vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I first became aware that there is XXXX Credit card opened in my name when I received letter from XXXX XXXX dated XX/XX/XXXX, stating that my account has been closed due to continued security concerns Shortly after I received another letter dated XX/XX/XXXX where it looks like some activity initiated from XXXX has been stopped. After this I received a statement and request for a payment from XXXX XXXX   in the amount of XXXX. 

I called them immediately and reported this as a credit card fraud and possible identity theft. I have provided as much information as I could at a time and they conducted their investigation. On XX/XX/XXXX they informed me that they can not find any bases to support my claim and that i must start repaying. 

I called them and they reopened investigation, and apparently still found no bases. I called them again and had lengthy discussion with their supervisor ( XXXX ) He did not provide much information to me on which they based their decision. I was able to get few things from him. First several payments were made to them, mostly by money order, but one by bank transfer ( he would not say what bank or whose name was on bank ), they mailed a number of statements to the address I verified ( first time I heard of the bank was from XX/XX/XXXX correspondence ). I requested information verbally and in writing but nothing was ever provided to me. 

Since then I have filed Identity Theft Report with Federal Trade Commission and signed up for XXXX  Protection Now my credit scores are going down and I started receiving harassing phone calls from bank collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/2018 I contacted XXXX for a fraudulent inquiry that was placed on my credit report. I completed mailed documents that they required and also contacted the credit bureau on three different ocassions and it has not been resolved and removed and has tremendously affected my credit. I also received another fraudulent XXXX   charge that I never requested. I feel that something fraudulent is going on with pay pal. Several of my family members reported several fraudulent XXXX charges recently. They have not corrected and removed the fraudulent inquiry and it is now XXXX over 90 days and that very poor abusive and illegal service.

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 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One retaliated because of cancelation ... they recieved the XXXX that was owed them on time, but are trying to say it was late, and that now {$50.00} is owed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit score is being reported on XXXX and XXXX but not on Equifax. I verified with my bank that they are reporting the score but when I called Equifax they say that they can't locate my credit history. I have had credit checks failing because of this. Can you please help me fix this? 

I called Equifax & my bank ( XXXX ) a month ago. XXXX did not have my SSN on file, so they updated it. In the meantime I also got a XXXX card which again started reporting to the other two bureaus. I got in touch with Equifax today and they still don't have any information about me. How can I get my credit lines synced across the 3 bureaus? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XX/XX/XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX  in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and  XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.

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 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX  vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.

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 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc.
State: FL

Complaint narrative:
My wife has been receiving phone calls from Everest Receivables Services. We have looked up the company and it states it is a debt collection agency. We do not have any outstanding debt that would require services of a collection agency. 
We have attempted to block their number ; however, they would call from a different number. My wife has deleted most of their phone numbers. Here are two of the numbers that they have used to call us : XXXX and XXXX. 

We want this company to stop calling us.

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 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is the second request for TransUnion to remove the XXXX XXXX XXXX account number XXXXXXXX XXXX that is past the statue of limitations. They responded to your company that they were investigating but when I received the response they still have it listed. I have included a copy of their response as well as the initial report showing it is past the 7 year mark and is going on over 8 year. Their response only shows the payment from XX/XX/XXXX and at that time it was 120 late. That alone would indicate that it had to be at least 90 days late in XX/XX/XXXX, 60 in XX/XX/XXXX and 30 days in XX/XX/XXXX and that is the best case scenario. The initial credit report from the lender showed date last active was XX/XX/XXXX which that was not the case either. It also shows that the account was over 90 days as of XX/XX/XXXX again therefore making it 60 days in XX/XX/XXXX and 30 days XX/XX/XXXX so next month that will make this account 8 years over a year longer than it should be reporting.

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 2018-08-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LoanCare, LLC
State: GA

Complaint narrative:
I've received numerous letters from XXXX XXXX XXXX, XXXX. I have no contractual agreements with XXXX XXXX XXXX XXXX. I've required LOANCARE, under the burden of proof, to show where we had a contract, or show where they have given me or my estate, XXXX XXXX, Estate, XXXX XXXX and they never responded. I suspected fraud. LOANCARE is now represented by XXXX XXXX, who is now attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I DO NOT TO OWE ANY ANYTHING TO XXXX XXXX XXXX XXXXXXXX, NOR DO I OWE ANYTHING TO XXXX XXXX. All of this attempting fraudulent claims against XXXX XXXX is against my will and consent.

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 2018-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I purchased my vehicle at XXXXXXXX XXXX  XXXX XX/XX/XXXX and financed my car with them. I paid of my car on XX/XX/XXXX. I never received the title to my car. Toyota Financial Services told me to go to the DMV and get my title. They told me to do this and I went 3 times to get my Pink Slip. XXXX with Toyota Financial said she has made numerous calls and still can't get it. DMV in XXXX said that XXXX XXXX XXXX has the title and they are the ones that need to release the lien. I called XXXX XXXX XXXX   on XX/XX/XXXX and they said they would have the lien released. Never got it. I called XXXX XXXX XXXX on XX/XX/XXXX and XXXX said she would sent an email to the collateral dept to get the release of lien. Never got it. I called today XX/XX/XXXX and now XXXX XXXX XXXX said they don't have any records. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have ask the company to remove wrong name in adderss wrote of my credit file, this is the only company that is still report me with multiple names in address, have send in supporting document with my name in also address correct,

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 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2018 I received a payment in my PayPal account for a item I sold for {$370.00}. PayPal promptely put a hold on the funds for 21 days. On XX/XX/2018 the money was realeased to my PayPal account. On the same day I transferred the money into my checking account at XXXX XXXX. I was then told by PayPal there would be another 24 security hold before the money was transferred. Today XX/XX/2018 the money was still not in my XXXX checking account and my PayPal account is showing a XXXX  balance.I called PayPal and was told that the money was in a clearing house and it would be another 5-7 business days before it would get to XXXX XXXX. We are now looking at at least a month to get my money. And PayPal keeps changing the story. Since the money is not showing in ether account, I can only conclude it was stolen by PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/XXXX, we had received a promotional offer from Wells Fargo on our email as we are customers. The offer was for a Balance Transfer with these terms : 15 months interest free ( 0 % ), for a 5 % fee. 
We have kept the email with the offer. We called on XX/XX/XXXX, and requested this offer. On XX/XX/XXXX, we noticed that we were being charged interest on this transfer. We called Wells Fargo and talked to Supervisor XXXX. He looked into it and said the request had been improperly processed as a Cash Advance. He told us that he would submit it for correction. He said to give them a few months and we would see the correction made. Meanwhile, he advised us to make minimum payments until it was corrected. We waited until XX/XX/XXXX and called back because nothing had been done. We talked to XXXX, who said it was a 'bucket change '. He switched us to XXXX in Customer Care. Then we were switched to XXXX, who said the Case Manager, XXXX would call us within 24 hours. We received no call. We called back XX/XX/XXXX and were told that XXXX had tried to call, but our line was busy. Our call history showed no missed call. We were told that XXXX would contact us when it was resolved. It has been six months, and we feel they are not going to help us. Meanwhile they are charging us interest as if it is a Cash Advance at 23.99 %.

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 2018-08-10 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: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
XXXX claims i owe {$90.00} which i do not. I have disputed via XXXX XXXX cbr 's disputes 3 times and it still remains on my credit. every time i have disputed the item it seems to go to a new " collection company as a new debt? and one of which i do not owe! '' what this indicates to me is rather than providing proof and or any information as to why this debt is owed, or taken off my credit it goes to a new " vendor ''. First it was XXXX, then went to XXXX XXXX company now it is showing under southwest credit systems. I have said i would even pay the debt that i do not know to get it off of my credit however apparently that is not an option. i have been sent no verification of when this supposed debt occurred, why they state I owe it etc. 
I have attempted to resolve this issue however it will not go away and just keeps coming up under different collection companies as a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: NC

Complaint narrative:
1. I opened an account in response to a promotional offer 2. Complied with requirements of the promotion - deposited $ XXXX by required date 3. The Bank is refusing to give me the promotional bonus of $ XXXX 4. Bank 's claim is that I had a previous account 5. Previous account was closed by Bank employees, due to on-line transfer issues, and Bank employees opened the new account 6. At the time I transferred the funds, XX/XX/2018, Bank employee ( I have the Name and Reference numbers ) assured me that the bonus will be paid 7. A subsequent phone call on XX/XX/2018, I was further assured that fund transfer is completed as required and Bonus will be applied to the account 8. After numerous correspondence, no action has been taken 9. I have not received any response to a letter to Ms. XXXX XXXX, Executive Vice President/ Chief Marketing Officer on XX/XX/2018 2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HW Holding, Inc
State: IL

Complaint narrative:
On XX/XX/2018 Hunter Warfield a collection agency called my mom who is a co signer for a leased apartment about a debt that I owe them. They violated several articles of the Federal Debt Collection Practices Act ( FDCPA ).

1. They called a house number that was never given to them and spoke to my moms estranged husband ( third party ) and the gave him personal information about this debt. His name is no where on the account and has not been given permission by my mom or myself to discuss this account as they are separated.

2. I've already set up an agreement for payment to the account and asked them to no longer call my mom on this account. My mom is elderly and they called her with threats and scare tactics in order to get a full payment out of her at that moment.

3. They threaten they would put a lease on her house which she no longer lives in because she is estranged from her husband 4. They told her she will never be able to lease or get another place to stay.

5. They told her interest and fees where being added daily and that the longer its not paid that it will cost more. And that the debt is edging up towards {$6000.00} ( false I was told {$5600.00} ) FDCPA clearly states that a collector can not misrepresent the amount. And that they can not add interest or fees not added in the original agreement. I signed a lease with a apartment complex not with Hunter warfield.

They used abusive language towards my mom trying to scare her into giving up her money and use the threat of taking a lien on her house to scare her even more.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been attempting to get this defaming information off my credit report and the bureau continues to say re-investigation in progress since XX/XX/2018. Every month it's the same re-investigation process for the past 5 months now. The bureau has not sent me any verifiable proof with my signature to prove the information reported is accurate.

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