vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was charged with a payment of {$740.00} by XXXX  XXXX  for a XXXX XXXX Promo Purchase on XX/XX/18. 

As soon as I noticed the charge I called in and spoke with a customer service representative for about 40 minutes. They said that the purchase was made at a XXXX XXXX store but never verified which store this was. That was odd to me but XXXX made it clear that they would work to fix the issue of fraud by the end of the long conversation. 

I called in to XXXX  in XXXX to receive an update on my case because I hadnt once received any literature about the current status of my complaint. They said that they were working on it and that the store had up to 90 days to respond. 

I sent an almost duplicate message via the online portal of XXXX XXXX  in XXXX and the response was the same. 

I checked my account today and I see that now the provisional credit was taken off and I have been officially charged. 

When I called into the bank today, they said that they verified that the charge was valid because the store sent them a copy of the receipt with my signature on it. I thought this was again interesting and I again asked what was the store, they said I would have to speak with people from the dispute team. I asked to be forwarded to them and they said that wasnt possible and that the dispute team doesnt talk to clients directly. This was infuriating to me that someone would tell me that a fraudulent charge was valid but still not be able to AT MINIMUM tell me where the purchase was made. 

An account supervisor was put on the phone after the rude service representative couldnt tell me why this was valid and essentially had the same attitude. But weirdly enough, now the account exec said that the purchase was made online. I asked if made online then what address was it received at. I also asked, how could I make an online purchase and then have a signature to compare it to. Neither questions were answered and she was rude and dismissive as well. 

Safe to say that XXXX XXXX has not given me, a customer of 3 years a decent amount of respective, courtesy or compassion when dealing with this manner that clearly doesnt make sense but is attempting to make me continue to pay for it financially and through overall credit availability. This is discussing and I dont think I want to deal with a company that values their customers in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX Portfolio recovery Associates contacted me in regards to a XXXX XXXX account and a XXXX XXXX account. They informed me that I owed them money for these XXXX accounts and initially, without verifying, started making payments. Upon extensive review of my credit report, the XXXX XXXX account was in good standing and closed as of XXXX and they refused to validate both debts. I sent them debt validation letters XX/XX/XXXX and told them to no longer contact me until I receive written documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Midwest Recovery Systems
State: MO

Complaint narrative:
Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted Midwest Recovery Systems who is the collection company handling the accounts. I've asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that MRS looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. XXXX by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. 
Midwest recovery systems XXXX XXXX XXXX XXXX United States Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Results Unlimited is ruining my rental history with a collection account that is apparently in my name somehow. After multiple attempts, they still refuse to provide proof of the debt owed. Therefore under consumer protection laws the debt in my name must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: CA

Complaint narrative:
On XX/XX/2018 I sent a correspondence to Equifax via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018 and signed for. The correspondence was in regards to an account on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent onXX/XX/XXXX to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX BANK where they admit that I was not responsible for the alleged account after an investigation ; this other account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have XXXX business days to remove the account/item after the police report is received. It has been more than XXXX business days since it was received on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Problem : payment was not accepted, payment was returned several times. Each time a returned payment fee and interest was charged to my account. 
They cancelled any future payments from my bank, this is the only bank account I have. My bank could not understand their reasoning or problem. I submitted my bank routing number, check number, etc. 
I attempted to pay via phone. The payments were made ( XXXX times ) by phone with a Chase specialist assisted provided by Chase. Each time the payments were rejected and fees and interest was added to my account. 

The companies involved : Chase Card Member Services XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I located a potentially fraudulent revolving account on my Experian credit report and I have no idea what it is. 

ACCOUNT DETAILS Account Name XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Balance {$5300.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$100.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving

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 2018-07-27 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, it has come to my attention that XXXX XXXX XXXX has reported to all the credit reporting agencies such as XXXX, XXXX & XXXX that I'm not making any payments where in, Portfolio Recovery Associates, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that Portfolio Recovery Associates accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. Portfolio Recovery Associates, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact Portfolio Recovery Associates since they are the XXXX responsible in reporting the account to the credit reporting agencies. I did call Portfolio Recovery Associates but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXXXXXX  & XXXX  to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that Portfolio send me a notice in writing that they have already fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/XXXX I purchased a mattress at the XXXX XXXX XXXX store in XXXX, LA. At the time of purchase I was told I was eligible for XXXX months deferred interest payments if I applied for an XXXX advantage credit card. My salesmen, the store manager, and financing specialist all promised this, my husband was present and was promised the same. I had been paying on my balance to have it satisfied in about XXXX months. However, on XX/XX/XXXX I received my statement from XXXX XXXX   noting my balance had increased by {$860.00}. After logging in to view my account history I saw that my promotional period had ended and the backlogged interest had been charged to my account after on XXXX   months.

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 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX calls within the last day. In the middle of the night and early morning. I don't have 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 2018-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NE

Complaint narrative:
My husband and I were out of town without money and I looked up online a site that helps you find a loan right for you. When I came across this site it was one that was chosen. I do not remember the site that helped in finding this one. We got approved for XXXX right away and the money was deposited. It asked for my husband 's information including bank account so we assumed it would be taken out on the specific dates. They never have taken out a payment and we didn't realize that it was a 466 % apr! I have never heard of a company being able to do that! Needless to say we are heartbroken we have now a loan that we owe for {$1900.00} for a {$1200.00} loan. We are already struggling and then this happened. There is no where to pay it off online and my husband works the hours that he needs to call. When I called they said they could not speak to me and he has to call. while waiting on the phone the recording said to pay off online go to XXXX. but when someone answered, she said that he could not pay it off online but others can? Very confusing. And now we are going to be out of money by paying hundreds more! I'm worried that this is going to affect our credit and our hard earned money is going to a bunch of scammers! I cant even find an acct number.

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 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Solutions, Inc.
State: MO

Complaint narrative:
Receivable Solutions LLC  XXXX I receive calls nearly every day from this company, they never identify themselves in voicemails so I researched the number and it comes back to Receivable Solutions. They leave messages indicating I owe a debt and never indicate what it is for. I have an excellent credit score and owe nothing to this company. I have asked them to stop calling. As soon as I pick up the phone they refuse to identify themselves and ask for me to very my address and provide CC information. I'm not sure what kind of scam this is but I assure you I owe them nothing. After researching their name they appear to offer collections for XXXX Hospital, any medical bills that would be billed to me by XXXX were paid to XXXX. I am exhausted by their constant calls and tactics. I think they are trying to get duplicate payments for items already paid to the hospital!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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 Motors Financial Company, Inc.
State: TX

Complaint narrative:
Vehicle was deemed a total loss after hurricane harvey and gap insurance paid remaining balance but it was reported as a repo and my credit score dropped XXXX points ... .the balance was paid in XXXX {$220.00} and it is still not been removed. This was a natural disaster area and they put my payment history as late ... as a result my interest rates have skyricketd

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 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: The Bureaus, Inc.
State: CA

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, it has come to my attention that Bureaus Investment Group has reported to all the credit reporting agencies such as XXXX, XXXX  & XXXX  that I'm not making any payments where in, XXXX XXXX XXXX, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that XXXX XXXX XXXX accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. XXXX XXXX XXXX, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact XXXX XXXX XXXX since they are the one responsible in reporting the account to the credit reporting agencies. I did call XXXX XXXX XXXX but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXX & XXXX to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that XXXX send me a notice in writing that they have already fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This is in reference to a previous case XXXX regarding ChexSystems. 

I would like to clarify my dispute for this company I placed a security freeze on file with chexsystems last year. The reason for this is credit unions are generally used for credit products but require a share into savings. Sometimes if just wanting an auto loan or credit card or loan product will allow you to continue with chexsystem frozen because they run your credit through a bureau. 

My dispute is quite simple. 

During the time the report was frozen, you are still recording inquiries as if they viewed the chexsystems file. I understand the data was not shared but because you are recording the inquries under " inquiries viewed by others '' it impacts my file. 

Lets say I decide to unfreeze and the next CU I apply at reviews my file. They will then see all these other inquries into my chexsystem file because they are under that section while in reality they did not even see my chexsystem file. In addition, inquiries are calculated into your score which according to FTC, while in a security freeze this will have no impact to your score. If you want to keep record of it that is fine however this needs to be put under the section only reviewed by you. Which is 100 % true since those companies were not able to see my file. 

Finally, many pulled multiple times because they were trying to access file. Example would be XXXX XXXX XXXX and XXXX. 

For you to record the data into the section viewed by others when they actually never saw my file is not accurate and therefore reporting inaccurately. All the other credit bureaus when you have a freeze or a lock will let you know you tried to access file but keep no record of it in the section viewed by others.

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 2018-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
There was not a specific option for my issue. 

My daughter went to college, I co-signed her loans. She failed to pay the so I am stuck with them. One specifically is being paid to XXXX XXXX, they were in the middle of a lawsuit/settlement due to not being able to provide proof that they in fact own the loans. 

I have never seen a document from them proving that I in fact own them the loan? 
Amount is around 40, 000?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: IL

Complaint narrative:
XXXX XXXX XXXX Ohio Stated I opened account XX/XX/XXXX and open another account XX/XX/XXXX. There is no outstanding balance. 

This information is incorrect.

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 2018-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My card was charged with using XXXX and XXXX XXXX back on Earlier in the month of XX/XX/XXXX cant remember exact dates but my card was used by ex boyfriend XXXX XXXX birthday XX/XX/XXXX I believe is the correct information

Company response to consumer: Closed with explanation