vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
There was a XXXX XXXX XXXX credit card opened in my name in XX/XX/XXXX. I don't or never had a XXXX XXXX XXXX credit card. I don't ever look at my credit report so i was unaware of this. Couple months ago when my debit card was used by someone other than me, my bank notified me and shut it off and issued me a new card. That is when I started looking at my credit, paid some things off. I did notice a collection from a XXXX XXXX XXXX. I investigated it and found that in XX/XX/XXXX XXXX XXXX bought that XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX XXXX. It showed {$700.00}. I disputed it because I never opened that account! On XX/XX/XXXX the dispute came back as verified as accurate that it is actually correct and it is going to stay on my credit report! I immediately filed another dispute that same day because I didn't open it and the amount went from {$700.00} to {$1000.00} the day the dispute came back! I did not open this account. Not sure how all this went under my nose and now I don't know how to correct something I wasn't involved with except someone used my information. I see at the bottom of this page it asks for documents. I have none that is why this is so bizarre! I only have what it says on my credit report which is not accurate! They can't make me pay a debt I didn't create! HELP!! 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXXXXXX XXXX  XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXXXXXX XXXX XXXXXXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Transunion refused to remove this alert stating only " special handling '' required, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.

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 2018-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
my credit limit was decreased from XXXX to XXXX dollars on my account without proper notice, however ive never missed a payment and have only had 1 late payment throughout my account history

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
Recently received a debt collection from XXXX, XXXX XXXX XXXXXXXX XXXX XXXX   concerning a Discover Bank debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from Discover bank * A copy of all attachments has also been mailed out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband and I submitted a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. They were supposed to respond within 30 days, but have not. Our follow-up letters have also gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I applied for a title loan. I was approved and a notary met me where I had to sign some documents. One of those documents was consent to automatically take the payment from my account every month. My husband had passed away, I was going through XXXX XXXX myself and then had a life threatening stalker and had to move out of the only city i have lived in for 46 years. I did not pay attention to my account. i should have. The loan payment was not coming out of my account. The first payment was due XX/XX/XXXX. in XX/XX/XXXX I was at a friends taking care of his mom after XXXX and the a company came and repossessed my car. When my car was taken I had had a qtr less than a full tank of gas. When I picked the car up, the tank was empty, my tire was flat, a rosary that my grandmother gave me that was blessed by the pope had been ripped from the rear view mirror because there were only 2 pieces left. My battery was dead. The place I picked it up from had to give me a jump start to get it started. They have yet to report to the credit that the car is not repossessed, they have yet to respond to several emails and a few phone conversations they keep demanding their payment which I intended to pay off with my tax return, I had done everything they asked of me, and yet, I STILL have no word on the status of my belongings or the damage to my car. And my credit score is getting worse and worse after working so hard on it since my credit went bad as I was a stay at home Mom when my husband was first sick. This is not ok. I have emails, automated voice messages, and haven't heard from them in some time now. It has been 4 months. And nothing is resolved. I need a tire, a plastic piece that goes under my hood, the XXXX XXXX that I am paying monthly for because it's on a contract, A new battery, a tank of gas, and the rest of my belongings. From day 1 they did not do anything they stated they were. I can not even get my XXXX year old son a car because they have damaged my credit because I will not pay anymore payments, ( which I had made 2 payments since then but they have yet to resolve any issues with my things ) so I refuse until they give me some resolution. I have all documentation backing this up. But am at work so I will send them when I get home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, There is a Chase Card on my credit report, I don't even have the full account number just the partial provided on report. It says it was opened in XX/XX/2017 last year. Oddly enough it has a credit limit of {$11000.00}, but there is {$21000.00} balance and it has been like that since it appeared on my credit report. It says there is a monthly payment of {$660.00} and it appears to be " current '' with a couple months with late payments according to my report. There is an inquiry on my report for this card on XX/XX/2017. I assure you I XXXX XXXX XXXX did not open a credit card on this day. I only have one credit card and its with XXXX XXXXXXXX XXXX. 
I did not open this credit card but do know this was around when the XXXX  security breach occurred. This card is not on my husbands credit report either. 

I have disputed it many times, but this is fraud and I need help getting it off my credit report! I don't know even where to start with Chase since trying to get it removed with a online dispute hasn't worked. Please help! I do not have a Chase Card. This is causing huge issues, I believe this is a part of the breach and I tried to get help from XXXX as well. I did not authorize this card inquiry and this is not me!! 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to find out why XXXX XXXX can just close an account you have had for 28 years, no money was owed, everything was current! This happened to me with a XXXX XXXX. No notification given, I went to use the Card after I had filled my car with gas, only to be told my account was closed. I was shocked. They are doing this to all accounts that they have power over. This has to be against the law thus my reason for filing this complaint. I feel this is total discrimination, especially against a recovering XXXX XXXX patient.

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 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Arvest Bank in XXXX, OK. On XX/XX/2018, I walked into a local branch to close my account and was told by the clerk that she could not close the account but that I could wait for a sales person to become available to help me. I chose to withdraw all my money from the account and then indicated I would go through their XXXX number since I did not have time to wait for the local branch sales person. 

I then went home and contact Arvest through their XXXX line. After 20 minutes of hold time, a representative came on the line to take my information down and then told me that they could not close my account, but if I would hold, they would get a representative on line that could close my account. Another 10-15 minutes of hold time and the initial rep got back on the line to apologize that all of the reps were busy ... but one would call me just as soon as they got off another call. 2 hours pass. 

I call again to the XXXX line to go through the exact procedure above, again to find out that no representative is available to help me. I know they are stonewalling me and will try to keep me hanging long enough to charge me a fee for insufficient funds in the account ... this seems very poor and I don't know what I can do about it except ask for your help. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IA

Complaint narrative:
I applied for a loan and they charged an interest rate of 727.65 % interest. I didn't realize until later that Iowa law only permits lenders to charge 433 % for a 14 day {$100.00} loan. Is it legal for them to charge me such a high interest rate? I don't know if I can pay it back, I was desperate at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
loan XXXX I had to call to find that I had a credit balance that I could use lender emailed me the form ; I signed and faxed back I asked to have the check expedited since I need it for high electric bills in AZ rising to111 degrees lender will not XXXX XXXX the check its going to take up to 3 weeks for the check to be received

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sometime on Wednesday XX/XX/XXXX, i lost my wallet, and had my debit card, ID and bank information inside. Later that day on XX/XX/XXXX and XXXX, unauthorized checks were deposited in my account in the amounts of {$4700.00} and {$5100.00} were deposited into my bank. On XX/XX/XXXX, 2 withdrawals of {$2500.00} were taking out my account and on Friday XX/XX/XXXX, another {$2500.00} was withdrawn, I was not notified until Friday XX/XX/XXXX about these transactions, I was on my XXXX XXXX for my XXXX program both Thursday and Friday XX/XX/XXXX, XXXX from XXXX both days. I filed a claim with Wells Fargo, and police report with my local police station and they launched an investigation, the bank credited me half of the money back, but the lead investigator accused me of somehow being involved in this and giving permission for these withdrawals that i did not authorized. My account also was supposed to be closed at the time, but was not and they are not returning my Direct deposit of {$400.00} and credited it towards my closed account. They also closed my credit card account with them and the available balance i had was credited to this outstanding balanced and told to re apply for another card, when my credit card was not compromised and i still have possession of it. I feel the matter was not handled properly, im pretty sure footage shows that i am not the one at the bank making these withdrawals, and the teller did not follow protocol as to getting identification, or manager involved because those are huge amounts, and i get asked for Identification at my branch for a couple hundred dollars, so all in all i am being forced to pay XXXX to a closed account due to the banks error on catching these huge amount transactions, and feel the case was not handled correctly by the investigator as to accusing me of being involved with 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 explanation
Consumer complaint received 2018-06-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX to remove the hard inquiry listed on my credit report. The letter stated I should be compensated for the hard inquiry because they where not able to verify it was me. I called the call center and spoke with a gentleman. He STATED THAT there where several people in their system listed in my name. I asked that they should remove my name and the hard inquiry. He transferred me to the fraud department who stated they would investigate. I keep getting calls from XXXX XXXX. They are asking me to call them from my XXXX cellphone that I do not have. Will someone please assist me with this because I have already requested that they remove the hard inquiry if someone took out a cellphone and has service than XXXX XXXX should call the police department and threaten to deport them to wakanda and not me. I should not be XXXX to XXXX because someone has a cellphone with my social and my name. Please Assist Me. Does XXXX XXXX not screen any incoming phone calls or do they just allow anyone to verbally register a phone is someone elses name. This is a white collar crime. This is identity theft. Please allow me to review all records XXXX XXXX has in my name. I have never requested service with XXXX XXXX. Not know or ever in the past or present or in the future because of this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I have already attempted sinceXX/XX/XXXX to settle out on this car with this company. This has taken place from XX/XX/XXXX  up untilXX/XX/XXXX. I have submitted several complaints and in the motion of filing for arbitration. This company is indicating that I owe {$11000.00} and is valid through XX/XX/XXXX. I have already paid over {$15.00},XX/XX/XXXX for this car in which it was Contract Amount : {$13000.00} / Amount Financed : {$13000.00}. 

This car engine is no longer working. The car is not worth more than {$1000.00} and the company has failed to try and settle out this debt with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: DISCOVER BANK
State: FL

Complaint narrative:
My name is XXXX XXXX and I have a XXXX debt forgiveness from Discover card in XXXX {$690.00}. I am trying to buy a house and Discover continue to report me with late payment today XX/XX/2018. I had called many times myself, even when my mortgage company and I called them they will not issue a letter stating that my account is closed even though they told me it is close and will not remove or stop reporting that I am still late. Could you please help me ... 
It shows a dispute was resolved but there is still an outstanding balance. The dispute is resolved and the resolution was she still owes the money. last reporting XX/XX/18 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: HOVG, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client XXXX XXXX XXXX XXXX purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX  with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX  credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
Our mortgage was taken over from XXXX XXXX XXXXXXXX to Carrington Mortgage. I must say that we did NOT request a change in mortgage service We got the information from Carrington and immediately set up online automatic debits for our monthly payment. My husband also spoke with a representative at Carrington who ASSURED us that it'd be a simple process. After about a month into the new mortgage service, we started getting calls about our payment being late. We explained that it CANT be late, that we see on our bank statement that it is in fact being debited automatically. We wrote letters, e mails, faxes, phone calls, etc all to no avail. Now they have turned us into the credit bureau and my husband and I both lost 100 POINTS on our credit score as a result of their mistake. I would not recommend Carrington to anyone!!! They have ruined our credit as a result of THEIR XXXX up. 
I recieved a pre approved notice for a loan refi through a credit union. I was denied because they stated " you are behind on your mortgage ''. I looked at my credit report and Carrington has reported that we have made NO payments for 6 months which is completely incorrect!! They DEBIT our account automatically twice a month to fulfill a monthly payment! We are not late on our mortgage. Their customer advocacy department is horrible. I have called them numerous times and again today. You can not get anywhere with them. For the third time I sent them copies of my banking statements where they have deducted payments since they took over the loan last XXXX. I asked them to update our credit to show that we are NOT 6 months behind because it is simply not true.

Company response to consumer: Closed with explanation