vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Some info is displayed more than once, same accounts appear after resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Some info is displayed more than once, same accounts appear after resolution.

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I pulled my credit report from all three Bureaus : XXXX, XXXX, XXXX. I noticed that Waypoint Resource Group was  reporting negative on my report. I sent them a certified letter to verify the debt they claim that I owe to them in the amount of XXXX. 
we received a signed returned slip. slip was signed on XX/XX/XXXX and we have not yet received anything or heard from them, its been well over 30-45 days. After speaking to a representative at XXXX  he stated that this account looks to be re-aged. Dated this account back to XXXX of XXXX and now is being reported a open date of ( 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 2019-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a notice in the mail from Macy's indicating I have a past due amount on a Macy's XXXX XXXX card. I contacted Macy's credit card customer service and they told me that I have two Macy's credit cards. One that I am aware of (Macy's store card), and a separate Macy's XXXX XXXX   account that is different from the private store card I signed up for. Their explanation for opening this account in my name is that I did not respond to a promotion letter sent in the mail. They said "my non-response was taken as authorization". 

I do no recall ever receiving a letter about this, nor would I have agreed to this account.  I do not physically have this card, do not have access to this account, and never authorized opening a second credit account.

This account is fraudulent as it was opened without my authorization. After several attempts to resolve this with Macy's directly, I have not been successful. They are maintaining this account is valid and past due amounts and interest are owed. My credit score took a significant hit due to this situation.

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 2019-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX  XXXX XXXX sold my home equity line  loan to XXXX XXXX XXXX. 

I made my XX/XX/XXXX payment to XXXX XXXX XXXX although Specialized Loan Servicing ( " SLS '' ) had started covering the loan. ( Copy of payment confirmation of {$38.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX received Mortgage Statement from SLS showing payment amount due of {$76.00}. On XX/XX/XXXX payment made to SLS in the amount {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$38.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$28.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX Bank attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$66.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage XXXX from SLS showing payment amount due of {$56.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX   attached. ) Received on XX/XX/XXXX Mortgage Statement from SLS showing payment due for XX/XX/XXXX {$46.00}. 

In each statement received from SLS shows the monthly payment due is {$38.00}. Each statement does not show the additional {$10.00} going towards the principal. 

I have contacted SLS customer service at least three times in regards to these errors and they have told me they were changing their software to reflect the correct information. I contacted them today and they told me that I my next payment would not be due until XX/XX/XXXX. However when I went on line to check payment activities on my account none of my {$48.00} payment are shown, in fact, the payment due on XX/XX/XXXX shows a past due amount of {$36.00} with the total amount due of {$74.00} which includes my monthly payment of {$38.00}. 

I am very frustrated, how do I know if the correct amount of interest paid to SLS will be correct for my Federal Income tax return.

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 2019-12-10 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: CO

Complaint narrative:
I am writing about contradictory information on my Experian Credit Report. 
On one page of my report it clearly states that I have an Exceptional payment history. ( See attachment # 1 ).

On the page that explains what factors affect my credit score, it states that I have two factors that are negatively affecting my score, the first one being : Few accounts paid on time. ( See attachment # 2 ). 
How can that be possible? 
I have tried on several occasions to discuss this issue on the phone with Experian employees ( including 2 supervisors ) in their customer service department. My efforts to correct this issue have been met with double talk, circular conversations and a complete inability to understand how these two pieces of information are  contradictory. Not to mention indifference and an absolute lack of any willingness to help correct the issue. 
The first supervisor I spoke with agreed that the information was contradictory and promised to have the Few accounts paid on time removed from my report. His name was XXXX. He gave me his extension number ( ext XXXX ) and told me to call him directly to follow up with any questions. Since the Experian telephone system does not provide the ability to dial an extension directly, I asked the other three Experian customer service people I spoke with to dial his extension for me. They flatly refused.

