vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX, received complaint from Circuit Court state of Oregon of breach of contract Case Number : XXXX, XX/XX/XXXX : I reached out to the debt collector and spoke with the attorney representing the debt collector, she stated since you called we are no longer going to pursue this legally and will work with me to resolve this debt, negotiations abruptly stopped I received written notice from the attorneys office representing the debt collector advising me the current attorney has been let go from the firm and a new attorney would be appointed. 

XX/XX/XXXX Received general judgement ordered by the court. Awarding debt collector. We were mediating payments and amounts prior to the attorney being let go/ terminated. correspondence stopped and the collection agency stopped all mediation and contact under this new attorney XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
I am a victim of identity theft. Someone used my personal identification information and opened a fraudulent account with Discover Bank. I did not authorized anyone to use my information for some purposes. I've tried to fix it with the credit bureaus and with the Discover Bank, but they refused to delete fraudulent account. XXXX credit reporting agency have deleted this fraudulent account, but recently I obtained my credit report with XXXX and discovered that XXXX reinserted Discover Bank account ( partial account no : XXXX ) back to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Integrated Asset Recovery LLC
State: FL

Complaint narrative:
Portfolio recovery XXXX, XXXX filed a lawsuit against me in XXXX county, XXXX when i live in XXXX county even when i had first opened the credit card account which is clearly on all my records where i live. I was not contacted by this firm to at least come to a monthly payment or some sort of payment to reach settlement, instead i have someone from the court come and serve me a court paper stating that i have about to appear in court XXXX and to travel almost 500 miles or to take a plane to appear in court. This is over {$2300.00} not only that they also mention on the lawsuit that they sent multiple letters to my address or address on file in which i never received any of this letters.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-09 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have a Surge Card from Continental Finance and as usual I made a minimum payment due ( {$28.00} ) like I always do every month and they couldnt process the payment 3 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and my payment wasnt posted on the account which resulted in late payments on my credit report. Honestly I thought that my payments were going through and one day while checking my credit report, I noticed that they reported me late 3 times on payments and I even called them many times and stated the problem which was due to their system and they told me they couldnt help me with it. I always made the payments on time but it was some problem on their system and I am the one whose credit report shows 3 late payments. I even called in today and they said theres nothing they could do and they want me to dispute to the credit bureaus instead!!

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 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX sent in check for {$1900.00} XXXX XXXX as well XXXX sent a total loss check back in XX/XX/2019 and which payment should have been recalculated due to amount being paid to the financial institutions was more than 50 % of original loan balance. Santander is denying to making these adjustments and as a consumer I am being not treat with the respect and was advised from Santander they wore going to make adjustments and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I sent two debt validation letters to this company asking for validation not verification of the debt they say I owe in the month of XXXX, 2019. On XX/XX/2019, this company sent verification of what they say I owe but they sent me procedure descriptions that was explaining personal things as if I signed a HIPAA release form but I never signed the HIPAA release for XXXX XXXX XXXX to release my medical information to this collection agency. On XX/XX/2019 FirstPoint Collection Resources , Inc. sent me a letter back acknowledging that I sent them a HIPAA release dispute letter but yet they still did not remove this account from collections. I've already filed a complaint on this company with the XXXX XXXX XXXX, the FTC, the CFPB and the Attorney General of North Carolina. Now this is my second complaint before I sue this company in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-01-10 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/17 an account was opened in my name fraudulently and now carries a past due amount of over $ 7k with Nordstrom. I have contacted their fraud dept & was told to get a police report. I did & sent a copy to them as well as each major credit bureau. Nothing was done. I have been disputing this fraudulent account for months now but this company will not remove it even with my police report. This account is damaging my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: TX

Complaint narrative:
I had a payment plan back in XXXX that was supposed to go from now on to pay off the debt with the original collection agency and then I noticed that none of my transactions for biweekly payments were processed. that being said I contacted XXXX XXXX   the debt collection agency and they told me XXXX XXXX XXXX recalled the account debt. This new debt agency had failed to contact me via cell or my mailing address accurately however the old debt collector did and so when I contacted the new collection agency they told me they tried to contact or notify me and they put it on my credit report as delinquent as when in fact I have been attempting to make payments so as a result my credit score has suffered greatly. My previous debt collection agency had no information on the new collector whos name is enhanced recovery company and they also increase my debt total

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I put money into an escrow account XX/XX/XXXX at Bank of America in XXXX NJ. Same tenant. XX/XX/XXXX I received notice of it going into unclaimed property. I signed the form took it to my local bank and they faxed it in. That should have been the end. But no. Got another notice and this time they had mistakenly taken the business off the account. Brought my tenant into the bank, she gave her driver 's license and noted that yes the account was in escrow with XXXX XXXX as the agent. All was suppossedly taken care of. Then on XX/XX/XXXX they closed the account and sent to the state as unclaimed property. I have tried to find it at the state and can not. Have no idea how to get this money back. It is techically my tenants being held in escrow.

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 2020-01-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo allowed Fraudulent Charges on both my XXXX Credit Card and My Wells Fargo XXXX XXXX XXXX after my wallet was stolen. I reported these charges to Wells Fargo as soon as I learned the Cards were missing after being pickpocketed in a grocery store. Wells Fargo did not investigate the fraud, They temporarily credited my account for one day and then Reversed all of the Fraud Charges back to my account ( s ) When I called Wells Fargo " Claims Assistance Center '' To Discuss the fraud case, I was told that the Investigator had discovered that per " Dispute Notes '' I had previously done business with one of the fraudulent merchants. Which again is not true. This issue wasn't investigated and Wells Fargo is now charging me over {$14000.00} In Fraudulent Charges. I should not be responsible for Fraudulent charges when I reported this promptly and Wells Fargo Terms and Conditions state they have a ZERO LIABILITY GUARANTEE. However as you can see from the screenshots of my online banking. There were " Several Bank Adjustments '' That were not charges not credits mind you. The Lady in the Claims Assistance Center didn't care to hear what I had to say and told me they will escalate my complaint to the " Executive Office '' Which again never heard anything back. I do not have an XXXX Account The Merchant is fraud, Nor Do I do business with a " XXXX XXXX '' Or XXXX Eats. All of these merchants are fraud and I don't even have credentials to login to any of these because they were never my accounts. How can you charge someone fraudulent debt and expect them to pay fraudulent charges when it goes against your own policies and it wasn't investigated either. I already told Wells Fargo I do not do business with these merchants and have not. Additionally one of the charges for a " XXXX XXXX '' they sent a receipt that has no signature on it. Doesn't look like my writing on the tip either. So again, Fraudster used it " Yet wells fargo verified the charges '' Again. I do not believe I should be responsible for fraudulent charges that I promptly reported. These Charges are causing the credit lines to be over for both cards and it's because of the uber charges, the favor charges, and the stub hub charges all which took place online that were not authorized.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I disputed a debt but no changes were made to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATIONS OF MY NAME!! I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ Data called me for the first time today. When I answered, I was told that they had made multiple attempts to contact me previously with letters to my address and that I now owe $ 200+ to an apartment complex I used to live at. The debt collector claimed the apartment management had contacted me multiple times. I have never heard of this debt, despite even being on the phone with the manager of the apartment two weeks ago, when it never came up. When moving out of that apartment three months ago, I provided my new address via email AND by the required form indicating my intent to move out, so the suggestion that they had mailed it to me at the wrong address makes no sense to me. And yet no letters came. Therefore, I told the debt collector on the phone that I would not be paying until I spoke with the apartment manager to confirm the debt. She asked me for my current address, but from my perspective, this person calling me out of the blue and demanding I give her {$200.00} could've just as well been a scam. But when I told her " I won't be paying right now, if you want you can send me a bill because I'm going to speak to the apartment manager '' I was told that if I didn't pay immediately she would mark my account as " refused to pay '' and " we would have to proceed with further collection ''. Threatening me into immediately paying for something I had never been told about, as if to say " or else ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Complete Credit Solutions, Inc.
State: MO

Complaint narrative:
Debt or account is not mine, these people refuse to validate, call constantly threatening me and Ive never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: VA

Complaint narrative:
Debt Collection for an alleged {$1200.00} debt for an emergency room service from XX/XX/XXXX. Never received any invoices or calls from any other person/company called me for this debt claiming that my insurance company never paid it. I was skeptical because it has almost been 2 years since this happened and I never heard anything about it from anybody. The people told me that they would " work with me '' and offered to " go with 2 payments for {$480.00} '' both in XX/XX/XXXX. I have impeccable credit and because I am I freak out that my credit rating would suffer so I agreed to the payments. The name of the company is AffiliateAS.com Several people I spoke to told me it was a fraud and I needed to block it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received an email of my bill on my Amazon Card ending in XXXX and saw that there was a charge of {$1600.00}. Thinking that it was a fraudulent I called on XXXX XXXX, XXXX to the fraudulent dept. I spoke to the fraudulent dept. and canceled the card XXXX and received a new and current card XXXX. At the time, talking with the fraudulent person who opened a fraudulent investigation and issuing me a new card and canceling the old card, they did not once open my account to see why, what, or where {$1600.00} was charged on the XXXX card because they never asked me. They just opened an investigation and issued me a new card and canceled the old one. 
I have many CC 's and have never heard of this practice before because I've never had such a card before. I understand it's my fault for not reading the fine lines but instead I assumed that it was % 0 interest for 24 months and that the interest would be collected on the remaining balance after the promotion ends. I didn't find out that the charge of {$1600.00} was accrued interest until XX/XX/XXXX because I know it takes about 2 to 3 billing cycles for a fraud investigation to be completed and because I've had many of my CC # 's stolen before and every time the persons I speak too from different banks, actually opened my account, look, and ask me if I made the charges at this or that location, time, or date. The person that I spoke too at the Synchrony Bank fraudulent dept. did not, so I assumed it must have been fraud. If they had actually opened my account to see if it was a fraudulent or not and had the same procedures as the other banks and CC companies have as described above, then they could have informed me that it was accrued interest and not fraud and I would have paid the remaining balance right there and then to avoid this ridiculous interest and that would have been within your 30 day grace period. I've been more than responsible making payments on your card for more than 2 years and no one can help me with this deceptive and misleading promotion. I spoke to many people on XX/XX/XXXX and also 3 managers who has said they could not do anything and kept repeating the same thing over and over to me, which was very frustrating. No one could or knew who to transfer me too that could actually help me.

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 2020-01-10 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: CA

Complaint narrative:
I recently learnt that my personal information was stolen and opened a fraudulent account by Discover Financial Services ( acc no : XXXX ). I am a victim of identity theft. The thief stole my personal identification information and opened a fraudulent account without my knowledge. I disputed this fraudulent account with XXXX, XXXX, and XXXX and they deleted Discover Financial Services account from my credit report. But recently XXXX reinserted this fraudulent account back to my credit report.

Company response to consumer: Closed with non-monetary relief