vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter

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 2018-02-19 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: Diversified Consultants, Inc.
State: TN

Complaint narrative:
DIVERSIFIED CONSULTANTS has been calling me for about 6 months now every day around XXXX a.m. and sometimes in the afternoon about a bill that was paid years ago! 

I don't owe XXXX {$320.00} yet DIVERSIFIED CONSULTANTS keeps calling me everyday! 

NOW they have reported me to the credit bureaus for a completely false bill that has BEEN paid. 


DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$320.00} High Balance {$320.00} Remarks Placed for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
XXXX had reported 2 identical accounts from Commonwealth Financial Systems XX/XX/18 in the amount of {$1300.00} it shows up twice. This is due to identity theft because I have never lived in XXXX, KY. I would these items removed because I have disputed the info and CFS stated they would show I am disputing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
last year XXXX I received a call from XXXX debt collector stating I owed money and a letter, I called the number on the letter and told the creditor that is was dismissed in the bankruptcy XXXX i had filed in XXXX. I did not hear back from them and now they have put the debt on my credit report this last week and it has been 10 years since the account went into collections and since it was dismissed in my bankruptcy. 
I don't know what else to do to get them to stop coming after me for this debt that was resolved.

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 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc.
State: SC

Complaint narrative:
On or around XX/XX/XXXX timeframe I received through the mail a promotion from XXXXXXXX XXXX  XXXX XXXX were I could choose some magazine subscriptions in exchange for unused miles about to expire from air travel companies, which I mailed back with some choices. 

Over a month later I've got a call from a person from this same company requesting to update credit card information from my husband 's credit card that somehow they had with them. They also made questions over and over trying to confuse me and make me agree to choices I didn't want to make about subscription length. Every time I answered no to a question they would restart all the questionnaire saying I couldn ' t make that choice and using questionable sales tactics and trying to force me to agree to their preferences. 

In XX/XX/XXXX they sent a letter confirming subscription to 5 magazines for 4 years, which I never intended to make with a charge of {$39.00} a month for 30 months for a total of {$1100.00}. 

They charged {$39.00} to my husband 's credit card in XXXX and XXXX but never sent any magazines and we didn't authorized any charges because it was supposed to be in exchange for unused miles. 

On XX/XX/XXXX we received a letter from this company requesting payment because that credit card they had on file was cancelled. 
I replied on XX/XX/XXXX that I wasn't interested in their magazine subscription since they never sent the magazines, and they had charged the credit card unduly and that I wanted all the subscriptions cancelled. 

On XX/XX/XXXX we started receiving and returning to sender the first and all subsequent magazines sent to my address by this company. Nevertheless, they continued sending magazines through XX/XX/XXXX, all of them returned to sender and then they stopped. 

In XXXX I started receiving phone calls from this company trying to collect a debt of {$1100.00}, which I refused to pay since I never agreed to it. 
Subsequently, collecting agencies have been calling for this same issue. 

On XX/XX/XXXX received a letter from Interstate Recovery service, dated XX/XX/XXXX stating the debt was assigned to them for collection, which I'm still disputing as invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied and approved for AAdvantage card from Citi in XX/XX/XXXX. We can see all of our miles on our statement as we earn them. However, when we logged in to use them in XX/XX/XXXX, our miles reflected XXXX. We contacted XXXX XXXX XXXX XXXX, who informed us the miles were posted to the incorrect account, and used. Only approx XXXX miles of the 45+k miles were unused ( which were transferred to our account in about a week ). The remaining miles we were informed that once they are used, even if we did not authorize them to be used by someone else, that we could NOT have them back. There were XXXX miles used on a booked, yet untraveled flight, which XXXX informed us they could give back to us if the flight was canceled and penalty fee paid. We were able to find out who used the miles. They did cancel the flight mid XX/XX/XXXX, and paid the penalty fee. The miles still have not been put in our account, and the other approx XXXX miles they say they can NOT give us. We contacted Citi bank, whom states they can not give them to us, as it is American whom issues the rewards. XXXX has given us XXXX as a courtesy, but we are still out several thousand miles, equating to several hundred dollars in flights. We also asked Citi if they would be willing to waive the annual fee due to the mistake, they refused. We have been working with both Citi and AA over multiple phone calls and complaints over about 2 months with no resolution in sight. It is not our fault that the miles were awarded to the incorrect account.

