vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I applied for a charge card with XXXX 's. I received a letter in the mail indicating that my credit rating level was insufficient to receive a lower interest rating, therefore, my application for a credit card was rejected. It originally showed a high credit rating, then went down to XXXX. The reasons for the rejection were : Available credit on open revolving accounts were too low ; Newest delinquency/derogatory status on accounts is too recent ; No usable real estate accounts ; number of inquires was also a factor, but effect was not significant ; and ratio of accounts consistently paid on time to all accounts is too low. 

I owe NO one, own my home, have only 1 credit card that I haven't used for months, and if I did, I paid off immediately. I did receive a notice on my one charge card that I was delinquent in paying the balance. I did notified that company that I did not charge anything on that card from the source they should, they removed it from that charge card and reimbursed me and said it was an error. So, you can see, I have never ever had any problems with credit rating and I want this changed. I also will not pursue any account at Meijer 's for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group
State: NJ

Complaint narrative:
In mid XXXX I received a letter from XXXX XXXX, a company I admit I owe money to, informing me the debt was transferred to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for XXXX XXXX and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This company has been calling me for the past XXXX months. I've tried to get them to stop but they continue to leave me messages. This is an office phone number and they do not seem to understand that I am not the person they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by XXXX for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use XXXX nor do I have one that I set up. After opening up a dispute chase sent a letter informing me the credits provided will be reversed after reviewing the claim because they are valid. I contact chase Bank on XX/XX/18 at around XXXX XXXX and spoke with the fraud department and a young women informed me that because they saw a charge before to XXXX and I did not disputed on my account for that XXXX payment, so this debit was valid. I informed the agent that I have never used XXXX and asked to speak to a manager, but she said one is not available. I am sending this email to have this reviewed, because this is a fraudulent transaction not authorized by me. I do not understand how three charges in that large amount were made to XXXX and I was not alerted by the fraud department. Please review and correct. I really rather not take my business to another bank, but will if not resolved correctly. There are a ton of complaints about the same issue and XXXX fraud online. Please contact me by email or by phone at XXXX. My name is XXXX XXXX. 

Thanks Charges below on XX/XX/18 to XXXX. 
{$1000.00} {$850.00} {$28.00} Claim number : XXXX Card ending : XXXX Account ending : XXXX XX/XX/18 : Spoke with an agent from XXXX XXXX TX with the name XXXX at XXXX XXXX. He stated that the information they provided was my address and name, which if my card is number is stolen they have that information because. Then he stated they sent an ip address which is in the XXXX and I stay in the XXXX. Which is no where near me. He stated that since it was close to me that I am responsible for the charge and then stated that there was more information and I asked him to send it to me and he hung up the call right away and did not contact me back. 

XX/XX/18 : Called back about XXXX and spoke with XXXX . Informed of situation about the guy hanging up and she did not apologize nor had a concern at all. She stated a manager will call me back and she will send the proof. She lacked any kind of empathy as if she cared or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/2018, I paid Citibank the full amount owed on my account and they submitted to the credit bureaus that I paid a settlement amount. That is completely false. I am extremely disappointed that that this inaccurate information was included in my file. 

Debt is owned by Citibank. 

Credit Card : Bloomingdale 's 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 2018-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to XXXX, XXXX XXXX XXXX in XXXX, CA ( XX/XX/2017 ) and they charged me {$2200.00} including a tooth brush. They gave me a loan for that amount to be paid monthly with no interest. I returned the tooth brush the next day and requested to be offset against loan which has never happened as of yet. 

Care Credit, the loaner, have been billing me for minimum amounts of {$55.00} to {$67.00} per month and I've been regularly paying them. Now they have put a {$610.00} interest on loan and claiming I have 12 months without interest. Original loan balance is {$1400.00} I was billed incorrectly by care credit, monthly bills should have been XXXX of loan amount. 
I was never made aware of 1 year promotion, neither by clinic nor by care credit. 
I was never notified of upcoming interest charges in advance and prior to the time being due. 

Care Credit claimed minimum billing policy is not in accordance to loan but to keep the account going, so they do it intentionally to bait customers to pay interest after 12 months without any kind of notifications.

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 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I contacted Wells Fargo after sending in my hardship and financial paperwork and there were a few items they requested on XX/XX/18, I returned those documents on XX/XX/18 and they confirmed they were received on XX/XX/18 but they scheduled a sale date on XX/XX/18 for XX/XX/18 and said they because they received the documents less than 37 days before the sale date they can not help me and I need to reinstate if I want to keep my home.

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 2018-07-31 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: MI

Complaint narrative:
there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX   XX/XX/XXXX {$0.00} Closed Paid

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 2018-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by PayPal for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use PayPal nor do I have one that I set up. I have mailed and email the executives for XXXX  and following up with PayPal now. 

This charge was fraudulent and not authorized by me. There are a ton of complaints about the same issue and paypal fraud online. 

