vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 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: NM

Complaint narrative:
Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2019-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello. Im writing this complaint in regards to a fraudulent account that was opened under my name in 2013 with Discover Credit card. I have never had a discover card nor have I authorized one to be opened. DiscoveXXXX is calling me harassing me and they said they are investigating it but they also opened a lawsuit against me for {$18000.00}. I tried to applied for a loan and I was denied because of this debt. I cant open anything or even apply for a place. This is affecting me and my credit tremendously. Ive been sending in all types of proof to discover that I have not been the user on the card such as proof of address to where I have resided for over 10 years in XXXX, Fl and the address they have on file where the card was sent was in XXXX, FL. I also sent them in my debit card bank statements where I was making charges in Nevada and the discover card was being used at XXXX XXXX XXXX the very same day. Ive also filed a police report. This is becoming such an issue and now they are taking me to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
H & R accounts have my medical balances in their office. I have been making payments to them for months. I pay {$50.00} bi-weekly to them with the understanding to keep the accounts off of my credit report as long as I may the biweekly payments. The payments are set up to automatically come out of my account. They auto-debit the payment. 
Last week XX/XX/XXXX, a balance of {$1300.00} showed up in collections on my credit report. I called H & R Accounts and spoke with XXXX. That conversation didn't go over very well. I spoke with his supervisor about it. His supervisor advised me that he included this account in the payment plan. He gave me an email address XXXX to request forgiveness to remove the collection account off of my credit report. I sent the email to them on XX/XX/XXXX at XXXX to do a goodwill removal. This communication is a back up as they should have never placed the account in collections on my credit report as they are receiving a payment bi-weekly with the agreement to have the accounts not hit my credit report. They have a bad practice and this should not happen. They also had a wrong address on file. There has not been any attempt to send written correspondence as the address has a forwarding address, however, they have never sent any thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Certegy Holdings, LLC
State: MS

Complaint narrative:
I went to cash a check at XXXX on XX/XX/XXXX. Certegy advised that I cashed a check from XXXX XXXX on XX/XX/XXXX for the amount of {$660.00} and owed this money. I told them they must be mistaken and it's not me. I have no knowledge of this company. I have no knowledge of this check and to send me a copy of this they advise that they do not have a copy of the check but yet they are holding me responsible for {$660.00}. I have never gotten a call from Certegy nor a bill. Nor have I ever gotten a bill from the so called company XXXX XXXX. I do not know where they are or who they are and to please send me all documents they have on this transaction. I told them I am disputing this information you have on file and send me all information you are claiming that is causing a problem for me to cash check I am disputing any and all negative information in their system. reference number XXXX at XXXX for the amount of {$570.00} when they refused ti casg my check due to this.

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 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
I asked that this company validate this account. They sent a bill which does not show any written agreement that I owe this company any monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Harassing phone calls, robo calls, non stop. I have no debt with this company nor have ever had any affiliation with this company. I have fraud alerts on my credit reports for identity theft. I want this company to cease all contact and delete my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
Contract Callers Inc Account # : Unknown Amount : {$2100.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CONTRACT CALLERS INC ( CCI ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

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 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Account # : Unknown Amount : {$830.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with PORTFOLIO RECOVERY and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & Portfolio Recovery. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Portfolio Recovery can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
This is my 2nd complaint against MoneyLion. This is a different issue. It is imperative that MoneyLion change my default payment method from checking account ending in XXXX to account ending in XXXX. Ive made several attempts to make this change on their app but to no avail. I have called more than 6 times. Each time I call Im on hold for more than an hour and then my call gets cut off. This happens every time I call. I will be closing the account ending in XXXX in the next 2 weeks. It has been impossible to make the change online through the app or to reach a human by phone. Im at wits end trying to deal with these people. I need someone from MoneyLion to contact me and confirm the account change. As of todays date the app still shows my account ending in XXXX as my default account. This must be changed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2019 : Synchrony Bank wired {$190000.00} from my savings account to XXXX XXXX XXXX without my authorization. 
XX/XX/2019 : Synchrony Representative XXXX XXXX called me to ask if outgoing wires that day of {$130000.00} from my savings account & {$120000.00} from my CD were authorized. I said no. XXXX froze my accounts & online banking access. Eventually the {$130000.00} & {$120000.00} were returned to my accounts. However I could no longer see my accounts online. 
XX/XX/2019 : I called Synchrony & spoke with Rep XXXX who tried to id me. She had the wrong answer to my security question about where I was married. Eventually she verified my id & told me my account activity. This included a {$190000.00} wire on XX/XX/2019 that I did not know about. Then I left a phone message for XXXX about the {$190000.00} wire. 
XX/XX/2019 : When XXXX called me back I told her the {$190000.00} wire on XX/XX/2019 was not authorized by me. 
XX/XX/2019 : XXXX called me and said Synchrony wired {$190000.00} to XXXX XXXX XXXX & these funds are gone from XXXX XXXX. Synchrony Bank will not return these funds to me because I was a victim of identity theft. 
XX/XX/2019 : I sent a letter to XXXX with my Police Report of XX/XX/2019 and my Federal Trade Commission Identity Theft Report of XX/XX/2019. 
XX/XX/2019 : I sent a letter to XXXX requesting status of {$120000.00} and {$190000.00} stolen funds that had not yet been returned to me. 
XX/XX/2019 : I sent a letter to XXXX requesting payment to me of {$120000.00} & {$190000.00} plus related interest & fees. 
XX/XX/2019 : I received from Synchrony {$120000.00} for my {$120000.00} claim plus interest and fees, which satisfies this claim. 
XX/XX/2019 : XXXX told me Synchrony will not return to me the {$190000.00} stolen from my account because this was due to my identity being stolen.

