vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was supposed to be a co-signer for a Care Credit at a XXXX office, multiple times while the application was filled out and my signature was obtained both the main individual and myself were constantly told I was just the co-signer. About 2 months passed and neither the main individual nor I received anything from Care Credit, recently when I began to receive a bill that said the account was overdue. I spoke to the main owner of the account and he told me he had not recieved any bills yet. I personally went to the XXXX office and their employee told me that the main owner of the account didnt qualify with a co-signer so they decided to open the account solely in my name. I brought it to the XXXX employees attention that at all points through the process we were informed I was just a co-signer. Her response that it was too bad that there was nothing they could do to fix it. I told her if need be I would seek legal assistance because my signature was obtained through misrepresentation. The XXXX office employees response was that I should do what I had to. 

When the individual that was to be the main on the account went to the XXXX office and asked what they did as XXXX ( me ) was supposed to be a co-signer and they kept saying the account was being opened with a co-signer. The XXXX office employee repeatedly apologized and said they made a mistake. We continue to try and speak with the XXXX office about resolving this and their less than useful employees that created this mess have taken to saying too bad or ignoring calls from the main individual. Further when the main attempts to call from another number, as soon as they know it is him, they hang up on him. He has not been able to speak to a supervisor or anyone at that office now. 

I have reached out to Care Credit to attempt and resolve this as I would not have agreed to be the sole owner on this account. After speaking to multiple Care Credit employees and telling them if need be I would file a complaint I was told to go ahead and file a complaint that they had no idea what the XXXX   office did and they could not help. 

This is extremely stressful as neither the main not I know. Care Credit has XXXX offices providing misleading information and obtaining agreements through fraud and misrepresentation. Further, after speaking to their multiple call lines they do not work with resolving issues created by XXXX  offices desperate to open accounts for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
What is this complaint about?

EQUIFAX BREACH What type of problem are you having?

CALLS FROM UNKNOWN PERSONS THAT HAVE MY SOCIAL SECURITY NUMBER. INFORMATION RANSOM CALLS.

What happened?

EQUIFAX BREACH What company is this complaint about?

EQUIFAX Who are the people involved? MY SELF, EQUIFAX, DARK WEB, PEOPLE WITH MY SOCIAL SECURITY NUMBER, DL NUMBER, ADDRESS, HOME PHONE, JOB INFO, PAYMENTS & BANKING INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hello, I opened an account online with Citizens Bank on XX/XX/XXXX with a promotion to receive {$150.00} when I completed a direct deposit of {$500.00} within 60 days of the account opening. I received a direct deposit in the amount of {$500.00} onXX/XX/XXXX, well within the 60 day requirements presented by the bank. I have now waited 3 months and still have not received my bonus. I emailed customer support, and they stated they were unable to see the terms of the bonus attached to my account, and when attempting to respond, Citizen Bank 's Messaging system failed, and still fails to this day, saying a response can not be sent. Since Citizen 's appears to only operate locally via branches, and does not have a public corporate office to reach out to, and that I did everything online via their online system, I am requesting that Citizen 's honor the promotion and deposit the {$150.00} into the account. I have attached confirmation of the promotion to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX credit cards for dress barn is Robo calling me several times a day, both Robo calls say : Hi, This is XXXX we need to discuss an important business matter regarding your XXXX XXXX account with Capital one. I didnt quote the rest, because Im not positive Im correct. Both calls come from different women named XXXX. One sounds like a young gal, in her 20s. The other sounds like an older woman. I know they are Robo calls because neither voice changes nor does the intonation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Calling family member multiple times and sharing personal debt information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
On the month of XX/XX/XXXX XXXX evening i decided to go online to check my credit report my first time and when i got through one of the Credit Bureau XXXX XXXX Website, I found out that someone in the past used my Identity and applied for XXXX XXXX Bank credit card, the amount of {$300.00} credit limit. This Account Number : XXXX was selloff and bought by ; The Current Owner : XXXX XXXX, XXXX. Account Number : XXXX posted in Collection the Amount of {$620.00}, all 3 Major Credit Bureaus ( XXXX, XXXX & XXXX  ). 

