vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
Receive robo calls from a firm identified as ERC. Have blocked their number XXXX with my provider XXXX, which worked for awhile but now are being repeated daily. XXXX advises ERC uses multiple numbers which defeats the blocking feature. They advised me to report this to you and that you would follow up on their violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: NY

Complaint narrative:
Since XX/XX/2017 I have been disputing some negative accounts on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stating that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified.

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Filed a timely billing dispute over the phone with bank representative XXXX, ID XXXX on XX/XX/2018, at which point, I was not instructed to send anything in writing. In fact, I was advised to load all relevant documents through the online account center. This is for a purchase with XXXX. The card is administered by XXXX XXXX. Purchase amount {$1100.00} on or about XX/XX/2018. 

This is the only charge on my account, the bank did not suspend the monthly minimum payments nor the amount I have in dispute. Per my conversation with the above individual, she said make monthly payments and we will refund you. This is not the rules of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have complained multiple times regarding medical debt that " XXXX '' continues to report inaccurately. This company nor the original debt holder can validate that I am the debtor for any medical collection. I personally visited the Hospital that the alleged debt resulted form to inquire about financial responsibilities under my name. The financial facesheet that was printed had a list of inaccurate information including incorrect first and last name incorrect birthday This information was taken from the MOUTH of an unknown individual using a name similar to my own children 's name. There is no identification for the children or the adults registering the children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had an account with XXXX in which has been paid in full.. They are reporting as Collection Chargeoff in which is untrue .... They are causing me financially hardship. I'm unable to get a mortgage or rent a home for me and my kids .... This has impacted my score

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 2018-08-30 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: GA

Complaint narrative:
I have been dealing with this issue with Equifax for quite some time. I had two accounts opened without my authorization and have sent in all documentation necessary to substantiate this. Yet, Equifax continues to " re-investigate '' these accounts over and over with no result. This has been a huge burden on myself and my family because it is preventing me from purchasing a home. I need these accounts to be deleted once and for all because they are not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Recieved multiple calls to effort to collect a debt. On all calls answered I have requested a breakdown of what I am being billed for as to include date of service and original biller. On XX/XX/2018 I recieved a call from XXXX XXXX who claimed I owed {$970.00}. She refused to provide me via mail with details about the break down of what I owed and yelled I don't have to give you nothing, I explained I had been the victim of identity theft and did not feel comfortable paying that amount over the phone and want the bill so I may see if I am finacial responsible before making the payment. She continued to yell and scream stating she would report me sending the items to collection. I hung up and called the company back, it was made clear that the debt she was trying to collect was part the statue of limitations and she had no right to seek payment for the amount she demanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I called the debt collector as I have done several times before in the past since XXXX. This account is not associated with me. This is on my credit report and making it impossible for me to do what I need credit wise because of this account is reporting incorrectly. This is not my account. I have made a ftc report and faxed into the company they disregarded the police report which is against the law.I have reached out to the bureau about this issue and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have the XXXX XXXX XXXXt card I have been paying. I noticed today that every month I've been being charged ridiculous fees for " Card Security '' for which I have not signed up or have been notified that I was being charged. I use automatic payments and have not realized I have been charged hundreds of dollars within the past year. Within the past 3 months, I've been charged {$50.00}. Other months charged me over {$40.00} for a single month. It is absolutely ridiculous.

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 2018-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have complained multiple times regarding medical debt that " XXXX '' continues to report inaccurately. This company nor the original debt holder can validate that I am the debtor for any medical collection. I personally visited the Hospital that the alleged debt resulted form to inquire about financial responsibilities under my name. The financial facesheet that was printed had a list of inaccurate information including incorrect first and last name incorrect birthday This information was taken from the MOUTH of an unknown individual using a name similar to my own children 's name. There is no identification for the children or the adults registering the children.

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 2018-08-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to request a correction of the following information that appears on my XXXX, XXXX, and TransUnion consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, XXXX, and TransUnion and filed disputes via email as well as certified mail with no help.

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 2018-08-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request a correction of the following information that appears on my Equifax, XXXX, and XXXX consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted Equifax, XXXX, and XXXX and filed disputes via email as well as certified mail with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to request a correction of the following information that appears on my XXXX, Experian, and XXXX XXXX report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX  to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, Experian, and XXXX and filed disputes via email as well as certified mail with no help.

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
I am filing a complaint against my credit card company continental finance on XX/XX/2018 at XXXX XXXX XXXX and spoke to ms XXXX I wanted apply for a credit line increase that I was told when I called XX/XX/2018 to pay my bill increases are every six months ms XXXX inform that it I should wait until the XX/XX/XXXX to apply for the increase I would have a better chance because the XX/XX/XXXX is my closing date I believe what she told me and I waited the next day I call after looking at my account and I seen was XXXX charges had hiot my account in 24 hours I immediatedly call and ask for a supervisor at the same time I called on the XX/XX/XXXX XXXX XXXX a mr XXXX inform me when he picked up the call that he was the vice president. I told mr XXXX what happened when I spoke to one of his rep ms XXXX on the XX/XX/XXXX after verifying my account mr XXXX then inform me what happened on my account he said the anniversary of opening the XXXX account fees had been applied to my account and that is why I am in the negative of XXXX and I am over my credit limit of XXXX dollars he said to me what the rep should done was to pull the agreement up and inform me of that when I spoke to her on the XX/XX/XXXX and he said because now that are over your credit limit if I apply for a credit line increase now I would be decline mr XXXX also inform me that he was going to have the call pulled to listen to phone call between ms XXXX and myself because of the advice ms XXXX gave ne to wait before applying for my increase now I can not. mr XXXX apologizes for the rep like I told mr XXXX that not solve the charges on my account the customer services rep should be accountable for the information that is giviven to the consumer I am filing a complaint also their are too high I am charged XXXX every month for use of their website i can not pay my bill on there website since i have opened the XXXX account the only thing i can do is look at my account i have call to pay my bill hey do however waived the XXXX fee that they charge for consumers to pay their bill which should be free why i am being charge this XXXX maitance fee every month and most credit cards i have i had let spread payments over a 12 month period this charge that has hit my account XXXX fees i have worked hard to maintain a good payment history on my account, for this to happen due to a customer rep working for this company giving advice to the customers i am a XXXX senior. PLEASE HELP

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 2018-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient and the XXXX XXXX XXXX is a rip off. They are misleading people with incorrect information and as a result I lost out on years of qualifying public service loan forgiveness payments and thousands of dollars. I started working for a public service government agency in XXXX. Since the beginning we have sent certified letters to nvaient/ XXXX XXXX proving I am still and employee. Since XXXX, I have paid towards the program. In between XXXX, I TOOK OUT XXXX PARENTS PLUS LOANS.. At the direction of navient/ XXXX customer service representative , told me I Had to consolidate to stay in the program and that I would lost out on any payments previously made. LIES, LIES, LIES. In XXXX of XXXX, the consolidation went through and I was told by at lease 6 representatives from the department of education and navient that I had to start the program over, that there was nothing they could do. Now, when I should be coming to an end of my 10 years, I have to start all over because I listened to them. I truly believe there are some fraudulent motives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried disputing with the bureau on several occasions since the account showed up on my report in 2017. I have spoke to representatives who where very rude and would not help me. They only offered to keep disputing the information. Sometimes the conversations would not even go that far. This is not my account as i have mentioned before. I filed a police report ( XXXX ) and submitted to the company. This account being on my credit report is causing me to not be able to obtain credit due to its negative status. I have tried and proved everything on my part and they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Full Circle Financial Services, LLC
State: CO

Complaint narrative:
I purchased a vacuum through XXXX on line. I chose the payment plan for it. I thought that I paid through credit card charges but was told that the one payment failed. I responded and thought it was corrected. It wasn't. Then the next month they attempted again and then they sent me to a collections agency. I wasn't given a chance to clear up the payments which I thought were fine. I was told it was a third notice, it wasn't. It was the second and I had responded to the first one via email. They voided the warranty on the vacuum which of course doesn't work anymore anyway. I received an email from the collections agency and I asked that they prove the debt. I don't know who these people are. I don't agree with the amount that they show as due, and I don't know that if I pay these people it will resolve this debt. I responded to the email and haven't received an answer. I have received numerous calls from them, about XXXX a day. So, I emailed them again telling them that until the prove out the debt it was illegal to keep up the non-stop calls. I asked that they prove the debt. I have seen nothing and they keep calling me while I'm at work. Please have them prove the debt and stop calling me until they do. I will pay this debt but I'm not giving some person on a phone money until I'm sure they are actually in charge of this debt. How do I know this isn't a scam? I pay them and then I get XXXX calling me looking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
In early XX/XX/XXXX I was desperate for money and had received calls from a Amplify funding As I already sold my home and was merely waiting to close the loan I asked to borrow XXXX $ I never was sent the loan documents but assumed how bad could it be, well 6 months after acquiring the loan I realized that they were taking XXXX $ out twice a month I decided to call and ask my balance .I was then informed that I still owed XXXX more payments of XXXX $ bi monthly. 
I then asked what could I go as to date I had already paid twice back what I borrowed I was then informed that if I refinanced the loan the payments I made would be eliminated and I would start off with the original XXXX $ I borrowed I asked how about the XXXX $ I already paid and the answer was silence. 
I know I borrowed the money but as I have already paid back double what I borrowed I believe I have paid enough It is gouging older people on limited incomes and I can not continue to have XXXX $ taken out my limited income every month I was stupid to not get this totally clear Your help would certainly be appreciated Thank You, XXXX XXXX Last four of SS is XXXX Date of Birth XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/2018, There was fraud on my account from XXXX and a XXXX ; sClub in the amount of totaling XXXX XXXX dollars. I did not make nor purchase from XXXX XXXX nor XXXX. I receive a letter from Capital One stating that they have completed their investigation on XX/XX/2018. I have called Capital one and they have stated that they have not completed their investigation, so I decided to file a compliant, because the company has a XXXX liability, but is not wanting to use it. So I decided to file a compliant. I spoke with a rep on XX/XX/2018 and stated to me that available amount of the fraud charges will be on my account on the XXXX of XXXX. But when I looked at my account I saw that their was no available accredit, nor did I see any credit for the fraud charges.

Company response to consumer: Closed with explanation