vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
On XXXX XXXX at XXXX I got an email from XXXX XXXX and XXXX XXXX. Both with the subject : ' A change to your Credit Report '. This alarmed me since I am trying to purchase a home and I am trying not to make any changes to my credit so it wont affect my score. This hard inquire was from Sun Loan XXXX. I had gotten a loan with them on XXXX and finished paying it on XX/XX/XXXX, that account was closed. I had my mother call different loan companies to get information ( closing times, average payment for certain amount, etc. ) Sun Loan Company was one of the companies my mother had called at XXXX during this call she emphasized the fact of how I didn't want my credit score to be run. They ran my credit with no authorization at XXXX, then called my mother at XXXX XXXX  telling her that they had run my credit and I qualified for the loan and that they had all the documents ready for me to just go sign. I was very upset and called the company to ask why they had run my credit with out my authorization. His response was that my mother had stated that the loan was urgent and I needed it and how he already had the paperwork ready for me. I mentioned how neither me nor my mother gave permission for this gentleman to run my credit but he kept repeating the same thing over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA

Complaint narrative:
My original loan servicer ( XXXX ) closed, they didn't notify me of the closure, I was still paying on my loans through them. I filed taxes in XXXX and my taxes were offset, this is when I found out about XXXX closure. XXXX is reporting me 18 payments late, 'current status ' as 120+ days past due. 

XX/XX/XXXX they reported account as " okay '' XX/XX/XXXX they reported account as " 90 days past due '' I have sent disputes, tried calling, tried everything. This is stopping me from getting a home. can ANYONE help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: IL

Complaint narrative:
I disputed this account with TransUnion file # XXXX and asked for the contract and i received a respond saying that this account is being reported accurate, This account is being reported to the credit agency by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX # XXXX, When contact XXXX they have no information or contract of this item. They gave a number to a agency that they say is handling this item as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX # XXXX. When contact this company they said that they are not handling this item, Though it's being reported by XXXX XXXX XXXX on my credit report i will like this item to be removed because it is being reported fraudulentiy to the credit reporting agency.

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 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on XX/XX/2018. I tried to use my bankcard to purchase a money order but wasnot able to do so. the bank had put a hold on mycard without my consent.. I was not able to purchase the moneyorder. I had to go to the branch to get the hold taken off my card.I was told that because ofthe amount of the money order the hold was put on. I know that is not true because I have use this before for money orders totaling more than that.

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 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I was notified that my data was breached with experian and was offered a year of free credit monitoring to help me protect my personal information. In XXXX of XXXX, I was notified by Experian that I was being given another free year of monitoring due to the breach but that I needed to renew through an online sign up. I signed up online and was required to provide credit card information to complete the registration. I did not select any paid service but began seeing a {$19.00} charge on my next monthly credit card statement. I cancelled this service, which in and of itself was very challenging and beyond what I would say a reasonable person would expect to go through to cancel and received a cancellation email on XX/XX/XXXX. I continued seeing charges each and every month after that. I signed onto the Experian website today after seeing two charges for {$19.00}, one on XX/XX/XXXX and another on XX/XX/XXXX, both in year current. Again, I navigated my way through an impossibly vague process of cancelling my membership and received another confirmation email dated today, XX/XX/XXXX. I contacted Experian by phone to confirm it was cancelled but the number they provided said they will only take cancellation requests online. I chatted a representative to confirm my paid membership was cancelled and he/she said it was but not until XX/XX/XXXX. I asked the chat agent to refund me the 3x charges that were made to my account and he/she said they can not due to their policies. I asked why I was being charged in XXXX, XXXX, & XXXX when I have an email confirming I cancelled in XXXX of XXXX, the agent would not answer my question and just said they don't do refunds. I informed the agent that what they are doing is engaging in an unfair deceptive act or practice that makes cancelling unreasonably difficult if not impossible when paid membership fees just begin billing for no reason. I told them I would be reporting their unfair deceptive act or practice to the CFPB and asked that the agent also forward it to their internal complaint department.

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 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX Received debt collection call and letter on XX/XX/XXXX about a bill I was unaware of from XX/XX/XXXX for caregiving services. I was told I would be sued and my credit effected if do not pay. I had no past knowledge of this debt or late notices from the business. The amount was for {$2100.00} and no chance to dispute this bill for over 4 years and I was forced to pay or be sued.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
this was a car loan made which i was a co signor. The car was later repossessed. it was then sold, and the company which is exeter finance removed it from my wifes credit but not my own after disputing many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
On XX/XX/XXXX I transferred {$1300.00} from my XXXX acct to PayPal acct via mobile phone the deposit never occurred n when I followed up with PayPal they said the money transferred to another account with the same phone # as mine and they can not do anything about it. I have filed complaints with FDIC on XXXX only as they do not have jurisdiction on PayPal. I have numerous internal complaints with PayPal n both banks blame each other n take no responsibility in resolution its been 2 months now???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: CA

Complaint narrative:
On XX/XX/XXXX a payment was made in the amount of {$570.00} to a merchant called XXXX XXXX XXXX XXXX. I purchased a 13 hour massage package that had no expiration date, which I had previously purchased several times before. On XX/XX/XXXX a dispute was filed with Discover Card regarding the abrupt closure of the company. All necessary steps were taken to provide proof that the merchant went out of business. I provided screenshots from other XXXX members regarding their similar situations, and I provided a copy of the Notice of Abandonment Civil Code Section 1951.3. On XX/XX/XXXX I was apparently sent a notice regarding the decision to favor the merchant. However, I do not recall receiving it so I found out today after looking through my statements and unable to find out any information from my current account on XX/XX/XXXX that it was ruled in the merchants favor because Discover was unable to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For nearly 3 years Experian has been unable to provide my credit report. They told me they lost it. Its as if I dont exist to them. I need this resolved once and for all so that I can purchase a vehicle.

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 2018-12-26 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I presented my XXXX XXXX XXXX Mastercard from Barclays Bank for payment at the restaurant in the XXXX at the XXXX ( XXXX, XXXX ) on XX/XX/18 and asked them to apply it to the dining bill, charging me for one half and charging one half to another party ( who provided a different credit card ). Upon reviewing my account statement a month later I noticed the merchant had charged me twice - once in the amount of {$38.00} and once in the amount of {$38.00}. I disputed the charge as a " duplicate '' with Barclays Bank, the card issuer. 
Barclays Bank contacted the vendor who explained in a written statement ( attached ) that " the bill was split into 2 guest checks and was paid with diff [ sic ] credit cards. '' This statement by the restaurant was false and fraudulent - as the evidence they provided clearly showed : a copy of the slip I signed with half the amount and a copy of a second slip also charged to my account with a scribbled signature that looked nothing like mine. 
Instead of doing the right thing and telling the restaurant they made a mistake and resolving the dispute in my favor, Barclays left me a voicemail ( on a phone I couldn't access for two months ) asking me if the other party had been charged or not. I didn't get the voicemail until months later when I returned to the US but even if I had gotten the voicemail I had no way of knowing if the other person in my party had been charged or not. The question was not germane to my dispute : the XXXX can not charge my card for the second half when I clearly stated I was only paying for the first half and in fact had only signed for that half. 
Barclays ' excuse in resolving the case in favor of the merchant was that I didn't respond to their voicemail fast enough. I don't think they should have contacted me in the first place - the resolution should have been made after receiving the paperwork from the merchant with the clearly erroneous ( I would say fraudulent ) information. At the least they should have contacted me in writing.

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 2018-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The information on my credit report in regards to my Bankruptcy is inaccurate. I had a conversion from a Ch.XXXX to a Ch.XXXX. The date of the completion of that conversion is inaccurate. That date is XX/XX/2018 and should rightfully include any debtors listed on my credit report before that date of XX/XX/2018.

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 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I received a letter from National Credit Systems , Inc. in response to a letter from a XXXX XXXX regarding a Debt collection. The letter was dated XX/XX/XXXX in regards to a debt owed to XXXX XXXX for the amount of {$730.00} ; however, I did not incur any debt when I moved from this apartment complex back in XX/XX/XXXX. I was never notified, by XXXX XXXX. ; of any questions following my leaving their site neither, and they had all my contact information. I responded with a letter of explanation to NCS on XX/XX/XXXX requesting information. I received only a copy of my lease and a screenshot print out of an incorrect move out date. This printout did not match the ledger details or any other paperwork from XXXX XXXX that I had received in the past. This appeared to be a scam. I received another letter XX/XX/XXXX from a XXXX XXXX of   XXXX XXXX XXXX, XXXX ( XXXX ) and spoke with a XXXX XXXX and XXXX - they both said that they are collecting a debt for XXXX XXXX, but when I called them on XX/XX/XXXX and spoke to the reps who said that they were representing XXXX, then they said XXXX XXXX, and they yelled that I need to get a lawyer when I tried to explain that I did not owe any money, and I could provide proof. I called National Credit Systems, ( XXXX ) on the the same day, and they mentioned this law office on their phone system. Then, I spoke with a rep who says that the XXXX XXXX of  XXXX XXXX XXXX represents National Credit Systems. It appears that the debt collector, National Credit Systems , Inc. is representing themselves as the XXXX XXXX of XXXX XXXX XXXX, XXXX. in XXXX, GA. I have reached out XXXX XXXX several times, and finally was able to speak with XXXX XXXX on XX/XX/XXXX ; who informed me that they are no longer tied to the company XXXX, and she was not aware of any debt collection proceedings through them. She advised me to contact XXXX at ( XXXX ) XXXX but no one answers their phone. A collection from National Credit Systems remains on my Credit report with all 3 agencies since XX/XX/XXXX, and has prevented me from rental applications, and has reduced my credit score to prevent me from other purchase and application activities. I want this removed from my credit reports and dissolved since this debt is not correct, and I have paid XXXX XXXX in full prior to moving in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2017 I had an overdraft line of credit debt with Citizens Bank. I was given a credit in the amount of the debt by a XXXX in a RI branch. I had paid a total amount in the amount of the debt of XXXX besides the credit that was given. Citizens bank is not finding the credit or the payments of XXXX and have reported me on my credit reports owing an amount that I have paid them, XXXX. I have called the Company numerous times and they had even admitted their mistake but will not do anything to correct this. This debt is paid for and credited once therefore being paid for twice now they are asking me to pay a third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The information on my credit report in regards to my Bankruptcy is inaccurate. I had a conversion from a Ch.XXXX to a Ch.XXXX. The date of the completion of that conversion is inaccurate. That date is XX/XX/2018 and should rightfully include any debtors listed on my credit report before that date of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had initiated a XXXX transfer from my Wells Fargo account for {$400.00} to my husbands XXXX  XXXX XXXX account, my husband got an sms from XXXX  XXXX XXXX stating that the amount will be credited to his account along with a confirmation code, however the funds were not received by him into his account and the money was not refunded to my Wells Fargo account, although the statement shows that the money was deducted. 
While Wells Fargo filed a claim and then said the money should be with XXXX  XXXX XXXX , XXXX  XXXX XXXX is not ready to file a claim. 
We have been asked to go from One bank to Another with no one willing to give my hard earned money back. 

Please look into the same and help me get my money back.

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 2018-12-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX  today ( XX/XX/XXXX ) thanking me for applying for a XXXX XXXX credit card account. I did not apply for this credit card account. Please note, I submitted a claim for XXXX XXXX XXXX  on XX/XX/XXXX for a very similar issue for a XXXX  credit card account. That Complaint Number is  XXXX-XXXX. Please see the attached scan ( XXXX XXXX - XXXX XXXX   XXXX XXXX ) of the letter I received today for the XXXX XXXX credit card account. This account number is different than the application for the XXXX  card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
I setup a payment plan in XX/XX/XXXX. The payment schedule they agreed to, was never properly followed by Conns. They withdrew monies that went against our arrangements. 

I made an initial payment to them, and I received another settlement offer, despite being on a payment plan. 

I called in XXXX to schedule an arrangement for {$50.00} per month beginning XX/XX/XXXX. Instead of attempting to withdraw those funds for {$50.00} they attempted {$240.00}. They never even attempted to withdraw {$50.00}. 

They have broken agreements and continued to send collection and settlement offers while my payment plan was in good standing. 

I want to resolve this account, but it needs to be done in a way that is ethical and we are on the same page. I am at a point where I do not trust giving my financial information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
Harris and Zide is aggressively attempting to collect on the debt that is not mine!!! I received several collection letters, threatening and offensive collections calls to myself, work and my parents house from this company stating they have a judgement and plan to garnish my wages or arrest me if I didn't pay them XXXX immediately via check by phone ... .I have written them letters asking to validate this debt as I don't recall ever having a judgement ... especially with XXXX XXXX XXXX with whom I don't have any accounts. Harris and Zide just keep sending me one letter after another ( see attached evidence ) that asks for payment in full stating they are collecting on behalf of XXXX XXXX XXXX. I did write to XXXX XXXX XXXX to the address Harris and Zide provided me for verification of this debt but address turns out to be FRAUDULENT AND LETTER WAS RETURNED UNDELIVERABLE ( see attached evidence.. ) I called XXXX fraud line for XXXX XXXX XXXXXXXX who could not find any accounts current or past due under my social # or address or name on file as Harris and Zide state , they also could not issue anything in writing because I'm not their existing or past client. I was advised by their investigation unit at XXXX  XXXX XXXX to file a complaint of Fraud collection practices and violation of F.D.C.P.A to you and to FTC which is what I'm doing today. Please help me stop this erroneous company from harassing me on the debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE BANK AND XXXX KEEP VIOLATING THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT-TITLE X.

Company response to consumer: Closed with explanation