vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX, ( XXXX XXXX original creditor ) put two collections on my credit report unlawfully because the debt was discharged in bankruptcy. I called the company when I noticed the collection was put in my credit report and informed them this debt was discharged in bankruptcy and requested them to remove it. They said they would note that I am disputing the collections. I disputed the two collections with the CRAs and they came back as verified. Then on XX/XX/2018 XXXX called from XXXX XXXX  XXXX and was still trying to collect money from me to " take this off my credit report '' I then told the customer service representative that I don't owe this debt and it was discharged in bankruptcy. When these collections appeared on my credit report, I was in the middle of getting pre-approved for my first home and was denied because of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has continued to contact me for more than a year regarding a debt that is no longer owed. The debt that XXXX XXXX XXXX XXXX is attempting to collect has expired, as this account went into collections in XX/XX/2009. I have continuously explained to the collectors when they call that I do not owe this debt and to no longer contact me. This is not a debt that reports on my credit report. After requesting the debt collector to no longer contact me for over a year I am left with no other choice than to make a written compliant. I have sent a cease and desist letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 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: CA

Complaint narrative:
Ive sent Experian a copy of the letter from XXXX XXXX XXXX AND THEY HAVE NOT REMOVED ACCOUNT NUMBER # XXXX FROM MY CONSUMER CREDIT REPORT..

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 2018-03-20 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: U.S. BANCORP
State: AZ

Complaint narrative:
Date : XX/XX/2018 Minimum amount due : {$49.00} Date of attempted payment processing : XX/XX/2018 XXXX PST ( XXXX CT ) Hello There, I'm writing to file a complaint about XXXX XXXX XXXX   `` Cardmember Services ''. Today at XXXX PST I attempted to process my minimum amount due of {$49.00} and XXXX XXXX XXXX refused to process my payment on today 's date of XX/XX/2018. 

Alternatively they decided to process my minimum payment for tomorrow 's date of XX/XX/2018, which of course -- incurs a late fee. Tucked neatly away into XXXX 's literature the consumer is expected to make a payment before XXXX Kansas time on the date of their minimum due. 

I find this business practice to be unethical, misleading, and opportunistic. The whole of Western Civilization has decided that 'a day ' is over after midnight. I find it fascinating that XXXX reserves the right to decide when the day is over. Most people in Arizona aren't even off of work by the time XXXX decides to cut off receiving payments. 

Naturally, Cardmember Services ( XXXX ) knows this business practice will ultimately yield more profit at the expense of the consumer given the inconvenience it causes. 

I'd like to hear back from somebody explaining to me why this sort predatory rule is allowed to exist in a financial institutions literature.

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 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have XXXX credit protection through XXXX because my information was compromised through their security breach. There are now collection notices from Sunrise on my report. I am not behind in any of my debts. I never received a bill or any other notice that I owed money to XXXX XXXX XXXX XXXX prior to this notice on my credit report. I was not aware of this alleged debt in any way prior to this notice. I have disputed this debt in writing with Sunrise Credit Service. I do not believe these businesses should  be able to phish for a response from me by placing a notice on my credit report without first sending me an actual bill that I don't actually pay. I do not do business with XXXX XXXX XXXX XXXX in any way and do not have a debt with them.

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 2018-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are Capital one, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I WAS AFFECTED BY THE EQUIFAX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO EQUIFAX ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM EQUIFAX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..EQUIFAX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..EQUIFAX IS RESPONSIBLE AND NOW THEY WONT FIX IT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: SC

Complaint narrative:
Don't know anything about this cause I don't have credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, and 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 2018-03-20 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have notified this and multiple other agencies that have attempted to collect the same debt that it was already paid off. I have sent numerous faxes, emails and spent countless hours explaining I have already paid this debt off in XX/XX/2012. Yet, periodically, I continue to be contacted by this and multiple other debt collection agencies.

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 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I WAS AFFECTED BY THE XXXX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS PROFESSIONAL CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX  ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO XXXX  ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM XXXX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..XXXX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..XXXX  IS RESPONSIBLE AND NOW THEY WONT FIX IT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
This debt collection company is calling my cell phone which is used for my current employment. Thus, they are calling me at work during the day and night on my work phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This started in XX/XX/XXXX when Sears alerted me to high value charges. Since then there has been multiple communication with Sears Credit Card Fraud Department since this date both in writing and over the phone including Today. Sears Cred Card Company currently claims I owe over {$3800.00} in fraudulent charges to them that I never made and have reported this to the credit bureaus even though according to my records Sears Credit Card Company owes me money since I have paid off everything that I charged to the account. They are trying to claim these charges are mine when the paperwork that they sent to me from XXXX showed an XXXX XXXX made these purchases and was shipping them to my address but was taking the packages off of my porch prior to me getting home since this XXXX XXXX knew I am gone at least 10 - 11 hours a day. This XXXX XXXX and not me is the one responsible for these charges. Despite alerting me to these fraudulent charges, Sears Credit Card Company was doing nothing but giving me the run around by saying different things such as the investigation is still open then it is closed then it is still open. Sears Credit Card Company has failed to give me a detailed explanation as to why I am responsible for  these charges when an XXXX XXXX made these purchases and swiping the items from my porch area prior to me getting home. I was not aware of these charges until after Sears notified me. Starting prior to this time period and up until XX/XX/XXXX, when this XXXX XXXX was shot to death due to him stealing from a XXXX in XXXX, AZ, he has a long history of theft. XXXX XXXX took advantage of my kindness, took my credit card number and wrote it down, possibly while I was asleep since I am hard of hearing and do not always have my hearing aides on, and recorded this information on his XXXX, XXXX, and XXXX accounts. Sears has failed to remove these fraudulent charges and is trying to get me to pay the $ 3800+ balance and reporting this information to the credit bureaus when it is clearly evident this XXXX XXXX was the one who made the purchases. I expect Sears Credit Card Company to remove these fraudulent charges from my account along with paying me back the money that I have overpaid to them. I have included what is my charges and the amount that I paid. Everything is not me.

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 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This debt collection company is calling my cell phone which is used for my current employment. Thus, they are calling me at work during the day and night on my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I signed up for a credit card with Capital One back in XX/XX/XXXX with my Stepdad. At the time I was a student, and my step dad did not speak english very well. We signed up in person at a capital one branch. It recently came to my attention that the credit card I had signed up for included an annual fee. 

First, I find it a little silly that the bank teller would suggest a credit card with an annual fee for a college student. What kind of benefits would a college student need that requires a credit card have an annual fee? After a few attempts, I was unsuccessful in getting any refund for my annual fee. However, I was able to change the card to the XXXX, which does not have an annual fee. My annual fee is charged every year on XX/XX/XXXX, for the following year. I was able to change the credit card on XX/XX/XXXX. So even tho, I will not actually have a credit card with an annual fee for the remainder of this year, the full annual fee remains. 

Furthermore Capital One does state that if the card is closed within 30 days of the annual fee being charged it will refund the charge. I also wonder, does Capital One give it's employees incentives to peddle credit cards with annual fees? I was curious, so my 3rd time around I asked a manager quite bluntly if they were incentivized to sign up customers for credit cards with a fee. Unsurprisingly, they were unable to give me that answer ...

The best response I was able to receive was from a representative named XXXX, who agreed with me that it did seem unfair. Unfortunately, the system did not allow her to do anything about it ... She assured me she also would file a complaint on her end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
GE CAPITAL RETAIL BANK now known as Synchrony Bank allowed a credit card to fraudulently be open in my name opened XX/XX/2013 in the amount of {$1500.00}. Account number : XXXX. I am a XXXX XXXX XXXX veteran. They allowed someone to open the account using my old address from government housing. They sold the debt to XXXX XXXX. I didn't find out about this fraud account until XXXX started calling me 5 plus times a day. I have sent the fraud form to XXXX 5 different times and they keep claiming they haven't received it. They have harassed me since they bought this fraud account. In XX/XX/XXXX XXXX posted this account on my credit report on top of Ge Captial Retail Bank/Synchrony Bank having it reported on my credit report.

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 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Vargo & Janson PC
State: CO

Complaint narrative:
My identity was stolen years ago including credit card numbers. Some company who bought this debt, even though I told them that it was the result of identity theft, has been threatening to have me arrested. I have filled out all information to the best of my knowledge and returned to the courts. I am XXXX XXXX   so it is hard for me to maintain a job to either file bankruptcy or hire a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Had about XXXX  personal credit cards, 4 were Chase personal credit cards. Applied for the Chase Hyatt credit card on XX/XX/18. Without any warning, all my chase credit cards were shut down a few days after. This is immediately right after I paid the {$450.00} annual fee on my Chase Sapphire Reserve card ; Chase reps stated my refund would be eventually refunded. All of the spend on Chase CCs was organic spend. Called Chase, but got moved around from rep to rep. Finally, was able to submit an appeal for my shutdown ... will hear back in 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My name is XXXX XXXX. I'm currently live XXXX, WA. My phone number is XXXX, and SS # is XXXX. 

On XX/XX/2018 Around XXXX XXXX, I went to the Wells Fargo bank located at the address XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX to deposit money into my saving account ( Acct # XXXX ). Employee ( Teller ) involved in the case was XXXX XXXX. 

We had {$12000.00} in cash. My wife had asked me the night before to deposit {$8000.00}. There were 2 bundles of money with the rubber band in {$100.00} bill in the black plastic bag. I handed to the teller ( XXXX ) and requested to deposit {$8000.00} and didnt realize that I gave her {$12000.00}. I didnt count the money along with her as she was counting them on the counter. All I remembered she had 6 stacks of {$100.00} bill as she counted. She then went away from the counter to count it in the machine. She went back and confirmed it with me if Id wanted to deposit {$8000.00}. I confirmed it. 

I took the empty black bag home. My wife had asked me where the rest of the money was. She had all {$12000.00} in the bag, 2 bundles of {$8000.00} and {$4000.00}. I had thought my wife already pulled the {$4000.00} away, however after she mentioned about 2 bundles of money, I realized I had given all 2 bundles ( {$12000.00} ) to the teller. I recalled as she counted the money on the counter, there were 6 stacks of the {$100.00} bill. When she counted, it didnt trigger me why she had 6 stacks of {$100.00} until my wife asked for the rest of the money when I got home. I then contacted the bank immediately ; however the bank was closed at that time. I then call XXXX number ( XXXX ) to report it. The operator asked me to contact the local bank the next day. I came to the bank in the morning to claim the money back. The manager ( name ) asked me to wait and recounted the money in the draw, then she claimed no extra cash was floating around. Ive requested for the investigation and view all cameras. However the manager contact me a week later to let me know that they found no extra money left over and therefore the case has been closed.

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 2018-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX  ) XXXX-XXXX Account was charge off and closed XX/XX/XXXX, Company is now showing new account balance of {$3800.00} of XX/XX/XXXX and also show as open

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