vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I wrote a letter disputing this debt information on XX/XX/2019 after having receive threatening aggressive collection call for the first time on Saturday, XXXX XXXX about the debt. Second, I receive a letter from same company dated XXXX XXXX that was dated XXXX XXXX. I requested the company for valid proof. The company mails me bills and does not provide proof of a signed agreement or other verification that this bill was open by me. Which this bill is incomplete, incorrect and I do not owe this company I never established service with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Calling me frequently in the middle of the night most recently at XXXX XXXX XX/XX/XXXX. Waking up my baby. I told them to stop calling at those times and they still repeatedly did so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}

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 2019-10-28 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: TX

Complaint narrative:
The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
I took over my son 's loan for home improvement with Greensky two years ago. I have been making the payments and my son gave them permission to speak to me regarding the loan. On XX/XX/2019, I called today to change my payment source and they refused to let me, because, although the automatic system recognized my phone number, and Social Security number, and I was able to tell the person my son 's name and his previous address, I do not know his current address. I asked for a manager and spoke to XXXX and he told me the same thing, although I knew everything but my son 's new address, and no matter that the automatic system recognized me, I could not make changes to the payment source. I told them fine, since they have put me through loops for two years and are now refusing my information to continue to receive payments, they would no longer receive any payments from me. Realize that I am not asking them for anything, I am trying to PAY them, and they still will not cooperate. The stupidest people I have ever encountered in my life. Please go on XXXX and see how many more people have complaints like mine. I would like to know how this loan company is allowed to continue in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc
State: VA

Complaint narrative:
Executive credit management continues to collect a debt not verified nor owned by me. Made several attempts to have debt removed and verified. Company continues to not respond according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: FL

Complaint narrative:
I purchased a XXXX XXXX puppy at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, financed with Comenity Capital Bank for {$3500.00}. I returned the dog within the 48 hour period since my apartment will not allow. I offered XXXX 50 % of the financed amount ( {$1700.00} ) to close the account, and they refused. They reported if i paid cash, they would give 1/2 of the money back, but since it's financed to deal with them. I sent a letter to Comenity, explaining that my balance should be XXXX since the product was returned in a few hours, but they refused and want full balance owed {$3500.00}. This seems criminal that I have to pay for something I don't have with a 29.99 % apr attached. XXXX will resell the dog for {$3500.00} twice for a total {$7000.00}. Since everything was returned within the period, I want my balance to be {$0.00}, not {$3500.00}. I have all the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR/MR COOPER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
I have a retirement account with Charles Schwab. I have been trying since XX/XX/2019 to activate my account after a move from XXXX to XXXX. I have continuously sent in documentation about my current address. I kept being told that it was approved and currently processing ( I have emails, dates, names and locations of service reps stating this ). As of XX/XX/2019, I called again and spoke with an individual from XXXX. This individual finally sent in an urgent request to active my account so that I may take a withdrawal for a home purchase I have been planning. I still do not have an active account however they continue to take fees from my account without processing my order since XX/XX/XXXX as well as possibly being unable to close on the home.

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 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: SC

Complaint narrative:
I have previously sent FirstPoint Collection Resources , Inc several requests to validate my alleged debt. Each time they have failed. 
I was contacted by XXXX XXXX and XXXX XXXX. They each have failed to Validate the alleged debt of {$780.00}. 
FirstPoint Collection Resources , Inc. are debt collectors and has failed to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. FirstPoint Collection Resources , Inc. did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm.

FirstPoint Collection Resources , Inc. does NOT own the account and therefore, we have no contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
" XXXX XXXX '' fake name from Genesis in XXXX NY calling me 3 times within 10 minutes from different numbers and calling very estranged family members who I haven't spoken to in years harassing them after already sending a cease and desist letter. Don't know who he is but very threatening and acting aggressive. Have already contacted attorney who has dealt with this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/2019 I received an advertising promotional email from XXXX XXXX listing the 10 best 0 % introductory credit cards for balance transfers. I'm in the market to do that so I clicked through and read the different choices available. Citi Card Double Cash card came up that said " Click " apply now '' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases ''. I wanted to know the balance transfer fee amount so I could compare to other cards so I clicked the Apply Now button. It then lead to the Citicards website where it asked for income, social, address and phone. All the while, i'm still thinking i'm just seeing how much my balance transfer fee will be. The next screen then said " Congratulations you're approved! ". I was not ready to apply and did not want that card. I called right away and was transferred to 3 different people. The final lady which told me it can not be cancelled and that even though the link said that I should have known that apply now meant apply now. I told her that the advertising said differently and have a screenshot of the website. She was very rude saying she couldn't see it or do anything about it. I would have to wait until I got the card, then cancel it. Which I don't want to do because now my credit will show I opened and closed a card right away. I also asked if they were going to reach out to XXXX XXXX regarding that verbiage and she said no. Since XXXX XXXX represents their product and i'm sure someone in legal approved that verbiage before allowing it to be on the XXXX XXXX website I would think they would want to fix it so other consumers are not confused. This was very deceptive and it is unfair that I am now stuck with a credit card I didn't want. This is a UDAAP and I told the lady that at Citi and she said, well file a complaint then. So here I am.

