vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I XXXX XXXX attempted to call Pro collect on XX/XX/XXXX to make a settlement for deletion with Procollect. A week prior to this i called and spoke with a lady who informed me the offer was valid and i was able to make a settlement, this time when i called they informed me that i was sent an offer to settle for deletion but missed the deadline. The balance was due in full. I informed them i would not be making full payment, but instead insisted the offer i was sent and spoke about. They would not honor the offer and the verification of their employee. They informed me i was being recorded so i know for a fact they have record of that conversation. I would like to settle for a deletion from credit repotting agencies. They call my place of employment and during after hours which is also a violation of the laws set forth. Upon ending the phone call the lady informed me i would be marked as a refusal to pay, Im not refusing to pay, I just want the offer that was extended to me. Not a bait and switch

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX XXXX suffered a major security breach which leaked the personal data of over 143 million Americans. My information was leaked in this breach, my Name, Birth Date, Address, Phone Number, Social, as well as my Driver Licenses Number. As a result of my personal information being compromised, I have become a victim of identity theft leaving several accounts listed on my credit report with XXXX, XXXX, and Experian that I did not authorize. My overall creditworthiness has been destroyed, as a result of XXXX  not taking the proper security actions, when they were initially warned that this breach might occur. 

The Fair Credit Reporting Act requires that these accounts be removed as soon as possible from my credit file. If these accounts are not removed from my credit file, My lawyer and I will move forward to in court on XX/XX/XXXX to file suit with all companies involved in this incorrect reporting. 

The following information should be removed as soon as possible. 
XXXX/XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  The following addressess should also be removed from my credit file as soon as possible : XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: MI

Complaint narrative:
On XX/XX/2019, I received two letters from NPAS , Inc., claiming the existence of medical debt totaling {$35.00}. As the letter indicated that the debt had been purchased from a local primary care network, I contacted their office and was informed that they had never referred my account to a debt collector. 

I therefore sent a letter to NPAS via USPS Certified Mail ( tracking number XXXX ) requesting verification of the debt. Tracking information confirms the letter was delivered on XX/XX/2019. 

I did not receive any further communications from NPAS until XX/XX/2019, when they sent another letter claiming that I still owed the same debt that I had previously requested verification of, this time in the amount of {$17.00}. 

At no point have I been given any reason to believe, or any evidence supporting, NPAS ' claims about the debt 's validity or existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
In XX/XX/2019 I opened both a checking account and a savings account with HSBC, for the purpose of meeting the requirements for the respective signup bonus offers. I met the terms for the 90 days and then maintained the accounts for an additional 90 plus days in order to avoid the early termination fees. In late XXXX or early XXXX I called the bank to close both accounts and was told that it was taken care of. In XXXX I received a collection letter stating that I owed a {$15.00} overdraft charge. Apparently the checking account had not been closed per my instruction ; and since I had transferred all the $ to my other bank, HSBC charged a {$15.00} maintenance fee which of course was overdrawn. I called and was told that this was resolved, yet once again on XX/XX/XXXX I received another letter. I was given further confirmation that this problem, both the account not being closed and the overdraft being removed, has been resolved but I don't trust the bank to not send me another letter come this spring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: NY

Complaint narrative:
One of 2 accounts ORIGINAL creditor XXXX XXXX/ credit card sold account to XXXX XXXX XXXX . Balance was incorrect. Account was paid off, for amount reflected on last collection letter. XX/XX/XXXX. Second account XXXX XXXX/ credit card. In house collection agency XXXX XXXX. Was paid in full for total amount due. XX/XX/XXXX. I uploaded and sent proof of account paid in full with initial letter received from. Original creditor. My report was disputed. As well as investigated. The information was not Corrected, as of XX/XX/XXXX. Also submitted proof of balance on XXXX/ credit card account bought up to date {$0.00} balance as of XX/XX/XXXX. Report still indicates balance on this account is still {$340.00} against my secured line of {$1000.00}. Credit. Information is not reflecting my account settlements as per information received in writing from creditor. As well as my existing account with XXXX, balance is {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied American Express XXXX XXXX XXXX Credit Card on XX/XX/XXXX. It did not show any pop-up dialog to indicate ineligibility of the welcome bonus. After two months, I was able to meet and exceed minimum spend, but they said I am not eligible for the welcome bonus because of the credit history or something else. But I did not have the same credit before. The only card I had in American Express is Gold gard I applied 10 months ago. I used Gold card very often every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Discover Financial Services in the past, but they have failed to give me a fair solution to my issue. I have a Discover account XXXX, Opened Date XX/XX/2013, Credit Limit {$1000.00}, Balance : {$0.00}, status : closed. 

Discover Financial Services has been reporting incorrect information to the credit bureaus. I paid this accunt several years ago and they are reporting a recent last payment date. Also, they have failed to provide me with an answer to my letter sent back on XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. 

They are being Unfair and Negligent. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This is affecting me physically and mentally and I want a fair solution to this issue. 

I am demanding a deletion letter from Discover Financial Services and I want them to stop collection activity on this account that is already closed and paid. If they dont provide me with the deletion letter that I an demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. 

See attached documents sent to Discover Financial Services, which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
As seen in the attachments I have emailed since XX/XX/XXXX or earlier, walked into the office several times before that, and called the collectors and IL offices more times than I can count in the past year or more! I have no clue about the XXXX usage, let alone any ongoing overpayment. Even up until XXXX you guys say I've been using link I HAVE PROVEN DENIAL LETTERS From XXXX to XXXX.I 've asked for proof of pin, some kind of dates vs payout vs my paycheck to atleast understand the amount owed. When I was in school I tried to get it & was denied, XXXX in XXXX I was under my grandma 's info/a minor XXXX XXXX XXXX and my benefits & I wasn't even close to working full-time plus I was in school! XXXX applied 3 times!! Denied and I faxed the letters as asked! Wasn't approved until I moved in XX/XX/XXXX ONLY FOR HEALTH CARE but declined myself because I moved BACK TO GA after XXXX let us all go due to bankruptcy. I have reached out over 89 times these emails aren't even a fraction of phone calls and letters ( I should had copied before I sent )! Every one says I Have the wrong department NO ONE HAS GIVEN ME CLEAR PROOF or attempted to help me understand. I was told if i thought it was fraud to report it, then the department told me you can't sue a deceased person because I'm sure you are just trying to get from me what my grandma or that address may owe. So I set up a freeze and fraud alert which to this day is in effect. I have been more than cooperative and you can clearly see how I was ignored and just brushed off due to assumptions! I have been denied credit cards, car loans, etc since this has hit my credit and since I've had to keep this freeze on my account until this issue was resolved. YOU XXXX act like I'm not trying I just want to understand I truly do not get this amount or where this came from!! You have logs of denied applications. Please just remove it. Idc about compensation just remove the XXXX made up XXXX   uncle Sam debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WA

