vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 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: IL

Complaint narrative:
Fraudulent/ Wrong/ Billing Error or identity theft was being done to abuse my tjx credit card without my permission. I didnt give permission to tjx to abuse me ; or my credit card or me for marketing purposes. If they have done that then they need to pay me. 

My bill was {$900.00} on top of which I paid {$200.00} further as a bill payment via my XXXX XXXX XXXX account Online bill payment. 

XXXX launched their XXXX XXXX and tjx increased my bill from {$900.00} to {$2700.00} without me using the credit card and now they want me to differentiate which ones are my transactions and which ones are fraudulent transactions. That representative apologized which ones are somebody elses transactions. 

I told them that I just know that my bill right now should be {$900.00} ( as later on I paid approx. {$200.00} more then now the bill should be around {$700.00} which I need to pay off. ) XXXX is not my bill. 

Few of tjx billing department representatives called me and confirmed that yes there was a billing error ; which caused a problem. He apologized and affirmed that they will remove the remaining wrong charges / billing on my account caused by their mistake and I dont need to worry about this issue. 

After few months when they didnt adjusted the bill I called the helpline but their representatives were misbehaving and were very abusive and forced me to call and create a complaint with XXXX and CFPB by saying that if you have a problem then go create a complaint against our bank because their senior management is involved in this fraud. I dont know the representatives from tjx who called me ; either they called me from their cell phone or it was an official call. 

Please help is required in guiding tjx XXXX XXXX to remove the wrong billing out of my bills i.e. {$2700.00} - {$700.00} = {$2000.00}. Which I didnt use nor I am aware of who did it.

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 2018-02-23 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: General Credit Service Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, a minor child damaged a gas line that was incorrectly installed on a property that I was renting. The utility company repaired the line. The utility company demanded that I pay for repairs. I refused because the gas line was incorrectly installed and because I did not damage the line. The utility company referred their alleged tort to a collection agency. The collection agency sued me in small claims court. The court dismissed the case because in Oregon a plaintiff must sue the responsible party ( the minor ) and then add the parent as a defendant if the child 's actions were " intentional '' or " willfully negligent '' ( ORE 30.765 ( 3 ) ). 

On XX/XX/XXXX, the judge ruled in my favor, dismissed the case on the grounds that the collection agency failed to name the child as a defendant, and instructed the collection agency to pay my court costs. As of today, the collection company still has not paid the court costs. Instead, the collection agency falsely reported the alleged tort as an unpaid debt to the consumer credit reporting agencies. My credit score dropped. My interest rates went up. I have been unable to purchase a home or to get a business loan as a result. 

I consulted several lawyers who all confirmed that an alleged tort does not qualify as a " claim '' under Oregon law ( ORS 697.005 ) and that collection agencies can not solicit a claim for any amount that does not meet that definition. 

In a XX/XX/XXXX letter to me, the utility company 's claims manager acknowledged that the matter is not a " claim '' but rather a tort and and defined a tort as " a wrongful act, not including a breach of a contract or trust, that results in injury to another 's person, property, reputation, or the like .... '' in his letter. 

Through much correspondence, I warned the collection agency and its lawyer that the Fair Credit Reporting Act 's Section 1681o grants actual damages, lawyer 's fees, court costs, and punitive damages to consumers when a collection agency willfully reports false information. 

Still, they continue to report the item as an uncollected debt. 

I have requested that XXXX, XXXX, and XXXX remove the item from my credit report three times, most recently today.

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 2018-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have a credit inquiry from XXXX XXXX that I did not authorize. It is on my Transunion Credit Report on XX/XX/2016.

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 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Im exercising my right as a consumer according to Section 609 of the FCRA a company has to provide proper documentation an original signed contract with my signature. I reached out to XXXX in XX/XX/XXXX to dispute this account my information was taken and someone opened an account. I tryed fixing this on my own now I need the help of the CFPB Im trying to get my life back my credit is awful. But I do understand that Section 609 of the FCRA requires original signed contracts with the consumers signature.These documents Im attaching is what Ive been getting. The XXXX account number is XXXX I want the proper method of investigation proper verification.

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 2018-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
I took out a loan with Loan at Last XX/XX/2017 for {$470.00}. Since this time I have made all my payments which are {$100.00} twice a month totalling {$520.00}. After making my most recent payment I was informed my payoff amount was {$600.00}! I was not expecting that after paying more than the cost of the loan the payoff amount would still be more than the cost of the loan. I feel these are predatory lending practices. I need help getting out of this payday cycle with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need to have my credit pulled ASAP for an application with my bank. 

I attempted to unfreeze my credit XXXX online XXXX by an automated phone call and XXXX by speaking with a representative. 

The representative told me I was unable to do so currently and would not provide me with a timeframe in which I could do so. I paid a service fee to freeze my credit in the first place and am also willing to pay the service fee to unfreeze it, but I would like to be provided with the ability to do so urgently so that my application can be processed. 

Furthermore, when I inquired if they could provide me further information or contact me when I would be able to, the representative on the phone hung up on me.

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 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
On XX/XX/18, an item that had been previously paid before collections was finally removed from my credit report. This is a debt that I have been disputing for years now. Held by XXXX in the amount of {$220.00}. XXXX agreed to close my account under the condition that I return the phone that was being leased. This was to cover what was left on the phone to pay. Months later, I received a collection notice. I contacted XXXX, begged them to look into the phone conversations that took place to confirm that I was in fact told that I could leave XXXX XXXX and clear by sending them my phone and they said that in the fine print of the contract, it states I would have to pay off the phone and then keep it. They said there was nothing they could do now that they sent it to collections and the refused to send my phone back. This " debt '' has passed through XXXX XXXX now, and it has been removed twice. It's been reinserted for the second time. Not ONCE was I notified that an item was reinserted to my credit report. Not by the collection agencies and not by XXXX or any other bureau. I have been in the process of trying to repair my credit and keep hitting brick walls with this collection. I want it removed. This was settled years ago after I sent them their immaculately maintained phone. Further, I have lost most respect for these credit bureaus. They have responsibility over our entire lives by reporting debts correctly and more often than not I have found that they are inaccurate. I have NEVER once received notice that an item was reinserted on my report and this has happened before.

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 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
Ever since XXXX they have hit my credit DAILY as a new creditor, causing my credit score to disintegrate after I have told them repeatedly this is not only an INVALID debt, but that I want proof of my debt to them or any client of theirs. I have sent TWO letters ( tghe 3rd will be sent XX/XX/2018 ) demanding they show me proof of my debt and they have blatantly ignored my request, yet post DAILY to my credit report as I habe gotten notificiations from XXXX, XXXX   XXXX, XXXX XXXX, XXXX, and XXXX DAILY. This tactic is not only demoralizing but downright wrong since I habe asked they prove debt, which they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/2017 a woman stating to be with the county of XXXX ( but when asked would not give her name or department ) called my mother on her personal cell phone looking for me, she stated that she had a process server within 30 minutes of my mothers address and that if I wasn't there they would sue my mother. After my mother was hung up on they called her back 5 times, she picked up the phone to tell them they had the wrong number and a gentleman this time said " We know who you are ( my name ) '' when she told them her name his response was " sure you are, we will be there in five minutes you better have photo id ''. 

My mother is XXXX and is in no way financially responsible for any debt I have incurred. I have spoken with this company many times and disputed the debt as I have proof it was paid off. Now they are harassing my mother illegally and causing her and I both undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: AL

Complaint narrative:
XX/XX/2018 XXXX XXXX is trying to charge me for a returned check fee that was drafted out of my checking account for a check that was written to XXXX No XXXX. I tried explaining that the returned check charge had already been paid and the lady argued with me telling me that it was my bank charging me. I continuously explained that it was not my bank and the lady told me it would not be removed and I would have to pay it again. I have a bank statement clearly stating the payment to XXXX for a returned check charge of XXXX and the one from my bank in the amount of XXXX. I am getting multiple calls everyday even after they have been told not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had 4 credit card inquires that I didn't make. National credit cards/Airlines. they are XX/XX/XXXX and XXXX, XXXX, XX/XX/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 2018-02-23 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via Choice Recovery. This is not my account. It was confirmed that this was not my account, but my son 's ( XXXX XXXX XXXX, not XXXX XXXX XXXX ). I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the 700 that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. Choice Recovery, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: WA

Complaint narrative:
Recieved a XXXX XXXX card in the mail today in my name. The only phone numbers provided by the company - XXXX is an automated system that hangs up on you unless you provide a card number or SSN. I am not providing either to a company that is sending me finical accounts that I did not ask for. 

I have no way to contact them to see what this card is about, why, who, or when it was requested. 

I am not sure if they are planing to charge me the monthlyyearly fees associated with this card, as they are hiding behind an automated phone system. 

Associated names : XXXX XXXX XXXX XXXX Netspend XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX I called Bank of America to try to settle a debt. The offer was {$8300.00}. I asked if I could have until Friday ( XX/XX/18 ) to decide. Bank of America said yes. They also said if I decide I would have 63 days to come up with the {$8300.00}. 

I called today to accept the offer and make a payment. However, today they said they the settlement is now {$13000.00}. Whatever happened to offer and timely acceptance? Are banks held to some other standard than the rest of the world? 
They acknowledged they made an offer of {$8300.00} good until today, but I guess they can do whatever they want. Thank goodness the government watches out for such consumer abuse and makes a wrong a right!

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 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivable Solutions Specialist, Inc.
State: CA

Complaint narrative:
This company has reported the same medical collection against me 8 times!!! I have written and requested that this information be removed from all credit reports because it is incorrect, and also asking for proof if they believe that they are correct. I still have had no results, and need those accounts removed from all reports permanently.

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 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
My debt was first sent from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto Midwest Recovery Systems. Midwest reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I set up a payment to keep the account from being charged off and it was pulled back by the bank who I currently have a disputed as well and as a result they closed my account and sent it to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..

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 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I got a copy of my credit report after being denied credit and found a collections account which I did not know existed. The account on the report is from XX/XX/XXXX for a balance of {$1000.00}. I have not received any information from them or the company collection is for : XXXX XXXX XXXX XXXX. I made a phone call to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XX/XX/XXXX requesting paperwork on the original debt because I believed that the debt may have been covered by Insurance. They both promised they would send paperwork on the visit and the debt but I never received anything, and the collections company is still calling to collect the debt. Also in about XXXX when I got the credit report I filed a dispute with experian, and they reconfirmed the debt. On XX/XX/XXXX I called the insurance company, XXXX and they said their records show all claims paid to XXXX XXXX XXXX, called back XX/XX/XXXX and was told they have no record of the debt. All I want to do is get the information on the visit, the billing to insurance and determine if I actually owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 2 inquires that I did not authorized nor do I have any accounts with these companies. Please remove from my credit report. I have contacted those companies and they have verfied I do not have any accounts opened. 

XXXX XXXX XXXX IN XX/XX/ XXXX XXXX XX/XX/ XX/XX/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