vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: MI

Complaint narrative:
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$470.00} Account Details Last Reported XX/XX/XXXX Collection Agency AMERICOLLECT INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$470.00} High Balance {$470.00} Remarks Consumer disputes this account information Medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I recently applied for a XXXX Citi Card. When I did this, they ran a hard credit inquiry. I did not authorize and it is affecting my credit score.

Because I didnt authorize, could please remove the hard inquiry? In addition, could you please change your policy so this doesnt happen without consent?

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 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Senex Services Corp.
State: MI

Complaint narrative:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. SENEX SERVICES CORP {$30.00} Account Details Last Reported XX/XX/XXXX Collection Agency SENEX SERVICES CORP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$30.00} High Balance {$30.00} Remarks Consumer disputes after resolution Consumer disputes - reinvestigation in progress

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
This number calls me on average 4 times a day. So far today, they have called me at XXXX, XXXX, and XXXX. This is ridiculous. There is no reason they should be calling 3 times in just over an hour. They need to leave a message instead of calling like this.

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 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
According to record, on XX/XX/2014, a " XXXX '' bank card was opened in my name in the amount of {$400.00}. I did not consent nor authorize this account to be opened. Since then the account has gone into a collections account monitored by a company called " XXXX XXXX '' for the amount of {$1000.00}. 

I have paid a credit repair service to dispute this fraudulent account but the account has not been removed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
According to record, on XX/XX/2017, Portfolio Recovery Association began reporting a debt of {$1500.00} stating that the original creditor was XXXX XXXX Bank. I paid a credit repair agency to dispute XXXX  XXXX Bank and they honored the complaint and removed the original account but Portfolio Recovery Association has continued to report this fraudulent account despite the fact XXXX   XXXX Bank removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I received an alert from XXXX  that a new account was reported to my credit report negatively. This account is not new! Im addition this account is with a collection company that is collecting on behalf of XXXX. I am in an agreement with Conserve however XXXX is reporting the debt and not conserve. I have been in the agreement with XXXX only a couple months and have paid as agreed. XXXX have report no payments but states on a recorded call that I recorded they have received the payments but refuses to show the payments being made. When they reported the account they did not report the correct amount. I dont care if I pay them {$2.00} a month they have gotten on my XXXX nerves for this {$2.00} XXXX dollars they are going to report it! I refused to let them reage an account illegally and as well show inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Financial Bank in XXXX, Florida incorrectly lists 2 Care Credit accounts on my credit bureau reports. I had one account only. It was opened on XX/XX/XXXX. 
The account number begins : XXXX They transferred this account number to another office and closed it when they did this. 
After that, a duplicate account was opened in XXXX of XXXX. 

Synchrony Financial Bank should never have opened the second account and it needs to be deleted from my credit files with XXXX, XXXX, and XXXX XXXX credit bureaus. 

I did not need another account, I just wanted the original account from XX/XX/XXXX, to stay open. 

I did not give them permission to close my original account and open another one! 

I should only have one account, the one from XX/XX/XXXX, listed on my credit bureau reports. 

I did not give them permission to transfer my original account to another office and close the account.

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 2018-07-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i have submitted 3 letters to three different debt collectors concerning my debt and they have not response nor deleted the items from my credit report. The first letters went out onXX/XX/XXXX..XXXX XXXX   XXXX  XXXX..certification number is XXXX ... ... ... next was Transunion ... XXXX ... ..XXXX  XXXX ... ..XXXX XXXX ( 2 ) ... XXXX..no response and sent the next set of letters on XX/XX/XXXX ... XXXX XXXX..XXXX  ... XXXX XXXX ( 2 ) ..XXXX ... XXXX XXXX   XXXX XXXX..XXXX ... no response.they have violated the law by not responding within the 30 days and actions should be taken.

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 2018-07-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information ( XX/XX/XXXX ) to verify myself ( ie Equifax confirmation number ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX BANK XXXX never late XXXX XXXX XXXX not mine XXXX XXXX never late INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My baby sister, XXXX XXXX XXXX, WAS KILLED ON XX/XX/XXXX. CITIBANK WHERE OUR ENTIRE FAMILY BANKED FOR THEIR BUSINESS, HOME MORTGAGE ... AND DAUGHTERS AD WELL. 
WE CONTACTED THEM, CITIBANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX FOR ACCOUNTS ENDING IN XXXX. 
LETTER DATED XXXX XXXX XXXX IS IN MY HAND FROM CITIBANK WITH INSTRUCTIONS WHICH HAVE BEEN DONE NUMEROUS TIMES, VIA FAX, VIA REGISTERED LETTER. BANK REQUESTED, TRANSLATED DEATH CERTIFICATE, LEGAL LETTER OF EXECUTORSHIP, ACCOUNT NO.. 

