially with the card being in my name and trying to figure out if it is identity theft. I told the supervisor that the only people that have my account information should be my husband, myself and their bank. To make an online payment you need to have the following information : account number and the last 4 of your social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Complaint file against Nationstar Mortgage now called Mr. Cooper. The complaint is about the hazard insurance the lender obtained for the house located in XXXX XXXX. According to lender, they obtained insurance policy with {$1500.00} premium paid and asked me to pay for it. I sent them letter and told them I am not paying as I have complete insurance coverage for the property continously and no lapse or nothing. I sent the policy information provided to me by my insurance agent and confirming that the property is fully covered with hazard policy continously without interruption or lapse ofr that matter. MY insurance agent faxed to lender 's Insurance department the information about the insurance coverage of the property on XX/XX/XXXXbut lender failed to organize their records of receiving such faxed information. Now lender claimed not received the insurance information from my insurance agent, then obtained the policy with the insurer of their choice and now asking me to pay them for the premiums they paid. I sent them a letter to cancel the policy they obtained immediately and I have no obligation to pay them back. The property is fully covered with hazard insurance continuously without any interruption. My insurance agent, again faxed to lender the insurance coverage ( policy declaration page ) on XX/XX/XXXX. I also sent them insurance declaration page and confirmation of continous coverage that my insurance agent sent to me but there seemed to be questionable decision against accceptance of such insurance coverage on this propety. Please do something to curtail this kind of bad practices of lenders and their staff. It is business for them and bad for the victims of so many mortgage borrowers. Lenders ' staff are careless and negligent in keeping organization of borrowers ' communication to them as against mortgage loan borrowers. Thanks for your assistanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I disputed several transactions as unauthorized but the bank refused to refund overdraft fees associated with those transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
Got pre approved for a vehicle with XXXX XXXX and went to XXXX XXXX to pick up a XXXX XXXX. The initial salesman lied and told me my preapproval with XXXX is not valid and attempted to deceive me into running my credit with another bank. I objected several times after taking a test drive, telling them I only wanted to deal with XXXX XXXX for the loan. They then proceeded to falsely advertise incentives. After doing another credit check I was told I was denied, and shown a credit score and profile that was not mine of another lady named XXXX XXXX. I almost sadly walked out thinking I was denied until I noticed they gave me another customers credit report which is illegal. After telling the owner XXXX XXXX I would leave a XXXX Review ew he threatened me, saying that things would happen but he wouldnt know who did it. All this happened after they refused to give me a business credit application for my company I own a percentage of by only providing the last co-signer page of the application. They have committed dealer fraud. XXXX XXXX XXXX said he was told by the sales and finance manager I did not want to deal with XXXX XXXX  and this was a lie, I told him thats the only place I would deal with. I was asked to leave after my boyfriend started recording the situation, and then cornered in the parking lot once again by the owner XXXX XXXX whom threatened us earlier ; I kept telling him needed to leave to feed my XXXX year old child. He offered to give me the XXXX XXXX for the weekend while he finished my loan and called XXXX, I objected telling him they have broken several laws and violated my rights in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
XXXX XXXX XXXX denide my identity theft complaint. They continued try and garnish me and take me to court. Have stoped any collection activity against me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have responded to the debt collector XXXX XXXX, and the major credit bureaus are informing them that the debt that is being collected is not my responsibility. The debt is a product of identity theft. The address listed on the debt is an address that I do not recognize. I've never lived at this address. Also, even if I owed the debt and I do not. The debt is outside of the right four-year time frame in which debts are collectible. During the five years of disputing this debt, it has been taken off my credit report for one year and then put back on. With the address discrepancies included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
.I am requesting that XXXX XXXX ( MCM ) verify there method of verification. MCM  reported to CFPB on XX/XX/XXXX. That the account furnishing to the three major credit reporting agencies is accurate. I reviewed my credit report dated XX/XX/XXXX ( enclosure ). MCM is reporting inaccurate information. The credit report states in the credit history before the dispute and after the dispute that the original amount of the account was {$3000.00}. This is a continued violation of MCM. MCM gave false information to the credit reporting companies. MCM called my home on XX/XX/XXXX when they was instructed not to call my home in writing ( certified ). I was told that the account will be deleted since it is old if I pay half of the account. I asked for it to be in writing. I countered with {$100.00} for deletion since I am on a fixed income and a XXXX veteran. I am not agreeing that I owe this account. I want this inaccuracy to be resolved. MCM  disagreed with my counter. MCM raised the credit history reported {$3000.00} original credit amount and lowered my available credit percentage. 
I am requesting that MCM verify the {$3000.00} credit history or delete the account with all major credit bureaus. MCM has a pattern of behavior of violations that has become a premeditated organized deceit in order to pressure me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
This company sent me a debt collection notice about 4-5 years ago. I responded back in 30 days and told them I did nt owe the debt, as I have no knowledge of a account with the company in question. After that, I didn't hear from them for about a year, until they sent another debt collection notice. I again sent them a letter of dispute, from which I heard no reply. Last year, I received yet another debt collection notice. I once again responded with a letter claiming I dispute this debt, as I have no knowledge of this account. This time they sent a verification letter of the debt, but also stated they can not legally sue me or put the debt on my credit report. I took that into consideration along with the fact that the debt is not mine, and responded with a letter asking them to not contact me any more. Now, today I received yet another debt collection letter. At what point does this become harassment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for the Citi Double Cash Card on XX/XX/XXXX and was approved for the card after additional verification steps on XX/XX/XXXX. This card was suppose to have a XXXX sign up bonus after I spent XXXX dollars in purchases. I asked them if I would receive the sign up bonus prior to using the card and the lady that I was speaking to said that she did not know. So after spending XXXX dollars I contacted the customer service department to see when I would receive my sign up bonus and they stated that I would not receive a sign up bonus because I didnt apply under the correct link. The sign bonus information is posted directly on the Citi website when you look up the Citi double cash card. Which is how I applied for the card. This offer was just created on XX/XX/XXXX for the sign up bonus. After seeing a article on XXXX XXXX for the sign up bonus on XX/XX/XXXX, I applied later that day. I have called multiple times to figure out why I was not receiving the sign up bonus and some of the customer respresentatives I spoke to hung up on me and I had to call back and they still couldnt tell me anything.

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 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: PA

Complaint narrative:
This company sent me a debt collection notice about 4-5 years ago. I responded back in 30 days and told them I did nt owe the debt, as I have no knowledge of a account with the company in question. After that, I didn't hear from them for about a year, until they sent another debt collection notice. I again sent them a letter of dispute, from which I heard no reply. Last year, I received yet another debt collection notice. I once again responded with a letter claiming I dispute this debt, as I have no knowledge of this account. This time they sent a verification letter of the debt, but also stated they can not legally sue me or put the debt on my credit report. I took that into consideration along with the fact that the debt is not mine, and responded with a letter asking them to not contact me any more. Now, today I received yet another debt collection letter. At what point does this become harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
This company continues to report a copay as past due. They know that my insurance was 100 percent responsible and that I was too late to file a complaint against my insurance. I had met my deductible 100 % XXXX should have paid this debt at 100 percent and this company was advised of the situation. Because I had gone past 200 days the insurance refused to reverse the charge. I in turn went ahead and paid the bill over a month ago, yet they continue to report it as not paid. This is negatively impacting my credit report and my family! I believe they are doing this intentionally because I complained previously as this should have never been reported. This really irritates me because if you run a business, run it correctly or shut it down!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I started to notice in XX/XX/2018 that when I deposited money in my checking account, the balance was always low. I made a deposit of {$500.00} and the next day my balance was less than {$200.00}. When I called Wells Fargo to investigate, I was told I had two checking accounts and the other one did not have the minimum balance required therefore they took the fees from my deposit. I never consented to a second checking account. I demanded Wells Fargo return my {$500.00} but was told there was nothing they can 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 non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
My leased car was return to Hyundai in XX/XX/XXXX. 
The Balance on my account as shown in the XX/XX/XXXX Statement was {$0.00}. 

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was reported as late. This is not possible as there was a XXXX balance. Please see the attached report from XXXX XXXX. 

I owed nothing but, I was reported as 30, 60 and 90 days late in payments to the credit bureau. 

I contacted XXXX XXXX XXXX and was told " you have not provided sufficient information for us to begin an investigation ''. 

I provided my XX/XX/XXXX statement and the credit report from XXXX showing a XXXX balance in the XXXX XXXX account, but yet payment for this XXXX balance was reported as late!! 

My credit score prior to this was XXXX, it has dropped over 100 points  through no fault of my own and XXXX XXXX XXXX  is not even researching the problem!!! 

I have never been late for any payment to any creditor in my life and I am annoyed and surprised at how dismissive and unwilling to fix their own mistake XXXX XXXX XXXX is being!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been to court and was making payments as agreed as per court order. However, the debt collection agency ( XXXX XXXX XXXX ) refuses to send me monthly statements showing payments and balance on the account. I have reached out to them on several occasions with no success in resolving this issue. I stopped making payments due to there is no way on knowing when the debt will be paid with no statements. The debt collector is unreasonable and will not come to a reasonable solution in this case. Midland has taken money out of my account which are the funds from my monthly social security check. I received a letter about going to court to garnish my wages after the funds had already been taken from account with my social security. The balance continues to rise due to adding on late and attorney fees and court cost. I did not receive any notification about a court date regarding garnishing my wages. I have bank statements showing the payments that have been made to this company and the balance continues to go up. Midland has tried to collect this debt for XXXX XXXX XXXX the original creditor. The original creditor ( XXXX XXXX XXXX ) has solicited me to obtain another credit card. I used the card to see if it was legitimate but later called to closed the account. Please help with this in any way you can I am an elderly woman that can not afford anyone taking funds from social security benefits. I am the head of my household and spend a lot on medicine and doctor visits from my illness of being a XXXX.

Company response to consumer: Closed with explanation