vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC
State: OR

Complaint narrative:
I received a message last on XX/XX/XXXX or XXXX XXXX 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a XXXX XXXX checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is Consumer Recovery Solutions and I was billed through XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On or about XX/XX/XXXX at XXXX XXXX ( not sure which time zone ) I contacted XXXX ( Synchrony Bank handles their credit card ) from XXXX at XXXX to ask how I could pay them, the {$32.00} TOTAL I owed them and that was due on XX/XX/XXXX, because I was overseas, I did not have my full account number, only the last four numbers, and was having difficulties trying to pay online. I was told that I could send a check through my bank to an address they gave me ( XXXX XXXX XXXX, XXXX, GA XXXX ) and that the last 4 numbers and my name would suffice. After asking for reassurances, that were given by XXXX, that was done, according to my bank, on XX/XX/XXXX ( Check # XXXX was mailed to XXXX XXXX XXXX/Synchrony Bank for receipt by XX/XX/XXXX ). I then forgot about them since I had not incurred any other charges. Some time after I got back, I was catching up on my mail on or about XX/XX/XXXX, when I opened a XXXX statement and to my utter surprise found that they were saying I was delinquent for the XX/XX/XXXX payment, and had various additional charges. I notified them immediately about the error, what had transpired, AND sent them proof of the payment sent. I also told them that the payment had NEITHER cleared my bank nor been returned to the bank 's payment service. After a series of contacts, including phone calls, they advised that it could take 30 days for them to investigate what happened to the payment. I was n't happy it would take that long, but there was not much I could do about it. Then, I received an alert from one of my other credit cards ' credit alerts service advising that my score had changed. It seems XXXX/Synchrony had negatively reported me and my score had taken a hit. At that point, I contacted them again and expressed my outrage ( I have more than 6 other accounts with them, more or less, never late, etc. ). They were very disorganized and not understanding what was happening. I was trying to explain that, at the very minimum, they should suspend all the charges and statuses until they could determine what happened to the check. I then filed a dispute with the credit bureau or bureaus and, lo and behold!, they were able to immediately respond to that action ( no thirty days required for that ) and sent me statements about the payment not showing up and, therefore, declaring the reporting as being correct. No payment is showing up because something happened at their end at the address they gave me!! They are absolutely clueless and disconnected from their departments but, in the meantime, they are UNFAIRLY and WRONGFULLY hurting 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 monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on XXXX and Experian. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.

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 2017-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a purchase of {$48.00} on XX/XX/XXXX using my XXXX XXXX card. On XX/XX/XXXX It acquired a finance and late free charge of {$28.00}, this was due in part to the fact that I had been issued a new debit card by my bank and could no longer make payments using my existing account. On XX/XX/XXXX After calling, XXXX was able to credit me {$15.00}, which brought my balance to {$61.00}. 

On XX/XX/XXXX I made a payment of {$48.00}, brining my overall balance to {$13.00} plus a minimum charge of {$1.00} which was assessed on the account on XX/XX/XXXX. This brought my total outstanding balance to {$14.00} with a due date of XX/XX/XXXX. 

On XX/XX/XXXX I paid the total outstanding balance of {$14.00}. However, on XX/XX/XXXX I was charged another minimum charge of {$1.00} ( which I was never notified about ), followed by another charge of {$15.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX. All these charges bring to me to a current overdue balance of {$52.00}. 

I do not feel like it is my responsibility to pay the remaining balance, when my total balance was paid off on XX/XX/XXXX. They are alleging that the addition of the {$1.00} minimum charge on XX/XX/XXXX is what rendered my account overdue and triggered the subsequent charges to be assessed to my account. When I called and spoke to a representative I was told that " minimum charges '' are assessed on accounts on the fifth of each month. That charge was not on my account on XX/XX/XXXX and account activity shows it was applied on XX/XX/XXXX. In the past the " minimum charge '' had been added to my statement on XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX, conveniently, it was added on XX/XX/XXXX. 

