vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-20 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: PRESTIGE FINANCIAL SERVICES INC
State: KS

Complaint narrative:
My  XXXX  credit bureau was pulled by  Prestige Financial  on  X/XX/2014.  I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: KS

Complaint narrative:
My TransUnion credit bureau was pulled by  XXXX   XXXX  on  X/XX/2014   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Someone tried to break in to my apartment ... ... .told the management I did n't feel safe ... .. '' nothing we can do about it '' was their responds so I gave notice and moved ... ..never heard any more about it until I checked my credit 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 explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Georgia Departmen t of Revenue  had a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my   XXXX    or Equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
My   XXXX   credit bureau was pulled by  Santander Consumer USA  on  XX/XX/2015   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My Experian credit bureau was pulled by  XXXX   XXXX   XXXX  on      XX/XX/2015 .   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I do n't have a contract w ith Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it w as added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had  XXXX  store credit cards with Synchrony Ban k Walmart and Sam 's Club st ore cards. Then in late  XXXX  early  XXXX    XXXX   my  XXXX  cards were blocked because o f Fraud is what I was told. The fraud was that there were several accounts opened up in my name within a short amount of time all with Synchrony Bank. These accounts were fraudulent as I did n't authorize this. So instead of just closing those accounts they blocked the accounts that were mine Walmart and Sam 's Club and sent me a report to fill out wanting my tax documentation and I refused to do so because that was n't the  issue. So I had to close my  XXXX  cards along with the fraudulent accounts. I hav e since received four letters  from Synchrony which is attached stating that those  XXXX  accounts that were opened was fraudulent because I sent an FTC Affidavit and Police report. Now, my issue is why did n't they re-ope n the Walmart Store card and the Sam 's Club Store card which was blocked because of all this mess an d was my accounts.

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 2017-05-20 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Hello, I filed a complaint with the BBB about BMW Financial on XX/XX/XXXX, the why I filed a complaint because BMW was reporting a  late fee to the credit bureau and not the initial car payment then they retro-acted my credit report and reported XX/XX/XXXX and XX/XX/XXXX 30 days late when it was once reported paid as agreed. Of course the complaint when in to favor of BMW. But, I filed another complaint with BMW on XX/XX/XXXX, because the sent me a letter stating that I own late fees so I called BMW and their representative contacted the credit department and the credit dept stated all of the extra money goes toward the car-note, and not the late fees. I told that representative that I have never heard of such because you ca n't separate the late fees from the car-note because its one payment. Then the representative tole me if you do n't pay it, it will go towards your car-note, and for the month of XX/XX/XXXX your car note will increase by XXXX dollars, but if it remains as a late fee we want report it to the credit bureau. The document of the outstanding late was a cover-up because they reported the late-fees to the credit bureau therefore they had to put something in black and white. So I contacted XXXX from the BBB locate in Ohio who investigated the first case he also agree, and I sent him documentations also and he ca n't find any late fees ... .BMW did this because of retaliation, and now they are harassing met, and reporting false information to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which Portfolio Recovery claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I hav  e ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your com  pany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCP A 807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
American Express cardholder for many years. I have a {$3000.00} limit and used this card as 1 of many. In the process of new job and moving I incurred a couple late fees of a few days which I paid. I then find out they jacked my interest rate to 29.9 % and my monthly payment was getting me nowhere. At any time in my life I never not paid my credit card bills. I tried to resolve this with them and they were pretty obstinate, so I have cancelled my account, but felt I needed to complain about the unfair gouging they have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which   XXXX   XXXX   claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have   ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your c  ompany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA  807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2017-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
I sent two letters via certified mail,  one  to  XXXX  and  one  to " Debt Recovery Solutions ''  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX , regarding the same debt ( {$170.00} ) asking both to verify the debt.  XXXX  did not respond. Howev er, Debt Recovery Solutions sent a copy of an old bill as " verification '' of the debt. This debt was previously discharged in bankruptcy. This negative mark has been on my credit reports for months causing harm to me. I have asked " Debt Recovery Solutions '' to remove this from my reports to no avail. I am prepared to file suit against this company, but would am attempting by other means to try to resolve it first. The bottom line is that the debt is not owed. Debt Recover Solutions is reporting false and inaccur ate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was victimized by Washington  Mutual  when I got me 6 % fixed f or 10 yr s in  XXXX . We all know about the crash. Now they went out of business a nd for 3 y rs I have been trying to g et Chase to  re fi. Now I have been working with a loan agent and this is what they offer. appraisal is  XXXX . Cash in to close is  XXXX . Loan amount would be  XXXX . This adds up to  XXXX . Really is this not a rip off. They want me to sign to a loan that amounts to  XXXX . Also their apprai sers are always low. So I will just sell when I can, never never deal with Chase, and go on with my business. Nice way to treat a vet. So I know you can not change them but I wanted to show you what they offered. Clearly they are taking advantage of me again. At my age, this loan would be totally crazy to take. Again, just another rip off by Chase. No wonder people hate to deal with them. They simply are about taking advantage of people to make MORE money for the father company. So this is my swansong to Chase. I  would not open an account with them if they gave me  XXXX  to do so. If they were the only bank to buy a home with, I would simply rent. Man, I can not believe they get away with this stuff.  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I pulled a copy of my   credit profile through  XXXX  and saw that a collection account regarding account #  XXXX  and   XXXX   which ARS Account Resolution claim I owe {$1300.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) fr  om your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [  15 USC 1962e  ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2017-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In XXXX 2016 I received a bill from Toyota Financial Services ( TFS ) for the amount of {$450.00} for excessive miles and dispositions fee ; I called TFS and explains to them i m entered in to a new contract with them on XX/XX/2016 with a new XXXX XXXX XXXX, Also a call the dealer and they give me two  confirmations numbers for the payment that they made to TFS confirmations # XXXX Costumer last name XXXX, costumer vin ( last seven digit ) XXXX. Also another confirmation number # XXXX Costumer last name XXXX Vin # ( last seven digit ) XXXX I call several times to TFS i got call records date and name with the person i spoke to but they never do nothing now the send me to the collection agency and affecting my credit a lot of inconvenience to me receiving call and letter like i was delinquency. i got my proof of payment i made the calls that a have to do and now i m affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: Alliance One, Inc.
State: CA

Complaint narrative:
I believe the company failed to properly notify me of the terms and conditions of the debt such as the amount owed and payment due dates. The company stated because they have not received a payment in over over 30 days that they forwarded the account to the state of California tax franchise board for collection. I have not received any communication from AllianceOne prior to    XX/XX/XXXX  .  The terms of the payment agreement was NEVER outlined nor was there a payment agreement. Therefore, to send my account to another company is unjust and unfair legal practices. Secondly, the company charges a {$10.00} fee to make payments by credit card online and {$0.00} to mail a payment. I believe to charge such a ridiculous amount is also unfair to an consumer who is trying to settle their debt and are forced to pay {$10.00} as a " convenience fee '' when payment by mail are easily lost. AllianceOne is a terrible company that needs better business practices. There was never a payment schedule identified so it is unfair to suddenly send a threatening to suspend my driver 's license and forward it to the Calfornia Franchise Tax Board. AllianceOne mailed a lette r dated  XX/XX/XXXX  and on   XX/XX/XXXX   t  hey forwarded the account to another collection agency without giving me an opportunity to respond the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On  X/XX/2017     Wells   Fargo took  all money from one account to cover the negative balance in another account. I called to dispute the claim. The customer service transferred me 4 times. I did not receive the funds back. I have not signed any documentation stating they can take money from  one  account to cover the next. They took almost {$700.00} from my account.

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 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover Card has called me numerous times a day. I have told them I am at work and they ca n't just keep calling me so many times a day EVERY day! The most frustrating days I feel like it 's harassment is when they call an hour apart. They do n't leave a voicemail when they call, so they call you to pretty much accomplish nothing but annoy and bug you. People are busy and ca n't answer every harassing call, leave a ( This is all MST ) XX/XX/2017  calls at XXXX and XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX XX/XX/2017 calls at XXXX, XXXX and XXXX XX/XX/2017  calls at XXXX, XXXX, XXXX, and XXXX ( This day I got upset with a representative and asked that they not call me so many times, it 's harassment. It 's probably why the calls stopped for a few days. ) XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX XX/XX/2017 call at XXXX XX/XX/2017 call at XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX, and XXXX  XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Funding,  who has bought the credit card from   XXXX   XXXX  . I have already complained about this. They response was that yes I had debt protection insurance and that the claim was notated by the company, but now  Midland Funding  is garnishing my wages. I will pursue them legally and counter sue if this is not remedied. They are sneaky and disgusting, They already stole  XXXX  from us when they attacked us for a debt my husband did not owe. Obviously they are doing work for the  XXXX .   If you refer to my former complaint about the   XXXX   XXXX   account that is what this has evolved into.I have been  XXXX  since   XXXX   due to the negligence of a physician and hospital, which is why I used the debt protection. What good is paying the debt protection monthly and then not be able to use it when the situation happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
After reviewing my credit report ongoing .. There 's a collection Agency. . National Credit  Systems.. A Balance of {$5000.00} ... Opening date    XXXX   XXXX    , 2016.. Th at 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And  all have done so except   XXXX   ... I have not lived at this address or apartment complex ...   This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
I have four medical collections listed on my XXXX report from XXXX XXXX. I have written them numerous of times arguing that they are in violation for putting medical information on my credit report AND for the simple fact that these accounts do not belong to me, but are my husband 's medical bills. They have refused to respond to me and/or send me documents where I authorized them to release medical information to collect a debt, or validating the accounts to show how or why I am connected to these accounts. They have violated the HIPAA privacy ACT by doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Every month the interest gets higher and higher. It 's very hard to fix it, soon i will not be able to afford paying for this loan. This company is currently making students like me in a higher debt than we should be in, because i got an education.

Company response to consumer: Closed with explanation