vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
In  XXXX    XXXX   I opened a credit account with   XXXX   XXXX   XXXX   for the purchase of my wedding dress. The credit card came with a 0 % interest for  six  months offer. Due to an error in entering my address correctly, I did not receive my credit card or first physical bill until late  XXXX  early  XXXX .     The interest is set to begin effective  XXXX   XXXX  at a rate of 22 %. I contacted the company today to request a three month extension on the interest. The person to whom I spoke told me to contact the store. I called the store and spoke with the manager  XXXX  who stated that she did n't have anything to do with the interest. I kept  XXXX  on the line and called the credit card company  (  Comenity Bank ;  XXXX   XXXX  ) using a conference call. I spoke with  XXXX  and she stated that it was not possible for them to extend the interest. I told her anything is possible and I asked to speak to her manager.  XXXX  came on the line and stated that she could hold off on interest for one month. She also submitted my information because I am still requesting three months to their internal disputes department.     It is not my fault that I did not receive an actual bill until late  XXXX  early  XXXX  without an actual bill. My driver 's license does bear my correct and current address. They neglected to include my apartment number in entering my address which is why I did not receive my bill. My first payment was made by phone in  XXXX  with a collections agent due to the fact that I did not have a physical bill he dropped late fees. I totally expected to receive a bill and a card after that. I ended up having to attach a handwritten note to the bill because I could not make automated payments. ( Which oddly enough they only offer in a very limited form ; each month a card holder has to go in and schedule a payment. This increases the likelihood of missed payments and seems predatory in nature to me  )  I did not have the opportunity to divide payments in a manner that would allow me to pay the entire balance within the six month offer period.     Will you please assist me in obtaining a  three  month extension on on the introductory offer?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
a collection account was opened  XXXX   XXXX  amount {$66.00} the  XXXX  amount {$750.00} I did not know this was on my credit report until this year. I paid both of them in   XXXX  . I never got a phone call or anything thing in the mail saying it was an issue with the payments. or that it was not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing,  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX , is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. Convergent Outsourcing is in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.   I have made several attempts to resolve this issue but the company indicates that they do not have the account in their records but it continues to appear on all  XXXX  of my credit reports.   Account #  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 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On  XXXX   XXXX ,   XXXX   my car broke down major problem with engine I called Ocwen to let them know my  XXXX  payment would be late and I would have the money by  XXXX   XXXX ,   XXXX   and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on  XXXX   XXXX ,   XXXX   I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight  XXXX   XXXX  by the  XXXX  of the month you are not late. I found out last week they reported me  30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on  XXXX   XXXX ,  XXXX   XXXX  &  XXXX  I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the  Mass Attorney Generals  office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for  XXXX  I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay  XXXX  and get it there by the  XXXX  if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
So my sister received a call from some collections firm representing  ACE Cash Express.  The firm stated that they have been unable to reach me and told my sister that she needed to contact me to notify me that they are threatening criminal charges against me for and unpaid debt i had in the amount of  XXXX  dollars from  2015. Als o that the needed to serve me papers at my place of employment of a law suit as well for Fraud. the released all this information to my sister who is only a reference. She then contacted me and gave me the firms contact information. So I called and was willing to make a payment arrangement with the firm after being threatened in the same manor, with a law suit and criminal charges and coming to my place of employment. I then told the woman i was speaking with if i could speak to someone else because she was being extremely rude and yelling at me and she said no. She stated that that was my only option was to pay  XXXX  every  2 w eeks I said I was not able to do that and she said well we are pressing charges on you then and proceeded to hang up on me. The woman would not give me her name either. This has caused so muc h   stress on  me at the moment my fathe r is really sick   XXXX  in th e  hospital and then i receive these threats. Is there any insight on this matter? The contact person that contacted my sister left the following information :  XXXX   XXXX   XXXX  Case #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Razor Capital, LLC
State: NY

Complaint narrative:
XXXX  a credit card was takin out in name without my knowledge the credit limit was  XXXX  $ went into default sold off to  XXXX   XXXX  holding  XXXX   XXXX   XXXX  then  to Razor   Capital LLC   XXXX   XXXX   XXXX  by the time i was aware of any of this it was   XXXX    XXXX  explanied that i did not take this credit card out found out that  someone in   XXXX  FL did this i have lived in NY my enitre life also i filed a report with the NY state Police in  XXXX  NY i have always paid my bills and credit cards in full i have perfect credit, HAD untill this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
i am a   XXXX   XXXX   doing a refinance for a client and she currently has  XXXX  mortgages. i have proof that her  2nd  mortgage that is a line of credit was never paid more than 30 days late,  yet Ditech is w illing to verbally admit they posted incorrecty but will not put this in writing therefore preventing me from closing this loan. I have a recorded line from the   XXXX   XXXX   company that i work with the states no  30-60-90 days late, but the history must match from Ditech . They stated they would fax a letter stating the month in dispute was not late however this letter has not arrived, need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I really was n't sure which subject to pick, but here is what happened. I had cable service with  XXXX   XXXX   XXXX  and canceled my service I believe in   XXXX   XXXX   XXXX   leaving a  XXXX  balance. And had service connect with  XXXX   XXXX  which had purchased  XXXX   XXXX   XXXX  at the time. So  XXXX   XXXX   XXXX  sent me a bill initially in the amount of  XXXX  so I called and inquired about it. I called on  XXXX / XXXX / XXXX  and spoke with a  XXXX , she informed me that it was for equipment ( modem ) and that I just need to return it to any  XXXX  store and they will ship it. So that 's exactly what I did. I took all their equipment to the  XXXX  store on  XXXX . And upon leaving  XXXX  I was told to be sure to keep up with my receipt because  XXXX   XXXX   XXXX  has been known for this very thing, of accusing people that that owe for equipment. Because they do n't scan it in or anything, they just throw the equipment in a box. I reached out to  XXXX   XXXX   XXXX  again in  XXXX   XXXX  when I received mail from them saying I owed. I spoke with an  XXXX  if I 'm reading my notes correctly and she told me she sees where I turned the equipment in and apologized for the error. So  XXXX   XXXX  around I I receive a letter from the collection agency about owing  XXXX  so I told her I do n't owe and she asked was I disputing the claim and I said YES and she told me she would send it back to  XXXX   XXXX   XXXX  and they would get back to me. I have  XXXX  to hear anything from them but in the process of trying to straighten up my credit, checked my report and see this  XXXX  on here. I have pictures of allllll the equipment and serial number of the equipment RETURNED. And I 'm not sure but if I owed  XXXX   XXXX   XXXX  they would n't still be sending me advertisement trying to get me to get internet through them. And I have tried several times to contact  XXXX   XXXX   XXXX  but they have an awful automated system and I have n't been able to speak with an actual human. I have no problem paying the debt IF I owed it BUT I do n't and this really irritates me. I 've kept up with a few notes I made to myself that I have attached below. I also attached a couple of pics of the equipment serial numbers that I dropped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion does not want to update my date of birth correctly on my credit report. I have sent disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  with a copy of my driver 's license as proof but to this date, nothing has been done to fix this mistake. Transunion is reporting that I was born in "  XXXX  ''. This is not true! My correct date of birth is  XXXX / XXXX / XXXX . I am including a section of a recent report as proof of Transunion 's mistake.   XXXX   and   XXXX   have the right information but I do not know where Transunion is getting their information from. Why has n't this been fixed?