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 2018-02-19 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: IN

Complaint narrative:
XXXX XXXX XXXX CREDIT CADRD NOXXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I applied for a loan over the phone with New American funding on XX/XX/2017. I received from the VP officer XXXX XXXX pre-approved loan letter on XX/XX/XXXX. After delivered all requested docs, on XX/XX/XXXX, I received a written full loan approval letter which also stated go ahead to " remove all contingencies '' for my home purchase contract. Upon receipt, I performed my due diligence and obligations pursuant to the purchase contract and removed loan contingency. I would not have done so without the written full loan approval from New American Funding. I had sent all paper work, locked rates, paid for appraisals and inspections and had XXXX on earnest deposit held at Chicago Title. Unfortunately days from escrow, I was told that the VP entitled of my loan quit the company without notifying me and my agent. The loan passed to different loan officers who promised new closing dates. The new loan officer XXXX XXXX asked for more time as they need to unlock the files under the license of previous XXXX XXXX XXXX. It took me and my agent many phone calls and lot of stress to get escrow dates. I experienced many unethical behavior from their employee. XXXX XXXX assistant sent emails to my accountant without my previous authorization asking him to provide false information. My agent tried to talk to a branch manager XXXX XXXX XXXX who introduced to another employee XXXX XXXX XXXX who on XX/XX/XXXX told us they could not fund the loan. As my duty I canceled the purchase agreement as the seller could no longer wait. They put an offer on her new home in Arizona and the sellers of the Seller escrow was also pending on my escrow. While New American Funding VP XXXX XXXX recognized their employee 's mistakes and asked for all receipts of my expenses due to the delinquent behavior of a VP loan officer, I have only received 6 % of damages. It is unfortunate that a lender company like this one can cause harm people, and it is still in business. I am looking for reimbursement of earnest deposit in the amount of {$30000.00} lost due to the delivery of a Full Approval Letter by New American Funding in the purchase of a residential property contract in California in the amount of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
We were under a mandatory state of emergency and considered a disaster area and had no electricity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
XX/XX/2018, Im still trying to contact Bayview Loan Servicing so they can update my account..No one will answer the phone or return my call. All the lies and scamming, guess they dont want to talk to me. YES, Bayview Loan Servicing Approved and Executed my Loan Modification, but XXXX XXXX continue to send me harassing letters about foreclosure, claiming they didnt receive my last trial modification payment. I have provided proof that Bayview Loan Servicing received the last trial Modification Payment. They are so INCOMPETENT there. Im NOT Sure if the employees there have high school education, especially XXXX, she is so dense. My account need to be updated. When my attorney finishes with these crooks they will be sorry! I have a contract signed, approved and executed by Bayview Loan Servicing saying I didnt need to do anything else. I received instructions where to send the new modification payments. I have already sent XXXX XXXX my 1st Loan Modification Payment so I dont know what XXXX XXXX is talking about. She is a big liar, trying to scam more money out of me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. Capital One had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried, on several occasions to get my credit report updated to reflect that I was never past due on my auto loan. The loan was entered into a payment agreement because of my wife and I being impacted by Hurricane Irma, and my wife losing her job. XXXX told me I could pay the interest only on my loan for 6 months. During the time frame it took them to " process '' the loan modification, they gave me a 2 month forbearance. They reported that forbearance as being late on my credit report, as well as my wifes. When I contacted XXXX, and spoke with XXXX, the manager at the location closest to my home ... she informed me a credit letter requesting to update the credit reports had already been sent, and that they would be removing the late payment history, because I was never late. This was 4 months ago. Now every time I call i get a different answer. XXXX is now saying they have done all they can do and the credit bureaus are just not updating. I have called every individual credit union and they all state they have received nothing from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 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: NJ

Complaint narrative:
There was a collection deleted from my credit reports in XX/XX/XXXX. On XX/XX/XXXX Experian reinserted the collection to my report. I never received any notification from them regarding the reinsertion. I contacted Experian on XX/XX/XXXX and requested this collection be deleted because it was never validated and I was never notified by them of their intention to reinsert this item to my report. On XX/XX/XXXX Experian responded with their results saying only the company, XXXX XXXX, certified the information is accurate. I have never received validation on this debt or notice of reinsertion from Experian, therefore I am requesting this item be deleted immediately from my report.

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 2018-02-19 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: IN

Complaint narrative:
XXXX XXXX XXXX/XXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

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 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have earned over 300,000 Membership Awards points with American Express. My current balance of points is XXXX. On XX/XX/2018 I attempted to redeem points for gift cards. I received a message saying " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called American Express on the XX/XX/XXXX to inquire and again today on XX/XX/XXXX. Today they told me it would be an additional XXXX weeks for my purchases to be analyzed. 

This is an unfair practice by American Express. I earned my points legitimately and now when trying to redeem are blocking me from doing so. I feel this is a bait and switch technique. American Express should release my points immediately or complete what should be a simple review within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dream Center Education Holdings
State: AL

