vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
This company, which I have no contract with nor have received any services from them, reports a collection account on my credit file in the amount of {$480.00} with XXXX Credit Bureau. I requested validation of this debt and account on XX/XX/2018. However, the company failed to provide me adequate proof. Acknowledging this company has no contract with me for services or can provide me adequate proof for this alleged debt, I am not obligated to pay.

15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: AZ

Complaint narrative:
Hi, I'm seeing hard credit inquiries from 'XXXX  ' on my Transunion from XX/XX/XXXX and XX/XX/XXXX ... and I'm not sure why.

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates ( PRA ) has failed to provide proper debt validation for the XXXX XXXX  account they are trying to collect debt from. PRA hasnt provided any contractual agreement that illustrates financial obligation from me to them. They have also failed to provide adequate information about the debt they are trying to collect from me. They are trying to collect a debt in the amount of XXXX ( shown on page one of the debt validation they sent to me ) but after reviewing the statements ( which are not adequate information for debt validation ), there is not any information showing how this amount came to be. There are two completely different amounts from what is shown on the account from the statements vs. the account that appears on my credit report ( reported by PRA ). The dollar amount of XXXX doesn't appear anywhere on the statements sent to me as debt validation nor is there any information how this figure was calculated. I have highlighted the amounts throughout the documentation along with the due dates to show the different debt amounts. PRA has also presented statements that are not sequential in dates and missing information. There are no statements presented from the months of XX/XX/XXXX-XX/XX/XXXX but months presented from XX/XX/XXXX-XX/XX/XXXX This lack of documentation is questionable in validity when trying to use as proper debt validation as there is missing information in those documents. As stated, the documentation that was sent to me as debt validation is inaccurate and this account needs to be deleted from my credit reports immediately. Trying to collect a different debt amount and not provide proper, adequate, and accurate debt validation is against the laws of FCRA and FDCPA. I have provided supporting documentation for review and validity of my statement above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2016 I received a check for {$8.00} from Wells Fargo. I called the XXXX number on the letter where they asked me for my social ; the whole conversation felt fishy. I went to my bank to discuss this with someone. I was informed my account was closed a month ago. To my shock, I demanded and explanation. No one could provide me an explanation as to why my account closed and why i had received no correspondence. If I received this check, why was I not receiving any correspondence about my account closing? I am furious and concerned. I am certain that there is a flaw in the system and Wells Fargo is not contacting customers about account closures.

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 2018-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I called Santander XX/XX/XXXX/to advised that there was an error made to credit agency where my balance increased by {$410.00} and my 1st payment was due XX/XX/XXXX which was made on time, information about the balance increased was reported around XX/XX/XXXX & XX/XX/XXXX loan amount now XXXX with a 73month installment when my contract balance XXXX for 72 months when I mention to the agent this information and told him my source was XXXX XXXX he advised me that they are a 3rd party source and that I will need to contact credit agency and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: FL

Complaint narrative:
I've disputed with the credit reporting agencies that Bankruptcy # XXXX  and # XXXX  does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made

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 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX a voicemail was left stating I needed to call this company back so they could send me a certified letter. I called back and a woman told me I owed money from an old debt. She stated if a payment was not made by XXXX then they wpuld sue me and a court cost of {$2500.00} would apply. I told her i would have to call her back. I looked on my credit report and called the actual company that this debt came from. They stated the debt was paid in full in XX/XX/2013. This company 3 way called the " so called '' debt collector. The woman got flustered and hung up. This was a horrible, scary, and time consuming experience. I would never want anyone to deal with this scam. It seemed real! The company i had paid the debt in full told me this was most likely a scam. XXXX XXXX XXXX was the scam company here is there info : XXXX  Ext XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bayside Capital Services, LLC
State: TN

Complaint narrative:
they threatened a relative left voicemail on relative answer machine they were serving me a certified letter at their residence XX/XX/XXXX18 for an outstanding debt. i have told this company mynumber an my number only. they have called that relative before and i told them they broke federal law-they laughed when i told them i was filing a complaint with the CFPB. They wont even tell me there legal name-i have asked where they are located and they call 5 times a day from diffrent numbers. they say there name is XXXX XXXX they call from XXXX-they guys name is XXXX XXXX he says. THe realtive called the sheriffs department today. NOthing is ever done to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: KS

Complaint narrative:
I am writing about an entry listed on my credit report which I have tried numerous times to have removed. Apparently someone with a similar name to mine filed a bankruptcy in XXXX, KS and it appeared on my credit report. I filed several disputes with Transunion. Unfortunately it came back verified and is still listed on my credit report. Frustrated I contacted the Bankruptcy court and they informed me that they do not provide credit bureaus or 3rd parties with any Bankruptcy information. As you well know it is a violation of the Fair Credit Reporting act to report erroneous information on a credit report. I ask that it is removed immediately.

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've disputed with the credit reporting agencies that Bankruptcy # XXXX and # XXXX does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made

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 2018-04-18 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: FL

Complaint narrative:
I've disputed with the credit reporting agencies that Bankruptcy # XXXX and # XXXX does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has refused to reissue my rewards check. In XX/XX/XXXX, the company issued me my rewards check that would expire in XX/XX/XXXX. These checks must be cashed within their XXXX XXXX XXXX  stores. I was deployed at the time and contacted the company on XX/XX/XXXX, well before XX/XX/XXXX, and stated that I was overseas and would be unable to cash the check. They stated that it would not be an issue and would reissue me a check with special circumstances when I returned stateside in XX/XX/XXXX and that I'd be able to cash it then. The individual received supervisor 's approval and noted the account. When I arrived back home, I called customer service in XX/XX/XXXX and they stated they would resend the check and it should arrive around the same time as my XX/XX/XXXX rewards check. My XX/XX/XXXX rewards check arrived in XX/XX/XXXX and it did not include the one from XX/XX/XXXX. I called the company in XX/XX/XXXXand they stated there was nothing they could do and could not reissue my check, despite telling me twice they would resend the check. The amount of the check was {$500.00}

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 monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I had a XXXX done with my doctor at the hospital. I paid the doctors office the amount that was owed to them and my insurance paid their covered amount. I received a bill in and paid the balance owed in reference to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for { {$130.00} } from XXXX for a XXXX XXXX on said date XX/XX/XXXX. I provided my doctor 's office my insurance information and they were paid for their services. I do not owe this bill. SCA has responded and advise me that an itemized bill has been sent from the original creditor. I advised the company to provide me with a breakdown of the collections cost and medical charges, I also advised them to provide me with a copy of my signature to the provider of service to release my medical information to a 3rd party agency. SCA has not provided me with a contract with my signature allowing their company to have any copy of my medical bills. This is considered to be withholding information that they received from my medical provider in an attempt to be HIPPA compliant can be a violation of the FDCPA. Cease/remove any credit bureau 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 explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I went in XX/XX/XXXX to close my banking accounts at the Wells Fargo in XXXX, Iowa and they never closed the account even after my person banker XXXX XXXX said he would take care of it first thing in the morning. They never closed the account and allowed reoccurring payments to go through 3 times after not closing the account and over {$150.00} in fees after that giving me a negative balance of {$180.00}. When I go in on XX/XX/XXXX after finding out just then that this had been going on because they sent no mail to my house and left me no voicemails. When I speak to a different banker she tells me that the account has been closed on XX/XX/XXXX. I ask what happened with the negative balance and she tells me I dont owe anything and that the account has been taken care of. Today, XX/XX/XXXX I go in there because they had sent me to collections with no prior notice whatsoever. They proceed to say its all my fault and that I should of went in to do their job for them basically and say theyre gon na call their resolution center to help fix the problem and that Id hear from them in 2 days. They then call me one hour later and they lie to me once again and tell me that they tried to contact me through call and voicemail multiple times and that I have to pay the full amount to collections. Why would I ignore voicemails from bankers trying to tell me my account that should of been closed has been being hit by {$150.00} of fees? Not only was XXXX XXXX incompetent and didnt know what he was doing, his branch manager was one of the most rude and disturbing people I have ever met. I really need to figure out how they can fix this without lying to me every time they speak to me. Im a hard working man and {$180.00} is a lot to me compared to a bank thats estimated to be worth XXXX XXXX dollars. It felt like I was being robbed. Every time they said they were gon na do the job I asked of them they lied. Especially claiming they called me and left me voicemails and sent me physical mail. I check my phone and mailbox everyday and I never saw anything until I open up my mail today and see a letter from the collection agency, so not even a Wells Fargo notice.

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 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I submitted a claim three months ago, quoted as below. 
" I referred several friends the XXXX-Amex cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX  points arrived. Following their terms, I waited for 12 weeks, and contacted Amex at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time. '' Amex replied to me via CFPB saying they will handle this, but the truth is, after three month and my multiple inquiries, Amex shut down my inquiry surreptitiously. They told be an investigation should take 8-12 weeks, which is already abnormally long, but even after waiting for such a long time, their response is always, " I'm sorry, but I can not do anything ''. I think Amex is deceiving their customers and acting in a bad faith where they do not honor the promises they made to their customers. I am just a powerless customer facing such a giant financial institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
Calls from different XXXX numbera daily. Harassing me. Asked them to stop they continue. Refusing to tell me who they are. Making me identify myself without them tellikg me who they are. Asking for my social. Smart tone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma, LLC
State: TN

Complaint narrative:
It seems to be a account in my name that some one used my social to get accounts and inquiries under my info. From speaking with the companies it look like oh t all took place in XXXX somewhere. I have reached out to both companies and were informed to do this and also a police report which is also done. Can someone please help me get these removed asap. Thanks XXXX open XXXX, 2018 amount owed {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I spoke to Ford on several occasions and was told that the data was going to be removed off my credit report because of staue of limitation.The information is affecting my government security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX serviced two cards for me : one for XXXX 's, and another for XXXX XXXX. My family is attempting to rebuild our credit, and these two cards had high balance ratios and high interest rates, so they are among the ones we prioritized paying off. 

The XXXX 's card was paid off - approx. {$240.00} dollars against a {$300.00} limit. As soon as the balance was paid down, we received a letter from XXXX saying they had closed the account due to credit score. The credit score had not changed. 

Two months later, we obtained a high-interest rate personal loan to consolidate and pay down some of our debts. One of the debts paid off was the XXXX XXXX card - {$3900.00} owed on a {$4000.00} limit. Three days after paying that card completely off, XXXX writes to inform us that our credit limit has been decreased to {$100.00}. 

With the same loan, we paid off a medical expense card held by another bank, and were successful in satisfying it before the deferred interest charges were applied. The other servicer did not close our account nor drop our credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
Opened a HSBC advance checking account back in late XX/XX/XXXX with an understanding that there will be a {$350.00} promotion bonus for opening the account and funding it with {$10000.00} within 30 days of account opening. The fine print says customers who held any HSBC account from XX/XX/XXXX to XX/XX/XXXX is not eligible for the promotion. So I called in HSBC prior to account opening and had confirmed with an agent that I didn't have any accounts opened during this period. With this confirmation, I proceed to open the checking account and had met all the requirements, but did not receive the promotion bonus as promised. I called in to HSBC repeatedly starting from XX/XX/XXXX to XXXX XXXX ( about ~5-6 times ), and was given a host of different reasons as to why I did not receive the bonus. Was initially told that I had an account with HSBC during XX/XX/XXXX to XX/XX/XXXX, in which I replied stating that I had confirmed with an agent about this prior to account opening. A ticket was opened for further investigation but they did not follow up with me on the progress. Later I called again and was told that I did not register for the promotion during the sign up, hence was denied of the bonus. Not only are these claims contradicting each other, they're also not valid. As a consumer, I feel HSBC did not keep their end of the promise and also showed lack of support to follow up and resolve this issue. Hence I'm contacting CFPB in hopes to get this resolved in a timely fashion.

Company response to consumer: Closed with explanation