vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 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: TX

Complaint narrative:
I have disputed a total of 17 derogatory items that do not belong to me with Experian, XXXX, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1.  XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6.  XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  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 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TN

Complaint narrative:
I reached out to Conns, numerous times since the beginning of 2019, about a credit card debt they are falsely reporting to the credit bureaus. I've provided a police report previously and other false Conns was reported was removed from my credit files. For some reason the company refuses to remove the current false account. I spoke with the fraud department and was told they would investigate the account but I haven't heard anything since, this was months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity does not provide automatic payments for its XXXX credit card. Providing a means for automatic payment is the norm for online payment systems, and users assume the feature is available from all companies. As such, to not provide such a service is a tactic to collect fees for late payment since users are particularly susceptible given the deviation from common trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX contacted my mother and discussed that I will be going to jail if I don't contact their company within so many days. I feel my rights was violated this company had no right contacting my mom discussing any of my business with her. My mother was extremely upset and was sure if she needed to go to emergency room. My mother is XXXX years old and was very concerned about this call. I spoke with a Mr. XXXX XXXX and a Ms. XXXX XXXX at XXXX. They violated my rights. 
They need to following the collection laws and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: VA

Complaint narrative:
Equifax has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked Equifax over a dozen times to delete XXXX XXXX XXXX as the account is closed. They show 2 open real estate mortgages, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
On XX/XX/2019, I received a notice from a debt collector. They never advised who the original creditor was! Only that they had purchased the very old account - that has toted the statute of limitations plus the seven years that they could place this account back on my credit report. I have had A-plus credit for the last 10 years. I don't owe anyone. The name of the company is XXXX XXXX , XXXX. and LTD Financial, L.P. a debt collector.

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 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc.
State: OH

Complaint narrative:
Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: GA

Complaint narrative:
on XX/XX/2019, I submitted a certified letter of dispute with TransUnion asserting notifying them that I had been denied credit resulting from excessive inquiries that I did not authorize and do not recognize. I also contacted individual creditors listed in my credit report to see if they could possibly be of assistance in determining the legitimacy of the their inquiries. They assured me that they possessed no documentation at all specifically from me that granted permissible purpose to access my financial history, nor do I have an account with them. I asked TransUnion to rid my file of these inaccurate inquiries within 30 days if could not validate them or send original signed documents to the contrary. It has been well over a month, and the inquiries continue to plague my credit profile. This, as I understand it, constitutes an egregious breach of my financial privacy and I would like it to stop 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 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello I am disputing a account with Capital One. The reason is because on XX/XX/2019 i made a call to Capital One and they told me on call that my account was no longer open .They closed it with no notice or call. They told me the reason why they closed my account and they said because of a reverse payment caused by Fraud. The payment that made on XX/XX/2019was reverse. I feel that this matter needed to be taken care of with a notice or call before they closed my account. So the next step that I made was to contact XXXX my personal Bank account and told me that there was No Fraud Activity on my account. I return a call to Capital One to notify them that there was a mistake and that I needed my  account to be reopened. I spoke to a representative and she couldnt help me so I told her that i wanted to speak to the manager someone above and she also couldnt help me and said that they couldnt reopen my account. I feel that this situation Is a concern and needs to be taken care of immediately. I would like for my account to be reopen and continue paying for it like I have been doing. I am sending my proof of Documents to show that I have been paying on my Capital One account up to date. Please if any questions feel free to call or send me a notice of this concern and matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I have taken the liberty of typing up a letter outlining the dates and time. Here is a synopsis of what happen. I went to an urgent care facility that had been owned and operated as " XXXX XXXX XXXX XXXX XXXX '' this is also the signage on the building. However, at the time due to my illness I gave my insurance card to my brother in law and he filed out all the paperwork. Weeks later I get a bill from XXXX XXXX XXXX saying I owed them {$3700.00} dollars for the medical visit. I called my insurance company and the said XXXX XXXX XXXX was not in my network. I told them that it was not this company rather XXXX XXXX XXXX XXXX. Unfortunately they sold out to XXXX   XXXX XXXX and no longer accepted calls from the public. Everything went through XXXX XXXX XXXX. Will my issue here is they needed to take the sign down before operating as XXXX XXXX XXXX XXXX, instead of giving the impression they were still an urgent care which would have been covered by my insurance. That said, I got no help from XXXX   XXXX XXXX just a bunch of ping ponging me to different dept. So then I was told that they would work through my insurance carrier and help get this covered. Never heard any updates until Amcol reached out expressing that they were a debt collections agency and trying to collect now no longer just the {$3700.00} but also {$1900.00} for the primary doctor fees. At this point XXXX XXXX XXXX would not take my call as they said it was no longer being held as an in house debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: Servis One, Inc., Titusville, PA Branch
State: VA

Complaint narrative:
XXXX has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked XXXX  over a dozen times to delete BSI Financial services  as the account is closed. They show 2 open real estate mortgages, which is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX, Capital One Auto Financing is a wrongful hard inquire on my XXXX credit report. Also, Capital One Auto Finacing appears on my XXXX   also. I contacted XXXX  and they said that the inquire is to old to summit anything to the company so I have to contact them directly to get a letter of deletion. I told XXXX   the company said they cant locate any application on file to see that they ever did business with me and will not send out anything but will respond if the XXXX sends them something. So Im getting the run around and this company is in XXXX Ohio I never been there in my life. This company has 3 separate hard inquires on my report. I just want these items deleted its going on 2 years but its affecting me trying to get my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/2019, I used my XXXX XXXX XXXX XXXX debit card and made an online payment to PayPal for {$800.00}. 
The {$800.00} was deducted from my bank, XXXX, on XX/XX/XXXX but it was never found by PayPal. 

I have contacted PayPal and my bank numerous times to resolve this issue. First, PayPal said I needed to have a letter from my bank highlighting the transaction information. I faxed in a letter and the transaction details to PayPal. It was indicated on the bank transaction that my money had gone to PayPal BML ( bill me later ) which is PayPal credit. 

PayPal was not satisfied with my fax and told me they wanted a front and back copy of my check from the bank so they could find my transaction. I explained again and again that I could not obtain a front and back copy because I did not write a check. I used my debit card. My bank then provided me with 4 pages of numbers and account information that they provide to consumers who are challenging a claim. It was the most thorough information they could provide. 
I have since called PayPal twice and they said they still haven't received this new fax and they are undergoing a system maintenance currently and I would have to call back. At this point I am feeling very helpless. I desperately need this money to pay my bills.

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 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon PLC Attorneys & Counselors
State: OH

Complaint narrative:
Attorney XXXX XXXX is the representation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX keeps threatening to sue me for a debt my father owes on a judgment for an old loan. He has summoned me to court and depositions where he asks me personal questions about my husband and children. He has told me, my father and my brother that if my father doesn't pay the debt he will go after me for the money and tells me I am committing fraud and breaking the law. I am in no way signatory on any loans involving my father or his business nor am I an owner. XXXX claims that because I was an employee of my fathers small business at the time of the loan that I am responsible for the debt. He continues to make filings and subpoenas with the XXXX Municipal Court in XXXX County, one of which was 46 questions regarding my father, his bank accounts, business dealings, property and other information that I do not have access to. After I reluctantly answered all of these questions, I sent XXXX XXXX a cease and desist letter because I am not responsible for this debt. I received a letter last week stating that he subpoenaed XXXX and XXXX for my account information. Again, they have no judgement against me nor have i ever signed for or accepted responsibility for any loan involving my father or his business. He has continued to harass me and my family and my next step if this is not resolved by the cfpb is to file a complaint with the Ohio Attorney General, file a Grievance with the Ohio Supreme Court and file a suit for harassment against XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Associates Loan Servicing LLC
State: NC

Complaint narrative:
After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home. 

I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a referral offer to open a XXXX credit card in late XX/XX/XXXX/early XX/XX/2019 and accepted that offer thinking that it was for XXXX bonus points. The next day I realized that it was for 3 nights of XXXX points. I called into Chase letting them know that I didnt want that offer, but rather the XXXX points. The first representative told me to close that card and apply for a new card, which I did. I then called back a couple days later to check on that application and was then told it was denied because of the first application. I then asked the representative on XX/XX/2019 what I could do to still get the XXXX point offer and they instructed me to spend the {$5000.00} and then call back and have the bonus offer changed. I spent the {$5000.00} and then called back on XX/XX/XXXX to request the bonus offer be changed. It was at this time that I was told the Marriot offer does not have this return of premium on this card/offer and that they cant change the bonus offer. The escalation department listened to previous phone calls and agreed with what I have said but are not willing to change the bonus offer. 

I have spoken with XXXX ( ext. XXXX ) and XXXX ( ext. XXXX ) at the phone number of XXXX at Chase 's Executive Office. They reviewed the previous phone calls and agreed that the representative gave me wrong information and offered me XXXX bonus points for their error, which I appreciate but is not sufficient to me as I did what I was instructed to do to fix the problem but now Chase is not owning up to their own mistakes. I would not have accepted the initial offer if I was given the correct information. I greatly appreciate XXXX & XXXX 's efforts, but I don't think they are understanding the importance of the situation. 

Please contact me back by phone at ( XXXX ) XXXX and I authorize you to leave an in-depth voicemail or by email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I was charged {$70.00} for a monthly parking service that I was no longer signed up for. I had called the company at the beginning of this month and they stated the refund would be back in at least 7 days so I did not attempt to cover the costs since they had that 7 day promise. It is now XX/XX/XXXX and no refund had been established and now my credit score is taking a dive because XXXX XXXX XXXX XXXX can not establish their funds back to my card. I paid the charge to my account just so it wasnt going to be a running balance but I am planning on buying a house soon and this parking company is compromising my livelihood and it is out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Since XXXX I have called Macys about my credit protection. I asked several times for the contact information and havent been provided the information. When ever I received a call I asked about the credit protection ( insurance ). Instead I always receive a letter stating that I requested they didnt contact me. I have asked several times for this to be corrected and each time information and no correction was done. On Monday XX/XX/2019 I had to make five calls, speak to a supervisor, and fake manager. Ive been told that I dont have credit protection and about a program that had nothing to do with what I was asking. When I finally got on the phone with XXXX she stated that I did have credit protection and apologized for the lies of the last representatives. She then began to tell me about other customers not having it and that had nothing to do with me. I asked for the number several times and then she told me I dont want it. I asked to speak to a manger but was transferred to an operations support specialist XXXX who claimed to a report for me and that he saw that Ive been requesting the information. He apologized and promised to look into that matter. XXXX was suppose to contact me and its been a week. Customer service informed me the extension and number that he gave me wasnt correct. I called today XX/XX/XXXX and everyone is acting as if they dont understand. Macys has fraudulent employees that pose as if theyre managers. XXXX didnt file a report or investigate the credit protection issue

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