vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 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: Bull City Financial Solutions, Inc
State: WV

Complaint narrative:
XXXX XXXX has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with XXXX XXXX to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX  report is a Bull City Financial from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX  to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2019, I made a purchase from one of XXXX XXXX locations in XXXX  XXXX. I was led to believe they lady is giving me a membership card but she ordered a credit card under my name without my permission. I immediately cancelled the account on the same day, but since then have been receiving monthly bills. Since then I had to call three times to cancel the account, and each time, was guaranteed the account is closed. 

Last week I received a letter asking me to pay XXXX  dollars for the credit card, due to fees and interest. The due date is tomorrow, and I just not got back from a vacation and witnessed it. 

I called again, and canceled the account, again, through a machine, due to customer service being closed. 

I'm not sure how to address this issue anymore and asking for assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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: DISCOVER BANK
State: WA

Complaint narrative:
About a month ago, I was approved for a discovered card. I received the card, as the already approved me, and used it. Within 3 days, I wanted to finish setting up my online account but fond an error message to call some 855 number. I also received an email stating that discover needed to verify my XXXX idententy, or something like that. I miss managed the form and immediately called to have it re-sent to me, she said it would take a few days to update my account. I IMMEDIATELY filled this 'previous ' IRS address. I filled it and sent it. 

This morning, I received an email that my account was closed! I contacted the chat link, but all I got was 'you will get a letter in the mail '. I asked the chat person if DIscover needed a DNA sample, or what?

1. DISCOVER ACCUSED ME OF STEALING MY OWN IDENTITY! This is humiliating. And they do not know that as a XXXX VETERAN with XXXX, the simple act of 'calling ' IS NOT something I do, yet I did, as a responsible costumer. DO THEY WANT MY MEDICAL RECORDS? I can prove my XXXX! 
I provided all my information to the best of my knowledge in full honesty. I am me!

2. I wasnt even given a chance to make payment before DISCOVER CARD affected my credit reports! Now I have a suddenly, closed account that dropped my score. DISCOVER CAUSED ME CREDIT HARM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/2020, I tried using my Comenity Bank ( Comenity ) issued XXXX  XXXX ( XXXX ) store credit card ( Card ) at the XXXX store in XXXX, PA. The purchase was declined and I was obliged to use another credit card. By doing so I earned loyalty points but not the enhanced total I would have earned had the Card been used. When I got home I called Comenity and was told because the Card was used in a different geographic area from my address there was a fraud block. I told the agent that XXXX is a mere 30 miles from my home address in Delaware and is the XXXX store closest to my home. Apologies were extended and I was told that the same problem shouldnt reoccur. 

On XX/XX/2020, I visited the XXXX store in XXXX. I successfully made a purchase with the Card for about {$100.00}. About ten minutes later I saw additional merchandise to purchase. I went to the cashier and what ensued was a more than half hour frustrating experience with Comenity fraud personnel. 

The new charge for {$210.00} was declined. I received a text message from Comenitys Fraud department. I called and long story short was asked to confirm the {$100.00} transaction and the declined transaction. I did so. I was told the decline occurred because the second transaction came too soon after the first and believe it or not, because of geography reasons, again! I was told the cashier could retry the transaction in 5 to 10 minutes. That was done - repeatedly. No success. After a half hour of waiting at a very crowded check out line I called Comenity again and was told the actual waiting time needed was 24 to 48 hours. Thus, the Card was again useless. I lost the enhanced points I should have earned and was embarrassed and unacceptably delayed - in addition to causing stress for other shoppers and cashiers - and XXXX losing part of a sale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: PA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX until I became XXXX in XX/XX/XXXX. I settled the account with the bank for a lesser amount when I had no regular income in approximately XX/XX/XXXX.

In XXXX, I was contacted by USI Solutions Inc. alleging the account was assigned to them in the amount of {$4900.00} and demanding payment.

Pennsylvania has a 7 year statute of limitations, and the debt was settled. I lost all records of the original account in a house fire in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On a Synchrony Bank Account under my name, there is information posted indicating the account is current from XX/XX/XXXX., XX/XX/XXXX and XX/XX/XXXX. Never in any of these 3 months was the account ever brought current. In fact, it got worse at time went on. This is important because the account should have went into Charge Off status much sooner. It seems to me, it was put into OK status to extend the period in which to try to collect.

The Date it should fall off my credit report is showing as XX/XX/XXXX but in reality that date should be XX/XX/XXXX based on the true delinquency dates. 

I sent an e-mail to The Office of the President of Synchrony Financial in a response to an e-mail in which was sent to me regarding a matter regarding this account. This matter is a separate matter not addressed.

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 2020-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I have been submitting ECFs since XX/XX/XXXX. As of 2 years ago my PSLF payments were accurate however for some reason two years ago they reset to zero. When I called FedLoan and emailed they stated that they would be working on the case to review and update it. After a year of no response I reached out again and still given the same reason of they are working on it. I finally reached out to CFPB several months ago to help address this issue and as of XX/XX/XXXX it was addressed via your help and the PSLF payments were updated. However the counts were slightly incorrect. I have attached their documentation for clarification but the line with " XXXX XXXX XXXX  XXXX '' should be 36 payments instead of the listed 32. The line with " XXXX XXXX XXXX XXXX '' should be 27 instead of the listed 25. The final line with " XXXX XXXX XXXX XXXX '' is correct at 12.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Over the past few months, Portfolio Recovery had sent me correspondence regarding a debt from XX/XX/XXXX. They reaged the debt and are reporting it to the credit bureaus as aXX/XX/XXXX debt. They have admitted over the phone it is from XX/XX/XXXX but refuse to correct it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Dear CFPB : On a span of 3 days, I received 17 calls from Synchrony Bank through different times from the same number. We have our bills up to date, but they stopped calling, even we told them to. I mailed a letter on XX/XX/XXXX, and on XX/XX/XXXX to two different addresses from Synchrony Bank ( one in XXXX and the other one in Utah ), explaining that the calls were unwelcome. We cited the law and the fines per violation. So far I received no response from them.

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 2020-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I was notified by XXXX that a collection account had been added to my report early XXXX. I immediately reached out to this creditor whom I have never heard from via phone or mail, nor done business with and asked them for immediate validation of this debt per my FCRA rights. They responded with a typed letter stating I owe {$1100.00}. It contained no contract, no original loan date, nothing at all with my name and no documentation showing their rights to even collect on this unowned debt. On my credit it also shows that this account was opened XXXX of 2020 which is impossible due to the fact I am currently XXXX overseas. After asking for validation a 2nd time the company has stopped responding completely. I have attached the letter the used as VALIDATION of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I spoke with PDQ Services last month regarding this debt that they claim I owe to XXXX XXXX XXXX . XXXX XXXX XXXX claim that I owe them money for an apt `` trash out '' during move out. They say they have contacted the original creditor " XXXX XXXX ' and confirmed the debt, which is FALSE. As the documents shows on the move-in and move-out inspection that I never was aware of a debt and I never signed a move OUT inspection. I have not received any PROPER validation of this debt and it need to be removed from my credit report immediately. I am also reporting XXXX XXXX XXXX for bogus business practices for trying to rip off residents, not to mention, that when I moved in I didn't have a security deposit. So I guess they wanted to make some money off of me by any means. Again, PDQ is not complying with the FDCPA and are in violation of the act. This account should be deleted immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The CFPB is the biggest waste of taxpayers dollars as it is anything but Consumer Protection. This organization believed a pack of lies from Bank of America on my complaint. Refer to my complaint with Bank of America on your idiotic site. I was defrauded and taken advantage of as a Senior Citizen by a greedy Bank of America employee on the pretext of assisting me. I have a witness as well as a voicemail of admittance on my phone from the Bank of America employee that defrauded me yet the CFPB sides with Bank of America? Shame on you and I hope something such as this scam happens to a CFPB employee. This organization is a disgrace to the American Public. I challenge this organization to publish this complaint as surely it will not be.

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 2020-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVN FUNDING this company is purchasing and trying to collection on a account that has been disputed as Fraud with the original creditor Lvnv Funding Llc Opened XX/XX/2019 {$770.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX I have never had a credit card with XXXX XXXX XXXX this account that is reporting under my personal information is incorrect I am request this account be removed from all reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
We paid our monthly mortgage to PNC via check. We erroneously wrote the XXXX check for XXXX. PNC cashed the check, sent us a letter notifying us of the shortfall and then charged a {$190.00} late penalty although we provided the shortfall within days of notification of the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
I was hospitalized for 2 days. After my release I started receiving bills. I could not keep up or interperet some of the billing and when I tried to make payment arraingments with the medical facility but they said I had 30 days to pay in full. I had not even received all the billings before they turned me over to a debt collection agency which has drastically negatively effected my credit scores. 
The dates originated in XX/XX/2018. I had been making regular on-time payments for 3 separate collections, one was for {$480.00}, one for {$1900.00} and one for {$150.00} those totaling {$2600.00}. 
I recently paid those off in full. The problem with this has been, instead of the collection agency paying off the lesser amounts first, theye applied all payments made toward ONLY the highest amount, leaving the two lesser amounts at 0 % paid for the last 2 years. I was unaware of this practice until I went to apply for refinancing. My credit score went from a equifax score of XXXX to XXXX. It has not improved much because it still showed 3 accounts in collections. the two lower amounts would have been paid within a few months if any money would have been applied to them, thus not damaging my credit as bad or as long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have sent certified mail on XX/XX/XXXX asking this company for debt verification I asked for the amount that they purchased this debt for I asked for original loan document and proof that this debt belongs to me. The company never responded to my certified mail. And I have proof it was delivered. So I contacted them on XX/XX/XXXX and with a unsuccessful attempt the representative was so rude I instead of supplying me with the information I requested he interstates me with a hundred questions about the account he never provided me with any proof so he hung up on me.. I then call back about a week later and spoke with another representative and now Im being told because the previous representative put notes on the account that I was being represented by a attorney they cant provide any information.. I explained to that representative that I am not in any way being represented by a attorney and that the other representative was not being truthful when putting in those comments.. The company then said send us letter stating you are not being represented by a attorney via fax or mail and then we can talk to you.. well I have since done both and this company just continues to give me the run around and not providing me with the information that I am entitled to since this account is reflected on my credit report and I have made several attempts to contact them Ive been dealing with this since XX/XX/XXXX and still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I attempted to apply for the American Express XXXX XXXX XXXX in XX/XX/2019 on the American Express website. The website was unable to submit my application and kept giving me error messages, on several different devices and internet networks. The welcome bonus offered on the website at the time was XXXX points after spending {$3000.00} in the first 3 months. Being unable to take advantage of this advertised deal online, I called AmEx, and applied for the card over the phone. I made sure to ask if I could receive the same promotion as was advertised online, and was assured I would. The agent then informed me that I had been approved instantly and the card was on its way. After receiving the card, I carefully made the required purchases to qualify for the welcome bonus. In XX/XX/XXXX, I had still not received my welcome bonus, so I called AmEx to inquire about the status of the bonus. I was told that it takes 6 months after opening the card to get the bonus. In XX/XX/XXXX,  more than 6 months after opening the card, I had still not received my bonus. When I called to inquire about this, I was told I had no record of a welcome bonus on my account, and was instead offered XXXX points for my trouble. This is a flagrant example of false advertising and bait-and-switch sales tactics, which resulted in serious financial damages as I wouldnt have spent any money on the card, or even opened the account without this welcome bonus.

Company response to consumer: Closed with explanation