vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I called pen fed credit union to let them know of some fraudulent activities on my account and they acknowledged all the transactions and refunded the money to me. Later on I received a letter stating that I need to write a statement in regards to what had happened with that merchant and I did. In return they sent me an email from the fraud department that they will need to hear from me before XX/XX/XXXX in order for the funds not to be reversed, since I am out of the country I called them on a XXXX  phone in order to ask why if I received ba letter that I need to make contact before XX/XX/XXXX and now you guys have reversed the funds and now caused my account to be in a negative status. Below is the letter I wrote to them to support my claim. 



To whom it may concern, I am writing this letter in regards to those charges that was fraudulent in my checking account and that I did not authorized this company XXXX. I tried a promotion they were having in regards to making a deposit of {$10.00} and they will match your deposit and also gives some additional funds. I was not aware that this company was going to store my card information on their website and when I realized all of the unauthorized charges I quickly call my banking institution to make them aware of the discrepancy and to let them I never allowed XXXX to charge my debit card. 
These charges were not made by me and I tried calling them and they keep on transferring me without any response and they also closed the account as soon as I reported the fraud. Thank you for your quick resolution This is the response they sent me. 

Hello XXXX XXXX, Thank you for your most recent information regarding the 12 {$25.00} sales to XXXX. I am sending you this email with the following information : If you do not recognize these charges, please contact our Fraud department no later than XX/XX/2019 or the matter will be considered closed. You may call XXXX or from overseas call collect XXXX and report the account as being compromised and state that these particular transactions as suspected Fraud. The above referenced account will be shut down and you will receive a new account number. Additionally, the Fraud representative will advise you that an affidavit will be sent to you within 7-10 business days that you must complete the affidavit and send it back to begin the fraud investigation. 

If you have any questions, please contact XXXX Sincerely, XXXX XXXX Credit Card Dispute Analyst XXXX ext XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PenFed.org I  have not had any issues with this credit union nor any disputes and they should not have handled my case this way.

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 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several years ago I won a Dispute against XXXX XXXX for Id theft / unauthorized charges and it was removed. Experian has now reinserted the same debt under a different debt buyers name. This is an account that was fraudulent and should be removed ASAP.

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 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
Several years ago I won a Dispute against XXXX XXXX for Id theft / unauthorized charges and it was removed. XXXX has now reinserted the same debt under a different debt buyers name. This is an account that was fraudulent and should be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed something that is drastically affecting my credit multiple times, however since the company I am disputing is a paying member of this company, they simply just take their word for it. I have asked several times for them to show me documentation where i agreed and received a loan from them and they cant provide yet they are still able to report onto my credit because all three credit companies refuse to further investigate

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 2019-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2019 I came to the nearest Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to notarize some documents to establish an electric service in another city. I was told to bring my statement with my ID, and I ran home to print it out. When I was back I was taken by a personal banker, XXXX XXXX, who refused to notarize my statement about establishing an account with a utility company, because it was against Wells Fargo policy. I asked XXXX XXXX to provide me with a copy of Wells Fargo policy about notarizing documents, and she refused to. Then I asked to notarize any acceptable to Wells Fargo policy document, because I just needed to have any notarized document confirming my identity, and XXXX XXXX refused again. She also refused to provide me with a list of documents which Wells Fargo would notarize for me. I asked XXXX XXXX about her refusal to notarize any document for me, and she said that she did not feel like notarizing all for me anything at. I asked for another banker, and I was provided with another banker, XXXX XXXX, who came to XXXX XXXX to find out what was going on, and XXXX XXXX was talking very loud explaining to XXXX XXXX that she did not feel like notarizing for me any documents, and XXXX XXXX also refused to notarize any documents for me at all, and even providing for me with Wells Fargo notary policy and list of documents Wells Fargo would notarize. I explain to XXXX XXXX that both bankers harassed me, and she said that they only refused service to me, and it was not harassment at all. I am legally insane having XXXXl XXXX, and I get easily hurt by words and any kind of mistreatment. I should probably sue Wells Fargo for my medical bills, pain and suffering because XXXX XXXX and XXXX XXXX refused me with service without any reasons, just because they did not like me, and I was very polite doing nothing to embarrass them. I feel like they did not like my nationality and XXXX, that was why they discriminated and harassed me, so they both should get fired for misconduct, harassment, discrimination and intellectual XXXX. Because of XXXX XXXX and XXXX XXXX harassment I came home very sick and full of pain. I still feel pain, and I need to get hospitalized because my pain killers and antidepressants don't help me anymore.

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 2019-05-26 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: Credit Plus Inc
State: CA

Complaint narrative:
I filed a police report report number XXXX for the Unauthorized inquiry from Credit plus on my credit report on XX/XX/2019. 
This inquiry was not authorized and I do not know where it comes from. I already have a mortgage so this is invalid. Remove now or I will take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA is falsely reporting a collection on my credit report. Debt was from a XXXX account that was already disputed, settled, paid, resolved and removed from my credit report ( s ) by another collection agency. EOS CCA is in violation of FCRA for trying to report debt that was already settled and removed from my credit report ( s ). The debt they are trying to collect on is {$350.00} which appeared on my credit report ( s ) on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
It's bad enough for a collection to be placed on your credit that you do not owe. Even worse, the company has no recollection of my account. I have attempted numerous times to contact this company in regards to a collection that has been added to my credit. The client 's name that they " claim '' i owe money to is an apartment complex, called XXXX XXXX XXXX XXXX, that has conveniently been bought out by another company over two years ago and no longer has any records to indicate that I did not break my lease and departed from them legally. What makes it worse is that I had a roommate at the time who was violent and was ultimately my reason for leaving. The company was so helpful in making sure I had written letters, signed documents, and paid my portion of the rent and any remaining fees so that nothing would be tied to me. I see now that was a lie. And now this establishment is callled XXXX XXXX  with no documents in regards to me from its predecessor. How convenient. I left the complex in XX/XX/XXXX and I did not hear a word from anyone claiming I owed money until XX/XX/XXXX. First, I owed almost {$3700.00}. Now after disputing this amount for at least the third time, and most recently with XXXX, it was concluded that I apparently owe {$2700.00} when the original amount was {$2400.00}. Somehow, it changes on my credit score every  time i look into it. This is utterly ridiculous. Conveniently, now that the apartment complex no longer exists,, the new company can not find any information or files from when I lived there, which included me signing the proper paperwork to be removed from the lease as well as providing them with a notice and I needed to pay my portion of the rent for the last month i was there. Although, I do have a picture of the money order I have to the company which they accepted and I will attach that. Also, I have a copy of my 30-day notice stashed. I still have yet to talk to anyone in the company about my account because either I call this quality recovery " company '' no one can help me with my account because it can not be found, or I am threatened by them with the use of vulgar language. After several attempts, there was only ONE time I was ever given was an amount.. just told them my FIRST name, but didnt verify a thing and theyre asking for my card information. She wast even able to tell me why I hadnt received anything about the collection in the first place. Lies. Unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Back in XXXX of 2018, I needed to pull my credit report for an application for a new home lease. I pulled this through TransUnion. They charged me XXXX because I pulled My wife 's also. That was fine because I needed to get it done. I recently stopped using using my credit cards and have been really trying to improve my credit score. I noticed my credit card balance go up even though I didn't use it. After checking into it Trans Union has been charging me {$19.00} er month for the past year!. I XXXX  this and this is a scam that they are pulling on 1000 's of people! I called TransUnion and spoke to them and they tried telling me that this was a service that I signed up for. A service that would help me monitor my credit. Well in fact if this was true, I asked then why didn't I get emails from them about my credit changes in the past year? I get them for free from XXXX XXXX! 
I canceled this 'service '' and the {$19.00} monthly fee. 
All seems good now BUT within 3 days of me doing this they dropped my credit score 15 points! 
According to XXXX XXXX They dropped my score 15 points and there were 4 changes that TransUnion reported to my credit report : 1st change - Paid off a credit card that had a {$160.00} balance 2nd Change - Reduced a balance on a credit card by {$340.00} 3rd change - Reduced a balance on a credit card by {$130.00} 4th change - Reduced a balance on a credit card by {$9.00} I did not add any credit, inquiries or negative items. 
I paid down my credit balance by {$650.00} yet my credit score dropped by 15 points!!!! 
Clearly TransUnion is penalizing me because I canceled their scam payment of {$19.00} This company needs to investigated, forced to refund, change their policies, penalized and or be forced to shut down. 
They are praying on lower income and poor credit consumers who need to use their services.

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 2019-05-26 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: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
XXXX needs to provide what method they used to verify XXXX XXXX as this account was involved in fraud.I provided a valid police report which they haven't explained how they sent the police report to the furnisher. Did they convert the police report to a numeric code and send that to the bank to verify??? This violates the FCRA as it has to be 100 % accurate and 100 % verifiable.

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 2019-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have identity theft my house was broken into when I was just married they stole my SSC my old is and birth certificate. I filed a police report I am a victim of identity theft and discover is one of the accounts that is NOT mine and but taking off my credit report with an official police report and case number that is against the law. They are supposed to remove with in 30 days im contacted them many times with copys of police report and all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was enrolled in Citi 's card autopay system. For some reason, last month they did not deduct my payment and now they are trying to charge me for their mistake. Clearly an error dropped me from their system. Upon contacting them, they were very rude and threatening. Further, they are trying to extort me by refusing customer service until I pay their ransom.

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 2019-05-26 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Ive sent Midland Credit Management numerous letters requesting any proof bearing my signature and to date that only send an itemized bill, regarding an account which they states I owe {$430.00}. They are still sending letters and calling me regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019 my XXXX Item # : XXXX sold requiring immediate payment through Paypal. 

On XX/XX/2019 I contacted Paypal regarding a hold that was placed on the associated transaction ID : XXXX. I contacted Paypal customer service by calling XXXX. 

The customer service representative answering the call is located in the XXXX. The customer service representative requested for myself to commit fraud by asking the buyer of the item to report the item as received so that the funds hold on the transfer could be released immediately. 

I advised the customer service representative that she just requested for myself to do something illegal and she was completely dismissive and indicated that this was normal procedure. 

I have been a Paypal user for 15 years and this is the second time that this has occurred recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2019 I sent a dispute letter to Equifax disputing several inaccuracies on my credit report. After not receiving ANY response or update after approximately 37 days, I then sent a letter on XX/XX/2019 concerning the lack of response. Here we are a month later and I STILL have not received any response from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My complaint is against Synchrony Bank and the way the Credit Reporting Bureaus Report on my credit report after I paid a debt in full. I had a Synchrony Bankcard for XXXX XXXX. However due to a couple of job losses the creditor Charged Off on XX/XX/XXXX. I lost my job and a substantial income in XX/XX/XXXX - could not find a job until XX/XX/XXXX making way less but still had the intent to begin paying for that debt as soon as I was able. At the time I was struggling to pay a {$1000.00}. mortgage payment while existing off of {$1100.00} per month in unemployment benefits until I was able to secure employment. In XXXX a lien on my home was placed for the amount owed to Synchrony Bank for {$1200.00}. In order to pay off what I owed I had to take out a personal loan for the full amount. I paid the entire amount owed on this debt vs. settling on a lower amount. My problem is that I was told that Synchrony would remove this completely from my Credit Report - especially since I paid it in full. There was No Monies Charged Off or not collected owed on the original debt. I believe XXXX had removed the negative information ; however XXXX XXXX and XXXX continue to report negative information. Regardless that it says I dont owe anything its still being reported as In Collections/Charge Off and Payment Made After Charge Off which makes a potential creditor think Synchrony wrote off bad debt when they didnt. I paid the full amount which is why they need to remove this negative mark on my credit. Also if you look at my credit no matter how I pay on time each month my credit score remains low which gives creditors the right to charge higher interest rates. This is unfair and gouging - setting a consumer up for failure. Extending credit is the chance to pay off over time why must the consumer be gouged by higher interest when they need to continue to maintain a good score. Someone needs to re consider how a consumer whose paying on time the best they can. To say if you paid more each month goes against the agreed minimum amount. At this time Im doing everything I can to rebuild my credit from XXXX after job losses, and its almost futile the way Creditors and the Reporting Bureaus treat consumers who have limited incomes but still make their payments on time after suffering hardships.

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 2019-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I am currently receiving collection letters from Ad Astra ( collection agency ) on behalf of XXXX XXXX. Ad Astra is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. 

This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. 

My first attempt i contacted ad Astra to notify them that this collection is fraudulent. They did not want to hear my complaint. 
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: CA

Complaint narrative:
There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
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