Complaint narrative:
Back on XX/XX/XXXX I went to XXXX XXXX  in the XXXX XXXX to use my Direct Express Master Card and was going to withdraw {$360.00} out of the drive up cash machine. The bank wanted a {$4.00} service charge so I cancelled the transaction and never got the {$360.00} cash out of the machine. Only 9 minutes later I went to XXXX  XXXX XXXX  and withdrew the {$360.00} out to pay my part of the rent with. On the XXXX of XXXX I had a reversal debit charge of {$360.00} and I filed a dispute with Direct Express and they sent me a final determination paper telling me there was no error made. So I called back the dispute dept. the same day I got the final determination paper back and they tried to tell me that I received the first {$360.00} out of the machine and I did not. I have called them and spent hours on end on hold with them fighting this dispute and they said I may request a copy of the documents with were used in determining the final outcome on my paperwork but every time I ask for the documents they say they mailed them to me and I never get them. I have been on hold with them on this number XXXX over 800 minutes in 2 months time. I only get {$510.00} a month SSI so there was no way I could have got two {$360.00} transactions within 10 minutes. I never have that much money in the bank. Direct Express has over 1000 complaints with the XXXX  and other places about missing money, bad customer service etc. I wanted to file another dispute on XXXX but after contacting them, they said they have made the final determination and no error occurred on my account and the case was closed and I can not file another dispute. My Dispute Tracking ID # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I received notification that a fraudulent inquiry was placed on my Equifax report. Someone fraudulently attempted to open a XXXX XXXX  account ( credit, I assume ) in my name. I did not authorize the inquiry. I have called XXXX and asked them to remove the fraudulent inquiry. I also disputed the fraudulent inquiry with Equifax. They quickly returned a response that said that the information was verified as accurate. Obviously they did not attempt to really investigate it as there is no way they could have conducted a thorough investigation in less than a day. Also, they probably just reached out to XXXX who just verified that yes, someone used that Social Security number to open the account. That isn't the point. The point is that I am telling them that it was done fraudulently - without my authorization - and therefore they MUST remove the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
One of 2 accounts ORIGINAL creditor XXXX XXXX/ credit card sold account to XXXX XXXX XXXX XXXX Balance was incorrect. Account was paid off, for amount reflected on last collection letter. XX/XX/XXXX. Second account XXXX XXXX/ credit card. In house collection agency XXXX XXXX. Was paid in full for total amount due. XX/XX/XXXX. I uploaded and sent proof of account paid in full with initial letter received from. Original creditor. My report was disputed. As well as investigated. The information was not Corrected, as of XX/XX/XXXX. Also submitted proof of balance on XXXX/ credit card account bought up to date {$0.00} balance as of XX/XX/XXXX. Report still indicates balance on this account is still {$340.00} against my secured line of {$1000.00}. Credit. Information is not reflecting my account settlements as per information received in writing from creditor. As well as my existing account with XXXX, balance is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I placed an order on XX/XX/2019 through XXXX  XXXX for a set of struts and shocks. After about two weeks and no update I contacted the company regarding my order. On XX/XX/2019 I spoke with a representative who said the items I ordered were on backorder. I let him know that I did not want to wait and wanted my order canceled. The same day I went ahead and ordered from a different company. About a week went by and I had never received a refund from XXXX  XXXX for the order I had placed. I disputed the transaction through my credit card holder. LL Bean Mastercard. After several weeks I received a letter stating my dispute was resolved in my favor. Within a couple of weeks I received two shocks by XXXX and I was notified by LL Bean Mastercard that the credit had been reversed because XXXX  XXXX provided documentation showing that my order was never canceled and they had shipped me my order. They shipped the two shocks after the dispute and it was only half of my order. I contacted XXXX  XXXX  and told them I no longer needed their product and that I wanted to return it and receive a refund. I was provided a return shipping label which I still have a copy of. I returned the two shocks and have the tracking information to prove it was sent back and received. XXXX  XXXX never issued me a refund. I disputed the transaction a second time and it was immediately closed by LL Bean Mastercard with no explanation. I have opened a dispute regarding this transaction multiple times with no resolution from LL Bean Mastercard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a credit limit of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called XXXX  and XXXX  on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector Caine & Weiner Co and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax, XXXX, and XXXX  are falsely reporting information on my credit report. I have inquiries on my credit report that was not authorized by me. I have not received any credit from these creditors with the listed dates. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: MO

Complaint narrative:
XXXX, XXXX, and Transunion are falsely reporting information on my credit report. I have inquiries on my credit report that was not authorized by me. I have not received any credit from these creditors with the listed dates. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX- XX/XX/2019 XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: MO

Complaint narrative:
XXXX, Experian, and XXXX  are falsely reporting information on my credit report. I have inquiries on my credit report that was not authorized by me. I have not received any credit from these creditors with the listed dates. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XX/XX/XXXXXXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX- XX/XX/2019 XX/XX/2019

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