Complaint narrative:
MADE THE HUGE MISTAKE OF ATTENDING XXXX XXXX   XXXX ALABAMA CAMPUS. THIS SCHOOL DID NOTHING BUT ROB US EVERY SEMESTER AND MAKE US BRKEN PROMISES. ON XX/XX/2014 MY FATHER DIED UNEXPECTEDLY. I CONTACTED EACH OF MY PROFESSORS AND INFORMED THEM OF WHAT HAPPENED. DUE TO THE FACT THAT I HAD TO PLAN THE FUNERAL ALONE AS WELL AS HANDLE ALL OTHER THINGS THAT HAD TO BE HANDLED I CONTACTED EACH OF MY PROFESSORS TO INFORM THEM THAT I WAS NOT MENTALLY ABLE TO TAKE MY EXAMS. I WAS GREETED WITH NASTY EMAILS AS WELL AS PHONE CALLS. MAINLY FROM JUST ONE OF MY PROFESSORS. MY MATH PROFESSOR AT THAT TIME WAS EXTREMELY NICE AND WAS WILLING TO WORK WITH ME. THE OTHER WAS NOT SO NICE AND SO I REACHED OUT TO THE PRESIDENT OF THE UNIVERSITY AND THAT WAS A HUGE MISTAKE BECAUSE FOR THE PAST ALMOST FOUR YEARS THIS " PERSON '' HAS LIED TO EVERYONE INCLUDING HIMSELF. AFTER BEING MET WITH SUCH HATRED FROM THE STAFF AT XXXX UNIVERSITY I REACHED OUT TO THE DEAN OF STUDENTS WHO OFFERED TO PROTOCTOR THE FINAL EXAM AND YET THIS " SO CALLED PRESIDENT '' DID NOTHING TO MAKE IT HAPPEN. AFTER I COULD NO LONGER TAKE ANYMORE HATRED FROM THIS UNIVERSITY I SET THEM ALL A EMAIL ( PROFESSORS AND PRESIDENT ) AND I WITHDREW FROM THE UNIVERSITY. LATER I RECEIVED A BILL FROM THIS SCHOOL. I CONTACTED THEM ( XXXX ) AND WAS TOLD THAT I COULD DISPUTE THE CHARGES AFTER I TOLD THE REP WHAT HAPPENED HE ENCOURAGED ME TO OPEN A DISPUTE AND I DID. THE PRESIDENT OF THE UNIVERSITY CONTACTED ME AND LIED ... I WAS TOLD THAT THE ENTIRE SEMESTER WOULD BE FORGIVEN. AND THAT HE WOULD HAVE MY TRANSCRIPT SENT TO XXXX UNIVERSITY. NO REFUND WAS EVER DISCUSSED AT THAT TIME. I WAS NOT EVEN EXPECTING A REFUND. WELL TO MY SURPRISE THEY SENT ME A PARTIAL REFUND FOR THAT SEMESTER. CURIOUS I ASKED THEM WHERE WAS THE REST OF THE MONEY FOR THAT SEMESTER AND HE ( PRESIDENT ) LIED AND SAID THEY SENT IT BACK TO THE DEPARTMENT OF EDUCATION. AND THAT HE HAD A WRITE TO CHARGE ME WHAT THEY SENT BACK. NOW THE MONEY THEY DID SEND BACK THE PRESIDENT WANTED ME TO SEND IT BACK TO THEM TO PAY OFF THE OVERCHARGING THEY HAD DONE THE SEMESTERS BEFORE. NO MONEY HAS EVER BEEN SENT BACK TO THE DEPARTMENT OF EDUCATION. THIS COMPANY IS STILL ASKING FOR OVER 5,000.00 AND THEY STILL HAVE GRADES DOWN FOR THE SEMESTER THEY CLAIM WAS FORGIVEN. THIS COMPANY HAS HURT AND OVERCHARGED ME AND OTHERS FOR SEVERAL SEMESTERS. I RECENTLY CONTACTED THEM AND THEY WERE NASTY AND COULD NOT EVEN GIVEN ME ANY ONFORMATION. I HAVE BEEN CALLING THEM SINCE LAST YEAR. THEY HAVE ROBBED SO MANY STUDENTS ANS STILL CONTINUE TO EXPECT US TO PAY THEM FOR BROKEN PROMISES AND THE FACT THAT I MISTREATED AND CHARGED FOR HAVING A DECEASED FATHER. THIS SITUATION STRESSED ME SO BADLY THAT I COULD NOT EVEN GRIEVE THE DEATH OF MY FATHER. THIS SCHOOL AND COMPANY ( XXXX ) HAS LIED TO MAKE THEMSELVES LOOK GOOD WHILE TAKING ADVANTAGE OF STUDENTS AND THEIR EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I wrote a letter to this company last XX/XX/XXXX requesting debt validation. To date, I have not received any validation document. I have requested debt validation for two accounts, Account 's XXXX and XXXX. Cavalry did reply ( please see attached copies ) last XX/XX/XXXX. On their letter, they are asking me to send documents to verify my claim. " I am the consumer and it is on their shoulders to provide proper debt validation ''. I have given them enough time to send me what the law requires. They still did not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prizm Financial Company, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX Prizm Rep, XXXX XXXX stated in an email that XXXX would likely, " write-off the deficiency '' for a vehicle I voluntarily surrendered. This was supposed to be a compromise and settlement to previous unethical and illegal practices I experienced by XXXX XXXX. However on XX/XX/XXXX I received a letter from XXXX XXXX, Prizm 's " Legal Collections Manager '' that stated I owe {$9100.00} to XXXX because " The proceeds from the sale of the vehicle were insufficient to satisfy your loan obligations. '' I was led to believe this issue was resolved however it was just another ploy to take advantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. XXXX XXXX had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...

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