I still wanted more information about this debt, so I wrote to XXXX XXXX, XXXX on XX/XX/XXXX for validate to verify more information about this debts I send the mail certified and at a later time the return ticket confirm they received it on XX/XX/XXXX, XXXX XX/XX/XXXX about noon time I received a letter from XXXX XXXX XXXX XXXX XXXX and a attachment : Court Judgement of {$820.00} On XX/XX/XXXX without me knowing or properly served, they filed a suit, I was very upset and confused, i never applied for this credit card and i have no knowledge about who? used my identity and why? this debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 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: ID Analytics, Inc.
State: KS

Complaint narrative:
want to get credit report from XXXX XXXX, some credit agency that just popped up that ive never heard from before, the other 3 I obtained my reports online, this one wants me to fax a copy of my social security card, doesnt seem safe at all, they are making it not easy to obtain my report for which i was denied credit,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: The Outsource Group, Inc
State: NC

Complaint narrative:
I sent a certified Debt Validation Letter to XXXX XXXX on XX/XX/XXXX. They received my certified letter XX/XX/XXXX. It has been over 45 days and I have not received a response from XXXX XXXX. I received a letter stating that I had a balance due on file of {$130.00} on XX/XX/XXXX. XX/XX/XXXX I received a call from XXXX XXXX stating that I owe a total of {$180.00}. On that same phone call with the rep, I made a payment of {$50.00}, leaving the total due {$130.00}. Being that I did not have the letter on hand, they never told me why there was a {$50.00} difference 9 months later when I made the payment. The payment processed on XX/XX/XXXX.  However, on my credit report, they are reporting twice for two different amounts. One for {$120.00} and one for {$550.00} for a total of {$680.00}. Where are they getting this amount from? I asked for validation on these amounts and have not received anything. Both of these are incorrect. I did not receive a letter from this company before it was even reported to the credit bureaus with these amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I HAVE BEEN A VICTIM of TRANSUNION AND XXXX  AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON XXXX  BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: CT

Complaint narrative:
I HAVE BEEN A VICTIM of XXXX AND EXPERIAN AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON EXPERIAN BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I paid off balance {$4000.00} online from checking account.

On XX/XX/XXXX, I canceled recurring payments of {$110.00} set to occur XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, Bank of America ( BOA ) processed an electronic payment of XXXX from my checking account. I did not authorize this! The credit card balance was already {$0.00}, and the transaction was not necessary and not authorized! This transaction resulted in a credit balance of {$4000.00}.

On XX/XX/XXXX, I noticed the unauthorized transaction and called BOA to look into possible fraud. Spoke to multiple departments - fraud, credit card services, online services - but nobody could provide reason or how an unauthorized transaction could have occurred. XXXX investigation # XXXX supposed to look into this matter. I requested the XXXX be refunded to me by check.

On XX/XX/XXXX, I called BOA regarding the findings of case # XXXX. BOA 's response was unsatisfactory because they only stated the facts of what happened, and did not provide an explanation of how such a transaction occurred without my authorization. It was not a mistake on my part, as I have evidence of my recurring payment for XX/XX/XXXX was canceled. Furthermore, the setup for my recurring payments was only {$110.00}. My account scheduled payment activity history does not show any authorization. I still believe there may have been fraudulent activity, but on the part of BOA in taking money from my checking account and hoping I would not notice.