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 2019-12-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/19 I paid my current credit monitoring account the fee of {$29.00} to review my credit reports with Equifax, XXXX  and XXXX XXXX. I discovered there were multiple unauthorized hard inquiries on my credit and I contacted each creditor via phone which took 4 hours of my time from work and nothing happened. I filed a dispute to each credit bureau on XX/XX/19 and sent each letter via certified mail with tracking numbers to monitor this process. On XX/XX/19 I refreshed my credit reports and further discovered that there are no changes nor any updates on the methods used by each credit bureau. Furthermore, there is an invalid late payment on one of my accounts that has always had perfect payment history and I submitted documentation to the credit bureaus as well to expedite this request since I am making sure my credit is in good order to purchase property. This is a blunt violation of my rights as a consumer and is costing me tremendous stress and hardship on my health because of this violation. I am reaching out to the consumer finance protection bureau for help since it has been more than 30 days since each credit bureau received my dispute packages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: FL

Complaint narrative:
I keep receiving debt collection notices and threats of being sued by XXXX XXXX for a medical debt that services were never received for. I have told XXXX XXXX  I am not paying this debt because my daughter never received braces from them, after their numerous reschedules due to not having enough trucks or staff. On XX/XX/19 I received a letter from Stillman Law Office, attempting to collect a debt on their behalf. There is nothing to collect! My daughter never received treatment from this facility! They are trying to charge me for services not rendered!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CITIBANK, N.A.
State: GA

Complaint narrative:
some body stole my information and opened credit card at home depot. He/She had been using that account since XXXX 2019 with the charge {$3300.00}. The clerk supposed to check customer ID when they purchase large amount with credit card. However, they skipped the step and let the thief sign the signature even not my signature for a few times. One week ago, the Home Depot company sent a notices mail that the problem has already investigated so I closed my account immediately to avoid trouble. However, I got another mail today from Home Depot about they could raise up the interest of the balance if I would not pay in full. I have tried to re-contact Home Depot but they had no idea and they asked me to wait for during the investigation time. is it any way or what i can do to solve my problem?

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
In XXXX of XXXX, someone opened a XXXX XXXX credit card in my name with my information. 
I have disputed this debt twice successfully, and had it removed. 
Then Portfolio Recovery Associates bought the debt and when I disputed it for the 3rd time, they demanded I file another police report. 

I filed said police report, and just received a blatantly doctored credit card statement from them, which they are attempting to use as proof that the account was mine, and that the account was opened at a previous address at a much earlier date than the identity theft took place. Portfolio Recovery Associates state  that someone opened the account in XXXX of XXXX, I confirmed with XXXX XXXX themselves, and XXXX  XXXX states that the account was not opened until XXXX of XXXX. 

I am unable to open any credit cards as a result of this credit fraud, and now the debt collectors themselves are committing fraud in an attempt to collect a debt that was illegally opened with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Through XXXX XXXX, I received a request to join a secret shopping service by the name of XXXX XXXX. As I did research, I could see that this appeared to be a valid company. 
As I clicked on the link this appeared to be a legitimate business. 
I was recently laid off from my employer, and this seemed to be a way to earn some extra money. 
I completed the online request and was approved for the shopping position. 
AT NO TIME DID I PROVIDE MY AMEX account number for this. I was simply asked if I had an American Express account and I was notified of a {$2000.00} payment into my Amex account, and I was able to see to the funds go from pending to clear prior to making the purchases requested of me. I have no knowledge of how that payment was made or by whom. I assume that is where the fraud was initiated. 
The payment made to my account seemed legitimate and that is the reason that I moved forward with the shopping experience. 
I became suspicious when the item I was asked to mail XXXX   was not able to be delivered to the address that was provided. 
THAT IS WHEN I CALLED AMEX, and told them I was concerned that my card had been compromised. 
Most of the correspondence initially took place through email, and then moved on to text messaging, I have included ALL of this documentation as well as the police report. 

I realize there is not any type of recourse or chargeback to either the XXXX XXXX or the Mail Center. I want American Express to be fully aware that this entire transaction from the {$2000.00} payment to my account resulting in me purchasing an i-phone and mailing it XXXX to XXXX. Because this is fraud, for both American Express and me as the victim, I am asking that American Express not hold me liable for any this. 

I am and have been an excellent long time customer of Amex. I want this resolved immediately, it is causing me tremendous undue stress. 
This puts me in a situation of Financial Elder Abuse, I am an innocent victim who was taken advantage of. American Express should have called me about the $ XXXX clearly they could see it was not from my bank account. 

PLEASE HELP ME! Please see this from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased a sofa and a love seat from XXXX XXXX XXXX for {$930.00} with my best buy visa credit card. The furniture was scheduled to be delivered in two weeks, which the merchant failed. Six weeks later I contacted the merchant through email and I was told I am the wrong person. I text them back again and no response. So I disputed the purchased. A week later the furniture was delivered and I called to cancel the dispute. On XX/XX/XXXX, the merchant texts me for his money, I called the BestBuy credit card customer service and was advised by the customer service representative to go back to the store and pay. On XX/XX/XXXX, I checked my statement and saw that the merchant was paid {$930.00} on XXXX the XXXX the same amount I paid on XX/XX/XXXX. Even though I did not have enough money in that account. I was given overdraft which ruin my credit score and they started charging me huge interest. I called them and I was told to go back to the store. The store manager told me, that they never received payment twice and that I should follow him to his bank which was not the right thing to do. I went to the store with my sister, and we were almost beaten up. I disputed the XX/XX/XXXX, and nothing happened and now the XX/XX/XXXX dispute, I have not heard anything. Any time I called to find out the status of the dispute they hang up on me. I just need my {$930.00} 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 monetary relief
Consumer complaint received 2019-12-10 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: DISCOVER BANK
State: NY

Complaint narrative:
I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get Discover Financial Services to remove their account off my credit report and have disputed with XXXX  several times since XXXX of this year ( 2019 ), but I may need to dispute with Discover directly. Discover sold my account to a collections agency ( XXXX XXXX ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, XXXX XXXX submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX   weeks ago and it's still on my report. XXXX and XXXX were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
In XXXX of XXXX, someone opened a Capital One credit card in my name with my information. 
I have disputed this debt twice successfully, and had it removed. 
Then XXXX XXXX XXXX bought the debt and when I disputed it for the 3rd time, they demanded I file another police report. 

I filed said police report, and just received a blatantly doctored credit card statement from them, which they are attempting to use as proof that the account was mine, and that the account was opened at a previous address at a much earlier date than the identity theft took place. XXXX XXXX XXXX state that someone opened the account in XXXX of XXXX, I confirmed with Capital One themselves, and Capital One states that the account was not opened until XXXX of XXXX. 

I am unable to open any credit cards as a result of this credit fraud, and now the debt collectors themselves are committing fraud in an attempt to collect a debt that was illegally opened with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
In XXXX of XXXX I signed up with XXXX XXXX XXXX to clean up all of my credit card debt. XXXX 's was one of the cards that agreed to comply with them in XXXX of XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that the account had been paid in full. I received a statement from XXXX 's in XXXX of XXXX saying that I owed {$10.00}. I contacted them XX/XX/XXXX and XX/XX/XXXX and was told by a supervisor there was a balance of {$6.00}. I explained everything and she found here it had been received from XXXX XXXX XXXX . M
y credit report STILL shows that I have a {$9.00} balance from XXXX XXXX and it has been paid in full for over a year and the card has been closed for almost 4 years.

There are very confusing and evasive to talk to even about your own account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I'm a regular user of the Amex Rewards program. I have approx XXXX points and had reserved flights with the XXXX XXXX XXXX XXXX for a family vacation. When I attempted to transfer XXXX of my points like I usually do, the action was blocked by Amex. They said that it appeared I was trying to sell my points in violation of the rewards program, despite the fact that I have NEVER transferred my points to anyone but in my name or my wife 's name ( co-account holder ). 

That happened on the XXXX. I have been calling 2x a day or more and finally, after a cumulative 5 hours on the phone ( today is the XXXX ) I was told my account is " under review '' and there is no further appeal nor any other action I can take to prove I wasn't selling my points. Additionally, there was no timeline given for how long this review would take but it was the agent 's guess that it would take 6 weeks!

Company response to consumer: Closed with non-monetary relief