vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The debt was entered into my bankruptcy ; however its showing up as a separate debt on my credit report with an outstanding balance due. Page 14 on the attached document shows that it was included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Trident Asset Management / XXXX XXXX XXXX In reference to account # XXXX The above collection company has parked and re-aged information that is inconsistent with the original date of delinquency onto my credit report this is a willful violation of the Fair Credit Reporting Act. It is required by the FCRA to provide relevant and accurate documentation to the CRA 's. This is a malicious willful act that is defamatory to my reputation and has caused harm to me and my family. Re-aging debt is an illegal debt collection practice. The statue of limitation from the original date has passed. Texas is 4 years. They need to remove this information from all CRA 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: IN

Complaint narrative:
My name is XXXX XXXX and I am a member of the XXXX XXXX XXXXXXXX. Between XXXX and XXXX my identity was compromised and several accounts were fraudulently opened in my name. I have included the accounts below as well as attached the identity report from the Fair Trade Commission. I am requesting that Equifax immediately remove the following accounts below as they are impacting my credit negatively. 

. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX & XXXX ). XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I noticed on my credit report that Telerecovery placed a medical debt on my credit report. I never received communication from them to try and dispute the validity of that. It was just placed on my report. I asked who the debt was from and they said XXXX XXXX. I told the agent that this could not be right as I have have health insurance. I stated that the amount could not be right. I pulled my credit once again and the company didn't even update the fact I was disputing the debt. I check the Lousiana Secretary of State to determine if this company is even registered in the state and they were not found. I want this account removed from 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 2018-06-26 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: SC

Complaint narrative:
There is a collection account that is inaccurately reporting on my credit reports from XXXX XXXX. I have sent letters asking them to verify and validate the collection account as it is not mine and I have never ever did business with them. I am claiming it to be identity theft and someone is using my information for this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
My credit score dropped 57 points in three months so i investgated this and found that the collection agency did not do the homework .They are saying i owe XXXX {$87.00} and i called XXXX and they said sir all you past accounts with us were paid in full and you owe nothing to XXXX.So i called the collection agency and the girl told me they do not have my social security number on the account that is owed.So i ask XXXX XXXX the collection agency supperviser how this happened and she said she did not know, I asked her to get my credit score back to were it was before the falsely acused of owing XXXX money it is someone elses social security that they are looking for not mine.The collection agency is ( SouthWest Credit Systems ) ( XXXX ) XXXX.Ask for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
I used my card on Thursday XX/XX/XXXX to make a purchase for {$7.00} from XXXX XXXX grocery store. Before making this purchase i checked my US Bank app to make sure i had sufficient funds, at that time my app showed that i had {$23.00} in my account. After the purchase of {$7.00} it showed i had a remaining balance of {$16.00}. I then made a purchase for {$9.00} at XXXX 's XXXX XXXX that evening. I should have still had money remaining according to what the app showed previously. I didn't think anything of it and didn't check my account again until the next day Friday XX/XX/XXXX around XXXX. At that time my account was overdrawn by - {$43.00}. I was definitely surprised when i saw that. I immediately called US Bank and was advised that when i made that purchase at XXXX grocery store i had overdrawn my account. As you can guess i wasn't happy, i explained to the customer service rep that according to my app i had the funds to cover the purchases i made. The rep told me there's nothing that can be done as that's not what they're showing on their end. I voiced to the rep that something was obviously wrong with their product, the app and that to me as a consumer that was deceitful, because it doesn't show the same information. I explained that according to my us bank app i had a balance of XXXX left after making that purchase at XXXX and that that was in the completed transactions sections not in pending. The completed transactions showed a balance of XXXX and then in the pending transactions you see my purchase at XXXX 's, a XXXX cents XXXX purchase, and then you see an overdraft fee in the amount of XXXX applied. which caused the initial overdraft amount of - {$43.00}, which included a XXXX charge of {$11.00}. I've called the bank 3 times since i noticed the overdraft and the company was unwilling to help me. I then contacted XXXX and XXXX and had the transaction reversed and moved to a different payment method. they were kind enough to refund me. On Saturday once the transactions started to post i was assessed another overdraft fee overdrawing my account in the total amount of - {$78.00}. {$72.00} we just in overdraft charges the other {$6.00} was actually money i ended up overdrawing. I went down to the branch Monday XX/XX/XXXX to pay the over drafted amount of - {$78.00} so that it didn't accumulate any further fees. I am disgusted with US bank and can not believe they do this to their customers. If there is another class action lawsuit due to their crooked practices i will be a part of it this time, if this is not resolved.

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 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX has never contacted me in regards to this alleged debt, I have submitted mailings and accessed their website to try to obtain more information and I've never received anything in writing stating I have a right to dispute the debt, or that they claim they are collecting on the debt. I have no idea where this debt is coming from, I was only made aware when I contacted the credit bureau and say it was listed only listed on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
These Diversified Consultants Company is a debt collection vendor that has been using a bunch of random phone numbers with my area code but they are located in Florida and try to bait you to answer their calls. I have spoken to them to send me mail regarding this debt collection but they have neglected to send it to my address. The harrassment has started back in XX/XX/2017, for a collection amount on a phone bill for more than {$2200.00}. Which is ridiculous! They call multiple times throughout the day and I cant stand them anymore!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2018 I instructed verbally and in writing Attorney XXXX NOT to use my CREDIT CARD. He used it anyway. I request a REFUND on my XXXX card.

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 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Performance Settlement, LLC
State: TX

Complaint narrative:
I was misled by this company ( Performance Settlement ) and cancelled my debt consolidation program on XX/XX/2018 since I was not being informed of my debt status or any details on my account after requesting updates. Was promised full refund less {$55.00} processing fee. Never received after several inquiries and company could not verify amounts, only re-initiated the cancellation on XX/XX/XXXX and again on XX/XX/XXXX. Refund still not received so I disputed all 3 deductions from my XXXX XXXX bank account. My bank provided the provisional credits then ran the 3 amounts back through on XX/XX/XXXX and XXXX only notifying me of one of them. I received a check refund from the company for {$520.00} on XX/XX/XXXX but had paid them {$970.00}. No explanation on check stub or breakdown of where the additional refund may be and now company not returning my calls. My bank acct is overdrawn and states the disputes were reversed since company provided them the proof of agreement to pay. My bank was to mail me a copy of the dispute paperwork twice since XX/XX/XXXX and I still have not received it. Ive been scammed and can not re-dispute the charges of XXXX ( 3 times by ACH ) at my bank. I also incurred {$140.00} in bank fees for the 1st disputed payment and had to pay that back as well. Please help me make this right. I am owed {$440.00} from Performance Settlement less the {$55.00} fee which I also do not feel I should have to pay since their dishonesty and broken promises still are not resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Fraud Claims Department will not process my fraud claim, and asked me to fax my claim its Reconsiderations Department. I filed an FTC Identity Theft Report, and was told by a supervisor named XXXX in the Fraud Claims Department that I could be liable for fraudulent purchases made on my account after I made a payment on my account. Mind you, both payments made were on concurrent days, one by phone and one online, and neither payment would show me account activity that could have alerted me to potential fraud. Further, I am being told, when similar fraud has occurred on my other credit cards, as in an entire account take-over, those fraud claims have been resolved, yet Wells Fargo tells me it will take 30 to 45 business days to resolve this claim. I am currently applying for mortgages and can not have this high revolving credit account appear on my credit report and bring down my credit score, affecting the kind of mortgage I could possibly get. In addition, I have sent proof to Wells Fargo verifying my whereabouts when certain fraudulent charges were made, making it impossible for me to have made these fraudulent charges. Please help me have Wells Fargo resolve this claim timely so I can apply for a mortgage and get the best rate possible, keep my credit score intact, and allow me to regain control of my life. The Reconsiderations Department at Wells Fargo does not have a telephone number where I or my Consumer Protection Attorney can contact them to discuss this claim, as I want to be proactive and not reactive, especially given the large money amount involved and the extent of identity theft with this and my other credit card claims.

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 2018-06-26 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: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, XXXX, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Over the few months. JPL Recovery Solutions, mainly a woman named XXXX XXXX has called me daily. She has called my places of employment, my land lord, my father, friends and family daily. Threatening to sue me, have me arrested, making false statements, refusing to provide answers to questions that they are required to provide, when asked, by law, and calling more frequently than is permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
4 fraudulent charges were made to the card beginning XX/XX/18. These were immediately reported to American Express Serve, and they were asked to investigate the charges, put a hold on the card and issue a new card. The account has over {$700.00} in it, and the money is needed to pay bills. No card has been issued. No report on the fraud has been given. The card is frozen and I can not get my money. Whenever I call, which is every week, I am told they will have it resolved in 5-7 days, This has been going on since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received an email from XXXX XXXX. XXXX XXXX informed me that my Wells Fargo Credit Card account has been closed. So, on XX/XX/XXXX at XXXXXXXX XXXX and XXXX XXXX I called Wells Fargo Credit card Department at XXXX to get some information on why wasn't I notified through them in write, email or a phone call to let me that my credit card account we being closed my their company. One person didn't give me a explanation on why the didn't notify me and the other person when I called back to make arrangements and to see if the account would open back up this person told me the account was closed for good and they're going to add late fees and inerest on the closed and account. When I asked her why would the keep add of those fee 's when their are then one who closed my account she told me that's their policy.

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 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
After contacting onemain they attempted to acquire personal information from me to include address, phone number and full SSN. As soon I informed them that this wasn't my account and that I recently filed for identity theft with the police department and sent the report to all three credit bureaus they told me that my account was transferred to XXXX XXXX XXXX ( XXXX ) and to contact them ; which never showed as a debt collection company on my file. I contacted XXXX and informed them of the same information and they went through the verification process as well but noticed a large amount of identification errors from address and birthday and amount claiming to be owed. I called XXXX back after never receiving a fraud packet that i requested and they told me they sent the account back to onemain and labeled it as fraudulent account. So i called onemain back and inquired again, and of course they wanted more personal information to verify who i was and then instead of talking to me informed me of the attempt to collect a debt. I finally got to a dispute representative who said they used to be Springleaf financial  and I informed them of the account be settled/wrote off due to breach of contract which the Springleaf respresentative in XXXX, South Carolina acknowledged. They attempted to spike my interest rate after the first payment was made which I informed them was an illegal interest rate for an XXXX XXXX XXXX per the Soldier/Sailor Civil Relief Act. I never heard from Springleaf again and here we are 5 years later with tarnished credit due to myself never being contacted or informed of any type of selling of the account or merger with another business. I never borrowed that much from springleaf so the ammount is also far from accurate. I am not an uneducated adolescent new to the credit world. Anyone can pull my current loans, credit lines or reports and see that my accounts are current and never missed a payment ; so why would I have done that then. I have integrity and if Springleaf would have be as integral neither the onemain or myself would be in this position. As the consumer I am attempting to purchase a home and can not do so because of something 5 years ago still haunting me now because of a mistake made by an account which onemain took over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018 XXXX XXXX charged on my Cap One card {$1000.00} WITHOUT my permission. I cancelled transaction yet XXXX still used my card. Verbally and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2018 I processed a payment that closed my XXXX open payment. At that time, I owed for XXXX payment that was due as of XX/XX/XXXX. I recently tried to make a payment on XX/XX/XXXX but the charges were denied. I was told to contact customer services. I was told that the account was past due for 32 days. I asked the representative what payment date I owe for. I was told I owed the XX/XX/XXXX payment. I asked the representative to explain how I was 32 days past due, but only owed for the XX/XX/XXXX payment. I chose to end the call because it was getting very heated. I called back and spoke to a manager who noticed the issue. The manager put in a complaint on my behalf to fix the issues on the account. I still did not receive an explanation as to what issue occurred. While speaking to the manager, I was told that I would not be able to use my account until the XX/XX/XXXX was paid. I did not receive an explanation as to why I still could not use the account. I called back and asked another representative the days past due a customer had to be before they would lose their purchasing ability. I was given 30 days past due. I would like to find out why my purchasing ability has not been restored due to the fact that my account was past due by only 10 days while the company policy is the account has to be 30 days past due.

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