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 2018-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
HP Sears showed up on my credit report saying I had unpaid debt, my credit score was reduced by over 40 points and I now have derogatory remarks. This was on XX/XX/XXXX. I freaked out because my credit score is important to me, so I paid the {$440.00} to HP Sears. I then realized that there's no way I could owe {$440.00}. I checked with my health insurance company ( XXXX XXXX of California ) and this charge, which was for the XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX, was actually covered by my insurance. The insurance company was a bit late in authorizing the coverage, but it did go through. I have the explanation of benefits to prove it. All I owe is {$25.00}, and I never received a bill for the {$25.00}, but I would absolutely pay it if they sent me the bill. I tried to get in touch with XXXX XXXX XXXX and have had no luck. I was on the phone repeatedly with HP Sears.  I sent them my explanation of benefits and they tried to accuse me of lying. I called to get them to admit they received my email with my proof. They admitted it. They said they'd issue me a refund. A month goes by and I noticed on Saturday, XX/XX/XXXX that my credit wasn't resolved. I even filed a dispute with XXXX, but they didn't take my side in the dispute even though I have evidence and contacted all the companies involved. So I called HP Sears yet again. I saw my credit card history and they NEVER issued me the refund that they promised, and they obviously never resolved the mistake they made that messed up my credit. I told them I wanted their agreement in writing, and I still have yet to receive that. I was able to get my {$440.00} that I was never supposed to pay in the first place back by contacting my credit card company. But HP Sears was supposed to be honest and issue the refund because I never owed the money, this was all due to their mistake, and they told me they had issued the refund. They've been scamming me and lying to me. I've been making phone calls again all night ( it's Saturday, XX/XX/XXXX ) and I can't get through to anyone. I have the proof. All I ever owed XXXX XXXX XXXX is {$25.00}, and they never sent me a bill so I can't pay it but I will pay it immediately if they would just send me the bill. I never owed {$440.00}. So my credit has been ruined because of this mistake and I have the proof that shows they messed up but no one is helping me fix it. I just want my credit score returned to normal. I don't know what else to do. The amounts aren't even consistent. I had to pay {$460.00}, and they attacked my credit for {$460.00}. The explanation of benefits said the original amount was {$440.00}, but that was before it went through insurance so I never owed anything anywhere near those amounts of money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX is attempting to collect on a debt that isn't valid. After paying the original creditor, XXXX, I do not understand why XXXX   XXXX XXXX contacted me about any debt from XXXX. Never the less when responding to XXXX XXXX XXXX I provided the payment I.D., that I was given but I have continued to receive notices in the mail in attempt to collect the what has already been paid..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an email ( XX/XX/XXXX @ XXXX ) from XXXX XXXX to check my credit score. As I checked my score, I just realized that my credit went down drastically. It said that in my " Payment history '', I was currently " 60 days past due '' on something. As I checked, the " XXXX XXXX  XXXX XXXX '' ( XXXX XXXX ) stated that I was late on my payment. 

From here, I called the XXXX XXXX  customer service number on the back of my credit card to double check my account balance. As I checked, they said " Your account is currently past due. Your current account balance is {$12.00} ... The balance on your XX/XX/XXXX statement was {$12.00}. Your last payment in the amount of {$74.00} was received on XX/XX/XXXX. Your next payment of {$12.00} is due by XX/XX/XXXX. Your XXXX XXXX XXXX XXXX account is past due. 

I then went online to check my XXXX XXXX account statements. I was able to check it online and it said in the XX/XX/XXXX statement that a " CREDIT PRO XXXX '' charge of {$0.00} was there and a " MINIMUM INTEREST CHARGE '' of {$2.00}. 



As I tried to click on the other statements, I received a " We're making improvements to your online experience. Some features may be unavailable on XX/XX/XXXX from XXXX AM to XXXX XXXX ET, and again on XX/XX/XXXX from XXXX XXXX to XXXX XXXX ET. 

XXXX @ XXXX '' and a " Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request. 

Please contact the server administrator, [ no address given ] and inform them of the time the error occurred, and anything you might have done that may have caused the error. 

More information about this error may be available in the server error log. 

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request. '' I did not authorize XXXX XXXX to enroll me in any program. 

Provided are the screen shots and the XX/XX/XXXX statement. 

I have also sent in a dispute request through XXXX XXXX for this transaction stating that I have no knowledge of this transaction.

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 2018-03-11 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. Transunion and Experian are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Numerous attempts have been made to contact XXXX as well as Capital one and after my 3rd attempt I am forced to file a complaint. 

XXXX is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily.

XXXX is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX   and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my Capital One card.

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my XXXX  score is around 600 with inaccurate information.

Your help with this matter is much appreciated.

Company response to consumer: Closed with non-monetary relief