vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
1 ) I bought furniture from XXXX  through a XXXX XXXX credit card 2 ) I made the regularly scheduled payment until there was a charge that was not mine on the bill 3 ) The full amount was refunded while they researched the issue 4 ) they corrected the issue, however, the grace period of interest free was lost 5 ) The bill continued to be inaccurate 6 ) I payed off the amount of my furniture but now XXXX  is trying to collect over 5K in interest fees and finance charges. This can not be legal and in violation of consumer rights. 
7 ) I have received a letter from XXXX stating they agree with me that these charges are not accurate and do not hold me responsible for them. 

I ask that XXXX XXXX take the XXXX I have paid ( over the amount of the furniture ) and end this case. I will continue to fight for my rights as a consumer and will not let this go until this is observed. 

As a result my credit is affected which I have taken the care to build over the years. You will see from my credit history I have no other records of any issues in paying off my bills. So clearly this is an incident where I am a victim of illegal activity and fraud and I will not just hand over my hard earned money. I really hope that CFPB can continue to help me in this matter. 

Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I have contacted this company several times asking them to validate this debt they claim that I owe them. They have been unsuccessful at doing so all they keep sending me is old billing statements from a XXXX phone bill. I have done further research and found out that this company is not licensed to collect in the state of Tennessee, which is where I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX hired by XXXX company named XXXX XXXX XXXX has foreclosure pending as we speak to foreclose today XX/XX/2018 Homeowners are elderly people XXXX company/XXXX XXXX going bankrupt so they foreclose on homeowners to gain their property These companies are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: UT

Complaint narrative:
I have a business account with Keybank for about half year. At the beginning of XX/XX/XXXX, my online banking is locked. I could no longer log in to see my account. I immediately contacted with the XXXX XXXX XXXX and Keybank online customer system. Keybank online said they could not help me at all. I need to talk to the local branch. And the people at XXXX XXXX don't help me at all. I gave all documents to them. And they still don't know why my account is locked and told me to wait and wait. And I have been waiting for over a month. I still can not access my account. And the Branch can not even print out the statement for me. I am so anxious and worried because I have no idea what could have to my account. I don't know if money comes in or who takes out my money. People at XXXX XXXX don't want help me and I don't know what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2018 I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and 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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: FL

Complaint narrative:
On XX/XX/2018and XX/XX/2018, I began searching for mortgage lenders. At this point based on the info they gave me, I realized that my credit score had dropped by a huge amount since I last checked in XX/XX/2018. I pulled my credit report to determine what had happened and noticed a collections debt on there.

I was never informed of this collections debt at any point from either the medical company or the collections agency. I have already contacted the collections agency and paid the debt in full in return for it's removal from my credit report. However, I was not able to obtain written verification that this would happen. At this point I don't care that they didn't notify me about the debt or collections, I just want to make sure that it is deleted from my credit report in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
Every year when I send in my employee certification for the PSLF I receive an incorrect letter on the number of qualifying payments made/remaining. Every year. This year, they only counted the number of payments as qualifying from the last period for which I submitted a certification, discounting all the other years I have sent in correct documents ( which I also had to contest ). I have made a total of 51 payments toward my required 120 and they are saying now that I've only made 24. Last year they said I had made 39 - this number is also incorrect, the last two payments on XX/XX/2016 and XX/XX/2016 were not in forbearance. And they said that all the payments from the last year count as qualifying payments. Who is doing the math? I tried calling today three times during business hours and the message says that the office is closed and to call back during business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 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: Coinbase, Inc.
State: CT

Complaint narrative:
On XX/XX/2018 I was charged {$230.00} from my personal checking account. This charge was not authorized and is a duplicate of a legitimate charge of {$230.00} on XX/XX/2018. I contacted Coinbase to request my money be refunded wherein they said it would take up to 10 days to be refunded by my bank. No refund appeared in my account and the erroneous charge was not wiped out. I contacted my bank who said this is an issue between me and the merchant. Over a month later and the {$230.00} is still missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
I am contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/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 2018-03-21 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: NY

Complaint narrative:
I am contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX  son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Colony Brands, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and found and account listed as " charged off '' from XXXX XXXX for {$200.00}. When I contacted the credit bureaus, I was told that it was associated with my ex husband 's social security number and name, of which I left XX/XX/XXXX and was officially divorced from XX/XX/XXXX. However it has been placed on my credit. I sent a debt validation request to XXXX XXXX and let them know, that this was not my account. That in fact my ex husband ordered out of the catalog and the debt did not belong to me. I did not hear back from XXXX XXXX. I reached out to the company, and the only answer they could give me was to file a dispute with the credit bureaus. That is not professional at all. If an error was made and the company was contacted, it should be cleared up. They are reporting erroneously on my credit report. Not only that, they are in violation of my FDCPA rights as a consumer. I have the right to request validation, and the contract that is between myself and this consumer for this debt. Which they clearly do not have! There is absolutely no contract between myself and this company, so how can they place and report a fraud account on my report. This account was opened XX/XX/XXXX. I don't even live in XXXX  anymore. Why wasn't I notified? I am horrified that this company would allow someone to simply order a catalog in someone else 's name, someone incorporate their social and ruin their credit without even a proper signature nor mutual bonding agreement with signature. No telling who else has gone through this and with no help from the company. No proper validation, no rights to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc.
State: TN

Complaint narrative:
Credit Clearing House of America, Inc.is in violation of the Fair Debt collection Practices Act ( FDCPA ), in which have not validated derogatory information on my consumer credit report they added XX/XX/XXXX and reports monthly. 
This account does not belong to me and I have never signed a contract with this company. And they have never mailed documentation in reference to a debt, or contracts containing my signature or information. 
They are stating I owe them a balance of {$190.00}. 
A request for VALIDATION was mailed XX/XX/XXXX, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the IRS said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
As owners of the property, XXXX XXXX and I approached Rushmore Loan Management Services several times to make an offer to settle the mortgage. XXXX . XXXX is the sole mortgage holder, but she has signed several powers of attorney giving me authority to speak on her behalf with XXXX, and she has told XXXX staff person XXXX XXXX to speak with me. I have spoken regularly with him, but he has been unwilling to help. 

First, he said repeatedly that he would set up an appraisal that I would pay for ( which I agreed to ), but he has never followed through. Second, XXXX . XXXX has qualified for a modification, but once he started dealing with me, he cancelled that modification. Third, every time a court date approaches, he calls to say he wants to resolve the matter and makes promises that he doesn't keep. Then at court the lawyer for XXXX tells the court that they are working with us, which isn't true. Fourth, I have arranged for potential buyers, including XXXX XXXX, a real estate investor. Although XXXX XXXX began a conversation with XXXX XXXX, when he learned that I was involved with obtaining this buyer, XXXX XXXX changed his mind, even after XXXX XXXX submitted all kinds of information, everything XXXX XXXX asked for. Fifth, I made an offer myself and, at XXXX XXXX 's request, submitted proof of funds. Yet he has refused to negotiate and make counter offers. Sixth, he continues to go back to XXXX . XXXX  even though she has told him repeatedly that she does not want to keep the unit and wants him to speak with me. 

We have wanted again and again to settle this matter. The judge keeps telling both sides that he wants us to resolve this before the next court date in XXXX. I am obtaining the transcript from the last two hearings where the judge has told us to get this settled and will forward it to the CFPB when I have it. Yet, XXXX has brushed me off again and again. XXXX XXXX has tried to side step working with me. He has made this personal and has been very disrespectful to me over the phone. His attitude has been very 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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have contacted Capital One several times about missing information and inaccurate credit reporting. I have 3 credit cards - Quicksilver XXXX, Venture XXXX, Spark business. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. Capital one is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX XXXX XXXX and XXXX   immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I purchased a high school ring for my daughter from XXXX company in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. 

I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and Merchants could not do anything because XXXX has been their client for many years. 

I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to Merchants Collections? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/ XXXX XXXX XXXX bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XX/XX/XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but XXXX has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was in the process of getting a loan, when the bank told me that my credit report showed that I was late on my mortgage payment. My home was foreclosed on in XX/XX/XXXX and paid off at the sale and with the FHA loan. It is reported as a closed account on my Equifax credit report with a {$0.00} balance owed however they have not entered the date it was closed. ( XX/XX/15 ) which does show on my XX/XX/XXXX credit report. 

I have asked the bank ( XXXX DBA XXXX XXXX now ) and the attorney that handled the foreclosure to report the date to Equifax, both have told me it is the others responsablity to report the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and 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 2018-03-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.

Company response to consumer: Closed with explanation