vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX confirms NO LETTERS after I confirmed there were two dated XX/XX/XXXX and one XX/XX/XXXX. He confirms I did Not make a fraud report UNTIL XX/XX/XXXX. XX/XX/XXXX is the first Credit Reversal of {$12.00} IT MUST HAVE BEEN REPORTED * PRIOR TO XX/XX/XXXX TO BE A CREDIT REVERSAL ON XX/XX/XXXX STATEMENT?? See attatched 3 USAA letters regarding USAA FRAUD CREDITS APPLIED. Kindly note ALL THREE letters confirm creditcard ends XXXX. See attatched XX/XX/XXXX statement Card ends XXXX. USAA reversed {$120.00} XX/XX/XXXX letter NEVER Creating New Purchases XX/XX/XXXX. I did not authorize OR REPORT FRAUD & {$210.00} XX/XX/XXXX NEVER REPORTED FRAUD confirming USAA CREDITS APPLIED back at beginning of investigations done on these two transactions. See attatched statement XX/XX/XXXX The ONLY CREDITS APPLIED WERE FROM MERCHANTS. USAA reversed credits NEVER GIVEN. USAA ( TEMPORARY CREDITS * ARE NEW PURCHASES ON MY ACCOUNT XX/XX/XXXX ) I DID NOT AUTHORIZE ANY OF THESE ( CREDIT REVERSALS NEW PURCHASES DISPUTES NOT IN MY FAVOR?? OR WHATEVER ) AND USAA DID NOT PROVIDE CREDITS ONLY MERCHANT CREDIT. See attatched letter XX/XX/XXXX {$470.00} CONFIRMING *** TEMPORARY CREDITS WERE MADE PERMANET. FRAUD CLAIM DATE XX/XX/XXXX **NO USAA TEMPORARY CREDITS CREDITS APPLIED PER STATEMENTS TO MAKE PERMANET in XXXX. This entire amount of the 3 letters TOTAL {$810.00} All Appear as NEW PURCHASES in XXXX see total New Purchases under Summary Activity. XX/XX/XXXX and All XX/XX/XXXX NEW PURCHASES XXXX ARE NOT AUTHORIZED. These same purchases I reported fraud are back again as NEW PURCHASES XX/XX/XXXX AS DISPUTES ** NOT IN MY FAVOR??? HUH?? they are Unauthorized. Now they ARE NEW PURCHASES?? WHY DOES USSA LEAVE CONSUMERS WITH FRAUD? Taking merchant credits for their own.???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is in reference to the overdraft protection I have for my checking account with Capital One Bank.

The site states that " there is no transaction history available and to call a number '' - already suspect.

When you try and pay off your overdraft amount online, the transaction does not go through and no follow-up information is provided. This delays payment and affords Capital One the opportunity to collect interest on the loan. I find this devious and inappropriate.

I called the customer service number on my own accord and was told that there was a known glitch in being able to pay off the overdraft protection amount. This has gone on for over a year. I believe it prudent to see how much money Capital One is making in interest with the " glitch ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received a letter at my home address that I opened a credit card under PayPal with an available credit of {$2000.00}. I called PayPal on XX/XX/2020 and notified them this was an act of fraud. They canceled the card. There was an email attached to this act that is not mine and I do not have access to. About a week prior I received a card in the mail from XXXX that I did not apply for. I also saw transactions on my debit card from XXXX that I did not complete. I called my bank and they credited my account and sent me a new card in the mail.

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 2020-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems added a derogatory line on my personal credit. I did not authorize to release my medical information.

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 2020-02-23 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Complaint Description : None Validation This company continues to reach out to me to collect on a hospital bill that isn't mine. I've asked for VALIDATION of this debt which is a signed agreement or contract with signature and they have failed to do so. I'm asking that the company stops sending me bills and do not report this none VALIDATED debt to the credit bureaus. The 30-45 days are up and the company havent VALIDATED the debt which is a violation of my consumer right. I am and will seek legal assistance if Credence Resources Management continues to harass me without Validating the debt. A bill is not proper Validation theres no legal signatures between myself or the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
I am a victim of identity theft. Someone opened a fraudulent Money Gram account using my name and personal information and I cant open up an account with Money Gram. I have never applied for a Money Gram account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
I am a victim of identity theft. Someone opened a fraudulent account with Western Union using my name and identity. I have never applied for or had any account with Western Union. I am not able to open an account with Western Union because of fraudulent accounts with Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
The debt in question was incurred in XX/XX/XXXX by someone that I don't know because my social security number and ID Was stolen. This debt first came to my knowledge when it went into collections in XX/XX/XXXX in the amount of {$870.00}. I began disputing the debt at that time and successfully had it removed, with acknowledgement from the original debtor ( XXXX ) that it was a fraudulent account and would be removed from my credit. This was completed in or around XX/XX/XXXX. Since that time, the collection has been removed from my credit and was no longer present. 

However, just a few days ago, on XX/XX/XXXX, I see that the same collections agency ( Southwest Credit Systems ) has reported the debt as a collection and reported the opening date as XX/XX/XXXX for the same amount of {$870.00}. This is COMPLETELY fraudulent as I have not had any account with XXXX and the debt in question was fraud, as stated earlier, and was opened in XX/XX/XXXX. The fact that this company is reporting this debt after 7 years is in violation of the FCRA and in addition to that, they are fraudulently reporting the date the account was opened as XX/XX/XXXX. 

Please have this removed as it has caused my credit to drop 56 points due to a debt that is fraudulent, does not belong to me, and was resolved nearly 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I was taken a look at my XXXX and I see I have a collection debt account for {$590.00} from TRANSWORLD SYSTEMS INC for XXXX XXXX XXXX  I have no knowledge of this company account with TRANSWORLD SYSTEMS for  XXXX XXXX XXXX  taken in XX/XX/2015 This collection on my credit report is hurting my credit score and I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover Financial Services continues to contact me regarding {$25000.00} of debt I owe to Discover Financial Services. I filed Chapter XXXX bankruptcy with the United States District Court of Minnesota Bankruptcy Court. The debt was completely discharged under Chapter XXXX. I dont owe Discover Financial Services any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A & O Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter delivered to a former residential address of mine from a debt collection company named XXXX XXXX XXXX ( CCI ). The letter was dated XX/XX/XXXX. The letter claimed I owed {$30.00} to XXXX, a utility company based in Illinois. I had never before received any form of communication regarding this debt ( no phone calls, letters, emails, etc. ). I immediately called CCI ( the number listed on the letter ) and spoke with a representative named XXXX XXXX. She looked up the provided account numbers, verified that the debt had been sent to them, but that they no longer had the account. She could not tell me where the account had been transferred, and recommended I call XXXX directly. I immediately called XXXX and spoke with a representative named XXXX ( she would not provide me with her last name or any other type of identification information ). XXXX told me the {$30.00} was allegedly owed on XX/XX/XXXX and issued in the form of a paper bill on XX/XX/XXXX for {$29.00} ( she could not explain why the new total was now {$30.00} ). I explained to her that I had had several years ago ( many years prior to XXXX ) had an account with XXXX when I lived in XXXX, but that all of those bills had been set up as automatic payments straight from my banking account. She told me that the debt had been transferred to CCI, to which I explained that they no longer had the account. She then said it must have been transferred then to another debt collection agency, but she could not tell me what company and admitted to not knowing who was handling the alleged debt. I then asked her if she could produce the original bill owed to show what services it came from or any proof that they had sent me notices of said debt, and also the different debt collection agencies they may have sent the debt to, since I had never before received any notification of this debt ( it's now nearly 3 years later at this time ). She put me on hold and spoke with a supervisor, and she told me that they would not be able to provide me any copies of the bill or services rendered, or any other proof of a debt owed. She also was able to confirm all of my personal information ( phone number and email ) and acknowledged that they could have contacted me through those avenues regarding the alleged debt. She also was unable to find any of the other debt collection agencies that the account had been sent to. She then recommended that I file a complaint with the CFPB because XXXX was unable to find or prove that I owed them any debt. I have not received any communications from XXXX or any other debt collection agency since then to present, XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc.
State: MN

