vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer. 
We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX CREDIT CARD ACCOUNT WAS OPENED ON FRAUD, I HAVE ALREADY SENT DOCUMENTS TO CREDIT AGENCIES XXXX, XXXX AND XXXX, THEY HAVE CONFIRMED DISCOVER HAS RECEIVED THE DOCUMENTS AND CONCLUDED ACCOUNT IS CLOSED. YET I AM RECEIVING CALLS FROM DISCOVER ABOUT INVESTIGATION, PLEASE CLOSE THE FRAUD ACCOUNT THIS WAS OPENED BY MY ROOMMATE " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON 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 2019-06-11 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: ID Analytics, Inc.
State: IL

Complaint narrative:
Ive recently received a letter about trying to qualify for a loan thru XXXX by   XXXX XXXX in witch Ive never heard of or applied for now my credit score and  personal information was provided to them thru SageStream Llc which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a cease and desist order to Portfolio Recoverys corporate office and billing office. Two of the accounts they are calling for were settled in a court of law. The most recent is currently being paid off now under a new debt settlement offer. They call from multiple numbers. I have kept a record of all the numbers they call from before the cease and desist order and after the order was sent. The cease and desist order was mailed XXXX XXXX. They call multiple times a day from different states. They have no reason to even be calling me. All accounts associated with this unethical company have been addressed In the Justice Court XXXX County, Texas Precinct XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. XXXX. Under Judge XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed Bayview of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XX/XX/XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. 
I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by Bayview, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XX/XX/XXXX, and would like to do so in peace. I am providing the attached information. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
In XX/XX/2017, I was contacted by XXXX XXXX to consolidate my student loans. I was informed that this consolidation would not impact my Chapter XXXX bankruptcy. Unfortunately, the representative did not know what he was talking about and it definitely affected by Chapter XXXX status. I was immediately put into repayment status. However, when I contacted them to explain the mistake, they admitted that I was misinformed and stated they were unable to provide me any assistance since it was too late to reverse the consolidation. I was furious, but felt my hands were tied. Then, I attempted to contact them again to begin making repayments under the income-based plan. I was again informed that they made a mistake and consolidated my student loans with a small Parent PLUS loan taken on behalf of my daughter. Again, there was nothing they could do but offer me further forbearances. I am never going to pay back my loans as a XXXX XXXX XXXX  without additional assistance. My loans are doubling with interest and no one is taking responsibility for their mistakes. I have attempted to work this out with the lender but they are not willing or able to correct this outrageous grievance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc.
State: IN

Complaint narrative:
I made a complain to the XXXX, USI Solutions INC continue to call and harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Time Investment Company, Inc.
State: SC

Complaint narrative:
Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer. 
We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Ive recently received a letter about trying to qualify for a loan thru Marcus by Goldman Sachs in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru XXXX XXXX which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: Home Loan Center, Inc.
State: IL

Complaint narrative:
Ive recently received a letter about trying to qualify for a loan thru XXXX XXXX XXXX XXXX in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru XXXX XXXX which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
1. We used a report issued by an FHA appraiser in order to qualify for this loan.

2. Later, I had a secondary inspector come and look through the house.

3. He gave me the report that is attached to this email. And he also said that he thought that the house was such that it should never have qualified for FHA approval.

4. He suggested that the license of the person who made this appraisal should be pulled.

5. I contacted the FHA to let them know that they had possibly a corrupt or sloppy inspector.

6. They told me that I should contact the loan servicer as the first step.

7. And so, here we are.

( Please note that the INDEPENDENT home inspector found about {$7000.00} worth of repairs that would have been necessary to make the house qualify for an FHA loan. Those are {$7000.00} that I have to come up with out-of-pocket in order to get the house up to code, even though it was not up to code a single day of the six months that we have lived in it. The house is a fire hazard, if for no other reason than the fuse box that needs to be replaced because it is out of date and out of code.. ) Attached is the report from the secondary inspector, which the mortgage Servicing Company already has. 

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 explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This agency ( comenity bank ) contacted my father in law on XX/XX/19 and gave specific information about my debt, violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: AL

Complaint narrative:
I have disputed online and via mail multiple times for deletion of an account that is negative history and has been on my report for more than 7 years. The account keeps coming back verified, but the first date of delinquency isXX/XX/XXXX, which is way past the 7 year timeline reporting frame. Shows paid as agreed but has a negative remark in comments about redeemed/reinstated repossession. I am not sure how this keeps getting verified accurate when the delinquency is more than 8 years old and a clear violation. This account closed in XX/XX/XXXX as well. Please see attached old credit report that has account history from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer.

We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without 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 2019-06-12 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
sent the ftc claim XXXX taking their time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: TX

Complaint narrative:
sent the ftc claim XXXX  taking their time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I received a letter from Resurgent dated XX/XX/XXXX about a debt that they said i owed. I sent them back a certified letter requesting validation of the debt. I then received a letter back from Resurgent along with a bill. Resurgent did not properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill,  or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected.

Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX   University that gave you the right to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NV

Complaint narrative:
I fell behind on my mortgage so I hired an attorney to assist me in applying for assistance. My attorney provided PHH/XXXX with everything they needed on XX/XX/19. Complete loss mitigation application and financials. My attorney has been calling now since that date and the phone originally would not pick up. It said they have technical difficulties. I have a notice default and my home is scheduled for foreclosure soon. My attorney says there is RESPA Law Regulation X that requires a servicer to respond and review my request within 30 days. It has now been over two months and no response. They are in violation of RESPA law and this is not fair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought two suits from Macys.com on XX/XX/XXXX, and XX/XX/XXXX, respectively. I picked up both suits on XX/XX/XXXX, and returned one due to it being the incorrect size. This caused a credit of {$150.00} on my account, the original charge for one of the suits. 

I opted to have Macy 's alter my suit to provide a better fit. They charged {$58.00} for this. A week later I picked up the suit and fully wore it. The quality of the suit is not to the standard for the company who makes the suit. I went back to the Macy 's store, and was told that I could not return it due to it being altered. I let the sales rep know that I'm returning it due to the material and quality of the suit. They stated that their policy would not allow them to return the suit. 

I initiated a dispute with the credit company which I used for payment, the Macy 's store card. Twice I received a letter in the mail saying that I was already refunded the money. This is incorrect. I was refunded the original suit that I purchased and returned, not the current suit that was altered and had the substandard quality that I expect from the company. 

I called Macy 's Credit Card line on XX/XX/XXXX. I explained my situation. At first they did not understand what I was referring to, since in the statement in says that I received a refund for a suit. They did not understand that I had purchased two suits, and one suit was already returned, and that I was making a dispute on the other one. 

The credit supervisor let me know that unfortunately due to store policy they could do a refund. I then stated this was the point of the dispute, that I was disputing the charge due to the substandard quality of the suit. She then stated I would have to take it up with the manufacturer. I asked her how would this be done, given that I purchased it from them, and I could not just ring up the manufacturer to tell them about the substandard quality their suit had. She did not have a response.

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