THE ONLY INFORMATION AVAILABLE IS THAT THE ACCOUNTS ARE CLOSED. WE CAN NEVER GET ANY INFORMATION OTHER THAN IT WAS RECEIVED BY XXXX. 
IT IS NEARLY END OF XXXX. THE MONEY WHICH IS XXXX. IS NEEDED FOR A LAWYER TO SUE XXXX WHO KILLED HER AT AGE XXXX. 
MY FAMILY AND ARE GRIEVING AND THIS HAS BEEN A SHOCK. HOW MANY TIMES MUST IT BE DONE ESPECIALLY WITH CONFIRMATION OF RECEIPT AND ONCE AGAIN CAANOT REACH THIS XXXX. 
IT IS A DISGRACE THAT IN DEATH THEY HAVE TO MAKE YOU SUFFER. WHEN THEY WERE CUSTOMERS AND NOW ARE IN ANOTHER COUNTRY, HAD TO PAY AND GO TO GREAT LENGTHS TO TRANSLATE BY ACCEPTABLE SOURCES THEY REQUEST. 
MY FAMILY IS ELDERLY, AND WE ARE ALL BARELY SURVIVING THIS TRAGEDY. 
FOR XXXX IT HAS BEEN NEARLY 8 MONTHS AND WE ARE NO CLOSER. 
THEIR SUPPORT SEVICES ARE IN XXXX ... THEY REALLY SHOULD BE FINED AND ABSORB THE COSTS. 
THEY ARE NOT IN NY AND IT IS CONSIDERABLY EXPENSIVE TO SEE A LAWYER, AMERICAN CONSULATE ... 
DISCHUSTING.

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 2018-07-21 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: LA

Complaint narrative:
I informed Equifax on or about XX/XX/2018 of unauthorized inquiries existing on my credit report and requested that they investigate and provide me with evidence of " permissible purpose '' of the items being disputed and that if evidence of " permissible purpose '' was not available, then they should delete the items from my credit report.. Equifax responded on or about XX/XX/2018 and informed me that the inquiries were a part of the " factual record '' and that they would remain on my credit report despite their inability to provide me with evidence of " permissible purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My boyfriend XXXX had a Care Credit credit card account with Synchrony Financial Bank, in XXXX, Florida, that was opened on XX/XX/XXXX. It begins with the numbers : XXXX He added me as an authorized user on this account in XXXX of XXXX. 

Synchrony Bank is not reporting this account to XXXX, XXXX, and XXXX XXXX. 

They need to report it on my credit files with these 3 credit bureaus, because I was listed on the account as an authorized user.

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 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: MI

Complaint narrative:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

AMERICOLLECT {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT XXXX XXXX XXXX XXXX  Open XX/XX/XXXX -- Individual {$210.00} {$210.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted by phone by the Frost Arnett company. They stated that I owed money in the amount of {$750.00} to XXXX XXXX XXXX in XXXX FL, for services rendered on XX/XX/XXXX. The woman speaking barely gave me any time to speak! It was difficult to just get a little information from her about this so called debt. She wanted me to send a check in the above amount to their company, so they could forward it. I refused, and hung up. I then called the physician group that rendered the service, after calling my insurance company. I found out that, not only did I not owe any money, but my doctor had been paid the allowed amount from XXXX, which is my insurance company. This payment was paid on XX/XX/XXXX!!!! 
I can only assume that having a bill collector contact me, will alter my credit score! This is very disturbing to me! 
I did call Frost Arnett, and informed them that I would be reporting their company for poor, or even illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: MI

Complaint narrative:
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : JH PORTFOLIO DEBT EQUITI INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

JH PORT DEBT {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX JH PORT DEBT 12 XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details JH PORTFOLIO DEBT EQUITI XXXX XXXX XXXX XXXX XXXX, MO XXXX ( 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 2018-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Iam a PNC bank customer. 
Monday morning I went by my branch to check my account as I expected fairly large deposit from XXXX. I was going to use it to pay down my CC and transferred {$800.00} to pay down the card. 
But the bank misplaced ( or something ) my {$800.00} and it disappeared for several days.It magically reappeared on Friday during a meeting I was having at the bank, with the bank 's comment, '' 'Oh I do show an {$800.00} deposit on Thursday and it will clear tonight so the card can be used on Saturday, '' That's all well and good, but I was nowhere near a PNC branch on Thursday. 
How can a bank mysteriously lose {$800.00} deported in person with a teller? I will have to put on the big search for the receipt, and when I find it what action should I take?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX XXXX XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief