vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: DC

Complaint narrative:
I received a letter from Discover ; the letter informed me they issued me a form 1099-C for  the year ending XX/XX/XXXX and, after a review of the account, the form was issued correctly. 

First, I never received a form 1099-C from Discover for the year ending XX/XX/XXXX. 

Second, I should never have received this form in the first place - I didn't open the account, and I never spent on the account, so there was no income that I received - because I never opened the account and never benefited - in any way - from this account being opened. 

Apparently they are " still '' investigating this account as a result of my sharing documents that confirm that I was not living at my then home address then they issued the card, and their claim that they called me to confirm my application is untrue. Based on their statements, this investigation should be coming to a close and I should be vindicated. 

This letter about the 1099-C must be recinded when this investigation officially vindicates my claims of this account being opened via identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
On XX/XX/2019 I mailed a letter ( certified via USPS ) to Debt Recovery Solutions disputing a claim that I owe {$50.00} via the supposed original creditor XXXX XXXX  XXXX   as listed on my XXXX  credit report. This debt is not mine and I do not owe it. I asked them to provide verification that this debt it mine. They have yet to do so. The letter was delivered to their company on XX/XX/2019 at XXXX XXXX. 

I asked them to provide me : 1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They have not provided me with ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I received a notification on my credit monitoring app that my credit score went down 31 points. When I looked at my report, there was an account with from Credence Resource Management. I keep contacting them because I have never done business with them and this is not my debt. XXXX  XXXX was paid almost a year ago. Now the account is reporting closed. I want it off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: WA

Complaint narrative:
There are two instances that I'm writing about.

First is with XXXX, they are reporting that I had three accounts with them when I only had two accounts and I have asked them to consolidate the collections into one account rather than three as it is affecting my credit and I do not want to begin making payments until that is resolved. 
Second, is with XXXX  XXXX XXXX XXXX and north american recovery, They are charging me, what I feel is an exorbitant amount of interest, but also it is supposedly from an overdrafted account but I received a final paycheck to that same account that should have more than covered the amount to have been overdrafted and I am being refused helped when it comes to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting an unverifiable utility bill on my credit report and is detrimental to my life since XX/XX/2019. I have enough bills to cover and I can not afford to have anything hurting my score now. This is causing an increase in interest percentage and a decreased chance of being accepted with different companies. I have contacted the main creditor many times and have disputed many times but the issue remains unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
In an attempt to obtain a partial lien release from Dovenmuehle Mortgage Inc, we endured more than six months of delays due to irresponsible and unprofessional behavior, grievous errors, shift of blame, negligence, and refusal to communicate, convoluting and complicating what should have been an ordinary, simple, clear cut request to release a lien. 

When our mortgage was originated in XXXX it included two separate tracts of land, only one of which was used in the LTV calculation nor was it included in the original appraisal at time of purchase. This was discovered when we tried to reconvey the second tract of land to my mother-in-law in XXXX of XXXX. So, it seemed that the request to release this tract of land would be simple since the land was not part of the LTV calculation. 

However, instead of a simple release, we were subjected to continual and repeated shifting personnel, none of whom would take responsibility to look at the details of our request or take time to understand the history of the loan. Only under threat of complaint to the CFPB ( after 6 months of dodging, delaying and degrading ) and our pointing out errors in communication and paper work was the release drafted. A final insult was that the drafted release was riddled with error - including the wrong tract # and address! 

For this dismal performance, we paid {$1500.00} and an appraisal fee upwards of {$600.00}. In addition to these fees charged by Dovenmuehle Mortgage, my mother-in-law incurred increased construction costs due to the delay of release of her land and inability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: TN

Complaint narrative:
I mailed a letter ( certified via USPS ) on XXXX XXXX, 2019. It was delivered to the company on XXXX XXXX 2019 at XXXX XX/XX/XXXX 

I mailed a 2nd letter ( certified USPS ) on XXXX XXXX, 2019. It was delivered on XXXX XXXX, 2019 at XX/XX/XXXX. 

The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.

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 2019-10-13 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: CA

Complaint narrative:
Ive been disputing information with Equifax for the past three months its coming back stating the accounts are found to be mine but Ive never opened a account with XXXX XXXX or had a XXXX vacuum from them. Ive got the police report as well as the FTC report now they are wanting affidavit thats notarized. This is such a inconvenience on my end with trying to apply for new things this is in the way of me having good credit as well. Jobs have turned me down from all this there is also inquires that XXXX has removed but Equifax has not. I need this information fixed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion has put illegal, false remarks on my credit file for the following CLOSED accounts. I did not give them permission to put any remarks on the following accounts and after repeatedly asking them to remove them and they refuse I am forced to file this CFPB complaint. 

XXXX XXXX ACCOUNTS ( 2 accounts ) Accounts XXXX and XXXX remarks say ( Dispute resolved, consumer disagrees ) this account should only reflect " Account closed by consumer '' and nothing more. They illegally have put ( Dispute resolved, consumer disagrees ) in the remarks section and I want it removed. I have already contacted XXXX XXXX at XXXX. 

XXXX : This account XXXX has remarks that says Dispute resolved, consumer disagrees. This remark should not be on my credit report as Transunion has illegally put this on my file without cause. The only remark should read " Account Closed by consumer '' I have already contacted XXXX at XXXX Stop putting illegal remarks on my file simply because you are trying to retaliate against me for filing complaints against your illegal reporting. This is my right and you are to follow the law and to honor my request or face the consequences for your illegal actions.

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 2019-10-13 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
i got a call from CRC XXXX and gave me a number and reference XXXX, DDA XXXX, file XXXX stating that i did not close a checking account so they kept charging me overdrafts instead of cloing the account. they are suing/civil me for a default on the account not being closed and they are going to arrest me and then garnish my wages. there should be no default, i never borrowed any money from the bank it was used to deposit child support and alimony checks only. i need help because this account is from XXXX/XXXX/2006 how can this account even be in collections and it does not show on my credit report either? sincerely XXXX 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 2019-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
walmart card got opened in my name without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MO

Complaint narrative:
I communicated w/this collection agency via general company email and to specific agent in the company by cease and desist letter on XX/XX/2019. This is an alleged billing from a former apartment complex and is not a legitimate indebtedness.

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 2019-10-13 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: ID Analytics, Inc.
State: FL

Complaint narrative:
On XXXX XXXX and XX/XX/ 2019 I faxed Sagestream , LLC to dispute 3 hard credit, inquiries on my credit report that had not legitimate purpose using the online prepared form provided on the company website. Attached to the facsimile were prior correspondence to the 3 companies to wit the disputes arise as well as personal identity verification documents listed on the company website including a copy of my driver 's license, social security card and bank statement. I have included both facsimile with confirmation receipt to this complaint. 

Subsequently I have received two letter 's from Sagestream , LLC dated XXXX XXXX & XXXX XXXX, 2019. The XX/XX/XXXX letter incorrectly states that I did not provide any verification documents and the XXXX XXXX letter is some nonsensical form letter about Sagestream not selling information, which has nothing to do with the disputes filed.

I have tried to call Sagestream on 10 different occasions never once being able to speak to a representative and instead getting transferred to a voice mail system that is either full or disconnects. 

At this point Sagestream , LLC has negligently handled my identity verification documents I attached in both my facsimiles to the company and has delayed any investigation into the credit inquiries on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
On XX/XX/XXXX I opened up a Barclay Bank credit card with airline miles. I spent over 60k on the card with the understanding I was earning miles paying off promptly each month. In XX/XX/XXXX my bill had a fraudulent charge from XXXX for 120 plus. I contacted XXXX they couldn't help so then contacted Barclay and explained situation. They would not help me as well and without my permission he cancelled account. I called back the next day because I had over 100k in miles ( the promotion ) and explained I didn't want to cancel. They informed me the could reopen account but I was to lose ALL MY MILES!! I told them I'd pay full remaining balance on the account as long as they gave me those miles ( which was going to be honeymoon in XXXX ) they refused. Its still affecting my credit and the WROTE IT OFF.It is complete FRAUD! Please HELP! 
Thank you for your time 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 2019-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit 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 explanation
Consumer complaint received 2019-10-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit 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 explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions.
State: TN

Complaint narrative:
I changed my address and had XXXX transfer to new address. It is a free service the offer but somehow they made a mistake and had my cancelling service hence charging me a XXXX dollar early termination fee. I have contacted them 20 times as well as speaking to their corporate office in Pennsylvania with XXXX. I have been assured for months they would fix and never did. Now it is in collections with a company called Financial Business And Consumer Solutions . Please Help! 
Thanks for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX is now run by Synchrony Bank. I am behind on my payments. They call me from phone number XXXX 10-15 times every single day ( even Sunday ). Some of the calls are back to back. They never leave a message, but they should not be allowed to call anyone that many times in a day. That is harassment.

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 2019-10-13 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
they will not let me file a dispute, after i called them they sent me a letter, saying they can not access my credit file, they put my name as XXXX XXXX XXXX sr, my name is XXXX a XXXX and no sr. they will not take my dispute,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: MD

Complaint narrative:
I have no knowledge of this collection account. Moreover, my husband has had a dispute with this creditor. To which he reported to you on XX/XX/19, COMPLAINT ID XXXX stating that they have not reported this account on anyone 's credit. However, this account has been listed on my XXXX and XXXX reports. Furthermore, Aspen Collections have not reached out to me in any form of communication regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
On XX/XX/2019 I paid check full balance billed to close this account with check # XXXX which was converted to an ACH and paid according to my bank account. I have returned all equipment. I received no notice from XXXX that it was not paid and I have a copy of my checking to use as proof. I have spoken to XXXX XXXX and GC Services and not been able to resolve with them.

Company response to consumer: Closed with explanation