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 2019-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I took out a private student loan with XXXX XXXX XXXX in XXXX of XXXX. As an XXXX-year-old unemployed XXXX  XXXX, they approved me for a private student loan of {$16000.00} with no collateral or co-signer. 

Since I've out of school in XXXX, I've been paying on this loan. I've been through a bankruptcy, I contacted the servicer to see what my options were for lowering my monthly payments or perhaps getting some portion of the balance forgiven. The representative for the servicer was very nice, but she said unfortunately they offer NO repayment options or forgiveness options. I have no one else to contact besides the servicer. XXXX  XXXX XXXX went bankrupt in XXXX. They were able to rid themselves of all their bad debts. I wasn't able to do the same with this loan through my own bankruptcy. 

By the time this loan is paid off in XXXX of XXXX, I will have repayed roughly {$42000.00}. Nearly three times the original balance of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/19, I logged onto my children 's place credit card issued by Comenity bank, to discover my credit limit had been decreased again. This is the 2nd time this has happened in less than 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: Upstart Holdings, Inc.
State: FL

Complaint narrative:
on XX/XX/2018, I was giving an offer for a credit loan from Upstart through XXXX XXXX in 2018 and it clearly stated this offer will not effect my credit and the inquiry will be a SOFT inquiry. The process took less than an hour and I was approved with the money in my account. Recently I ran my credit to find out the Upstart inquiry was not a SOFT but rather a HARD inquiry and it showed on multiple credit agencies. On XX/XX/XXXX I contacted Upstart regarding this issue and in fact they confirmed that the offer was made with SOFT inquiry however when it came time to finalize the loan they did a HARD inquiry. 
I asked the question why was I not told about the changes prior and the representative said : it was written on line # 13 of the disclosure statement. Since most of not all consumer do not read every single line of the disclosure and only look the apparent concerns like the payments, interest rate, amount of payments, it makes this business practice very misleading. It would have been more transparent from Upstart to disclose the HARD inquiry procedure the same way they disclosed the SOFT inquiry from the get go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Called and explained that I was not paying a 2 year cancellation early fee because it was not in my original verbal contract and that they needed to send the postage and boxes for the return of the equipment that they wanted back for the services that didn't work properly from day one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: GA

Complaint narrative:
I WANT TO KNOW THE EXACT REASON OR REASONS AS TO WHY THE ACCOUNT FOR XXXX OF A TOTAL OF XXXX DOLLARS. THIS ACCOUNT SEEMS TO BE ONLY REFLECTING UNDER EQUIFAX, AS AN UNPAID- CHARGE-OFF. NOTHING HAS BEEN DONE ABOUT THIS ACCOUNT AND I DEMAND TO KNOW THE REASON WHY. AFTER SEVERAL ATTEMPTS TRYING TO REMOVE THIS ACCOUNT FROM MY REPORT, NOTHING HAS BEEN DONE ABOUT THIS MATTER. THE FIRST ATTEMPT AT REMOVING THE NEGATIVE ACCOUNT FROM MY CREDIT REPORT WAS ON : XX/XX/2018, A DISPUTE LETTER WAS SENT TO EQUIFAX AND THEY DID NOTHING ABOUT IT, NOR DID THEY RESPOND TO MY CONCERN. THIS IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT AND THE GOALS I HAVE YET TO ACHIEVE, PLEASE HELP ME WITH THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had applied for a Citibank Costco credit card online on the same day I applied for other credit cards. All other credit cards were approved however Citibank denied the credit card because there were too many inquiries on my credit report. I explained this to Citibank and said that this reason was never mentioned anywhere at the time of my application that if there are multiple inquiries on the same day the card would be rejected even when the credit score is very good. This is misleading the applicant and also negatively impacting their credit record. Citibank should clearly indicate in their application process and not just say that it will be determined after the the credit score. This is not a transparent process and absolutely impacts the customer negatively.

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 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SELECT PORTFOLIO SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation