vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2019, I disputed an item billed to my account in the amount of {$910.00} based on the quality of services I received. I had purchased entry into an establishment which had falsely advertised a XX/XX/XXXX show. Due to the amount of money involved and because our special occasion had been ruined, I contacted the merchant to advise of my problem. The merchant was initially unresponsive, but then slow to come around and try to help me. I called the credit card company to ask how much time I had to file a billing dispute since I was trying to work with the merchant. They told me that I had no time limit to file it. When the merchant finally admitted to wrongdoing, it attempted to comp me another night at the establishment. I advised the merchant that I did not live in the area, that I was only there for a special occasion, that this special occasion had in fact been ruined due to their false advertisement, with guests who had flown across the country to be there, and I asked for a credit back to my account. The merchant again became unresponsive. This time I called the credit card company back to initiate the billing dispute. The merchant had gone back and forth with me, but in the end had resolved nothing and became unresponsive. The credit card company began an investigation and issued a temporary credit. I sent in all email correspondence to them with documentation of the false advertisement. In XX/XX/2019, I received the results of the credit card company told me that the results of the investigation told me that they could not help me because 1. ) the time had elapsed in which they could take back the money from the merchant ; 2. ) that I needed to have something in writing from the merchant agreeing to credit my account. I told the credit card company that I was given the wrong information by the representative when I initially called, that they had in fact told me there was no time limit to file a dispute. Second, the credit card told me that the merchant 's offer to comp me was not enough for them to protect my account and give me a credit. I let the credit card company know that this is why I was turning to them for help, because I was unsuccessful in getting the merchant to do it. If I had to get the merchant to agree to a credit or refund, then what protections is my credit card offering me? Why would I need to seek their help if part of the requirements are that the merchant must agree to a refund or credit in a dispute? This defeats the purpose of a dispute. I called in recently wanting to pay off my card and sought to again speak to someone about this, because it seems like an unfair practice what happened. I was given the same information. The credit card company is unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom it May Concern : I made an appointment with XX/XX/XXXXXXXX XX/XX/XXXX for an annual exam to get prescriptions for monthly medication for heartworm, and flea and tick preventative, and a heartworm test. I asked if they had a vet that was familiar with XXXX XXXX skin issues ( which were not serious at the time ), and was told that I should see XXXX XXXX. 

I was given false information from the vet and the vet technician regarding the medication that was recommended. I followed the vets instructions exactly. As per the vet, I was to contact her in three weeks for a follow-up consultation. 

My dogs skin issue got increasingly worse. When I tried to contact the vets office, they were closed with no date for reopening. I also needed to fill a prescription ( via phone or fax ) for XXXX and XXXX. I had no other decision except to get an appointment with another vet to both check my dogs skin problem and to be able to fill necessary prescriptions. 

XXXX XXXX XXXX never contacted me regarding my dog. The only call that I received was to discuss the disputed Care Credit charge. The receptionist refused to let me speak to the vet. 

When I received the decision from Care Credit ( Synchrony Bank ), the statement from XXXX XXXX XXXX office was full of lies. And I have never received another call from their office. 

I have never disputed a credit card charge, but I felt that I had no other option. I paid a lot of money for medication under their misled guidance, had to pay for another vet appointment in order to get him looked at, and to order prescription medication. There is a principle involved they should not be allowed to falsely recommend costly medication, the animal gets worse, and there is no follow-up discussion. Also, my dogs preventative medication needed to be ordered. And it appears that they do not care. 

Thank you for your time and understanding. 

XXXX XXXX Note : Please see the attached documents for more detailed 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 2020-11-17 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: NV

Complaint narrative:
I got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.

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 2020-11-17 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: LEXISNEXIS
State: GA

Complaint narrative:
on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CBC Companies, Inc.
State: GA

Complaint narrative:
on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I don't recall this account and it's reporting CAPITAL ONE BANK USA N # XXXX in accurate information. On XX/XX/XXXX report " Legally Paid '' with inaccurate history ; XX/XX/XXXX reporting Charge-off with Paid On-Time for all 2020 ; XXXX  has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I sent out a debt validation letter and received a response on XX/XX/2020 they didnt validate the debt the company only sent out a list of the accounts and amount of debt. Than i sent a failure to validate letter i received a response on XX/XX/2020 with no valid information or contract they sent the same letter that they sent on XX/XX/2020 2020

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 2020-11-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a XX/XX/XXXXcredit card, account number ending in XXXX. This account is showing as a charge-off and it is derogatory on my Experian credit report. I recently paid the account off, but it hasnt been updated on my credit report. Experian says I cant dispute this account anymore and says that I still owe a balance of {$1000.00}. 
I have proof that I paid the account off. 
I contacted XX/XX/XXXXXXXX about the account and they stated that the account is managed by XXXX XX/XX/XXXX. XXXXXX/XX/XXXXXXXX is a collection agency. 
I contacted XXXXXX/XX/XXXXXXXX law firm and paid the remaining balance of {$850.00} to close the account. I have the receipts and the account number with XXXX XX/XX/XXXXXXXX law firm. 

XX/XX/XXXX XXXX account ends in XXXX XX/XX/XXXXXXXX account : XXXX Confirmation number of paid off account : XXXX XXXXXX/XX/XXXXXXXX collection agency phone number : 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 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.

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 2020-11-17 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: NV

Complaint narrative:
I got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
American Acceptance is noting late payments from XX/XX/XXXX to XX/XX/XXXX. My payment of XXXX plus the fee was paid every month during that time. This is causing a big impact to my credit due to 12 payments reflecting as missed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I don't recall this account and it's reportingXX/XX/XXXX XXXX XXXX # XXXX in accurate information. On XX/XX/XXXXreport " Legally Paid '' with inaccurate history ; XX/XX/XXXX XXXX Charge-off with Paid On-Time for all 2020 ; TransUnion has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.

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 2020-11-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I don't recall this account and it's reporting XX/XX/XXXX XXXX XXXX # XXXX in accurate information. On XX/XX/XXXXreport " Legally Paid '' with inaccurate history ; Equifax reporting Charge-off with Paid On-Time for all 2020 ; XX/XX/XXXX has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I don't recall this account and it's reporting XX/XX/XXXX XXXX XXXX # XXXX in accurate information. On Experian report " Legally Paid '' with inaccurate history ;XX/XX/XXXX reporting Charge-off with Paid On-Time for all 2020 ; XX/XX/XXXX has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.

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 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Messerli & Kramer P.A.
State: NV

Complaint narrative:
My employer recently contacted me about a garnishment from a debt collector from a debt in 2008. I was never contacted about this, its 12 years old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at Law offices of James R Vaughn XXXX XXXX ) XXXX, Washington Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XX/XX/XXXX which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Card Services Charges : 1. {$7.00} Transaction Date : XX/XX/XXXX Company : XXXX Ref. No.XXXX XXXX. {$110.00} Date : XX/XX/XXXX Company : XXXX Ref. No. XXXX Charges : 1. $ {$6.00} Date : XX/XX/XXXX Company : XXXX Ref. No. XXXX 2. {$85.00} Date XX/XX/XXXX Company : XXXX XXXX. No. XXXX There were two charges that were charges I had made, so they are not included in this dispute. 
1. XXXX : {$40.00} and XXXX. XXXX {$7.00}. So these can be disregarded. 

I filed a dispute with TD Credit Card Services which they received on XX/XX/XXXX and was told they investigated and was denied. 

I then filed a second dispute eliminating the XXXX charges with documentation on XX/XX/XXXX and have not heard from them since. I feel my credit card was compromised and i no longer have charged anything to my TD credit card. I eventually will close this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX, my payment of {$370.00} was due, however, I wanted to pay-off my account for the amount of {$570.00}. On XX/XX/XXXX, my payment was returned using the CarMax app on my phone. XX/XX/XXXX, I received a call informing me that my payment was returned as my account was " frozen ''. I called my bank, my account was not frozen, called CarMax Auto Finance back and issued payment over the phone again, and I specifically asked if the payment was processed as an ACH payment, the representative quickly responded, " YES. '' XX/XX/XXXX I went into the XXXX, CA location and I was I spoke with someone at XXXX over the phone who affirmed that my account was closed, and nothing was owed and my checking account balance reflected the result of a large deduction. I also received a letter stating that my account was closed and PAID. ( See attached ) XX/XX/XXXX I get another call explaining that my account is passed due and I, now, owe $ XXXX. I think it is ridiculous that these institutions allow their staff to not verify information regarding customer inquiries and allow their customers to suffer the additional interest because of the staff 's inability to properly explain which types of payments can or can not be processed. That should be the most basic responsibility fo their job. Call reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I requested a security freeze with Lexis Nexis for my Lexis Nexis account in XXXX. In XXXX in addition to requesting a security freeze, I also opted out of any C.L.U.E reports with Lexis Nexis. I asked that the information Lexis Nexis had for me be frozen and not available to anyone including credit reporting agencies and possible employers. ( Please see the enclosed letter dated XX/XX/20 ). 

On XX/XX/XXXX, I received 2 ( two ) letters from Lexis Nexis confirming both my freeze as well the opt out. ( see the enclosed letters ). 

XX/XX/XXXXis saying they were able to verify public record information about a bankruptcy on my credit report by using Lexis Nexis. I demand to know how Lexis Nexis obtained any information regarding my social security number and a bankruptcy filing. I need to see proof my social security number on a bankruptcy filing. I demand to know how Lexis Nexis is validating any information in my Lexis Nexis files after granting a freeze that I have never requested be lifted. I demand that this erroneous information be removed from my information Lexis Nexis or Lexis Nexis file immediately. I demand that Lexis Nexis correct the false information they illegally supplied to XX/XX/XXXX and the bankruptcy information be removed from all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: DISCOVER BANK
State: GA

Complaint narrative:
I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX.XX/XX/XXXX DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. DISCOVER IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT DISCOVER HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation