vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have been in USA two times as XXXX student ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXXDuring first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXXSecond trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXXFrom XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about DISCOVER BANK account which was open ( according to XXXX  credit report ) XXXX XXXX, XXXX with a credit limit {$4500.00} and current balance XXXX $ .I have never apply for Discover credit card/never received and never use ANY of Discover Bank credit cards. I physically lived in XXXX-it 's no way for me to used this card. I called Disvover fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 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: DISCOVER BANK
State: MI

Complaint narrative:
I bought a watch on XXXX  that was supposed to look like a XXXX  but with no branding. It was supposed to be two watches. I received the package from some random country in the XXXX XXXX. It contained only ONE ( 1 ) watch, which was a poor, cheap, extremley bad XXXX  branded replica watch. In the listing it stated a model for i guess a replica watch, which if you look up the model name " XXXX XXXX '' you can see it is a very high end, very authentic looking XXXX  branded replica which i did not know til AFTER this whole ordeal. I provided all this proof that i only received one watch, a poor replica, even sent this comparison pictures of the products and discover still went against me. 

ANYONE with two eyes and a brain can see these are NOT the same watches, i was duped, scammed, defrauded, any other word for a scam! These are NOT the same watches, i paid for a XXXX  XXXX, either way i did not knowingly buy a replica watch. I ordered two and received one. 

In the end, i filed a complaint with ebay, they voted in my favor and have the email but they banned me from ebay/paypal and while they told me i was refunded or would be refunded i never was. When i called them they proceeded to tell me they had issue in their system to refund my to my DISCOVER card and they themselves told me to dispute the charge and i would be refunded no problem. 

CLEARLY these is a problem, the seller sent a letter to XXXX saying a " XXXX  XXXX '' is not a replica XXXX  when a simple XXXX search clearly shows it is, as well as the proof ive provided. 

the seller one sent me ONE ( 1 ) watch when i ordered TWO ( 2 ) watches. So even if Discover were  to want to scam me, i should only be charged 50 % of the total amount. 

DISCOVER has been trying to scam me for months, i have provided undisputable proof of the charge not being valid and that i should be refunded in full. I provided email of ebay awarding my refund to my discover that DISCOVER themselves asked for, now they are ignoring it when for months thats what they requested. Now they are attempting to take money from me over a cheap, counterfeit XXXX. I will forward this complaint to XXXX themselves in hopes they take a stand against Discover since they are allowing customers to get scammed by the worst looking replica XXXX  watch on the market, this is {$5.00} watch in a back alley and not the $ 500+ replica i was told i would even get when i did NOT know i was ordering a XXXX replica.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: SC

Complaint narrative:
Over the past year Ive tried with the credit reporting agency Experian to clear up misreporting to include sending my identification, copy of social security card, copy of name and social security verification letter from the social security administration to no avail, because its not about accuracy with this credit reporting company its about who they can keep charging for reporting. 

Two its on my credit report have been disputed as inaccurate information, a bankruptcy and a charge off of a vehicle loan that was previously removed under XXXX XXXX XXXX XXXX and reinserted under the name of XXXX. 

The bankruptcy listed on my credit report defines credit fraud, while I provided a letter from agency that Experian uses to verify public record information which stated I dont have any bankruptcies, Experian continues to report and say they verified the information which isnt true at all, particularly because the person using this information has a social security reported as XXXX, which isnt mine which is XXXX. So verification by last XXXX isnt sufficient. 

The record of XXXX shows another name not mine that has been verified as true by the CRA, but inaccurate in its actual info doesnt verify to me as reporting. 

The reporting of a XXXX  XXXX credit card, while the reported action is inaccurate but it violates the customer privacy act reporting act by giving this provided info

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 2019-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Auto loan from td bank was closed since 2012! It is 7 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 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: AZ

Complaint narrative:
I sent a demand for method of investigation letter to Experian and the response is due back XX/XX/28. They are already " Updating my report with their findings. They have not changed anything and they sure are not sending me the documentation used to verify this like I asked for according to law. I have disputed these items over and over again over the years. They do nothing but send a form response and update nothing. They are refusing to send me the method of investigation like I asked.

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 2019-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX some one hacked my account at chase and used it to make a payment to XXXX XXXX credit card in the amount of XXXX. When i called chase about this, they said it's past 60 days and that i needed to check my statements often and that i need to call XXXX XXXX. When i called XXXX XXXX, they said nothing to do with them, call Chase. So i have been on the phone with chase bank fraud team, managers, i don't even know how many people already since Friday XX/XX/XXXX and nothing has been done, i thing this is a bit crazy that my bank, who i have been using for XXXX know how many years, with 7 accounts, will not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have e-Correspondence selected to avoid physical mail being sent to the house. Mail continues to come via post. I recently changed my address to my parents address with USAA since they insist I should not be receiving physical mail and I am scheduled to move overseas in 1 month. Physical banking statements are now being sent to my parents address and mail is still being sent to my current address. This lack of control 9f financial documentation adds a great financial risk to my family and I. USAA places the full account numbers in their mail. I have contacted them 2 times via phone. Once to ask why I am getting mail and to change the address. The second was to ask why I am still receiving physical mail and why it is coming to the address I changed. The bank refuses to acknowledge that there is an issue on their mailing side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial

Complaint narrative:
Hello! 
My account on the XXXX XXXX was blocked on XX/XX/2019. 
I contacted the support of this company but they did not assist in unlocking the account and stopped responding. Please help me in solving the problem of unlocking my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: AES/PHEAA
State: SC

Complaint narrative:
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting XXXX accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Please see attached letter sent to DSRI along with a copy of a police report for Identity Theft. This debt is not mine please remove this from my Credit Report and please communicate in writing only. No Phone calls please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
I received a letter from RCMB dated for XX/XX/2018 that stated I owed an amount for {$110.00}. 
I immediately sent RMCB a certified mail letter requesting validation of the debt. 
Within the letter that I provided to the CFPB is clear what i requested specifically and expected in return from RMCB .... 
However, what I received was a bunch of coded numbers and my name & address With no signature from the original creditor they represent .... 
I immediately called RMCB and asked why they did not provide proper validity of the debt and I was told by a representative they were unable to provide the items requested in my letter do to HIPPA Laws .... 
So I further ask the representative about the information I received about the debt that didnt have a signature and she made it very clear the information was not sent by their company and that the original creditor sent the information. 
So I immediately called the original creditor to ask why they did not provide a signature on the documents I received. 
XXXX made it very clear they did not send the documents and asked me what was the name on the actual exterior envelope? 
I then told the representative of XXXX it was sent from RMCB which is why I was calling because I was confused to who sent it. 
She indicated what the documents was but informed me they did not send them as stated by RMCB that denied sending them. 

So I am first not understanding why RMCB would deny sending this info and why RMCB is not respecting the law thats very clear according to FTC and FDCPA, for a proper validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.

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 2019-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Starting on XX/XX/XXXX I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX and again on XX/XX/XXXX to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance  requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

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 2019-02-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Starting on XX/XX/XXXX I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/XXXX,  XX/XX/XXXX to XXXX XXXX and again on XX/XX/XXXX to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

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