vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.

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 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I was trying to pull money off my card to pay my rent. The card said daily limit so I called card issuer. I verified with the same information like always except this time the lady on the other end said I couldn't verify the information she had and froze my account. I jumped through their loops sent in copies of the requested documents and waited the time frame. Incomm has yet to do there job in the allowed time and can't be reached by phone. Myvanilla just keeps apologizing and giving excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have been trying to get Hunter Warfield to remove a collection account for {$6000.00} since XX/XX/2019 that is not mine. Its from XXXX XXXX XXXX XXXX and its for a rental home lease that I never had nor authorized as Ive own my home/mortgage for over 25 years. Ive submitted identity theft report/FTC report and filed complaint with XXXX. Ive never leased a home nor authorized and all they sent was a payment statement and an online doc sign. I have A1 credit, my own home and this is causing hardship as it is inaccurately reporting. Ive sent multiple letters requesting docs/validation and also proof of identity theft report. I have NEVER entered into any contract with this company and want this deleted immediately, next step is retaining an attorney, they even contacted me via phone after receiving the first notice with a cease & desist regarding thus invalid 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 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have recieved 2 calls in 24 hours on my private cell number that I have not given out as it's a work cell. I politely asked them not to call and got another call within a day 's time. They also are asking for someone who has a name close to mine or severely mispronouncing my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/20 I received an alert on my credit file that a collection was added. I have no knowledge of who the creditor is, the amount owed, I never received any statements, I have no contract, Midland Credit has never sent anything to me and my current address of 10 years and I have no known knowledge of this matter. I found the account number on the negative listing on my credit report ... The only way I saw how to contact is it being listed on my credit file. I am requesting that they immediately delete and clear up this matter and remove and negative from all 3 credit bureaus immediately. 

I did mention in my letter attached that this could be very well another part of my identity theft where my social security was compromised and I have been dealing with this for over a year to clean up the anguish caused. So now this!!!! 

I have also provided the Federal Trade Commission Affidavit number for my identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: DISCOVER BANK
State: ME

Complaint narrative:
In XX/XX/2019 I refinanced my house and my bank paid my Discover Card balance in full as per the telephone conversation the loan officer had with the Discover Card agent. 

I continued to get emails for a balance due. I contacted Discover Card and the problem was taken care of. They had not taken the interest on the loan into consideration when they gave the balance due. The Discover agent negated the interest and verified for me that my account was closed and I wouldn't be receiving any more bills. 

I continued to receive emails and additional amounts of money. I was able to have an agent put a stop to the bills when she checked my account and told me I wouldn't be getting any more emails. 

I continue to get emails for promotions and a balance due. I am not able to label the emails spam. The address doesn't fall into a category that will accept it. 

I want these emails to stop. They are harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2019, XXXX XXXX came and purchased my couch for {$100.00}. She paid me through paypal. 10 days later she disputed the transaction through her Visa debit card that she did not receive the couch. The bank opened a dispute with Paypal and the {$100.00} was taken out of my Paypal account. 

I have videos and proof that she took my couch. XXXX is not denying it and sent me a letter from her bank, XXXX XXXX XXXX XXXX that she lost the case. Paypal decided on my end that they are saying it was decided in the buyer 's favor ( XXXX XXXX ), but neither her nor I have the {$100.00}. Paypal also charged me a {$20.00} chargeback fee.

This is such a scam and fraud of Paypal. 

I have attached a letter that was sent to XXXX proving that she lost and that I won. Paypal is saying that I lost because I didn't have seller protection. I don't need seller protection when I have proof that the bank sided with me in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I paid a payment on time on XX/XX/20 the about Was XXXX and on XX/XX/20 the Amount I paid was XXXX and all the transactions were valid ... then a couple days later It declined my transaction because I wasnt aware that the funding source I paid it with wasnt valid .... But!!! The transaction went through. A couple days later they declined the payment and made it seem like it was a late payment but it Really Wasnt ... so I was wondering if you guys can help me out with that a problem, Because it wasnt my fault that I didnt know that the funding source was invalid, Even though I paid it and the Transaction went through and it made my credit score dropped 59 points ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
XX/XX/2020 Without warning, FNB of Omaha cancelled my credit card. They sent me a letter AFTER they had cancelled it, confirming that they did indeed have my correct address on file.

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 2020-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received and E-mail from Discover on XX/XX/XXXX at XXXX XXXX   letting me know my card had been declined a charge ( {$64.00} ) for : Payment Protection Services. I at no point have enrolled in this program and the website clearly states that it is completely voluntary. In the last twenty-four months i have been charged roughly {$1200.00}. That is as far back as my statements go. Again, I at no point opted into this program. I called Discover and they said they could only refund me for the past six billing cycles. This is completely criminal. I have discovered charges dating back to XX/XX/XXXX ( {$35.00} ) as their online account only goes back that far. I have been a customer since XXXX and suspect that my charges date back that far. The service costs are {$0.00} for every {$100.00}. This is predatory and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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:
Experian is in Violation for of FCRA rules, and FDCPA. ( Please see detail attachment ) Experian is currently reporting damaging information on my credit report. 
As it appears on my Experian credit report : XXXX XXXX   XXXX Account # XXXX In Violation for not reporting last date of payment ; .account must be removed : as it appears on my Experian credit report : XXXX XXXX  XXXX currently reports inaccurate last date of activity, a violation ; delete account. 

: As it appears on my current Experian credit report. 

: XXXX XXXX  XXXX currently reports inaccurate last date account has been updated. 

Please delete account for reporting inaccuracies.

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 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have an existing mortgage with the Golden-1 CU in CA. I recently attempted to procure a rate-reduction mortgage refinance ( from 5.5 % to 3.5 % ). I saw the G-1 's published rates steady at-or-about the 3.5 % level and initiated the process only to be told those rates were for " purchases only '' and not refinancing. I was shocked by this response and began researching rates more broadly only to discover refinance rates are significantly higher and it is now the norm for lending institutions to blatantly discriminate against citizens wishing to refinance. As someone who worked in mortgage finance most of the 1980 's and has been a real estate executive in CA state civil service for 27 years, I know the majority ( if not all ) conventional fixed-rate mortgages are sold secondarily into XXXX/XXXX ( qualifying ) tranches based on " risk '' ; defined by income, debt ratio, and LTV. The market is, in effect, discriminating against the lowest-risk borrowers who, like me are higher-income/low LTV families pursuing payment, which makes the loan even less risky. This discriminatory practice is just WRONG, and it should be stopped immediately.

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 2020-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MD

Complaint narrative:
While enrolled in college, my daughter took out two private loans from a lender to cover personal living expenses ; I am a co-signer on one of those loans. Following graduation in XX/XX/2018, she began a one year assignment as an XXXX XXXX volunteer. The lender would not grant her a deferment for that service, so her repayments were scheduled to begin in XXXX or XX/XX/2018. In late XXXX, we reached an agreement with the lender to begin automated payments ( including catch-up amounts ) in  XX/XX/2018. As she had not found full-time employment ( and still has not ), I agreed to have payments deducted from my checking account. Payments were timely made in XXXX, XXXX, XXXX and XXXX. However, the lender may have misapplied one of the XXXX payments as I began receiving notices of past due amounts on the loan for which I co-signed. After working through this with a representative from the lender 's call center and providing them with bank documentation, I received a letter stating that the payment was reapplied to the correct account. However, the lender is still claiming the account is past due, even though all payments have been made, and are demanding payment for the alleged past due amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Best Buy Credit Services, Citi Bank. Morally Bankrupt? 

First off, I think it is safe to say a {$60.00} fee on {$500.00} line of credit is outrageous. I think this fee is purposely more than the minimum payment so Citi can accrue interest on it by spreading the payment out over multiple months for customers enrolled in autopay. 

In XXXX I purchased a laptop on the CC to help with online classes I was taking at the time.I made several other purchases over a 6 month time frame. 

In XX/XX/XXXX I paid an annual fee and asked for the account to be closed, the customer service rep convinced me to keep the account open, as a favor she would reduce the amount I owed. To paraphrase, she explained it was in my best interest to keep the account open since the fee was taken care of. Understanding that closing a credit card could harm my credit, I enrolled in auto pay at that time. 

In XX/XX/XXXX an automatic payment was applied to the account for the XXXX annual fee but not for the total amount, I switched banks between XX/XX/XXXX and XX/XX/XXXX. The next month the payment failed. 