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 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank without any warning or giving reason close d 5 of my acc ounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
Collection Company : Modern Adjustment Bureau,   XXXX   XXXX   XXXX  , Ca  XXXX  They are attempting to collect for FULL payment for dates of service : date sub.  | date of. | Provider of Service Billed. Paid by to insur | service. | Amt Ins.    ______________________________________________________________________   XX/XX/XXXX  |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} 03/07/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX    {$2100.00} {$290.00} 01/08/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} Modern Adjustment Bureau is attempting to collect a total amount {$6400.00} rather the the amount of {$290.00} for each procedure stated above.      Yes I admit I cashed the checks from insurance company, and in the past when I had gone to  XXXX  for my lower  XXXX   XXXX  procedures I had signed any insurance check (  s ) I  received signed over directly to  XXXX  ... For this particular procedure I received payment in the    XXXX    calendar year for  XXXX  date of services. At the time of  XXXX , I was NO longer seeking any more treatments. I also want to note that I NEVER received any invoice from the above provider for the due amount of {$870.00}.     I then contacted my insurance to attempt to find out how to address. Even though the above provider was NOT in my network, they did accept previous payments made by my insurance company and did NOT seek full payment for billed amount.     My insurance company has also noted that there are many dates of service where they did NOT pay, due to some accreditation as well as not being in network. But as I stated accepted the payment by the insurance company. There is now through the insurance documentation of this. As they stated to me, this is illegal. I have since contacted the service provider to explain my situation and stated that they would take the amount owed of {$870.00}. I also stated to them the Modern Adjustment Bureau has been making harassing phone calls and are belligerent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: AZ

Complaint narrative:
NATIONWIDE RECOVERY DOES NOT HAVE LICENSES TO OPERATE IN ARIZONA WERE I RESIDE.   THEREFORE THEIR COMMUNICATION TACTICS AND ATTEMPT TO COLLECT AN UNVERIFIED DEBT IS AGAINST THE LAW.   REMOVE DEBT / COLLECTION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been in continuous written contact with Citibank since  XXXX   XXXX  regarding a dispute over penalties and fees assessed for a missed payment. By oversight I skipped the  XXXX   XXXX  credit card payment, and promptly brought my account current in  XXXX   XXXX . Prior to this incident I had an excellent record of timely payments on this account. However, despite several written inquiries and attempts to resolve the issue, I received nothing from Citibank, other than collection threats, until late  XXXX   XXXX . At that time they informed me in writing that indeed my account was current as of  XXXX   XXXX . Nevertheless, they continued to send billing statements with accumulating interest and penalties without adequate explanation, the most recent being  XXXX   XXXX . I repeatedly offered to resume payments once they removed the excess fees from my account, but they did not respond one way or the other until last Friday when I received a collection notice from an agency to which Citibank referred my account. Today I sent a letter to  Citibank  informing them that I was seeking the involvement of the CFPB, to resolve this matter.

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 2017-05-15 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: IN

Complaint narrative:
I put in a dispute on  XXXX   XXXX ,   XXXX   with Experian credit bureau and tried to delete inaccurate addresses, I was told to call in, in which I did. I spoke with a representative named  XXXX  from team  XXXX . She was very rude, I tried to explain to her that the addresses associated with my credit report are inaccurate and that my name is being tied up to addresses that I have never lived at. She did not want to hear my dispute, after I got off the phone with  XXXX , I received an email that my dispute was finished. I looked at my new report and nothing changed. By law my disputes are to be investigated appropriately. It was not investigated appropriately because I received an updated dispute the same day. This is not legal, just because  XXXX  did not like my disputes or what I had to say does not give her legal action or rights to close out my disputes without properly investigating.

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 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I w as sent 3 different c losure notices for accounts that were opened in my name. I have never been a customer of this bank. When I contacted the bank the said that the  XXXX  accounts looked like fraud. The accounts were opened with a  XXXX  balance, maintained a  XXXX  balance and then closed with a  XXXX  balance. All with in a months time.

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 2017-05-15 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: NC

Complaint narrative:
I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All  XXXX  credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all   XXXX   of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.

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 2017-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The magnetic strip was not working on my Targ et Red Card so I  ordered a new card. I never received the new card. Someone intercepted the new card, activated it online and used it to purchase electronics. On  XXXX   XXXX ,  2017  I was notified of the series of fraudulent charges. I immediately disputed these charges. I contacted an attorney who sent in an ID Theft Affidavit, Police Report and supporting documents. We are also working on getting the surveillance tapes from Target. Target denied my ID Theft claim based on the wrong information that the card used to buy these electronics was in my possession. The card used to purchase the fraudulent items was the replacement card that I never received. I have had a very difficult time trying to work this out with Target.     I hope your agency can help communicate the correct facts and get this resolved. I have made the minimum payments on this account, so my credit is not ruined.

Company response to consumer: Closed with monetary relief