vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a membership with XXXX. XXXX recommends credit cards on my profile based on odds of approval. So I decided to try luck with Discovery Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since XXXX is recommending for me to apply. Also, I believe Discovery should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 the company responded to my existing complaint submitted on this site and clearly stated The agent was able to set the customer up on a monthly payment plan to begin on XX/XX/2020. Unfortunately, the agent did not properly set up the payment plan nor remove the ACH block on the account. This caused the customers first two payments to return and not process successfully. I have screenshots to show that this company is still reporting my payments to my credit report as past due for all my current payments for the month of XXXX, XXXX, XXXX, XXXX and most likely XXXX. This error done by XXXX agent has occurred more than once and is harming my credit report with inaccurate information. My account is not in collection nor past due as I am current in my account as have been current.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX and Experian are still reporting a bankruptcy that does not belong to me. XXXX has removed the inaccuracies and I sent a letters for both XXXX and Experian to follow suit. I also was told that it was verified with the court in which the bankruptcy was filed. I reached out to the court in XXXX sc and Got a written letter that they dont verify such items and the letters I was sent from both XXXX and Experian said it was verified through the courts. Now there is a big discrepancy.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a membership with Experian. Experian recommends credit cards on my profile based on odds of approval. So I decided to try luck with XXXX Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since Experian is recommending for me to apply. Also, I believe XXXX should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. 

Thank you. 
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 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CSO Financial
State: OR

Complaint narrative:
I received a letter from Credit Services of Oregon in XXXX or XXXX of XXXX saying was in debt for {$1100.00} to a doctor I visited back in XXXX. I had not received any billing requests from the company in question back and I assumed my medical insurance covered the cost. I looked on-line and found the statue of limitation in Oregon for debt collection is 6 years so I thought this must be one of the Zombi debt issues and I ignored it. Everything I read online said that I would get a notice if one of these silly debts was going to court. On XX/XX/XXXX my employer received a garnishment request from the State of Oregon for the {$1100.00}. I never received any notice of a hearing where I could contest the debt. As of tomorrow XX/XX/XXXX I will have sent a certified letter requesting more information on the debt in question. Although " ORS 646.639 section 4a '' states : '' A debt buyer or debt collector acting on behalf of a debt buyer engages in an unlawful collection practice if the debt buyer or debt collector : ( a ) Files legal action against a debtor or files legal action to attempt to collect a debt if the debt buyer or debt collector knows or after exercising reasonable diligence would know that an applicable statute of limitations bars the legal action to collect or the legal action to attempt to collect the debt ; '' the State of Oregon XXXX XXXX still approved the judgement, even including the statement " A judgement was entered against the Debtor for the debt, or the debt otherwise became subject to garnishment, on the XXXX day of XX/XX/XXXX. '' I XXXX XXXX XXXX over 15 years ago. I know everything was paid up back when this took place but I can not prov it. I was never given the chance to even dispute it nor did I received a letter that this was going to court. Now I have a garnishment with my employer ( super embarrassing ) for a debt I didn't even know existed. This does not seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my husband and I went to Citibank in XXXX, CA to open up a {$100000.00} checking account, {$100000.00} savings account, and {$460000.00} CD. There was to be a {$1000.00} bonus added to the checking or savings account as a new customer. This never happened. 

In XXXX, XXXX we received a letter stating that due to lack of activity, the accounts were being closed. My husband called the bank and was told he needed to speak to XXXX XXXX, Citibank Relationship Manager. She looked into the problem and said it was not related to this account, that there it was related to an account in LA, previously set up by XXXX XXXX mother, XXXX, now deceased. The account previously put in XXXX XXXX  account. XXXX spoke with XXXX XXXX and said everything was OK, there was a question on the trust. 

Next thing we know, our accounts which we opened up were closed and all the money was sent back to us. When XXXX tried calling XXXX to find out why this was done ( we never wanted them closed ), she never returned the phone call. 

This is fraud!