I have another account with Citi that I was current on this entire time. 
I called in late XXXX to close the account and I thought this brought me to a XXXX balance but apparently I was mistaken. 

As of XX/XX/XXXX my credit report reflects the account is closed by the creditor. Late payment of over 90 days balance of {$150.00} that Citi forgave and did not send to a collection agency. 

As a result my credit score was dinged about 80 points from around 705 to XXXX Citi employee XXXX of Best Buy Credit Services team # XXXX denies that it was predatory to offer to reduce my balance if I would consider keeping the card open in XXXX. Citi also denies that a {$60.00} fee for a {$500.00} line of credit is predatory because I could have requested a credit line increase at any time. Citi claims that as a young person I am a credit risk and thus a {$60.00} fee is justified.

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 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX my card ending in XXXX was stolen. I reported it stolen on XX/XX/XXXX and the card was closed. A new card was issued and my privacy preferences were set to not allow merchants to be given the new card number and no transactions on the card ending in XXXX were to be transferred to the new card. This should never have been done as it violated my privacy preferences elected and the charge was made on a card which was reported stolen and closed. 
Despite these precautions being taken on XX/XX/XXXX XXXX XXXX XXXX XXXX processed a charge for {$1700.00} on card XXXX which had been reported stolen. The card information was manually entered according to CitiBank. Upon notifying Citi Fraud Operations of this unauthorized transaction, Fraud stated it was a billing dispute and not a fraudulent transaction because I had previously done business with the merchant. This seemed extremely wrong, however they transferred me to billing disputes. Billing Disputes opened a dispute case and issued a temporary credit. 
on XX/XX/XXXX Citi reversed the temporary credit stating it needed to go to billing disputes and forwarded the case to security operations. Upon speaking with security operations on XX/XX/XXXX they stated the case was a billing dispute and transferred me back to billing disputes. Billing Disputes transferred me back to Security Operations. This went on for close to 2 hours. Finally I requested to speak to a manager, not a supervisor. This request was denied and I was told in order to have this and the any disputes looked at I would need to write in to the office of the president, which I had already written into. 

Case XXXX Case # XXXX was previously filed after my personal financial information was compromised by a local hotel and reservations under my rewards account were made without my knowledge or approval. Subsequently charges were made on XX/XX/XXXX and XX/XX/XXXX for hotels and XXXX were reported fraudulent as well. Citi stated the charges were valid because I had done business with the merchants before. This was Citi 's decision despite being very aware I was not even in XXXX, TX ( the city where the charges took place ) as I was already traveling for the holidays and having issues paying for my hotels in other cities as a result of the fraud charges and card being closed. My new card was even sent to my father 's home in XXXX XXXX, TX. 

I have written in, supplied complaints filed with the justice department, and Texas attorney general, as well as replied to all letters from Citi well within the time allotted with all the information requested.

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 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a notice dated XX/XX/2020 that I owed a debt over several accounts in the amount of {$10000.00}. Account # XXXX I contacted TSI [ TSI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ]. I registered that i was disputing this debt. 

I contacted my insurance company ( XXXX ) that was my insurance company at the time of the alleged debts. I spoke with a representative by the name of XXXX ( These communications took place between XX/XX/20 and XX/XX/20, which were recorded. XXXX can produce all, and i give them the right to do so ). 

She looked into my account between the alleged dates of service ( XX/XX/XXXX to XX/XX/XXXX ) and found no record of any claims being filed. There is one claim in the amount of XXXX that may be a legitimate claim. 

She contacted TSI and spoke with XXXX in their insurance department. After 5 attempts she has received no return calls. 

I registered an online account, and found that there is a disparity between the written statement, and what is online. The information they have from the originators has either an incorrect address, or no address. The largest claim of XXXX has no address listed. No entity has been able to produce a record or details of this claim. 

My agent ( XXXX ) has contacted TSI in good faith to resolve the dispute, as the debt is not owed. They have not responded in a timely fashion. This debt should be nulled, it is not my debt, and I was not billed in a timely manner. My insurance company has no record of any claims filed in this timeframe, and it is far past the 180 days required for a health insurance provider to bill them. 

This is a billing error by one or several health care organizations and is not a debt i owe.

Company response to consumer: Closed with explanation