I tried my hardest to satisfy my account with XXXX XXXX all while coping with a mother who was XXXX of XXXX. When the average consumer looks at the account activity page which is supposed to help cardholders it is very confusing to understanding how charges are being applied to the account and what the true outstanding balance is. XXXX XXXX is penalizing cardholders by assessing late fees on XXXX balances. XXXX XXXX assesses charges without showing the true outstanding balance which misleads consumers who are trying to pay off their cards. I am not responsible for the total outstanding balance as it is made up of charges by XXXX XXXX and not reflective of any purchases made using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a text message that my ATM card had been used to withdraw {$40.00}. I was sitting in my hairstylist 's chair with product in my hair so I was able to call immediately. Fortunately, within 15 mins I was able to wash my hair and excuse myself from the rest of the appointment to call Chase and let them know there must be some mistake. I was 30 minutes away from the ATM location listed on the charge ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). I still had the ATM card in my purse with me. The representative assured me that my money ( {$40.00} ) would be returned to my account, but that the card must be closed. I asked how this could happen. This was a newly activated card and I had only used it at another Chase location ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) a few times. Again, representatives told me that thieves have ways to clone cards and copy pins. Since I was getting my money back I was relieved, but aggravated I had to get a new card. The money was returned that same day. 
Then on XX/XX/XXXX, I noticed a pending reversal on my account for the {$40.00}. Chase never notified me that they denied my claim. As of today I still dont have such notice. I spoke with XXXX XXXX from the XXXX XXXX branch and he has tried to help. However, Chase corporate will not release video tapes to review who was using my stolen information. Nor will Chase review how many other accounts this may have effected at the XXXX Chase ATM. I strongly believe I am not the only one. {$40.00} is very small, but if you take {$40.00} from multiple people this could add up quickly. Its someone who knows how the system works. They use a low amounts so it is least likely to be detected in a timely manner and not enough to warrant a police report or seizure of surveillance tapes. Since this theft occurred at the Chase locations ( I NEVER used my card anywhere else ) Chase is responsible for the money stolen. For all I know it could have been an employee at Chase or Chase simply not properly monitoring their ATMs for hacking devices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was  removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received a message last on XX/XX/XXXXor XXXX of 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a Wells Fargo checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA  and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is XXXX XXXX XXXX and I was billed through 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
Consumer complaint received 2017-12-11 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I filed for bankruptcy. In speaking with my attorney, he advised me to stop automatic payment withdrawals on all credit cards which I did. I cancelled my Wells Fargo XXXX account three times since XX/XX/XXXX. I have emails to show the cancellations. The withdrawals still came out. This last time the withdrawal caused my account to go negative. I called them to complain about the situation that they have now taken approximately {$400.00} out of my account that was not authorized. They spoke to me as if I was uneducated and said I must not be cancelling it correctly yet I have emails showing the cancellation should have been completed. They told me I was re enrolling which I most certainly did not as I was following my attorney 's advice. I will now have to open a dispute with my bank since the charge came through. I just think this is very unfair since I cancelled the automatic payment withdrawals.

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 2017-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax states that it needs a several digit PIN for me to unfreeze my credit report ; they never sent me one and I need my report unfrozen ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
We requested that Equifax put a freeze on our credit, as we were among the 130M whose PHI was hacked from their data base. It became necessary for me to open a personal phone account with XXXX on XXXX XXXX, 2017. XXXX was not able to open the account due to the freeze. I spent at least 45 minutes on hold with Equifax waiting for someone to pick up, in the XXXX office and no one ever did. We contacted Equifax at home and asked them to release the freeze for 72 hours will I was applying for the account. I went back to the XXXX office one during the 72 hours and went on line with XXXX for them to start an account and both times they were told there was a freeze. We then went to Equifax and asked them to permanently lift the freeze. Two more attempts were made by XXXX to start an account and both times they were told there was a freeze, the most recent was XX/XX/XXXX. However, on XX/XX/XXXX, we receive communication from Equifax that the freeze had been removed and our complaint was " completed ''. 

If I needed to have credit issued for any emergency, I could not because Equifax has been inadequate at fixing this problem. Please advise what I can do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit Bureau is in violation of FDCPA, FCRA and also XXXX compliance. The account in question is over 10 years old.

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 2017-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I do not have a contract with Common Wealth. 

I do not have anything that shows that I have a debt with this company. 

This debt has been on my credit report before and has been removed after contacting the CFPB. 

They have now put this debt back on my credit report. 

I have no knowledge of what this is for. 

It needs to be removed from all credit bureaus. 

They are now in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A few months ago, I attempted to obtain my annual free credit report from Equifax. They advised me that I was unable to receive it because they required evidence of my identity. I provided that information to them, by mail ( as instructed ), 1.5 years ago and 2 years prior to that. Today ( XX/XX/17 ), I completed a preapproval application with XXXX. They advised me that they could not extend any offer to me because they were " Unable to verify my Social Security Number ''. I immediately contacted them. The agent inquired if I had any other creditors. I explained that I did. She advised that I contact Equifax ( whom they used to access my credit record ) because they showed no SSN for me. I have credit monitoring accounts with XXXX and XXXX. Equifax seems to be the only agency that refuses me ( or any other creditors I seek out ) access to my records. I am extremely concerned because of the recent breach in security with this agency. Why were my records never updated when I 've provided them proper documentation twice? Maybe this is how our information was so easily accessed because many " balls seem to be dropped ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I have been trying to resolve an issue with some medical collection s on my report that 's not suppose to be on there. Two accounts from Receivable Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit report score has fallen almost 200 points and nothing has changed with my credit history. I have complained about a debt collector and the number of times a hard inquiry have been added within the 14 day time frame and each month my credit report falls dramatically. I need to know the reason for this drastic change. Is this retaliatory?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
This collection company is not licensed in my state also violates HIPAA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
Part of the XXXX Breach and Neglect from Chexsystems  my personal information was hacked last year XXXX 2016 with XXXX XXXX and my Checking account was Hacked and used to withdraw Funds from and Bad deposited Check and Chexsystems after numerous disputes has neglected and failed to properly verify my claim with the Bank and has taken sides with the Bank on a Fraud dispute and has not deleted this Fraud Account and Balance from XXXX XXXX from my file as a Result XXXX XXXX has been Advised to Cease and Desist all collections and Reporting on a Fraud disputed 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