vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOBXX/XX/XXXXSOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOBXX/XX/XXXXSOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need 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
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
there is no contract

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 2018-01-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Account Opened in Fraud I reported my XXXX ' Store Card stolen in XX/XX/XXXX. I was mailed a new card and the charges from the card reported stolen were transferred to the new card. In addition to this I did not receive statements from XX/XX/XXXX - XX/XX/XXXX. And my website account was frozen which means I could not view my account on the website. At the same time I reported my card stolen I could view statements which were not mine however once I reported the theft all account information was removed from the website which makes it hard to prove to police what is happening. 

The dispute has been ongoing for over a year in violation of the law. 
I received a statement in XXXX for a XX/XX/XXXX charge which is not mine XXXX. I also was overcharged for items which I promptly returned. 

In addition to the harassment ; not knowing what is going on for six months and not receiving statements, XXXX ; XXXX has not been reporting the store account to the three credit bureaus. I have a XXXX Account with a XXXX credit limit which now has a XXXX fraudulent balance which consists of XXXX in charges which are not mine and the remainder in interest which should not accrue during the period of the dispute.

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 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: AZ

Complaint narrative:
This is an attempt to collect on a medical bill that was and/or should be paid by the State Of Arizona. The medical care was contracted under an industrial injury. The injury occurred XXXX2016. The State of Arizona has an claim # XXXX for payment of this service. 

I have told the practitioner who to contact and how to be paid. I believe the state has already made payment and the practitioner is attempting to double bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX I had a legal issue with WELLS FARGO BANK -- - Long ago it has been adjudicated in XXXX. CASE CLOSED! Yet they keep negative reporting on me. Please cease and desist. Matter is over and done,

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 2018-01-19 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies : Chase bank inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a unsucure personal loan.

With Wells Fargo. I have been banking with them since 1996. I submitted my XXXX for last 3 years and my last pay slip from Maryland before I was sent overseas to work for 6 months. I also submitted my 6 months of pay stubs in Euros. I was told from my local banker that my application looked good I have a credit score of XXXX  after having XXXX only two years ago. I was asked a few days later to submit my pay stubs again as they could not read them I did and then I got a call saying I was conditional approved. They also sent a email to say the same. Next day loan was declined I called in was told Wells Fargo are not able to convert Euros to US dollars.

They they said I could not use Euros as income. I informed them that I had to submit all my income with the IRS.

They then said I should try another lender I said I would not as I have only banked with them since 1996. They then said to try to include my wife 's XXXX  income I was a little hesitant to do this as she has some bad credit from 6 years ago. We did do the application it go declined was told because of my wife 's bad credit and also that I had changed jobs so many times. I have had the same job for six years and the job before was for 12 years. I have excepted the decline but did feel the treatment from Wells Fargo is fair and as this will put economic hardship on me as I will probably not get a loan else where after my credit shows Wells Fargo pulling my credit twice.

Regards,

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I sent {$3500.00} to Coinbase on XXXX XXXX at XXXX. The money was take out of my account the same day around XXXX. At this moment coinbase is saying they do not have my money. 

This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had an XXXX Store card from XXXX XXXX and I spent couple thousands dollars per month, and always pay on time. I accumulated couple hundreds of cash rewards without using them yet. Suddenly, they closed my account due to some technical glitch which is not my fault. I lost all my unused rewards, and I suspect that that is their way to make more profit by not paying the reward. Look at the bad review at XXXX XXXX XXXX where people complain about the same issue. 

I called them multiple times, and they kept transferring me to different department saying that they will transfer me to their manager and then the phone got dropped.

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed Wells Fargo checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XXXX/XXXX/XXXX, I received written notification ( see attachment ) from Wells Fargo Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from Wells Fargo concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.

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 2018-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX from 2015 I never had a loan from XXXX XXXX XXXXXXXX at all, and they keep charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: GA

Complaint narrative:
XXXX XXXX University has violated my rights under FCRA. They placed a charge off account on my credit report in XX/XX/XXXX that is inaccurate. They certified to Experian that I settled an account with them in XXXX. I sent a debt validation letter to XXXX XXXX over 30 days ago, and they have not responded therefore they need to remove the account from my credit report. They reported I settled an account with them, but have failed to provide proof that this occurred. I am planning to file suit due to their dishonesty. 

Experian continues to report debt but has not verified the accuracy of the account even though Ive disputed it several Times. Experian allowed XXXX to report this account last month as a charge off settled legally for less than what is owed. I never settled an account. I do not have an account with XXXX XXXX. This is inaccurate reporting and both companies have violated my rights under FCRA. I have filed a complaint through BBB. The next step will be a lawsuit against both companies.

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 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA- XXXX XXXX Dear Capital One, Capital One Credit card ending XXXX Today ( XXXX2018 XXXX XXXX PCT ) I called your customer assistant Plan department and answered XXXX and asking payment assistant plan for above account number. Begin she not treated me as a valued customer and she asking same questions again and again. I told her I had account Last 4 number ending XXXX already in Payment assistant plan and I need to sing up with this account as well. 
She without checking said for me your both account current and not eligible for payment plan. I felt she given me wrong information. And same time she treated me unprofessional and I felt discrimination. 
I told her to transfer to account supervisor and I spoken with XXXX ( Customer Advocate Department ). She also very unprofessional  behavior and she cover it up XXXX XXXX was right. She basically said I have to skipped 4 months minimum payment and get my accounts past due and call again and see I am eligible to payment plan. I felt also she discrimination on me. 
She transferred my call to executive office and answered my call XXXX ( ID : XXXX ). She also not help me out and she not give any positive feedback. I felt each persons treated me very unprofessional. 
I having hard time financial situation and I loved to keep this account open and Please help me reduction APR for short period really appreciated. 

Thank you .. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My ex-husband had a credit card with USAA XX/XX/XXXX. He added me to the account as an authorized user so that I can use the card. I never authorized to be a secondary card holder at any point or to have any financial responsibility for the card because I did not work. When we divorced my ex-husband defaulted on this credit card account. USAA has been trying to hold me responsible claiming that I have authorized them to add me as a secondary user at some point which is untrue. USAA refuses to allow me to have my own checking/savings account as a result of my ex-husbands defaulted credit card. My ex-husband also filed for bankruptcy. I have contacted USAA numerous times to have this straightened out. I have even asked them to send me proof of a signed contract that I authorized anything. They sent me a letter claiming they found proof, however they did not send me any proof. They did not send a contract, no signatures, or any info on what kind of proof they had. This is because USAA is being untruthful. They are trying to hold me accountable because he defaulted and filed bankruptcy. I have never authorized them to put me on as a secondary member because I did not work while I was married. USAA has charged off this account over 3 years ago I was told by a Representative who said they could not help me get a checking/savings account. I have recently remarried, and my spouse is a USAA memeber and my current spouse is trying to add me to their existing checking and savings account. USAA is refusing the allow my current spouse add me to their checking and savings account. I have been trying to resolve this problem for over 12 years now. Please help resolve this issue. 

Thank you

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The week of XX/XX/XXXX I sent Equifax a letter to verify collections and inquires on my account. For the collection accounts I never received verification or validation but on my credit report for XXXX XXXX  which is reporting 4 times for the same debt for & XXXX, XXXX XXXX for {$29.00}, XXXX XXXX XXXX ( 8 times ), XXXX XXXX, and XXXX. As for the inquires I have n't recieve any validation or verification that I requested for XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX in XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXand XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I believe I am a victim of predatory lending. Around XX/XX/XXXX I made a purchase on a vehicle, a XXXX XXXX XXXX  from a car dealership in downtown XXXX area called XXXX XXXX XXXX ( May not be exact name ). The salesmen was able to get me a loan through a company called Lobel Financial at a desirable rate.I test drove the vehicle and everything seemed to be fine, until I took it home. This was the beginning of the end. I started experiencing problems with the vehicle within the first two weeks I had it. The transmission was " slipping '' in between 3rd and 4th gear, It was overheating and there was something going on with the engine. After getting stuck on the side of the road a few times, I returned to the dealership to try and get help with the problem to no avail. I ultimately had a mechanic look at it and he told me that the vehicle " would never run again ''. He explained that a new engine was needed in addition to my already existing transmission problem. I had already changed the thermostat, oil, and replaced the battery. I am a XXXX XXXX and I could barely even afford to do any of those things. At this point I was upset. I even contacted the finance company and received nothing but nasty language in return. At the end of the day Lobel Financial just wanted their money. If they 've kept they 're logs and stayed true, these problems should be documented on my account. It is my belief that I was sold a lemon purposely. There was a lot of pressure from the salesmen to " buy '' this vehicle because tomorrow could yield different results ( as far as monthly payments ). Now I have this on my credit report and would like it to be removed. This is unfair and unlawful. I have successfully obtained a lien against the car dealership. Now I would like to seek out a solution from the finance company which is removing this off my credit report. This is hurting my credit and stopping me from future purchases..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX, Capital One inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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:
Experian is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2018-01-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief