vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This complaint is two-fold. The company, DIVERSIFIED CONSULTANTS has a collection account that is reported with XXXX, XXXX, and XXXX  with the amount of {$3100.00}. The company, DIVERSIFIED CONSULTANTS with the account number XXXX has " re-aged '' the debt to make it appear I opened an account with them in XX/XX/2018. The company is reporting my account as if it was opened with them on XX/XX/2018. The account is an old XXXX account. They are reporting incorrect information that is affecting my credit. In addition, I have not received any written correspondence from them in order to resolve the issue since XXXX. They have called me several times at my place of employment. I have notified them to not call me during work hours, as I am a XXXX XXXX XXXX who is legally obligated to provide XXXX XXXX services to the XXXX  I service. Each time they called, I informed them that I am at work. They have not sent any written correspondence at all to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Inquiry from XX/XX/2018 - Auto Financing Capital One Inquiry from XX/XX/2018 i never had inquiry from capital one for auto I am using capital one for while but not auto never

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I purchase the XXXX XXXX  XXXX-2016. I have encountered several errors with the retainers that I received. I would like a reimbursement of funds due to the excessive amount of errors pertaining to sending the correct retainers. I am open for any reasonable reimbursement offers. I have included a letter from my dentist and the cost of the XXXX XXXX  and treatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My father passed away in XXXX. He has a POD account with PNCbank. PNC refuses to admit the account is pod even though it is marked pod on his account statement and will not talk with us without an executor of the estate. With pod you dont need an executor of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Ever since I have disputed the collection amount, my Credit Tradeline has multiple inquiries for the same collection account for the same amounts from the Collection Agency that I am disputing. The company is maliciously scarring my credit with these continuous multiple Tradeline reports. 

The collection agency is : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA The dates on my credit tradeline showing NEW COLLECTIONS are : XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) My score has dropped over 25 points with these multiple hits on my credit report and they should only show one time, not multiple times in a week or month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To begin with, this complaint is two-fold. Back in XXXX, I was late on a payment according to XXXX XXXX XXXX. In XXXX, I sent a payment from my XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX and in XXXX. I constantly checked the account to see if it was debited. The amount was never debited from the account ending in XXXX. I did not find out from XXXX XXXX that the payment did not go through until a month after. XXXX XXXX informed me that the account was reported as closed. I contacted my bank. I was informed that the account was still open. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number ending in XXXX was closed in XX/XX/XXXX due to a compromise. I have attached the XXXX Letter and XXXX XXXX File. The file has the transactions for the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to show that the account was still open I have also made arrangements to resolve the issue by using another account, XXXXXXXX XXXX. The account was XXXX, by XXXXXXXX XXXX. I have sent in those payments for XXXX and XXXX. Again, there was no notice from XXXX XXXX/XXXX that the payments were being rejected. I contacted them again to see what was the problem. I was told that the account was closed. I have contacted XXXX. XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number XXXX is in good standing. 
XXXX XXXX had provided incorrect information to the credit report. They have reported me late to the credit bureaus for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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: IN

Complaint narrative:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

Transunion Inquiries are -- -- - XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries are -- -- - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-07-17 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: IN

Complaint narrative:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX  Inquiries are -- -- - XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Inquiries are -- -- - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-07-17 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: IN

Complaint narrative:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

Transunion inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 2018-07-17 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: IN

Complaint narrative:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: IN

Complaint narrative:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
We have attempted repeatedly to verify this debt and have requested documentation on multiple occasions, but have never received a response. I reached out about my husbands account on XX/XX/2018 at approximately XXXX CT. I spoke to 3 different people to try and reach a settlement. One of the representatives informed me that they have supposedly received return mail on multiple occasions. We have verified our address multiple times and know they have the correct address. We receive mail, without issue, at the address. The lady I last spoke to on XX/XX/2018 told me that she would send a settlement agreement letter to me via email that day to review. I never received the email. I called again on my lunch break at approximately XXXX CT on XX/XX/2018 to check the status of the email. I was again told it would be emailed shortly. By XXXX CT on XX/XX/2018, I had still not received the promised email so I called a third time. The representative told me this time that emails were not allowed to my state, but if her supervisor sent me an email and I replied confirming it was okay to send information, they would then send me the documentation of the settlement. She promised the email would be sent immediately after the call. I have yet to receive an email. I really feel this company is refusing to provide any documentation of the debt or agreed settlement and we refuse to pay until they provide something in writing. Through multiple attempts over at least the last year they have not verified the debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Deutsche Bank
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX was deducting our personal XXXX checking account monthly fees that were not authorized. I never authorized this and they provided me no proof they had authorization for deductions even after multiple requests for a contract that they had claimed they had. I found they had deducted {$4900.00}. When I contacted the company they had no explaination and provided no contratual agreement to take money from account. They said they would only refund {$1500.00} of the money that was taken. They had no reasoning. I would like a full refund of the funds taken from my account without my permission. Please help in assisting me get my money back. I don't know who else to contact for help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Despite numerous attempts to provid the proof of all insurance which is through XXXX the company is claiming that we have not provided he information. They are trying to make us pay for insurance coverage that they provide even though there has not been any gaps in our coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: IN

Complaint narrative:
On XX/XX/2017 Transunion finally deleted a medical account that was wrongly reporting. They were the last of the three to delete the account. Recently the account was added back on to the report bringing my score down. I sent them a 5-day rescission letter asking them to remove the account and they did not. It is still on my report, and I would like for them to remove the account permanently. I am attaching the deletion letter I was sent from Transunion on XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
Firm : Gamache & Myers, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), Mo. XXXX XXXX Complaint : I made a payment arrangement with them via their representative XXXX, around XX/XX/XXXX to pay {$75.00} per month toward my debt. XXXX said that I paid {$150.00} in a previous arrangement in XXXX and wanted me to pay more this time. I told her that {$75.00} was all I could pay this time. She said that theyll take the $ XXXX/month for three months and then renegotiate. I told her that in three months Id still only be able to pay the {$75.00} so why not just leave it as is. She said theyd contact me again in three months.

They took the payments for three months, via automatic debit and then stopped taking them. They sent me a letter saying it was time to renegotiate my monthly payment amount. Id already called XXXX several times to ask her why they stopped taking out the {$75.00} payments. She never answered or return my calls. That was around XX/XX/XXXX. Theyve filed a Garnishment Order on  XX/XX/XXXX and XX/XX/XXXX against the bank account that they took those three {$75.00} payments from. My bank didnt give them anything from the account even though money was there. The initial Garnishment they issued on this account was on XX/XX/XXXX and the bank sent them the {$1200.00} that was in the account. 

Now, theyve issued a XX/XX/XXXX Garnishment Order on the other bank account I have, which didnt have any funds in it at the time.

I believe its their greed that has caused them to miss receiving {$1500.00} if they would have continued taking the $ XXXX/month.  Since they stopped taking the money I made arrangements with another debtor using that original bank account and paid that debt off. Now, I dont know if their representative XXXX took it personal and made decisions on her own, but the Garnishment Order is from the Law Firm so even if she made her own decision they support it. I say this has to be greed because I dont think Ive heard of any Debt Collector that refuses to take money towards the debt when its offered. Also, since the court allows them to charge interest the balance grows like a credit card balance and then you add all the extra service fees, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
Me and my wife was treated in the charity program at the XXXX XXXX XXXX XXXX XXXX inside XXXX  Hospital since XX/XX/XXXX until XXXX XXXX, then came this collection from laboratory and different charges.I knew we never charged until we transfer to XXXX XXXX hospital.The charges came from the same hospital x rays and the lab were do not belong to the hospital and I do not know why they charge us because we have a letter that by XXXX   XXXX XXXX that our balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To begin with, Portfolio Recovery acquired two accounts, one from an old XXXX XXXX account, and one from XXXX XXXX. Portfolio recovery did not provide any written correspondence as it relates to the debt. They have contacted me during work hours at my place of employment. I have informed them to contact me after my work hours. I still receive calls during work.

Company response to consumer: Closed with non-monetary relief