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
around XXXX Suntrust bank closed my account. they refused to tell me why. they have given me the runaround for months. there was XXXX dollars in the account at closure. further more my stimuls check has been sent to the same account. suntrust took the stimulus money without sending notice back that the account had been closed. in total suntrust owe me XXXX dollars.

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 2020-06-16 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: Granite Edvance Corporation
State: MA

Complaint narrative:
Hi, please help me with my concern. I saw XXXX XXXX XXXX on my credit report and I have late payments ( XX/XX/2019 and XX/XX/2019 ) in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I opened a bank account through Current an online banking institution that reportedly provided teen checking where I could have my sons allowance deducted from my pay and transferred into his account. I was charged {$36.00} for annual subscription services and after this amount was deducted, it took 7 days following my date of pay for the {$20.00} allowance to be deposited into my sons current account. Then the amount would be on hold for 2-3 business days. I have contacted them on numerous occasions dating back to XX/XX/20 requesting that my personal banking information be removed and to close the account. I have not received a response following 3 outreaches. I attempted to engage them this evening by chat to make my request and waited 1 hour and 23 minutes with no response. I want to file a complaint against the institution for refusing to remove my banking information and not closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
In XX/XX/XXXX, As a ten year XXXX XXXX customer, I underwent a phone upgrade while adding an additional line to my wireless service. During the process, the free phone purchase was applied to the incorrect line and required XXXX customer service to correct the service lines. Unfortunately, a supposed unexplainable error occurred impacting my account and required numerous finance technicians to correct the matter which unfortunately resulted in major account discrepancies and a sudden balance of XXXX which I was initially informed should be offset or corrected in the upcoming billing cycle. As a long time XXXX customer, I had no reason to question or distrust this answer. 

it should be noted that XXXX policy requires accounts to be current before processing any upgrades of new line activations. If such balance existed on my account, the upgrade would not have been permitted. 

Through numerous attempts to correct the discrepancy, XXXX representatives were unable to identify the error, the account was somehow modified with a XXXX balance for illegitimate charges including for the remaining lease of a phone which XXXX required be paid in full in order to upgrade and was done so, yet the next bill reflected a balance for the cost of two phones simultaneously tied to one individual phone line, a circumstance not allowable per XXXX policy. Remaining balance for the remaining lease of the phone was paid in full with cash in store while the new phone was free as part of a promotion with activation of a new line. This was the arrangement I signed and paid for, yet modified during the correction of the phone lines. 

Numerous attempts to address the issue have been made, but XXXX representatives have been unable to understand the issue as my entire account was modified unexplainably and resulting in account changes that are incorrect, exploitive and fraudulent. 

A XXXX balance is unrealistic as XXXX only allowed a XXXX credit limit, a XXXX balance would not have been approved under any circumstance and would have been disconnected at the XXXX mark, but in no circumstance would XXXX have allowed me to accumulate a bill that high, the charges were sudden, erroneous and illegitimate and are being pursued fraudulently. 

As a result of the inability to understand and correct the issue, I was stuck with a XXXX balance and service termination due to my inability and unwillingness to pay these illegitimate charges. XXXX has forwarded this item to collections, and despite numerous requests for validation of the amount and dispute, I am yet to receive any logical explanation or documentation substantiating the issue and have been significantly impacted from a credit standpoint as well as hindering my ability to obtain wireless service from any provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: KY

Complaint narrative:
I am a XXXX Veteran that is fully aware of the laws pertaining to medical debt from outside treating physicians/hospitals. I was told the bills submitted to my credit file were never paid by the Dept of Veterans Affairs when in fact they were never billed to them. I spent nearly 3 weeks making calls and collecting the appropriate documents. After numerous calls I discovered the bills were never submitted to the VA for payment and XXXX XXXX XXXX superseded the federal law prohibiting collections against veterans. H. Rept. 115-1025 -  PROTECTING VETERANS CREDIT ACT OF XXXX. I have made several calls to XXXX and left several messages for a supervisor to call me back regarding this situation. To this date I have not received a call. I advised them to send the bills in to the VA and they refuse to do so, they additionally stated they do not need to follow the law that was passed. XXXX  medical billing department has since sent my file to CHOICE RECOVERY where they have reported the collection to my credit. I am attempting to buy a house for my family and now my credit score has dropped over 35 points due to their clear and intentional violations of federal law - - Account Number XXXX - - Account Type Collection - - XXXX XXXX XXXX - - Date Opened XX/XX/XXXX - - High Balance {$0.00} - - Monthly Payment {$0.00} - - Account Balance {$580.00} - - Last Reported XX/XX/XXXX - - Amount Past Due {$0.00} - - Limit {$0.00} - - Remarks - - - Responsibility Individual - - Past Due - 30 Days 0 - - Past Due - 60 Days 0

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/2010 a process server served a XXXX XXXX with a Case # XXXX that individual had a debt with XXXX that individual passed away in an affidavit filed with the court The same case # XXXX was then also used on XX/XX/2010 for a debt to XXXX for me I had done a motion with the court and advised of this and the judge decided it was a typo and didnt want to look at the case because I didn't show up to court back in XXXX. I was not properly served the same case number was used for 2 different judgments on 2 different people. Asset Acceptance has overcharged on the debt and retroactively imposed interest charges I have called and tried to do a settlement but they refuse to settle for less than the full balance. Now in a pandemic and am being garnished and it is causing a hardship

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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: Conn's, Inc.
State: CO

Complaint narrative:
On XX/XX/2019, I received a SPECIAL OFFER letter from Conn 's Home Plus : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from Conn 's I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If Conn 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If Conns would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, Conn 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

Conn 's has been removed from my XXXX  credit file but the results from my dispute with XXXX and XXXX have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that Conn 's has voluntary reported to different sources IS CONTRADICTING. 

Conn 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
TOTAL DECEPTIVE TRUTH IN LENDING STATEMENTS. USAA FRAUD CREDITS ARE HIDDEN INTERNALLY TO FRAUD CONSUMERS. See attatched XX/XX/2019 statement. OTHER CREDITS {$2.00}, XXXX. Kindly Note at bottom statement CREDITS XXXX $ XXXX XXXX  $ XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX NEXT PAGE see top next page CREDITS XXXX $ XXXX XXXX XXXX XXXX *** $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEXT WE HAVE A TOTAL LINE OF THE ABOVE AMOUNTS that is incorrect ( TOTAL CREDITS APPLIED {$910.00} ) All amounts ARE NOT INCLUDED IN THIS FIGURE TOTALING THEM. ( all amounts above listed below the ** ) ARE ( NOT ) INCLUDED. Kindly Note NONE OF THE ADJUSTMENT CREDITS ( usaa temporary fraud credits ) ARE PROVIDED BY USAA. " DECEPTIVELY MADE TO APPEAR USAA CREDITS WERE PROVIDED WHEN THEY WERE NOT. '' These figures really total {$2.00}, XXXX MISSING USAA CREDITS OF {$1.00}, XXXX. With no explanation. All hidden internally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CA

Complaint narrative:
Dispute is For Chase Bank Checking Account On XX/XX/XXXX there were couple transactions occurred on my debit card that wasnt authorized by me. I disputed those transactions Totaling around XXXX $ .After Careful review chase closed the claim leaving me with my credit that they applied to my checking account on XX/XX/XXXX they wrote me a letter stating that the claim was closed and they are leaving the credit they gave me in my account. On XX/XX/XXXX they reversed all credit that they credited. After reviewing the transactions and closing the claim they dont have any right to reverse them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2010 a process server served a XXXX XXXX with a Case # XXXX that individual had a debt with XXXX that individual passed away in an affidavit filed with the court The same case # XXXX was then also used on XX/XX/2010 for a debt to Citibank for me I had done a motion with the court and advised of this and the judge decided it was a typo and didnt want to look at the case because I didn't show up to court back in XXXX. I was not properly served the same case number was used for 2 different judgments on 2 different people. XXXX XXXX has overcharged on the debt and retroactively imposed interest charges I have called and tried to do a settlement but they refuse to settle for less than the full balance. Now in a pandemic and am being garnished and it is causing a hardship

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 2020-06-16 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2

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