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 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: OH

Complaint narrative:
I have been dealing with this now since XX/XX/XXXX. XXXX Hospital Georgia has incorrectly attached this debt to my SS # and has been trying to fix their issue ever since. The billing from the main hospital has told me on multiple occasions that they have corrected this issue on their end and I was told they would also direct this to XXXX XXXX XXXX XXXX XXXX XXXX has not submitted this debt to the collection agency Affiliate Asset Solutions The debt in question is related to a homeless gentleman with similar name as mine, with a different middle name, and the hospital tied his billing to me. I live in Ohio. The only time I have visited XXXX Hospital was in the Winter of XX/XX/XXXX while in Georgia for on the job training.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I have no knowledge of this debt. Im a young entrepreneur trying to build my credit. I need this removed from my credit because I'm trying to build my business. Credit is important to me and by this being removed it was greatly help out my score because i have no knowledge on what this collection is. I've contacted the collection agency to get this removed and nothing was solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Service Account # : Unknown Amount : {$170.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CREDIT COLLECTION SERVICE ( CCS ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & Credit Collection Service. I  have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Credit Collection Service can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: OR

Complaint narrative:
I dispute transactions on my account for the amount {$1100.00}. I was XXXX at the time so I couldn't have authorize the transaction and my funds still hasn't been returned to my account. The bank trying to tell me I authorize the transaction.

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 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management called me. I did not answer. When I returned their call they were asking for a " XXXX XXXX ''. I told them I do not know her and that this has been my phone number for several years now. My phone number XXXX and it is listed on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice recovery inc {$48.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: CA

Complaint narrative:
The amount of dispute is $ XXXX.I got some airline tickets and I wanted to cancel them the same day but the company kept me on hold and my call got disconnected few times and then they charged me a cancellation fees of $ XXXX.It was no fault of mine as I tried calling the company and they did not answer. 
I am being penalized for a service which I did not receive. 
Capital one bank representative asked me to email them the receipt of the transactions and told me they will reverse the claim after they receive the receipt but they did not take care of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
They keep reporting that I owe them but I dont even know who this credit company is at all so why would I pay for something I never got at all so they said my credit will go down and won't be able to ever get anything and that is really hurting my credit to even try to get a car any where

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX XXXX that Capital One had reported a delinquent payment on my account. I had never made a late payment and have had a 100 % on time payment history for all of my accounts. When I looked into the situation, the only information the Capital One customer service representative was able to provide was that I had made a payment that was {$1.00} short of the minimum, and that it was the {$1.00} that had been reported to the Credit Bureau. This, if true, was an inadvertent mistake. I had supposedly made a payment of {$520.00} instead of {$520.00}. No one informed me prior to the delinquent notice that I had made this mistake, despite Capital One 's claims that they put customer service first and notify you if anything is wrong with your account. I was told by Capital One that I could dispute the report by paying to get my credit report, hand-writing a letter, and providing multiple forms to show why I believed it should be corrected. This report about a {$1.00} late payment dropped my credit score by almost 100 points. Because this seemed like such poor customer service, I filed a complaint with the XXXX XXXX XXXX. I had another representative from Capital One contact me after this, but I was never able to speak with her directly, and she never returned my calls. Then she filed a response that she was unwilling to remove the delinquent report. I did not accept the response via the XXXX XXXX XXXX, and then called CFPB for support. This was approximately three weeks later. At this point, I logged into my XXXX XXXX account to provide information and noticed that by this point, the delinquent payment notice had indeed been removed from my credit report. I am very grateful for this. However, one week later, my credit score has not improved. I would like it returned to what it was before the unfair delinquent report. I am still very disappointed in the way Capital One handled this and in their poor customer service and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: TX

Complaint narrative:
THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
I recieved a letter about XXXX XXXXXXXX which i never consented to and duvera and XXXX XXXX and my XXXX XXXX is in the state of XXXX Georgia thats it im a XXXX year old girl with no job right now and i asked if the company can monitor my social security number because my old boss has my social security in their text if XXXX XXXX is XXXX it got rejected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation