vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-11 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: VA

Complaint narrative:
I filed a complaint against Discover Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: VA

Complaint narrative:
I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and Equifax both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX XXXX we purchased a guitar from XXXX, paid for via Capital One credit Card. 
When the instrument arrived it was manufactured incorrectly and was broken. Attempts to get the supplier to replace were ignored so I advised Capital One to credit it. This was in XXXX XXXX. Since then Capital One just keep changing their rules, a sking for the same information over and over again. I have rung them about 20 times. 1 year later still no refund. Total amount is {$340.00} USD. I am sure Capital One has insurance but they wo n't deal with the refund. My most recent contact they again asked for a report on the damage they already have had twice. i am being deliberately strung along hoping I will go away and they never reply even though they say they will respond in 90 days, they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12 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: VA

Complaint narrative:
This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
LVNV FUNDING LLC, is attempting to collect a debt for a credit card with XXXX XXXX Bank that is not mine. This is showing on my credit report as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am responding to your contact about collecting a debt. I have been receiving mails from MIDLAND FUNDING LLC to collect debt of an amount of {$710.00} and identify the debt as from XXXX. 
However, the information provided in the letter is grossly inaccurate. 

I vividly remember acquiring the XXXX debt in 2012, but that debt has been closed according to my credit report at the time. Furthermore, I am not aware of any purchase of that amount as I have never purchase anything over the amount of {$400.00} on credit, except for cars or housing. This collection on my credit report has significantly lowered my score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NM

Complaint narrative:
SOURCE RECEIVABLES MANAGEMENT, is attempting to collect a debt for XXXX that has been paid in full. This is reporting as a derogatory mark on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: AZ

Complaint narrative:
company is stating i owe XXXX XXXX bill, but i do not. i have no bills pastdue with XXXX 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 2017-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
This letter is in response to your collection on my credit report which was opened on XXXX XXXX, XXXX. Since the amount is so small, I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {XXXX payable to COLLECTION BUREAU OF FT in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of COLLECTION BUREAU OF FT. The letter will be treated as a contract and subject to the laws of my state. As granted by the Fair Debt Collection Practices Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Sent letters to credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX and collection company on XX/XX/XXXX. No satisfactory response actually validating the accounts. Only received statements from Credit Bureaus saying account was verified by collection company. As of today no response from the collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After several years of having this account I sighed up for paperless statements and have paid bills through the Citibank app. In XX/XX/XXXX/XX/XX/XXXX the app showed there was no payment due, i called the bank to confirm. They confirmed. Next thing I know I get an alert that there is a late pay on my credit report. I notified the bank and just got a long drawn out process of disputing it through the bureaus. I honestly feel that Citibank is being unreasonable as I have never been late.

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 2017-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I contacted Citi Prepaid cards regaining an expired prepaid card I received. Citi is  claiming that since the card is expired the funds are no longer valid and citing terms and conditions that are different than the terms and conditions I received with the card.

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 2017-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Ive already paid off multiple loans with Navient but I need some more time to pay off the remainder of my loans. I am receiving up to 10 calls per day at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: GA

Complaint narrative:
On XXXX/XXXX/XXXX, I upgraded my amex XXXX XXXX  card to an amex XXXX XXXX card for an upgrade offer ( offer code XXXX ) of XXXX bonus points after meeting XXXX} spend ( attached, XXXX offer ). I met the spending requirement during my first statement cycle ( attached, XXXX statement ). The terms of the offer ( attached, XXXX terms ) stated points will be awarded within 6-8 weeks of meeting the spending requirement. After not receiving the offer points after the 8 week deadline, I reached out to amex. A case was opened on XXXX XXXX XXXX ( case # XXXX ), with a resolution time of 6-8 weeks. After the 8th week, I again contacted amex for information on the resolution. I was told no decision was made and that another case will be opened. This second case was opened on XXXX XXXX, XXXX ( case # XXXX ) with a resolution time of 6-8 weeks. Almost one month has passed during this second case, and I am again told that Amex is waiting for the XXXX department to award the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank offers the Care Credit card which I have used for health care related expenses for a few years. About two months ago, ( late XX/XX/XXXX ) I received a credit monitoring notice that a new card was added to my account. I called the company immediately because I did not apply for or ask for a new card. They told me that they were upgrading me and providing me with a new card that would have a XXXX logo so it would be usable anywhere, not just at Care Credit providers. I told them explicitly that I did not want this, I did not ask for apply for this new card because I knew that opening up a new line would impact my credit. They said it was already sent in the mail and there was nothing that I could do about it, even though I stressed I did not apply for or want this card - and that they essentially opened up a new account in my name without my consent. They said that when the card arrived I could just cut it up and within 30 days they would deactivate it if I had n't used it. I have NEVER in my life heard at such an XXXX process and I have worked in compliance at XXXX XXXX. A month later ( by XX/XX/XXXX ) the card still had not arrived. I called the company back ( just this week, XX/XX/XXXX ) about this because I received numerous alerts from from my credit monitoring service that charges were being made from this new account that I did not apply for or open and in fact still did not receive a card for. I called the company again to complain about this deceptive practice and asked them to close all my accounts and flag the charges as fraudulent. At that time, it was {$1200.00} in fraudulent charges. As of today ( XX/XX/XXXX ), I logged into my credit monitoring service to see that the card is up to {$3100.00} in fraudulent charges even though I called over 48 hours ago to close this account. I have no idea what Synchrony Bank is doing but it seems that they are allowing identity theft to take place and are opening up accounts in customer names much like the XXXX XXXX scandal. Please investigate. I have worked very had to have a strong credit report and this incompetence can not be allowed to proceed.

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 2017-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a late pay in XXXX ... I made a payment but due to the incorrect classification of the account the payment was returned. I was never notified by the bank. The following month I go online to make a payment and there are two payments due. I immediately made ( 2 ) payments to corrrect the mistake. It was reported to credit bureau a few days later so i called 5th Third back in the hopes of getting this removed with no success. I disputed the late pay with the bureaus as I did make a payment & the money was there. 5th Third then came back and instead of the one late pay added for more that were related to a payment deferment that was processed late. The action case off as very unreasonable and spiteful. I have contacted the company and disputed all the late pays with no success as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: AR

Complaint narrative:
I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXX on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, XXXX : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX Transunion : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.

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 2017-11-12 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: AR

Complaint narrative:
I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXXr on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, Experian : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX XXXX : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.

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 2017-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
We use Umpquah bank and recently my debit card was used by someone who went on a shopping spree to the tune of {XXXX. I filed a dispute with the bank in XXXX Wa XXXX claim XXXX ) and they sent me a letter saying the claim is closed and they are denying giving my money back because their investigation showed that i provided authorization for these transactions. This is completely ludicrous. I last saw the debit card in the XXXX on XXXX when i used it at a XXXX in XXXX. I then walked across the street to my car in my work parking lot. I dont remember seeing the debit card again after that but i didnt know it was missing until the following saturday when i got a call from visa asking if i made some charges and i indicated that i had not and immediately called the bank to cancel my card. In the meantime i had switched to a new debit card that they had mailed by my request so i didnt even notice the other was missing. the day i last saw it i had to leave work in a hurry due to emergency and by the next day i was using the new one since the other one had a broken chip. Then a few days after using the new card i noticed odd charges under the new card ( 5.00 in online book purchases? ) so i cancelled that card too and i refuse to use an umpquah debit card anymore. Dont think their chips are secure! and i dont shop online or anything crazy. Help please! These people took {XXXX} of food from my babies mouths! I absolutely have no idea who took my card or numbers and i for sure did not give anyone else permission to have it nor would anyone i know use it! My husband is very upset about this also and the bank wont relook at the claim. I think i must have dropped the card sometime that Thursday but i dont know. I didnt know it was missing until the fraud dept called. 

Thanks, XXXX 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 monetary relief
Consumer complaint received 2017-11-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My student loan was serviced by XXXX. I have 2 problems : 1 ) They calculated/amortized interest incorrectly. 

As I paid it off every month, some months th iterest expense would be higher than months prior, even though the balance was decliing. 

I took into account the fact that some months have more days than other months. 

I emailed them and called them about 5 times. 

They insisted their accounting was correct. 

I was a XXXX, and I can tell you they over-charged me interest. 

They just sold the loan to XXXX, so they mno longer have my loan. 

I want XXXX to reimburse me for over-charging on interest. 

2 ) On my equifax report - this loan shows under " Derogatory '' category. 
I never missed a payment. When my wife and I considered Chapter XXXX bankruptcy, filed for it, but then VOLUNTARILY had the case dismissed ; being that it was a federal loan, it automatically went into deferral status. I never wanted to quit paying this loan, and never did, but while we considered bankruptcy, they refused payments form me. 

I would like this removed from " Derogatory '' by Equifax and the other credit bureaus, via XXXX 's request. 

i would also like all 3 credit bureau to further mention that my Chapter XXXX bankruptcy - in XX/2013, docket # XXXX, was VOLUNTARILY dismissed.

Company response to consumer: Closed with explanation