Thanks Charges below on XX/XX/18 to paypal. 
{$1000.00} {$850.00} {$28.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I got a copy of my yearly credit report and noticed that I had 4 inquiries from Chase Card dates (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. someone was trying to get a credit card that was issued by XXXX but didn't have all of my personal information to complete the application. i contact Chase and the three credit report companies to inform them of these fraudulent inquiries and ask to have a freeze placed on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: MA

Complaint narrative:
Equifax confirmation number XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I had disputed the accounts above with Equifax and also included a police report, Equifax has not removed the accounts above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: CA

Complaint narrative:
Somebody has access to my credit report and I don't know who they are but they are trying to keep me from getting credit, I have been fighting this for years now and I am tired, my score keep changing, if thou someone is watching my credit on purpose to drop my score it has gone down in just XXXX days all three credit bureau, what can I do about this, if they have access to my computer, are my XXXX number what please someone help me I can not move forward of this I can not get a place to live, its not fair. Who is trying to hold me down, and for what?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Kentucky Collections
State: GA

Complaint narrative:
My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX On XX/XX/XXXX I started working for XXXX XXXX services In the state of XXXX . I had worked for them 5 years ago under the name XXXX security in the state of Kentucky. They reassigned me the employee ID number I had 5 years ago. My check had been garnished by XXXX XXXX, attorney at law in XXXX, Ky on behalf of XXXX XXXX Hospital, also in XXXX, Ky when I had worked for XXXX XXXX. The Garnishment started back up when I went to work for XXXX security services this past XX/XX/XXXX. 
on XX/XX/XXXX I contacted XXXX XXXX Hospital and was told that I had no active accounts there, so XX/XX/XXXX I contacted XXXX XXXX 's office and was told by a representative there that they had turned the account over to Central Kentucky Collections in XXXX, Ky. The representative for XXXX XXXX also said that they had not received any kind of payments from Central Kentucky Collections.on XX/XX/XXXX I contacted Central Kentucky Collections and spoke to a representative and he told me that, that account had been paid off since XX/XX/XXXX, but he would take notes and send then to XXXX XXXX, owner and manager or Central Kentucky Collections, on XX/XX/XXXX I called Central Kentucky Collections and spoke to XXXX XXXX and she told me she has been sending payments to XXXX XXXX 's Office for accrued interest and court costs.There was no more mention of the account being paid since XX/XX/XXXX. So I decided to file a complaint with you all because it seems like Im getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
The collection with Waypoint Resource Group was paid directly to XXXX XXXX on XX/XX/18. attached you will find a copy of my receipt. Since I paid the creditor directly, the collection company does not have a valid collection. I have asked them to remove the collection from my report and they have only updated the report to a {$0.00} balance. They can not simply just update a balance on an account that they are not collecting on anymore. They need to remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CO

Complaint narrative:
I have been disputing an account with AFNI who bought an old ( and paid ) debt from almost XXXX years ago. Not only is it on my credit report when it should not be, but they are also RE-AGING the debt to show a date from 2016, and responding to my dispute requests with lies to keep it on my report. I have not been able to get any information from AFNI on what date they show as first delinquency, but I have not used the phone service of the original creditor in nearly XXXX years and therefore the SoL is definitely passed regardless. I have submitted multiple dispute requests to XXXX   and each time they close out the dispute by saying the account meets FCRA requirements. It does NOT! And re-aging collection accounts is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
-Applied for and received credit for XXXX services from Care Credit -Paid minimum amount ( which is not enough to be interest free, ie they do not divide your payment into 18 for 18 months interest free ) -Charged 26.99 % deferred interest on full balance at end of 18 months. 
-Puts me over limit, however, when I called the company they said that that would be all the interest that would be charged on that amount. 
-WRONG! Charged interest EACH MONTH 26.99 % on the BALANCE ( including interest already added to my balance ) -NOT EXPRESSLY INFORMED of DOUBLE INTEREST CHARGES. 

-Is this legal? 
-Called company and asked them why and they said it is how they handle all their accounts. 

-I should not be charged interest on interest. 
-moving forward, cards like this should divide payments so the consumer knows how much to pay to meet the " interest-free '' requirements. 
-because they offer " multiple '' promotions, the " minimum payment '' should reflect ALL promotional interest free requirements.

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 2018-07-31 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have reported Identy Fraud to Wells Fargo Auto numerous time I have sent them a copy of the police report and they still have it on my credit

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 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
While reviewing my credit report, I noticed this debt collector reporting wrong information damaging my credit. I have never heard nor received any correspondence from this debt collector. Instead, they have been reporting this debt on my credit.

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 2018-07-31 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: MI

Complaint narrative:
there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXXT XX/XX/XXXX {$0.00} Closed Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: MI

Complaint narrative:
there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX    XX/XX/XXXX {$0.00} Closed Paid

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 2018-07-31 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: CO

Complaint narrative:
I have reported Identy Fraud to XXXX XXXX XXXX numerous time I have sent them a copy of the police report and they still have it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: CO

Complaint narrative:
I have reported Identy Fraud to XXXX XXXX XXXX numerous time I have sent them a copy of the police report and they still have it on my credit

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