vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Today on X/XX/17, I went to the XXXX XXXX XXXX in XXXX XXXX,  CA to shop at the XXXX XXXX XXXX XXXX clothing store. The sales associate who rang me up applied a store credit card under my name without my consent. She did n't even ask me about applying for a card. The cashier asked me for my social security number on the keypad to look me up as I remember in the past I used to have a credit card with the store. I only gave her consent to look up my existing credit card and she asked me for my identification, which I provided. When she rang me up I said I wanted to pay with the credit card that was in my hand and she said she just billed the existing store credit card. Since she had already done that I let the issue go. On the screen that i signed it just said that I promised the card issuer that I would pay for the amount on the screen. After the transaction she gave me the credit card disclosures and wrote that I had a new account opened on X/XX/2017. On the printed and electronic receipt I have on my email it also said she applied for a new credit card. I asked the sales associate telling her that I work for a bank and it 's illegal for her to apply for a new credit card for me without my consent but she told me it was on my existing credit card from many years back. I tried calling the issuing bank from the disclosures but it is a holiday weekend and the automated system did n't recognize my information. It advises me to call back during the weekday. The problem I have with this is that the associate never even asked me the consumer if I wanted the credit card. She just applied for it without my consent. I believe she used my drivers license information on the credit card application as well which is my previous address and not where I currently live. After the holiday I plan on contacting their corporate office as I looked online and there have been numerous complaints about opening credit cards without client consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: KY

Complaint narrative:
No contract with company, company stating I owe {$94.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have no contract with XXXX XXXX collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account with Coinbase. On XXXX, I withdrawed XXXX XXXX XXXX of EUR from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of today ( XXXX ), I have still not received the payment. I have tried contacting Coinbase via email and customer support multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions. I need the money and Coinbase is profiting from the float. 

Coinbase Account name : XXXXXXXXXXXX Multiple users are already impacted as of all the complaints here Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Victoria secret credit card uses comenity bank as their lender and they are alleging I owe about 200.00 in late fees and interest. I went in to make my bill back in XXXX or XXXX of this year. I asked the front desk cashier to call the credit card company and find out my payment balance. She did and I was told it was XXXX. I made the payment successfully. I then later received a bill. The bill stated I did not make the full payment and that I was being charged. I contacted Victoria secret credit card and they informed me Victoria secret credit card and comenity bank do not run on the same systems therefore the two can not see each others information. I thought this was inaccurate because I had the cashier call to prevent an inaccurate payment being made. I was a dollar short on my payment so they charged me a whole bunch of late fees and interest. I have called numerous of times trying to settle this with comenity bank and Victoria secret and they refuse to help. They have stated the whole bill is late fees and interest charged from not paying the full payment. I had a balance of only XXXX. The bill is now almost 200.00 because this company refuses to take off those fees. I should not have to be held responsible for their inaccurate system. This bank and store do business together therefore they should make it convenient to serve customers. This is causing the bank to add unnecessary charges and cause unnecessary billing fraud. I want this taking care of as soon as possible. I want all fees and interest accrued from their mistake dismissed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In light of the XXXX XXXX scandal, I would like to report a similiar fraud with Bank of America. On or about 2014, I had opened a Checking Account with Bank of America. Without my knowledge or consent, a Savings Account was opened in my name. After realizing I incured a {$15.00} fee, I went to the branch to resolve the issue. I was told that when I signed up for the account I consented to the charges and the teller showed me the signed form. When I told her that was not my signature, she simply stated she should not have showed that to me. The branch said they would try to resolve the issue and I also reported the issue via phone to customer service. The matter was never resolved, I never received a refund, and I just closed my accounts. I suspect a cover up for falsify documents and my signature to create an account.

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 2017-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc.
State: OR

Complaint narrative:
I originally felt that I had to pay this, but have since been informed that medical debt is n't supposed to go to collections. Plus it 's been 6 years and it 's still effecting my credit score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank states that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX and was self employed my XXXX was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX I lost my XXXX and XXXX XXXX due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my XXXX however it was the only job available to me in a horrible local job market. AGAIN DURING THE DURATION OF MY SECOND JOB I MADE MUCH LESS AND WORKED LESS HOURS THAN WHILE SELF EMPLOYED ( THIS IS COVERED VIA THE CONTRACT FROM CREDIT PROTECTION ) Once again also at NO TIME did i request that the Credit Protection on this account be cancelled and the entire job loss should be covered. To take you have not updated the accounts minimum payment it still remains at {$400.00} with a little over a 1200.00 Balance this is not good business practice my next step will be to report to this company to the Attorney General of the State of South Carolina if all issues are not corrected.

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 2017-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been a customer with PayPal for a year. I signed up for PayPal to sale goods on XXXX. In XXXX of XXXX I sold approximately {$1800.00} worth of merchandise on XXXX. The money was placed on temporary hold until customers received their items. I sold an XXXX, XXXX, XXXX XXXX. The money for the items were released. I deposited the money into my bank account. PayPal reversed the payments and limited my account for additional information. I submitted identity verification, proof the items were delivered and receipts for the items. However, PayPal stated that it was risky and that {$1100.00} would be on hold for 180 days. Despite the customers stating everything was satisfactory with their items I sold them. I was evicted from my apartment and was told not to submit anymore request for my money. I am currently residing in a homeless shelter and only have access to my email. PayPal only claims they are holding my money to protect against chargebacks and that me selling my items below market value is a sign of risk. However, I have sold nothing but electronic items on XXXX with no issues. I sold them at a price that customers would buy them and what other sellers were selling them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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: TX

Complaint narrative:
equifax XXXX and XXXX reporting inaccurate information which i provided police report and id theft gov. report this is in violation of the cra must remove inaccurate infomation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
This debt was in collections. I paid it off in full for the amount of {$120.00} on XX/XX/2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Re : XXXX XXXX XXXX They informed me on XX/XX/XXXX that they were closing my account. I have complied with all terms and conditions and paid my balance off every month. Their language on my letter reads " SHOULD not affect my credit rating ''. They refuse to give me an answer why and have stopped responding to my correspondence. I take great pride in my credit standing so this is very troublesome to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
This debt was in collections. I paid it off in full for the amount of {$120.00} on XXXX XXXX, 2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My ex-fianc and I share a joint checking account with TD Bank. We are no longer together, and I need to remove my name from the joint checking account. On XXXX XXXX, 2017 I went to a local TD Bank branch and requested for them to remove my name. The customer service rep told me the only way to remove a name is if the account is closed completely or I XXXX. This rule is the banks internal protocol and not a federal mandate. My ex-fianc has had this checking account since she was XXXX years old, and her direct deposit and numerous automatic payments are set up with this account. At this point, it is easier for me to die than her to close the account and redo all her things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is reporting on my XXXX Report that the account was closed with a Balance Due ( {$4600.00} ). The balance was paid in full several months ago, but they are still reporting it is due. Account was closed by Capital One about two weeks ago. I contacted Capital One and they agreed there was a XXXX balance, and said the error is with XXXX. I contacted XXXX, and they said that the error is with Capital one. No one wants to accept blame and they are point fingers at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: AE

Complaint narrative:
Representatives from Premier Holdings of XXXX, TX have contacted my mother, father, and myself on several occasions over the past several years threatening possible legal action and garnishment of wages for non-payment of a private student loan with XXXX XXXX. 

They were informed each time that the loan had been settled and to not contact myself or family members again. My Father is not associated with this paid loan in anyway. However, Premier Holdings threatened possible legal action against him even though he is not associated with this debt. In addition, they have been harassing him for years with unwanted phone calls and letters regarding this matter. 

Premier Holdings Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account manager : XXXX XXXX Account manager 's contact : XXXX Account manager 's Rep Id : XXXX Loan Information : XXXX XXXX Private Student Loan Account # XXXX, XXXX, XXXX Amount : {$4200.00} Settlement date:XX/XX/2010 Settlement Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

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 2017-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax had a split file on me and when they combined the file finally my credit score was XXXX points there has been no changes to my credit report and because I complained they had decreased my credit score by a 100 points that is not right they should not be able to do that there has been no changes to my report since they combined my report except the complaint now they will lie to us and say anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
In XX/XX/XXXX I received a letter from Portfolio Recovery trying to collect an alleged debt of XXXX that is not mine. I called inmediately to the phone number provided to inform that there was an error because that debt was not mine. I talked to an operator named XXXX and gave me the address to write to the dispute department. I inmediately disputed the alleged debt and they send the evidence they have that consisted of some copies of statements that are not mine. The statement is from a person named XXXX XXXX who lives in XXXX, Florida. I have always live in XXXX XXXX and my full name is XXXX XXXX XXXX XXXX. I called and wrote Portfolio Recovery disputing the debt and they refused to accept the information given, after receiving various letters and unwanted phone calls I decided to send them a certified letter telling me to stop writing and calling me. After I sent that certified letter in XX/XX/XXXX, Portfolio Recovery in reprisal notified credit companies in XX/XX/XXXX that I had a alleged debt which is not true and affected my credit score from XXXX went to XXXX. I want this information to be removed from my credit report because this alleged debt is not mine. The information given by this company is inaccurate and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
i have been with citizens bank for 16 years. i have a savings account that had a minimum amount required of {$200.00} ( which i did not know ). I went below the {$200.00} and was unaware that they were taking a service fee of {$4.00}. They claim that i was notified because they update their online banking with the statement. I was unaware of the statement and just realized that they have taken the fee five times. I contacted them, told them i was unaware of the low threshold for the bank account and notified them that i did n't realize that they update the online account with the statement. I requested a refund for the service charges and they would only partially refund the fees. I feel uninformed and ripped off by this bank. I spoke to a supervisor over the phone, XXXX XXXX, and he would n't budge. He stated that i should 've known these fees and statements were on the online account. I have a checking account with them and would 've had no problem putting the required amount in the account if i had only known. 

I do not get paper statements because they charge a fee. This is the only bank that i deal with that charges fees for paper statements. I am still owed {$15.00} which is n't a lot, although, this is a principle issue. I was an uninformed consumer and i had no idea that they were charging me fees. They should not be able to get away with doing that to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are " Hard Inquiries '' or " Regular Inquiries '' listed on my credit reports that stay on there for 2 years. I have tried calling and/or filing a dispute regarding sd companies. I 've filed the complaint w/XXXX XXXX, XXXX, and Experian and nothing has been done to fix this problem. I 've also tried putting a freeze on my credit reports and noted that none of my information is to be given out without my expressed permission or my wife, XXXX XXXX XXXX ' permission. 

The following companies are listed on my credit reports which I have never initiated, never gave permission for them to review my credit in any manor and do n't know how they did this. My wife did not give permission either and this simply needs to be fixed as soon as possible. The problem continues regardless of what we do. 

The companies are as follows : XXXX XXXX XXXX via XXXX XXXX XXXX, date XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX, dated XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX dated XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX XXXX dated XX/XX/XXXX ; and XXXX XXXX XXXX  XXXX dated XX/XX/XXXX. 

Again, permission was not given to the companies listed above by me or my wife and I just do n't understand how they are getting our/my credit information w/out our expressed permission. 

I have tried calling the companies but am told I have to contact the credit reporting agency about this, the credit agencies in turn do nothing and have no way of filing a completed dispute form just for this issue. I 've called the reporting agencies and I 've filed in writing the problem w/these companies yet the problem continues. 

If you would please tell me what I need to do to get this information removed from my credit report as well as my wife 's and/or if you could please check into this so we can correct our credit reports w/out all the inquiries it would be appreciated. At this point, I/we simply do not know what to do but definitely want to file a complaint against the above listed credit companies as well as the companies looking into our credit w/out any permission from either myself or my wife. I ca n't imagine we are the only people w/this type of problem and a solution must be found to be able to correct any inquiry problems consumers find in their reports. 

Thank you for any and all help you can provide in this matter and I look forward to your response and/or advise in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation