vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover sent unauthorized credit cards in my name to addresses that I haven't lived at to a fraudulent user that illegally used the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I noticed this company attempting to collect a debt after seeing my credit report. I do not recall ever getting a letter informing me of the debt so I sent a request for them to validate the data and amount for I had medical insurance and do not believe an outstanding debt was incurred. I have sent 2 requests, both by certified mail. I have yet to get anything from them validating this debt so they have ignored me twice yet continue to report such as I have just checked today. 

I don't know how they are able to just ignore me and violate the law as they have done and are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover is harassing me due to an account and related charges that they allowed a fraudulent user to obtain access to my credit card. I have called or emailed in weekly with additional information, with requests for updates, with a request for a contact person to reach out to me directly. However all they do is hang on most of the phone calls, delete information I have sent in, or remove my requests for review, and then mail out letters demanding payment for charges that ( 1 ) I have already paid for and ( 2 ) that I have consistently proved are fraudulent ( 3 ) and that I have been double billed for. The customer service departments and executive office refuse to call me back and talk in person to resolve this, but continue to add bonus charges and fees for their mistake in billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
This is the second time XXXX XXXX has reported that I owe a debt to Exeter Finance. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXXXXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
PRA Receivables has my vehicle towed from a debt that was paid off in my bankruptcy. They never sent a letter to me but I woke up with my vehicle gone. When I reached out to them they had no answers for me and said give them money or my vehicle would be auctioned off. I worked hard for my vehicle an I feel this was just a legal theft for something that belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STERLING JEWELERS, INC.
State: CT

Complaint narrative:
XXXX XXXX opened one or two credit accounts in my name by one or more of their store employees without my authorization or consent. The account ( s ) were opened at their XXXX store located at XXXX XXXX XXXX, XXXX, CT XXXX. The company was fined by the CFPB in the amount of XXXX XXXX for this type of behavior, their employees get you to apply to avoid charging you for services such as a watch fitting, they take your information and apply you for an account and state it is optional to open. However, it appears they in fact opened account ( s ) and they were used to make purchases which I did not authorize or make. I request these accounts removed from credit bureaus/collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
About one week ago my wife and I went to the local jewelry store in XXXX, IL called XXXX XXXX to see about purchasing an item. We were unsure if we could afford it, and the jeweler asked if we would like to check our credit to see if we could take out a loan with Wells Fargo that would cover the cost of the item. The jeweler said that it would not hurt our credit and that we would not be obligated to use credit after checking it. After giving the jeweler the information, we were told we were eligible for enough of a loan ( {$10000.00} ) to cover the item. We could not decide if we wanted the item at that time and told the jeweler so. We later discussed and decided to not purchase the item. Now, we have received a credit card in the mail of Wells Fargo XXXX XXXX with ( additionally ) the merchant name on the card of XXXX XXXX with a credit limit of {$10000.00}. We did not authorize or want a credit card, and this was opened against our will.

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 2019-04-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I rang Equifax to query why my credit score has been consistently negative even though I do not have any negative reports on my Equifax report. I was not given an explanation of why Equifax is consistently negative. I am now beginning to think that Equifax is negatively profiling me. No one at Equifax could explain to me why my credit score XXXX, yet I do not have a negative report on file. Equifax failed to explain how it reached to this poor credit score. It should be noted that Equifax is the only credit scoring company that has been consistently negative. I am now convinced that they are relying on other information that I am not aware off. How else would Equifax explain its negative report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX SYNCB CARE CREDIT received a letter disputing the account they were reporting on my credit report. ( Please see " SYNCB/Care Credit Letter 1.pdf '' and Screen Shoot For " SYNCB/Care Credit - Delivery 1.png and " SYNCB/Care Credit - SIgned 1.pdf '' ) I know that SYNCB CARE CREDIT had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report. 

30 days after XX/XX/XXXX I checked my credit report and SYNCB CARE CREDIT Failed to place a " Notice of Dispute '' on my account. 

XX/XX/XXXX, I sent a follow-up letter to SYNCB CARE CREDIT. ( please see " SYNCB/CARE CREDIT Letter 2.pdf '' and " SYNCB/CARE CREDIT - Delivery 2.png and " SYNCB/CARE CREDIT - SIgned 2.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period.

Additionally, I've added signed copies from SYNCB CARE CREDIT proving they not only got the letters but also signed off on the letters. 

Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " SYNCB XX/XX/XXXX '' png

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 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC has reported that I owe a debt to XXXX XXXX XXXXXXXX. I disputed this in XXXX and the company never responded to my complaint. I have contacted this company by phone at XXXX and by certified letter sent to LVNV Funding LLC c/o Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX. I have never had an account or owed anything to a company called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I attempted to make a payment with wellsfargo for XXXX to complete my payment for {$300.00}, instead they took XXXX out and then are telling me that I authorized the payment for {$2200.00} not {$300.00}. Wells Fargo will not let me listen to the phone call. Instead, they are telling me that I authorized this an I did not. They have overdrawn my account, they will not allow me to listen to the phone call with out an attorney. My account will be in default as a result of this, and they are blaming me. I called in good faith to attempt to make a payment and Wells Fargo made a mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services of Iowa Inc.
State: TX

Complaint narrative:
XXXX has posted a collection to my credit report from Credit Bureau Service of Iowa, a collector for XXXX XXXX in XXXX XXXX, IA. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in 2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with XXXX, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.

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 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Several checking/savings accounts were opened in my name by Bank of America which were not authorized. I had an account at one or more times, BOA reps insisted I opened a second account which would be used solely for bill pay, second account was opened and which several fees including overdraft were charge to it. These accounts were not authorized. XXXX XXXX engaged in the same behavior and offered a settlement for fees charged to unauthorized accounts. I request a refund of any and all overdraft fees charged to accounts opened by BOA without my consent.

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 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid my account in full and Capital One continue to charge me interest on my account when it was at a zero balance. My account was paid in full and the failure to disclose any additional interest due or fees associated with that is a violation of fair collection practice. A reps told me that is not an option when paying online. They said they will not disclose any additional fees or interest and you would have to wait until next billing statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XX/XX/2015 Reported Limit {$1700.00} Reported as Identity Theft Filed complaint with Credit reporting to have it removed. They have not removed it. 
Contacted the credit card company and they can not verify the debt belongs to me. 
Portfolio Recovery is saying I owe them {$2300.00} took me to court and provided false documents and could not verify the debt was mine. I filed and appeal with the court and a counterclaim was placed against Portfolio Recovery. awaiting court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: WV

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-08 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: EQUIFAX, INC.
State: WV

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC has reported that I owe a debt to XXXX XXXX. I disputed this in XXXX and the company never responded to my complaint. I have contacted this company by phone at XXXX and by certified letter sent to LVNV Funding LLC, c/o Resurgent Capital Services, XXXX XXXX   XXXX, XXXX, SC XXXX. I have never had an account or owed anything to a company called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/2018 ; I opted out of having my credit reports shared. XXXX XXXX has lower my credit limit significantly on my XXXX account, XXXX XXXX  account, XXXX XXXX account and XXXX XXXX  account using a credit score more than 60 days old. XXXX continues to violate my privacy by providing inaccurate credit reporting and outdated credit scores. XXXX reporting scores are nearly 100 points less than XXXX and XXXX. This is affecting my ability to obtain credit with companies that use XXXX for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CO

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: IL

Complaint narrative:
There is a person by the name of XXXX using my credit report. I receive emails with his name attached to my report. I called all 3 bureaus and nothing was done. I reported that there was identity theft and I received an email regarding identity theft tied to my name and email account. The report comes from Experian.

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 2019-04-08 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have never received any notification, written nor verbal regarding any debt or amount still owed to XXXX   Hospital. The only way I found out was when my credit was checked by an authorized company. The amount stated on my credit reports is {$110.00} owed from XX/XX/2018. I have attached the letter I sent to XXXX XXXX XXXX with a copy of my bank account entry from XX/XX/2018, showing I paid this on the date of my hospital visit. It was never past due.

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 2019-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
I was a joint account holder on this account.. The account was settled in court and paid by the cosigner. The company is still reporting the full balance on my credit report when this was settled in court and paid in Full. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CO

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-08 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:
please find attached the police report and the FTC report for the items that are reporting on my credit file, by mistake or fraud. 
i have tried to fight with the bureaus and it has been unsuccessful, i need your help in order to remove these inaccurate public record and the discover account from my credit file. XXXX  is reporting a Bankruptcy that does not belong to me, and Experian is reporting the XXXX account that was opened fraudulently under my name, they have placed back the XXXX with out even considering me had been a Victim of ID Theft, please help me to remove these 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 non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a XXXX XXXX Visa credit card which is owned by Citigroup I called them last month to make a payment to my account I asked the representative how much I still owed in order to know how much to pay. The representative gave me the amount that I still owed. 

I then asked the representative to use my Bank XXXX XXXX account to pay XXXX I have two accounts linked with them. I have a Bank XXXX XXXX account as well as a XXXX XXXX XXXX account. 

A week later I noticed three 32 dollar overdraft charges on my XXXX XXXX XXXX account and realized that the agent must have mistakenly used that account instead of the Bank XXXX XXXX account I requested him to use. 

When I called XXXX XXXX Visa to tell them about the error and to request that they reimburse me for the associated fees and interest charges they asked me to send them a copy of a statement showing the fees. I faxed them a copy. 

When I just called them back to follow up with this issue I was told an investigation was done and they determined they did not make any error in processing the payment. I told them this was a mistake and that the recording of the call would be proof of me telling the agent to use the Bank XXXX XXXX account and not the XXXX XXXX XXXX. When I asked to hear the call they refused and said the only way would be to get a lawyer and subpoena the call. 

I can not afford to do this so I am not sure what I can do at this point but I know I gave them the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief