vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 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: LA

Complaint narrative:
I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Transunion and spoke to a XXXX REP about my concerns. He stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Transunion and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Transunion stop victimizing me.

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 2017-10-09 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: TX

Complaint narrative:
IN REGARDS TO : XXXX STUDENT LOAN AUTH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I HAVE SENT NUMEROUS OF LETTERS PERTAINNG TO THE VALIDATION OF THESES ACCOUNTS THROUGH CERTIFIED LETTER RECEIVED XX/XX/XXXX BY XXXX XXXX. THE ACCOUNT SHOULDNT BE REPORTING AS IT HAS BEEN TANSFERED AND SOLD TO ANOTHER LENDER THROUGH CONSOLIDATION. THEY ARE ALSO INACCURATELY REPORTING THE TERMS DURATION OF 144 MONTHS AS WELL AS THE DATE OF LAST PAYMENT XX/XX/XXXX AND THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX. NOW HOW IS THAT EVEN POSSIBLE? THEY HAVE NOT COMPLIED WITH THE FTC NOR FCDPA AS FAR AS IM CONCERNED AND I AM CERTAINTLY OUTRAGED BY THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
The company has responded to the complaint # XXXX. In a letter sent to the company XX/XX/2014, I notified the company that their claim was disputed. 
In the same letter, I requested that this company validate a debt for which they say I owed. I requested that the company provide me with competent evidence that I have any legal obligation to pay. I asked that they please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

To my request, the company responded with a debt collection letter from a company. In that same letter, it changed the dollar amount to a handwritten amount. 

The company did not validate the dept. It did not prove the Statute of Limitations has not expired on this account. It did not show me that they are licensed to collect in my state. It did not provide me with its license numbers and Registered Agent. It did not explain and show me how it calculated what I they say I owe. It did not provide me with competent evidence that I have any legal obligation to pay them. 

I do not know who this company is. 

This company has knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Company Name : Care Credit Problems : Interest, and supposedly missed payments..? 
People involved : Care Credit and Cardholder I have been paying on my care credit ( dental ) card since XXXX. I just got off the phone today XXXX XXXX XXXX, 2017 ) and I was speaking to a woman named XXXX about why my promotional balance was different than the current balance. I have never missed a payment for any of the promotional balances, and I never seen any other payments stated on my care credit account. So I asked her why that was, and she told me it was because of a charge of XXXX $ or so. She said there was also interest added from the time of the payment of XXXX $ every month sense. So I ask her, where is it stated at on my account? I tell her how I have been making payments since XXXX from a balance that started out at a little over XXXX $ and now its down to XXXX ( promotional balance ), so why would I still be getting charged for the monthly interest? Why is the XXXX $ not paid off yet if I have been making payments to the current balance. She tells me that unless I call and specifically ask for the payment to go towards the non-promotional balance that it will keep charging me, and it will not be paid off. But she says I have XXXX $ left of the XXXX $ charge? Which does n't make sense, given that my promotional balance is still being paid on. It does not state it on my account, I was being charged, they were saying my payments were late, but all it showed was just a difference in the charges that I just became aware of after I paid off the last promotional balance. So my last promotional balance shown says XXXX $ and the current balance is XXXX XXXX I just do n't understand how I can be charged interest for something that is not stated on my account or even presented next to the promotional balance, I was n't able to pay all of it at once which is why I had a promotional payment, but I have been, and am currently still making payments, so that XXXX $ should have already been paid off even so. Its not fair that I have to call to make a specific payment about a charge that is n't even stated on my account. If I am paying towards the CURRENT BALANCE than it should cover all charges that would be present, including the hidden non-promotional purchases.

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 2017-10-09 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX  over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.

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 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MT

Complaint narrative:
I received my degree as a non-traditional student because I thought it would help me find a better job. When I received my first repayment information, I still had not secured employment that would allow me to repay the loans. I put the loans in forebearance, I believe this was through XXXX. At some point the loans were transferred to FedLoan Servicing. I later found out that if I made 120 payments, adjusted based on income, and applied. My loans qualified and I started this program. Then, about six months ago, I was told by a customer service person that it would be better to consolidate the loans, so I did just that. I received a letter dated XXXX XXXX, 2017, showing that I had a payment due. It also showed that I had no PSLF qualifying payments. I called to find out why my payment was so high and why the letter stated I had no qualifying payments, even though I had three years of qualifying payments. I was told that I lost all previous qualifying payments because the loans were consolidated! I am trying to get qualified again, but I dont know where else to go because FedLoan Servicing has mishandled my student loans. It is not right that they would talk me into consolidating my loans without mentioning that I would lose the three years of qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: FL

Complaint narrative:
I notified XXXX XXXX concerning a medical bill which was Deleted by Transunion in XXXX/2017. In which they were unable to provide a Valid reason for collecting a medical bill with XXXX XXXX XXXX. I had No knowledge of as of today I have not received any response from this company with information concerning this Medical bill. Ive spoken with the Supervisor XXXX in special handling department this morning with Trans Union in which he was very rude to me about it I informed him that I have all my paper work and he said I will have to continue to contact the Collection Agency

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 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please see attached credit card statement that was paid in full XXXX. Amount due was XXXX and XXXX paid was XXXX. Today, I received another bill for interest for XXXX. When speaking to XXXX at Capital One, who refused to give me his last name, after quoting me rate and terms, he said the charges are for interest from XXXX XXXX. So basically, if they can continue to charge you interest on interest, basically, you can never then fully pay the account in full. 

I asked them if they were regulated under the CFPB and they also would not answer my question. They have refused to reverse the charge and now transferred me to XXXX XXXX. 

Is it legal to charge interest on interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
I spoke with XXXX who attempted to collect a debt owed, he said on a recorded line that I owed an amount plus interest and fees and he would be able to settle for less ... from my knowledge and written proof as well as verbal confirmation from a supervisor .. only XXXX amount is subject to collect, XXXX XXXX made it seem as if he was giving me a deal by asking for less .. which is false information tactics in order to collect a debt I would like the collection agency to stop and the original debt to be removed from my credit reporting agencys at once.

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 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: CA

Complaint narrative:
I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I  called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. 

From my understanding if a debt has been charged off it is not collectable by a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
OnXX/XX/XXXX I started a refinance application with Quicken Loans. All paperwork was done online and submitted online. I had a home loan and a home equity loan. The home loan was with XXXX XXXX XXXX and the equity loan was with XXXX. All i wanted to do was to combine the two loans back into one. So, that is refinance loan. I got a call from Quicken Loans, ( do n't remember the date ) telling me that in order to make the numbers work that they would have to include one of the credit card amounts in the loan. I said okay, but was not aware that this was going to make my loan a home equity loan and this was not explained to be by the Quicken Loans Representative. I really did n't realize that it was a home equity loan until a week ago. I applied for a home equity loan and the bank called me to tell me that i already had one home equity product and that in the state of Texas a person is only allowed to have one home equity product at a time. I was confused about that and so i went to look at the loan documents i had received from Quicken Loans and sure there it was. I never really looked at the documents that i received in the mail from Quicken Loans. If i was told at the time that this was going to be a home equity loan, then i could have research it and make a decision. So, I still thought it was a refinance. Part of my complaint is Quicken Loans did not disclose to me at the time that adding the credit card would make my loan a home equity loan and the other part of my complaint is the way in which the closing was done. 

Quicken Loans did not follow the law for the closing of home equity loans in the state of Texas. The law states that all closing of home equity loans are to be done in person and at a physical address and if is not, then the person would have to sign a power of attorney to have someone sign for them. If a power of attorney is assigned then all paperwork would be signed " person name by person name ". In my case none of that happen. I did not attended closing. I did not give permission or sign any power of attorney and all documents i received from XXXX XXXX, XXXX only have my name typed on the line and no initials, no notary seals on any paperwork. I did ask Quicken Loans several times where would be closing be done and they said at a office near me. Then i got a call that the closing was going to be done and I would not have to attend. All this was done in a matter of 24 days from start to finish. I applied on theXX/XX/XXXX and documents state closing wasXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
I filed a complaint about 2 weeks ago regarding this account after requesting debt validation in XXXX and still have n't recieved anything. This account is constantly flagging my account as collections DAILY and it is affecting my credit score negatively. I am not sure how that is even possible because i have NEVER done business with NOR have i ever been contacted by this company. Furthermore, this account is listed under medical and i am more than 100 % sure i have NEVER given a doctor 's office or medical facility any permission to share my Medical information. This is clearly a violation of not on my FRCA rights but also my Hippa rights. I demand XXXX to furnish me with a medical release form and a contract bearing my signature stating that i have done any business with them or i will be filing a complaint with my local government agencies.

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 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Requesting back up from Franklin Collection service Clearly they just purchased this debt from another collection agency that was recently removed from my credit reports due to not providing the information to verify this debt. 

As stated in the attached letter- I am requesting detailed back up for the {$230.00} debt that is being reported on my credit report If you can not provide back cease all collection attempts and report from my credit report AGAIN immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
IN REGARDS TO ; CAPITAL ONE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX. I FILED FOR A LATE PAYMENT VERIFICATION OVER THE PHONE AND THRU CERTIFIED MAIL AND BOTH TIMES CAME BACK AS VERIFIED ACCURATE. WHEN I HAVE MADE ON TIME PAYMENTS AND NEVER MISSED BUT CAPITAL ONE CONTINUES TO REPORT INACCURATELY I 'VE ASKED THEM SHOW ME PROOF OF AND VAILDATE THERE LATE PAYMENT CLAIM WHN I PAID ON TIME AND NO RECORD WHEN I HAVE ASKED TO SEE HAVE THEY SHOWN ME. IM SO UPSET THAT I KNOW NO OTHER REMEDY BUT TO FILE A COMPALINT ABOUT THIS SITUATION, APPARENTLY THEY HAD A SYSTEM GLITCH AROUND THAT TIME OR A HUMAN ERROR WAS MADE ON THERE PART AND THEY WILL NOT REMOVE THE LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wilber and Associates, P.C.
State: NY

Complaint narrative:
I rented a car in XXXX XXXX from XXXX. I had an accident at that time and was covered by XXXX 's car insurance. XXXX paid the claim and XXXX signed a release for all damage claims and related charges to this accident. The number XXXX and XXXX agreed to was {$9700.00}. 

In XXXX XXXX i receive a phone call from Wilber & Associates telling me that I owe around {$1500.00} for this accident. I tried to explain to them that this ca n't be because XXXX signed a release form. One agent at Wilber threatened to get my driver 's license suspended. In any event, they tried to finagle a deal with me if I paid at the very moment. I refused and tried to reach XXXX. 

I ca n't reach XXXX ' claim department to find out what this is all about. I consulted with a lawyer ( friend ) who read the release letter and it is very clear that I am completely released from all future claims. 

I 've sent Wilber & Associates a letter clearly explaining this and sent them a copy of the release letter. I also sent this to XXXX. 

I believe Wilber is targeting people like me to try to get us to pay them for invalid claims. I believe they are committing something close to illegal. 

Thanks

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 2017-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Submitted a timely dispute on or about XXXX/XXXX/XXXX for a purchase in the amount of {$180.00} for merchant XXXX. On or about this date, a provisional credit was applied to the account XXXX. PNC Bank sent a dispute questionnaire dated XXXX/XXXX/XXXX with reference number XXXX. The questionnaire was completed and faxed to XXXX on XXXX/XXXX/XXXX at XXXX XXXX and XXXX/XXXX/XXXX at XXXX XXXX. On, XXXX/XXXX/XXXX the same questionnaire was sent by PNC Bank claiming they never received my questionnaire. Obviously, the bank either lost my 2 separate fax documents or this is a way to easily close debit card disputes initiated by consumers at this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have been harassed by the company for the last time, I have asked them to validate all info and debt and after 90days that 's still not happened. Due to the statue of limitations I am no longer responsible ... .They called my job 12 times last week and its gotten to the point I am at my wits end ... .I need them removed from my credit report, and never to be contacted again ... PLEASE HELP ME. 
I have asked them to validate my info and they neglect to do so, backdated from XXXX/XXXX/XXXX I am so discouraged and feel like I can almost quit my job with the harrasement, its a threatening feeling to be frank. 
here are my accounts that follow : portfolio recovery ( XXXX ) XXXX Contact Address to portfolio XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Ownership Individual Account XXXX {$1700.00} XXXX {$470.00} XXXX {$440.00} XXXX {$460.00} XXXX {$910.00} not only do they have dates wrong on when I opened my accounts they are just out of control to be exact the account they say I opened in XXXX and XXXX it was XXXX they are even reporting wrong I have not opened up any new cards with them in the last few years

Company response to consumer: Closed with explanation