vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
During the first week of XX/XX/2020 I moved houses and asked XXXX XXXX XXXX to transfer my internet services to my new house. I took my modem and wires to my new house too. XXXX XXXX XXXX doesn't charge for transfer of services when moving homes. 

However, XXXX XXXX XXXX continued to charge me for internet services in my old house and my new house even though there was no services going to the old house. They also charged me for an installation fee in the old house. 

I terminated my services with XXXX XXXX XXXX in my new house due to subpar service and one continued issue after the other in XXXX. 

It was then that I found out about the existing charges in the old house when Credence Resource Management LLC contacted my about debt collection. The amount to be collected was {$190.00}. I called XXXX XXXX XXXX about this and I have an audio recording ( with their knowledge ) of them admitting to their error, accepting that they made a mistake, but telling me there is nothing they can do and I should pay anyway. I have attached a snippet of the audio recordings of my conversation with XXXX XXXX XXXX. 

This is beyond unprofessional. It shows a lack of integrity, accountability and ethics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21 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: DISCOVER BANK
State: CA

Complaint narrative:
I contacted discover and filed a dispute in the amount {$750.00} for an attorney XXXX XXXX XXXX who charged my card, I was told by the attorney, I had to leave a credit card on file to retain his services. The attorney and I had a verbal agreement, I would pay all his fee 's in cash and the card would not be charged. Behind my back the card was charged. When I became aware the card was charged, I immediately contacted the attorney and informed him he was terminated for a number of reasons. I informed him, he was not authorized to charge my card in which he already had done, I told him I was disputing the charge for {$750.00} with Discover. 

After contacting Discover and filing the dispute with discover and providing a lot documentation to support my claim from the California XXXX XXXX showing that the attorney did not do the job he was hired for and was terminated by me. My compliant was considered valid and picked up by the California State Bar as well the Attorney Client Mediation and Arbitration Services based on fraudulent billing practices and charges and a few other laws the attorney broke. 

Discover has twice refund the disputed charge back to my account after numerous calls and asking to escalated to up management, Recently Discover added the charged back to my account without reason and told me the dispute was closed and settled in arbitration without my knowledge. I reached out to Discover and was transferred to the executive team I spoke with XXXX XXXX Executive Office of Customer Advocacy explained everything to him and sent him the documentation he requested proving my claim. 

In less than a week I was contacted XXXX XXXX from the Executive Office of Customer Advocacy and told my case was closed and discover felt the charge was valid based on what information the attorney provided and the attorney was the only that could give me a refund. I explain to them that was not true, and I read their full disclosure provided by discover and he was not following protocols and a new investigation show be opened a requested by myself. Discover has lied and has refused to handle my dispute properly. I transferred around to many different departments and told I will receive a call back that did not happened. When I request to speak with upper management, I am hung up on and nowhere in the Discovers disclosure does it state I have a limited number of times I can dispute an invalid charge nor does it explain about they arbitrate without my consent on my behalf. 

Today I have an over charge on my credit card limit and discover should honor my dispute and truly help resolve the issue with the false charge from the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This company agreed to remove this account from my credit report when I opened a new account with them in XX/XX/2019. The new account is currently opened and has had excellent reporting since being opened but this charged off account is still reflecting on my credit report after they agreed to remove it.

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
Received an alert that a XXXX card was closed. Also received a letter from them. Called to discuss why. Was told that because I stopped a payment of XXXX last month my account would remain closed until I pay of the entire balance of XXXX but I have been paying them monthly as I was supposed to.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have been a with TOYOTA MOTOR CREDIT customer since XX/XX/2018 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XXXX, XXXX, XX/XX/2018 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My account was paid in full as of XX/XX/2015 to Wells Fargo Dealer Services/Wells Fargo Auto. Wells Fargo Dealer Services reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from Wells Fargo Auto that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.

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 2020-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear Staff This is XXXX XXXX reporting AAA credit card issued by bank of america. 
The staff is very elusive, not willing to listen saying " it is too long or a tedious job or we mailed the statement. '' Everything started with XXXX returned merchandise. Investigating, Bank of America has charged twice the amount ( cycle XXXX XXXX to XX/XX/XXXX). Contacting several times the supervisor all gave elusive answers except one who is currently investigating. 
On XX/XX/202 deciding to clarify I have contacted the bank again and going to the previous cycle XX/XX/XXXX to XX/XX/XXXX with the associate we met a final owed balance of XXXX. Furthermore going to this cycle we found 4 disputable items XX/XX/XXXX XXXX and XXXX and XX/XX/XXXX XXXX and XXXX dollars. On XXXX XXXX I have called the dispute dept. because I alerted them that XXXX XXXX direct has contacted me alerting me that refund was posted. Non intelligently they admitted so and thank me for the alert. 
In the billing cycle XXXX XXXX to XX/XX/XXXX XXXXhave a credit of XXXX. 
Going down the line with the Manager from NY Call center a at XXXX am ending time, reluctlanty wanted to disclose further info and also was erratically go down the purchasing too fast in order to make calculations and I have found XXXX from the previous cycle twice charged to my card. 
Furthermore, the machine disclamers different amount due to added purchase. 
As a consumer, I do not feel secure with this bank and I believe they have a confused way to do mathematical operations. Please investigate. I can be reached by dialing XXXX. 
Respectfully 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 monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The unverified XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to low score. XXXX XXXX has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the fraudulent account claiming that was verified but provide no evidence of the verification and ignoring all the facts requested affecting my credit for years without taking consideration of all the emotional, metal and economical aspect affecting my family and I to secure the basic need of owning for the first time a house. This account should not be reported in my 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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, WELLS FARGO BANK NA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report and I realize several inaccuraries on my credit report. Credit Collections Services repeatedly violating my rights and defaming my character. They are in violation of 15 USC 1692 a.b.c.d.e. I have attached a copy of my License and my cease and desist letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding farmed this disputed debt to law firm without forwarding required information. I do not know what this debt is for or how come they are garnishing my wages. 
There is a document submitted to the court that says I owe this debt but I do not think this document is reliable. This is a new job I just started and they say that I was served and I have no way of disputing this after all these years but I was not served with these papers This is a lot and I will be forced into bankruptcy for a dishonest creditor and a old debt from some law firm I never heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have contact all of the creditors thats listed on my credit report asking for those hard inquiries to be removed because I did not apply for the accounts. I believe I have been fraudulent.

