vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 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: U.S. BANCORP
State: TX

Complaint narrative:
In the spring of XX/XX/XXXX, I got a XXXX XXXX XXXX credit card ending in XXXX. Everything seemed to be going along fine with only one blip in XX/XX/XXXX when I did not receive a stmt. This was resolved and fees and interest were credited back to me.

Then in XX/XX/XXXX there was fraud activity on the credit card. This seemed to happen when I went to XXXX XXXX, CO in XX/XX/XXXX. Evidently someone, somehow, advanced {$2000.00} to a US Bank Silver Checking account ( I don't have one of those ), and that amount was charged to my credit card ending in XXXX. I reported it immediately and was issued a new credit card ending in XXXX, and the Silver Checking acct was closed by US Bank.

I told them that I did not want another credit card, and I never activated that card. Nevertheless, I received a stmt dated XX/XX/XXXX for card ending XXXX with a credit of {$1900.00} and rec 'd another stmt closing date XX/XX/XXXX with the same credit amount. I called US Bank soon after receiving that stmt, I did not get a name or an exact date at that time as I never expected their accounting department to be so inefficient. I let them know that there should not be a credit on my account as the {$2000.00} fraud activity was not mine to be credited, and I never paid that amount to US Bank to earn a credit from them.

I thought it was over until I received a stmt closing date XX/XX/XXXX for yet another credit card # ending XXXX. This stmt also showed the same credit as did a XX/XX/XXXX and XX/XX/XXXX stmt. Then, to my surprise, I received a check for the amount of the credit. Check # XXXX, dated XX/XX/XXXX from Cardmember Service agent for US Bank Nat'l Assc. I did not cash the check and still have it.

Then closing date, XX/XX/XXXX, I receive at stmt for acct ending XXXX with a new balance of {$2000.00}. SNAP! This was the amount of the original fraud. I have called twice now and talked to XXXX, and XXXX, XXXX  and was not helped either time. Their phone tree is onerous, and the redundancy of their questions when switched from person to person is far too aggravating for words. Now, the stmt for closing date XX/XX/XXXX shows a balance due of {$2000.00} because of interest and fees. I give up getting anything done with these folks. I do not owe anything to my knowledge to US Bank. The {$2000.00} was fraud and was reported as such immediately. Every time I call and talk to someone at US Bank, I get another card, and the situation gets worse.

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: UT

Complaint narrative:
EOS CCA is attempting to collect for XXXX XXXX I do not know. I have not received any documented letters from EOS CCA. I checked my credit and found out of this collection. They did not give by law my 30 day right to dispute, and they are in clear violation of the 30 day right to dispute law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: WA

Complaint narrative:
XX/XX/XXXX the XXXX  account was taken over by another party. In XX/XX/XXXX I received a bill with a past due balance. I contacted XXXX  whom then stated it was an error on there system and that I was not responsible for the balanace due to it belonging to the party that took over the account. XX/XX/XXXX I had a collections placed on my credit report for XXXX. I contacted XXXX  first they told me the account wasnt properly taken over. Then when proved it was due to other persons name on account, I was told I didnt cancel my name from account. Again proved wrong due to account being taken over, I was told that the person didnt properly take the account over. I stated that the Individual has been paying thats not true, then I was told o well the account was written off XX/XX/XXXX so they didnt take over properly but there is nothing we can do because its already been sold to collection agency. I asked for supervisor and was refused to be allowed to speak with supervisors. Its a lie because the person that took over the account had been paying and once she canceled her account, then XXXX  placed it in collections a month after under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I have received multiple collection calls from One Main Financial for a person that used to have my work phone number. I told the collection agency that I am not the person they asked for, and to stop calling my work phone number. They informed me that they would put down that the number is not valid anymore, but I have since still received at least 4 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I use my capital one account for almost every purchase. I use the " Drop '' app to accrue points for tracking purchases, but they recently told me the reason I'm no longer getting points is because capital one has blocked Drop 's provider 'Plaid ' from accessing the API. They said the only way to get Capital One to restore access is to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX. I sent a letter to AmSher stating the following : 1. Discontinue calling me because I do not feel comfortable being asked to verify my address, last four digits of my social security number, nor name to someone that has randomly called my phone. During the call prior to the letter the AmSher representative became argumentative and unprofessional. I asked within the letter to be contacted via USPS Mail only and provided my address for mailing. 2. I am disputing the debt and request validation and verification of the debt. I am also requesting verification that AmSher has the authority to contact me and attempt to collect the debt. XX/XX/XXXX. I received a call from AmSher 's representative who's name I can provide in a secure setting for privacy reasons. I explained to him that I sent a letter the previous month and he indicated that he confirms that I sent the letter but that it was a verification/validation letter. He became unprofessional and asked me if I planned on paying the debt since I had not paid the debt in four years. I asked him to send that to me in writing and if the call was being recorded that I am requesting that in writing because it's a false statement. I just discontinued service with XXXX in XX/XX/XXXX therefore it's impossible for me to have not paid the debt in four years and if they are stating that then I want to see that in writing.

I have requested from AmSher and from XXXX an itemized written statement of my last two months of account history. I am requesting this because I believe that I do not owe this debt. However ; no one has sent me anything except an invoice which is not itemized. I'd like to resolve this issue as soon as possible and request that I do not receive any more calls from AmSher again as it has become very abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2018 I spoke with a gentleman by the name of XXXX regarding my Serve account with American Express. This conversation took place at XXXX.

I asked him not to process a payment of {$160.00} that had been set up on bill pay as I had already taken care of paying the bill. He assured me that the transaction would not take place however it was sent it anyway and processed as a stop payment and I was subsequently charged a stop payment fee of {$50.00} from the town or XXXX. Again, XXXX  had told me that he had cancelled the bill pay and that the check would not be sent.

In short American Express Serve owes me {$50.00}.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Razor Capital, LLC
State: FL

Complaint narrative:
The credit one credit card account ending in XXXX was charged off and sold to XXXX XXXX XXXX. Then sold to Razor Capital. I settled and paid in full on account and was promised a pay and delete. But Id settle for the comments on report saying paid charge off. Or paid and settle for less. Not a charge off account. Plus I have proof of a letter showing its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have disputed this debt after seeing it listed on my credit file, this is unknown and I believe it does not belong to me. I have requested validation in my dispute and have received nothing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I signed up for an XXXX XXXX XXXX about two years ago. Fees were added to this account that I was not made aware of until it reached collections. I never received a physical hard copy of an XXXX XXXX card in the mail. The two times I used balance from an XXXX XXXX account is was by in person contact with a sales associate at an XXXX XXXX store. The sales associate asked me if I signed up for an XXXX XXXX card, I said yes but I do not have the physical card, the sales associate replied and said its okay I just need your phone/ email, then I was charged virtual accordingly. Again. I have never received any XXXX XXXX card in the mail. I am willing to pay for the purchases that are on this account. However, the added fees is something I was not made aware of until it reached collections. I have contacted the President of XXXX XXXX regarding this matter. I am a college student desperately trying to establish credit for my future. Again, I will pay for any purchases before the fees were admitted to the account. Thank you.

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with US Bank and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a US Bank chooses to arbitrarily punish its customers. This was abusive and wrong.

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 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: WA

Complaint narrative:
There was no completion to the complaint or investigation into a resolution. I have called every week for 90 days and sent 2 letters certified mail. The lender came back with a response to the issuance of the loan being given to me in an inept state. The XXXX XXXX XXXX XXXX has stated that an individual who doesnt complete high school or the equivalent is not prepared for the task of understanding the debt that will accrue in college. Their response to me filing paperwork supporting this happened was that I stated on my forms applying for the loan i checked a box stating I had graduate high school or its equivalent. I checked the box without understanding that a high school graduate even needed a diploma. Not only did I not graduate high school I only went to a year and a half of school my entire life through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
After receiving a copy of my credit file I seen this account listed which is unknown and not mine. I have disputed with no validation being received. Please help as this should not be listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I Don't Understand Why This Account Is Listed As Derogatory. I Have Always Paid As Argeed.

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been denied a credit because of in accurate information on my file with Experian Credit Reporting agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called Experian again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here.

Thank you for your prompt attention.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX 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 2018-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this several times not only is this inaccurate Equifax has it twice on my credit file XXXX XXXX {$140.00}, no balance owed and listed twice XXXX XXXX {$750.00} unknown and no such debt owed, no validation is obtainable, remove Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with XXXX XXXX and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a XXXX XXXX chooses to arbitrarily punish its customers. This was abusive and wrong.

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 2018-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Customer service would not help take care of the negative inquiries reporting to 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 explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
XXXX XXXX financed my vehicle in XXXX for 72 months for {$26000.00}, in XXXX I still owe {$21000.00}. I requested copies of my loan documents for this vehicle from the Dealer because XXXX told me to contact dealer for my documents. Dealer told me they cant lay hands on my documents. 
I have paid this note since XXXX but I still owe {$21000.00}. 
I believe there is something wrong with my fiancing but XXXX is in no way able to assist me with this. I on time with my payments but I feel I have paid too much and Im being ripped off. 
I recently tried to trade this vehicle in but no one will take this vehicle because the current value is {$5000.00} to {$6000.00} Ive been having problems with this vehicle and have reported it several times to the XXXX but all avenues have failed. The particular model has been discontinued due to problems they have had with this vehicle model (  XXXX ) I want XXXX XXXXXXXX to give me all my loan documents and explain to me why my balance is still {$21000.00}. Even if I missed 1 year of payment, shouldnt I be left with a couple of years to pay off. 
One Car dealership drew my attention to this and i need to get to the bottom of it. 
The vehicle is a lemon vehicle, it has given me problems since we bought it. There is a recurring problem XXXX dealers can not fix. They have deliberately sent me to the dealership over 10 time assuming to get it fixed and each time it comes back same. some of these dealership visits have taken over 3 months to get engineers take a look at the vehicle. we have had too much to deal with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My creditor is charging me a " late fee '' when I made payment arrangements with one of their online agents. From the chat I asked the agent to process the payment : " XXXXXXXX XXXX : XXXX XXXX : You just need to make the payment chat or call us for the allocation process and we will be glad to do that for you. XXXX XXXX : CustomerXXXX : I need that " allocation process '' now. XXXX XXXX : XXXX XXXX : Sure, let me help you with that. '' She did not make that payment for me, so now, they are you charging me late fees in the amount of {$27.00}. 

Additionally, the Synchrony account website pages are extremely confusing to navigate with minimal information to help consumers understand their account staus '. They tether you to " agents '' that don't seem to do what they say they will, or otherwise make confusing statements in the chats.

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I applied for an online loan through tower loan on XX/XX/2018. I was told I was not approved for the amount requested ( XXXX ) but I did qualify for XXXX and could go into the loan office if I still wanted the loan. I signed my paperwork, received my loan funds and left on XX/XX/XXXX. 

Now, I show 2 credit inquiries for tower loan on the same date, XX/XX/2018. I have requested they remove 1 of the inquires as it was for the same loan, on the same day, with the same company. I did not apply for 2 loans. I did not authorize anyone to run my credit twice.The manager of the XXXX, AL branch called me this morning to let me know Towers home office and her supervisor XXXX are not going to remove either of the inquiries. Any finance company should not be allowed to run 2 hard inquiries on the same day for the same loan. I only have 1 loan and have only ever had 1 loan with Tower.  There should NOT be 2 Hard inquiries and I want 1 of them removed. It is on my XXXX XXXX. I have tried to handle through Tower to no avail. Please help.

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