vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MD

Complaint narrative:
Beginning, XX/XX/XXXX, a Woman who says her name is XXXX XXXX, claimed to have a company called XXXX. The websites are still up and she claims to sell Luxury Designer Brands. After a lot of manipulation and storytelling, I was invoiced for my first order. Her only means of payment was through the app called Transferwise or XXXX. Well, after a month, and placing several orders of which 4 of my friends committed to because they trusted me. It turned out to be a HUGE fraud scam and I've been desperate to get Transferwise to help. They refused, time and time again. My credit union/bank said they couldn't do anything, they've even dropped the ball on two chargebacks where I used my debit card and can file it for items not received. XXXX was the only ones who showed some sort of decency so far and told me that XXXX XXXX XXXX XXXX should have done that first! Now, we are talking 18 days since I figured out this terrible person 's scheme and started this beg for money back. Worse, I've been accused of scamming and fraud until someone finally hears this crazy story. On, XX/XX/19, I called ( while standing in the managers office of XXXX XXXX -- per her request ) asking transferwise to send the money back to my bank but they said it was too late, it had released to the scammer that morning. They also stated that they do not get involved with disputes between buyers and merchants and users. After relentless emails, they asked me for information and I haven't heard anything since. To make matters worse, the woman closed my account and little did I know, you can't review your transaction history if it's closed. I'm being held liable for {$10000.00} of my friends money ( whom paid me through XXXX ) and trusted me since they didn't have Transferwise ( I only got it for this sole purpose! ). XXXX XXXX, the scam artist, received payments for 5 invoices through Transferwise ( of which pulled from my XXXX XXXX XXXX XXXX Checking account ) totaling, {$10000.00}. The total stolen to include XXXX transfers to her XXXX account is over {$14000.00}. Which is more than I originally thought! I've filed a police report, I've hounded XXXX XXXX, XXXX, and Transferwise. I've submitted it to the ic3.gov and other organizations. I've had my friends post about the scam on social media to hopefully protect others, but I'm desperate over here!! I've gotten no justice, no help and I don't have this kind of money. My friends banks didn't blink an eye to help them file chargebacks ( which they totally should since they didn't get any items ), however it looks like I'm the one with the most to lose and no one will do anything for me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent several letters to XXXX XXXX XXXX  asking for validation of this the account be provided. 
Additionally I requested this be done with all three credit bureaus as well and nothing has been done to resolve these matters. 
XXXX XXXX XXXX  is reporting a Charge off Account to Transunion as a opened account Opened XX/XX/XXXX ( Opened 3 years 9months ) Monthly payment {$0.00} Last payment XX/XX/XXXX Past due {$390.00} Times Late 30/60/90. 0 times Closed XX/XX/XXXX Current payment status is showing as a charge off.

Reporting on XXXX  as late payments missed I request this be investigated further because its no way possible I could have opened an account for three years but closed it in 4 months. 
This is inaccurate information and it needs to be reviewed further.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been paying my bills on time. Last month my payment was rejected despite having money in my checking account. Then, Synchrony Bank lowered my credit limit leaving me almost maxed out ; XXXX XXXX dollars of available credit. As of XX/XX/2019, my credit limit was {$4300.00} and my balance was XXXX and {$860.00} of available cash. Suddenly as I mentioned before, they reduced my limit to {$3100.00} hurting my credit score. My name is XXXX XXXX XXXX and unfortunately I have a credit card account ( Score rewards ) with Synchrony bank which need to pay off so that I can close it and sleep better at night.

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 2019-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Advantage Financial Services LLC. XXXX Idaho has been attempting to collect a debit for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX failed to bill insurance correctly and was denied payment due to failing to provide documentation to adjudicate the claim then noted to balance billed me for services. XXXX XXXX XXXX was prohibited from balance billing on this claim due to in-network contract with XXXX XXXX ( insurance provider ) and ACA laws which state provider are prohibited from balance billing members XXXX XXXX submitted the bill for collections despite no legal right to do so. I have disputed this bill with XXXX XXXX XXXX, Advantage Financial Service, and all 3 credit bureaus. Every time Advantage Financial Services claims the debit is valid because they have a bill. Advantage Financial Solutions fails to properly validate the bill as a legal and lawful debit. XXXX XXXX XXXX own documentation asserts that the patient is responsible for the debit despite being prohibited by contract and law. Advantage is now suing me for the debit, interest, attorneys fees, and court costs. Their assertion is I contracted with XXXX XXXX and am liable for the debit, collecting from Insurance is up to me. However, I never contracted services with XXXX XXXX XXXX. My primary provider XXXX XXXX XXXX outsourced XXXX services to XXXX XXXX. XXXX XXXX XXXX was paid for services, the XXXX who performed the tests was paid on their claims. XXXX XXXX failed to provide documentation to adjudicate this claim and was not paid by insurance. XXXX XXXX failed on their part to submit documentation to get paid. Then violated their own contract with XXXX XXXX and the XXXX XXXX XXXX by balance billing me for services. I owe no debit to XXXX XXXX so Collections on this account is unlawful and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MA

Complaint narrative:
This is inaccurate, the payment status, it is not reported consistently across the bureaus. Also the payment history is not clear as to when is the payment ok or not.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX I did on Macy 's chat account automatic payments before I left from USA because of my health.After I come back I check my account and find out that I have 4 late payments.They say that was probably a mistake on there part. I told them that I will pay them but I need some time at least a month, because I lost my job when I went to get help when I was sick and I really don't want my account to be closed because that will shorten my credit history and if they could remove some of my late payment fees .They agree to remove 2 and I paid them and they told me my account got current status now.What made me think everything is fine and fix. After, I found out when I called them, the following month to make my next on time payment that my credit card was closed onXX/XX/2019 without a notice, after 3 late payments.First off all it's redicilous that they didn't do automatic payment and I payed for that! And second .They closed me account after 3 months?? And now I have 4 late payments with account on time now but my score droped like crazy.Just because they don't do there job properly I try to ask them to reopen my account but they claiming they just don't do it.

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 2019-10-18 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: CO

Complaint narrative:
Experian is playing games with my credit score and I believe its in retaliation for me filing complaints against them. I have news for you I will keep filing complaints on a weekly basis until I expose your crooked ways.

I get am alert today that my credit score dropped 29 points and nothing had changed with my credit file. No derogatory items, no late pays nothing and yet 29 points it dropped. This just proves that the credit bureaus are dirty. They are frauds and the executives should be locked up in jail. They are ruining peoples lives and they need to be locked up.

I want an explanation as to why my score mysteriously dropped 29 points when nothing had changed. This is garbage that they are doing this. Liars and cheats.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
When I apply for credit it show old I correct address in XXXX not my new one in  XXXX   XXXX and it show my name wrong it XXXX XXXX only also show me o. Some reports as being past away I see XXXX XXXX on my report as one of my name that's my dad which is has been pasted away four years now I need my  information correct

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
There are a lot of missing information to tie this account on me. The report is incomplete and I am doubtful that this is correct.

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 2019-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I was contacted via mail XX/XX/19 by Midland Credit Management. The letter stated MCM was seeking legal action against me for an unpaid debt of XXXX dollars from XXXX XXXX XXXX. I have never been associated with XXXX XXXX XXXX, so this debt is not mine. I called to confirm this with MCM, and they asked for my birthday and the last 4 digits of my social. When I supplied both, they confirmed my information did not match the name they had on file, and stated it must have been a mistake ; my name just happened to be the same as their records. I asked them to take me off their contact list. They said they would. The next week I received two more identical letters. Calling does nothing. They repeat that the debt accusations are a mistake, yet they send threatening letters that claim legal action. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The reported collection account is incomplete. There are a lot of missing information to tie the account on me. Missing Monthly Payment, No. of Months or Terms, High Credit, Credit Limit, Past Due and date of last payment. The payment remarks are missing too.

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 2019-10-18 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: NY

Complaint narrative:
EXPERIAN CREDIT BUREAU IS REPORT A CHILD SUPPORT DEROGATORY ACCOUNT. WHY IS NYS CHILD SUPPORT ENFORCEMENT ACCOUNT NUMBER XXXX REPORTING TO EXPERIAN CREDIT BUREAU. THIS TYPE OF ACCOUNT DID NOT STEM FROM A CREDIT TRANSACTION. NO CREDIT WAS EXTENDED SO HOW COULD THIS BE REPORTED TO THE CREDIT BUREAUS. 

THE XXXX SETTLEMENT AGREEMENT FROM 2015 : THE CR 'S SHALL PROHIBIT COLLECTION FURNSHES FROM REPORTING THE DEBT THAT DID NOT ARISE FROM ANY CONTRACT OR AGREEMENT TO PAY ( INCLUDING, BUT NOT LIMITED TO, CERTAIN FINES, TICKETS, AND OTHER ASSESSMENTS ). 

THE CRA 'S SHALL IMPLEMENT A PROCESS DESIGNED TO REMOVED FROM THE CRA 'S RESPECT CREDIT REPORTING DATABASE ANY EXISTING DATA REPORTED BY COLLECTION FURNISHES RELATING TO THE COLLECTION OF DEBT THAT DID NOT ARISE FROM A CONTRACT OR AGREEMENT TO PAY. SUCH EFFORTS SHALL INCLUDE BUT ARE NOT LIMITED TO, SHARING BEST PRACTICES FOR KEYWORDS AND SCREENING PROCEDURES DESIGNED TO IDENTIFY DEBT THAT DID NOT ARISE FROM ANY CONTRACT OR AGREEMENT TO PAY. 

PLEASE ASK EXPERIAN CRA 'S TO REPORT THE NYS CHILD ENFORCEMENT ACCOUNT TO DELETE THIS ACCOUNT. THIS ACCOUNT DID NOT RESULTS IN A CREDIT TRANSACTION NO CREDIT WAS EXTENDED.

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 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
" NEW ISSUE '' I have completed papers in XXXX  District Court in XXXX XXXX XXXX and called Synchrony to speak with XXXX XXXX several times with no response. I am seeking litigation for violations for neglience under the Fair Credit Billing Act and Truth in lending acts and not honoring police reports in Third district court in XXXX for damages to my credit reports and not being able to move due to this and my safety been jeopardized due to criminals knowing where I live. And fraudulent balances being reported to the credit bureaus willingly and freely without any contact with the Detectives or police department. I am now requesting since XXXX XXXX Synchrony Bank representative who refuses to answer or respond to my phone calls. The address where to send legal affidavits for Synchrony. If they do not won't to answer my responses on the amount of well-documented negligence then I am requesting from a Judge in XXXX District court to look at the matter. 

" MARKING THIS AS A DUPLICATE '' will show a Judge further negligence.

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 2019-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account is current but for XXXX and XXXX it shows I am late 30 days. Though XXXX  already resolved it because I was never late. Also the payment history shows that I paid on time and I really do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Capital Link Management, LLC
State: CA

Complaint narrative:
Capital Link Management employee XXXX XXXX has been contacting my wife cell and her place of employment. Leaves messages with threats. 1st call was on XX/XX/2019 and then XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Pa. The suv was sold to me for {$37000.00} with a ticket price of {$39000.00}. 
I put down {$26000.00} with a Certified check. 
Also put {$500.00} down on debit card and then {$520.00} personal check and another personal check {$2300.00} for all warranty and the The platinum coverage. 
I was then told I was finance with XXXX XXXX, but later found out I was financed with Westlake Financial. My loan was only supposed to be for {$13000.00} but was now {$17000.00}. I was very confused on everything an what just happened. So I just said I will just pay the car off sooner, Westlake Contacts me on XX/XX/XXXX and states I have not made a payment. I said I had and gave them Payment information. They then said my payment bounced. I have my bank statement saying it was clearly paid. I have all my payment proof information. They repossessed my car 4 times! With me making on time payments. I paid so much money and have been sending emails since XX/XX/XXXX trying to get my account fixed. They repossessed my car again and said I owe them {$21000.00} but will now sell me my suv back to me for the Original loan price of {$13000.00}. I then found out my Warranties were also in my loans that I paid cash for, as of XX/XX/XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I solicited XXXX XXXX and thought I was soliciting Debt Management non-profit. Not for profit. I have 9 accounts that they said they negotiated. When Credit Counseling pulled my credit they said that it appeared that all the creditors that XXXX XXXX said they paid. The accounts were sold and charged off. I'm paying {$840.00} dollars a month to XXXX XXXX and they are not willing to provide proof of payment to to creditors that they said they paid for me at a reduced negotiated amount. XXXX XXXX told me if I wanted payment information that I would have to call the creditors and ask them what they were paid and provide the proof. I'm paying {$16000.00} in fees to XXXX XXXX and Freedom Debit relief. No assistance. Then two creditors sent a tax forms to add to my taxes as income. I could have just stop paying the creditors and received a " Charge Off ''. I made a good faith effort and to pay based on my income and was taken advantaged of by XXXX XXXX and Freedom Debit relief. Beware this is loan scandal high interest rates. So called negotiations from 30 % to 50 % per creditor. For {$28000.00} dollars I will be paying {$44000.00}. i ; m also in the UNION and didn't get my UNION Discount. Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UHG, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX employee XXXX XXXX has been contacting my wife cell and her place of employment. Leaves messages with threats. 1st call was on XX/XX/2019 and then XX/XX/2019.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These are the inquiries that I never authorized to happen. 
CAP ONE | XX/XX/XXXX CAP ONE | XX/XX/XXXX CAP ONE NA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
On XX/XX/2019, I mailed Security Credit Services a letter for validation of an account. On XX/XX/2019, I received a computer print out that did not contain any original documents validating the debt. There were no signatures associated with this documentation as well. The balance within the print put documentation shows as {$1400.00} and my credit report shows a reported balance of {$2300.00}. As this company is alleging a variation within their information. I am hereby requesting on the grounds of improper validation, that the collection by Security Credit Services be feleted from my XXXX, XXXX  and XXXX   credit reports.

Company response to consumer: Closed with explanation