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 2020-12-21 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: CA

Complaint narrative:
Over the last week, Capital One locked access to my online account and forced me to reset my password three times. Each time I had to call Capital One, wait for a representative, tell them what is going on, receive a one-time text message, write down a temporary password from the representative, and set a new password. 

I asked to speak with their IT department yesterday, and was told that someone has been trying to log in to my account with a wrong password - likely mistaken my username with theirs. The technical support representative told me that because Capital One cared about the security and privacy of my account, they locked out my online access. 

I asked instead of or in addition to locking my account, why wouldn't they be locking out the person ( s ) who has been trying my password from accessing to Capital One 's system? This would surely prevent someone from just putting common usernames and locking other people from access their online accounts, as this basically allows anyone to conduct denial-of-service attacks on Capital One users just by knowing their usernames XXXX or just by using common usernames ). The representative thanked me for providing my feedback, and asked if I have other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I received an " Income Execution '' in the mail from my Local County Sheriff 's office on XX/XX/XXXX. the Amount says {$10000.00}. I called the Sheriff 's office to ask if this real and who was trying to enforce this. They said there was a judgment on XX/XX/XXXX for the amount of {$5500.00} against me filed on XX/XX/XXXX. they gave me the Dedt Collectors information as Selip & Stylianou , LLP in XXXX NY. I called the firm and reported fraud based on them telling me it was from XXXX XXXX XXXX for a XXXX XXXX XXXX  Visa card. I looked up XXXX XXXX and said they went bankrupt in XXXX. I never shopped or had an account with XXXX XXXX.The dept collector said that they would put the account on hold and investigate the fraud. I never heard back from them nor did the Sheriff 's office until late XX/XX/XXXX. The Sheriff 's office told me to call the debt collector to follow up which I did. They sent me a letter on XX/XX/XXXX to return documentation. Certificate of Fraud, State ID, Proof of residence as of XX/XX/XXXX, Police report, Prior letters disputing the debt. I never knew about this until XX/XX/XXXX so there was no police report or certificate of fraud. They keep demanding a deadline to send this information to them. thank you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: WA

Complaint narrative:
This company reported a debt they claim I owe to the credit bureau. Never mailed me anything to allow me to do my due diligence. They called me by phone a few days ago. I didnt know what they were referring to and asked for proof instead I wake up with it on my credit. They are I. Violation of the fdcpa.

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my Experian credit report and noticed that there were several incorrect variations to the spelling of my name, so I called to have them removed. The only correct spelling of my name is " XXXX XXXX XXXX '' per that is the way it is listed on my drivers license and social security card. There were over six variations, ( " XXXX XXXX '', " XXXX XXXX XXXX '' " XXXX XXXX 'XXXX ) etc. Today I called customer service and requested for this incorrect information to be removed, as well as incorrect addresses that are listed on my credit report. I was advised to contact the creditors directly regarding the spelling of my name as " XXXX XXXX XXXX '' because that is how they are reporting it. I'm not understanding how a creditor can dictate how my name is being listed on my personal credit report, especially if its incorrect. Moreover, when I contacted the alleged creditors, they stated that could not locate an account containing my name/dob/address. I previously disputed these accounts with Experian as not belonging to me, and they came back verified through Experian, but the creditors say they can't find the account. None of these accounts are listed on my XXXX credit report, which I am attaching as reference. Furthermore, the representative that I spoke to today misspelled my name AGAIN after I asked for it to be corrected ; it is now listed as " XXXX XXXX XXXX '' which again, is wrong. Experian is violating the Fair Credit Reporting Act by continuing to input misspelled variations of my name on my credit report, as well as addresses that does not belong to me. This is the only credit bureau that is causing me these problems. Again : My name is XXXX XXXX XXXX. 

My current and correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. Per the Fair Credit Reporting Act, an address that is not deliverable to me by mail must be deleted. Please delete all incorrect and previous addresses. 

I am attaching my drivers license, social security card, and a utility bill as proof of my identity. 

If these issues are not resolved I will file a complaint with the Attorney General. I look forward to a swift resolution to this matter.

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 2020-12-21 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I have contact all of the creditors thats listed on my credit report asking for those hard inquiries to be removed because I did not apply for the accounts. I believe I have been fraudulent.

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 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a wire transfer deposited into my account that was blocked. By the bank, no reason given, no correspondence, no email, no call back, the funds were deposited on XX/XX/2020, even though I can't withdraw funds the bank continues to take fees out of the account. I'm now defaulted on mortgage and insurance, and can not pick up XXXX XXXX gifts on lay away, pay bills or utilities ....

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
Nelson Cruz and associates agreed to pay for delete all entries to all credit reporting agencies to which they report. Final payment has been made.

Company response to consumer: Closed with explanation