vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My wife and I applied for a Barclaycard credit card that offered a 0 % balance transfer. After we received it, we called and asked if we could use the card for a major life expense coming up ( {$15000.00} ) instead of a transfer and still get the 0 % deal. We were told yes, we could. We also had to ask for the credit line to be increased to {$15000.00} to accommodate this new expense. It was increased. We asked again to make sure we would have this expense at 0 %. We were told again, yes. But we had to pay the expense within a few days time in order to take advantage of the 0 % offer. ( We were both on the call and were both XXXX, we always confirm everything multiple times. ) We paid the expense the next day. 

Then our first bill lands with a hefty 17 % interest rate. We called to complain and were told, basically tough luck. 

We asked to speak to a manager, and went through the whole story and asked if they could change the terms to a 0 % card as we were promised. We were told no. We asked if they could review the tape of the first call. We were told no, that's not possible. The manager agreed that there was no reasonable way wed sign up for a card at 17 %, but they could not change it. However, she would forward it to a higher ranking manager to review the situation and get back to us within 30 days. ( This became XXXX XXXX # XXXX ). 

After 30 days, we called them back and were told, again, tough luck. They admitted we were given wrong information ( i.e. we were lied to by their employees ) but still insisted it was our fault. ( Oh, and that department does not call back customers we were told this time. ) Its outrageous that they're so unethical and unaccountable that they freely admit that they give out wrong information ( i.e. lie ), and then refuse to rectify the situation.

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 2019-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was approved on XX/XX/18 with my mortgage lender, XXXX XXXX, for an Affordable loan modification to lower my mortgage payment from {$1200.00} to {$1100.00}. I was told that I would have to make 3 trial payments and my payments would become permanent at or around the same amount of the trial payments. I was notified in XXXX that Mr. Cooper/Nationstar would be servicing my loan starting in XXXX, after my final trial payment was made. I was told that they would honor the terms of my modification. I successfully completed my trial payments and anticipated receiving my final approval from Mr. Cooper but what I received was an approval for a modification that would actually raise my mortgage payment to {$1300.00}! This amount was not at or around the amount of my trial payment, nor was it affordable which is what I was approve for by XXXX XXXX. I have spoken to several people with Mr. Cooper who refuse to honor the terms of the modification that I agreed to when I was only 2 months behind and could have reasonably caught up on, now I am in default and in danger of foreclosure unless I accept these unfair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: TN

Complaint narrative:
I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to XXXX. The account is also reporting on my Transunion and XXXX  reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.

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 2019-03-11 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: TN

Complaint narrative:
I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to XXXX. The account is also reporting on my XXXX and Equifax reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: PA

Complaint narrative:
OnXX/XX/2019, I received a letter from Financial Management Solutions ( FMS ) indicating an alleged and fraudulent debt in the amount of XXXX. On XX/XX/2019, I disputed the entire debt amount in writing and sent a letter with this respect to FMS via USPS certified mail ( tracking number : XXXX ). According to the USPS online records, the letter was delivered to the FMS financial solution on XX/XX/2019 ( Accordingly, they received my letter disputing my entire debt prior to expiration of the thirty ( 30 ) days period afforded under fair credit act ). However, I was notified that FMS financial Solutions has reported the debt prior to expiration of the thirty ( 30 ) days afforded under federal law while failed to report it as disputed. Furthermore, the referenced debt collection agency has failed to validate the debt prior to taking further collection actions. The debt was reported on XX/XX/2019, while on the same day, they received my letter disputing the entire debt. 

Accordingly, the referenced debt collection agency has committed multiple violations of the fair credit act.

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A wells fargo credit card is affected my credit. I HAVE NEVER HAD A CREDIT CARD IN MY LIFE. That card belongs to my mother. I want this off my report now. This is wrong and inhumane. I feel I'm treated this way because of my race. This is wrong

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 2019-03-11 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: AL

Complaint narrative:
I XXXX XXXX has got into contact with XXXX ( XXXX XXXX XXXX ) about two inquiries on my credit report. I have never heard of them. The accounts have opened in XX/XX/XXXX for XXXX and the other account opened in XX/XX/XXXX. I paid the XXXX in XXXX of XXXX. When i asked if they were for the same reason and why im charged with two separate bills instead of one their answer was these are two separate bills from XXXX XXXX private doctors. I never had a private Doctor. I called XXXX XXXX XXXX XXXX a nice lady on the phone said my accounts were paid in full and i had no other bills on record. So where is this coming from. XXXX never sent out letters to pay a bill i never received information on who the private doctors are and why im getting billed for something i dont know anything about. I dont know the Doctors names dates i recived the bills or what they were for. XXXX was also know for XXXX XXXX XXXX. I dont know who this bill collector is. They are from Florida. I live in Alabama. XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I paid XXXX to them. I just hope that i didnt get screwed.

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 2019-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/19 XXXX through PNC Bank {$290.00} to XXXX Reached out to PNC Bank, they won't reverse nor even assist. 
Requested the amount back from XXXX failed to comply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
From XXXX to XXXX their were several fraudulent accounts opened using my personal information with out my consent. I am in desperate need of these accounts being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I recently noticed an item from DSRI on my Credit Report and they did not send me any notice of any kind regarding this debt, they simply just put it on my Credit Report. Recently I was also applying for credit and was denied because of the mark that DSRI has left on my Credit Report. They claim to have put in a request for removal already, but my actual damages have also occurred. Once again I am requesting that DSRI please contact my attorney about this matter to resolve. Stop with the semantics.

PLEASE CONSIDER THIS MY DEMAND FOR PAYMENT FOR STATUTORY DAMAGES IN THE AMOUNT OF {$2000.00} ( FCRA AND FDCPA ) ACTUAL  DAMAGES AND ATTORNEY FEES TBD. 


I AM A XXXX CITIZEN AND WANT DSRI TO STOP THE FINANCIAL RETALIATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I reached out to Waypoint RESOURCE GR on XX/XX/2019, and asked to validate the debt which they say I owe. It has been months later and I still have not seen any proof of the amount of debt owed. Here are the questions I wanted to know : The name of the creditor to whom the debt is owed A statement of notice that the debt will be considered valid by the debt collector unless the consumer disputes it within 30 days of notice A statement of notice that if the consumer disputes the validity of the debt in writing within the 30-day period, the debt collector will obtain verification of the debt and mail it to the consumer A statement of notice that the debt collector will provide the name and address of the original creditor if requested in writing by the consumer within the 30-day period. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for the alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to a collector. 
The complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
From XXXX to XXXX their were several fraudulent accounts opened using my personal information with out my consent. I am in desperate need of these accounts being removed.

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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
From XXXX to XXXX their were several fraudulent accounts opened using my personal information with out my consent. I am in desperate need of these accounts being removed.

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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Once again, on XX/XX/19, TransUnion misreported my XXXX XXXX XXXX account aa a chragevoff/bad debt, despite their [ rior cknowedgeent tht theccount Was properly paid off through XXXX own gap insurance. Idontundertnd this brazenly bad conduct, This improper information has badly affected my credit.

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 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
Our house was already foreclosed on and we were evicted. Thing is we paid XXXX XXXX   XXXX thousands and thousands of dollars to stop it but all they did was file repeated attempts for backruptcy then offered to buy our home and rent to us. Then the night before our eviction, our representative XXXX XXXX called and said nothing would happen, we were fine. Lies, because the sheriff evicted us. If XXXX had done his job he would have seen the assignments on 6pur deed were invalid. Now Mr XXXX has asked me for money to clean up our credit rating. Unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
1 ) Dentist performed and completed dental work without authorization of insurance. Dentist offered me bridge and ssid it was covered after it was done insurance denied it due to previous tooth missing. Dental then charging me for full cost. Insuance advised me not to pay since dentist did not receive authorization prior to work. Had I known it was not covered by insurance I woul have had a single crown which would have been covered. 
2 ) Went to dentist to re glue a crown and covering dentist filed crown and exposed metal on different areas then glued back on. I then went to my regular dentist and told her she lied to me and ssid that was just normal wear and tear! No it is not it was obvious of filing. Besides whennI went in crown was intact and notice at home it was exposing areas of metal! Terrible services and no honesty! Very unsatisfied! Poor communication

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 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2019 I faxed in a letter disputing the debt. I asked resurgent debt dispute department to send me copies of itemized statements showing the balance of the debt they were reporting on my credit and copies of the credit agreement and have yet to be provided with validation of the balance of the debt they state I owed. I do not owe this debt and would like it removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was at home checking my email and received a call from 2 banks saying that i was late on 2 different car payments that I don't own or know anything about. I then looked on my credit report and saw 2 installment loans that I did not authorize. These accounts are : XXXX XXXX {$49000.00} and XXXX XXXX XXXX {$25000.00}. I then went to the police station and explained the situation to them and they gave me a identity theft police report. I sent a letter with the police report to equifax to have it removed and hey still haven't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
equifax would not let me get my annual free credit report online nor woul ; d they let me view it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Agency ( PRA ) is violating my rights. I requested validation of the debt. PRA sent  information validating the debt. I disputed the accuracy of the information several times. XX/XX/XXXX PRA submitted information to CFPB that my Date of Last Activity ( DOLA ) is XX/XX/XXXX. PRA sent documentation ( enclosure 1 ). The documentation does not establish the DOLA. The first page from PRA files of the original creditor ( OC ) ( XXXX XXXX ) states that your behind by six payments the due date XX/XX/XXXX minus six payments will place the DOLA XX/XX/XXXX. PRA date of this information was XX/XX/XXXX. ( enclosure 1 ) I made a request to XXXX XXXX. I requested the information transferred and sold to PRA in which included the entire history of payments. The last payment made to XXXX XXXX ( OC ) is XX/XX/XXXX. ( enclosures 2 ) I compared the documentation from PRA and OC. PRA omitted the payment history in which establishes the DOLA. The OC documentation included the DOLA. ( enclosure 1 & 2 ) PRA documentation only show  XX/XX/XXXX and no payment history or the DOLA. The OC documentation shows correct payment history without any omissions. ( enclosure 2 ) PRA is reporting to Equifax false information. Equifax is reporting the date of first delinquency as XX/XX/XXXX. The date of first delinquency according the OC is XX/XX/XXXX. Equifax does not show the date of last payment ( enclosure 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A business loan taken out by an XXXX is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.

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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Once again, on XX/XX/19, XXXX  misreported my Toyot Motor Credit account aa a chragevoff/bad debt, despite their [ rior cknowedgeent tht theccount Was properly paid off through Toyotas own gap insurance. Idontundertnd this brazenly bad conduct, This improper information has badly affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A business loan taken out by an LLC is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.

Company response to consumer: Closed with explanation