Complaint narrative:
United Collection Bureau , Inc. Continues to contact me via phone and mail regarding a debt of {$27000.00} for XXXX XXXX Visa Card . I filed Chapter XXXX Bankruptcy with the United States District Court of Minnesota Bankruptcy Court and the debt was completely discharged under Chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I tried several ties to initiate a credit freeze with Equifax, using their website. Each time I received a " not allowed '' error, # XXXX. 
The help section of the website has only boilerplate questions but no telephone or email contact data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
I received an alert from XXXX  that there had been a change to my credit file. When I checked my latest report, I had a collection from " Security Credit Services '' for {$1000.00} with the original creditor listed as " XXXX. '' I DO NOT have an account with " XXXX  '' and I have received NO communication from " Security Credit Services '' regarding any unpaid debts! My credit score dropped 104 points and I am EXTREMELY upset!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I had successfully disputed an account I had in my collection account through XXXX XXXX last month. It was removed due to the amounts being incorrect and me having no knowledge of. Then as of XX/XX/2020, it had reappeared on my XXXX  and XXXX report as an entirely new debt collector. I've been in several attempts in the past to have this removed and have been getting the loop around never gotten followed back up with. Then I learned I could dispute. But it seems it worked then had been reopened and added back. It's becoming very irritating and I'd love for some assistance with the matter. The amount is XXXX and original creditor was XXXX XXXX now reopened in collections on my debt as Southwest credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: CREDIT WORLD SERVICES, INC.
State: OK

Complaint narrative:
CREDIT WORLD SERVICE Last reported XX/XX/2020 {$1000.00} Open balance XXXX UNIVERSITY XXXX XXXX Original creditor Report info Take a look at some options to help your score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CITIBANK! The worst bank that ever existed! I deposited money to my account ( around {$10000.00} or more ), after a while they froze my account and said they are closing my accounts due to the fraud I had recently suffered and ceased all my funds! They are not responding at the branch, their customer service is in XXXX, or XXXX or XXXX! When you call them they say they are holding my funds for review for 60-90 days (!!!! ) and let me know what their final decision will be! This is called XXXX  and an illegal - literal theft of my money! This bank needs to be shut down and closed forever. 
Waiting for your help to get my funds back and fining this financial institution!

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 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I received a Vanilla Gift Card for {$300.00}. I did not use the card until on vacation in XXXX. I used very little of the balance and still have the card in my possession. 

In XXXX, I checked the balance of the card to determine the remaining balance prior to using it again. 

I found that 3 unauthorized transactions occurred on XX/XX/XXXX. All three were paypal transactions. 

I called the 800 # on the back of the card and notified the company of the unauthorized transactions. They emailed me a claim form on XX/XX/XXXX, which I completed and returned by mail. 

I called around 30 days later and they claimed to have not received my forms. I received another email and returned via email on XX/XX/XXXX 

Vanilla Card declined my claim stating it was outside the 60 days allowed. As a gift card, I do not receive periodic statements alerting me to activity on the account. 

I responded several times since then, quoting their own terms and conditions, which state that if a claim is filed outside of the 60 days, they can deny the claim if I was negligent. 

Since I am in possession of the Card. I am not negligent. I did not authorize or perform those transactions.

Vanilla Card is bound by not only their own terms and conditions, but VISA 's Zero Liability rule. 

I would like your assistance in obtaining the refund due to me on the claim. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been going through the process of placing a credit freeze and alert on all of the big 3 consumer credit reporting companies. 

Generally, this has been straightforward : I make an account on their website, fill out my information, and click a couple buttons. 

Experian has not been so straightforward. When I make an account on their website, they refuse to allow me to use that account to freeze and place an alert on my credit. What they do is provide a service called a " Credit Lock '', which is a paid service that appears to be developed exclusively use to upsell uninformed consumers. It does the exact same thing as a credit freeze. 

However, they do also claim to provide the ability to place a credit freeze online. However, instead of using my existing online account with them like the other two organizations, this credit freeze requires me to re-enter all my information. Which would be fine, although annoying, if they were asking me to enter my information in good faith. 

They are not interested in acting in good faith however, because even when correct information is entered, they say that " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' Instead, they ask me to spend a significant amount of time searching for documents that they want physically mailed to them. And then ask me to mail more documents to them to place an alert. 

This practice is incredibly anti-consumer and appears to be specifically designed to make the process of not paying them for the legally-mandated credit freeze and alert as difficult as possible.

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 2020-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to TransUnion a copy to XXXX  and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX  ) INQUIRIES ARE XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 2020-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
I was taken a look at my XXXX and I see I have a collection debt account for {$480.00} from AD ASTRA RECOVERY SERVICES for XXXX I have no knowledge of this company account with AD ASTRA RECOVERY SERVICES for XXXX  XXXX taken in XX/XX/2017 This collection on my credit report is hurting my credit score and I would like it removed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
mailed a letter to verify debt, company didn't respond at all

Company response to consumer: Closed with explanation