vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
XX/XX/2018 I ordered a Trial of XXXX XXXX  for {$4.00} which I paid with my Discover card. I told the person taking the call TO SEND ONLY the Trial and that NOTHING else was being ordered. They charged my card {$4.00} which was the price for a trial bottle ; which I paid. I received a bottle around XX/XX/XXXX and it was apparently from XXXX XXXX XXXX ; although it was a bottle of XXXX XXXX. 

XX/XX/2018, Now XXXX billed my credit card for {$79.00} and I have no idea what this charge was for. 

XX/XX/2018, XXXX XXXX XXXX billed my credit card for {$79.00} and I have no idea what this charge was for. 

Around XX/XX/XXXX I realized this was a scammer outfit and I packaged up the two bottles I received of XXXX XXXX and sent them to the shipping address on the box ( had no other address ). I have proof that they received the two bottles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i disagree with the last complaint they did not address the issue. chase auto has Not been reporting accurately to XXXX credit bureau.Chase auto state theres a block from XXXX which is a different company from XXXX. chase as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.XXXX   says they can not change anything on my consumer report unless chase auto update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to  continue to report inaccurate information sec 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
On XX/XX/18 I informed this company of my Medicaid information. I provided my policy and member number. I have spoke with my local Medicaid office and was informed their responsibility was paid and that I am not responsible for the bill and that it is against federal law to report this account against my credit. I advised this company that I wish to dispute and open an investigation which are my rights as a consumer. I've done my part by providing all information to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Constar Financial Services, LLC
State: PA

Complaint narrative:
I received a notice in the mail dated XX/XX/2018 from Constar Financial Services regarding my Student loan with XXXX stating that I owe them {$10000.00}. 
At the time I was currently faced with financial hardship and was to the best of my knowledge already in the process of trying to resolve this matter with my lender. I asked not to receive collection calls. 
I received an additional notice from Constar dated XX/XX/2018 stating that I owe {$11000.00} which proceeded to offer a reduced interest rate program that would take my interest from 9 % on the XXXX loan originally with XXXX XXXX for 7.25 % down to 0 % and that my new monthly payment would be {$55.00}. The notice also states that my credit status would change to " Paying as Agreed '' This was to occur after 3 consecutive payments which were setup automatically. 
I setup the payment on XX/XX/2018 which was posted to my bank account, and later verified that it posted to my XXXX loan. 
On XX/XX/2018 I received a call from a different collection agency XXXX XXXX  XXXX on behalf of XXXX. After contacting Constar and XXXX I was able to verify that Constar sent my loan back to XXXX and neither will honor the agreement. I was asked to setup a similar arrangement with the new collections for 4 consecutive payments of {$57.00} which was deducted from my bank account on XX/XX/2018.

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 2018-09-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite contacting Experian many time personally and true my lawyer my credit score unavailable. I can not make any purchases, can not buy a car, can not open secure or regular credit card, can not rent apartment.

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 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
They are callng me to collect a debt under my husbands name, when they have literally just talked to him on his cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LTD Financial Services, L.P.
State: DC

Complaint narrative:
On XX/XX/XXXX, I returned to work from a meeting and the front office receptionist said I had a missed a call from a woman who would not leave a message with her OR on my voicemail. She gave me a phone number : XXXX. I was on my way to another meeting so I couldnt get the full report of what was said, but the woman on the line refused to say where she was calling from and my receptionist implied that it was a debt collector which is embarrassing. Further, I don't owe any debts, so it must be inaccurate. My ID was stolen earlier in the year, and although I was able to recoup my losses from my bank, there are residual effects of my ID being available for all kinds of scams ; I assume this is from that. 

However, later today the woman called again to my direct line at work. She asked me to verify personal information and I refused because she would not tell me where she was calling from or why. She got increasingly aggressive. Ultimately, I told her that this was a business and if there is a personal or financial issue with me she can not reach me on a business line. About 10 minutes later she called again. 

It is extremely unprofessional for me to be placed in a situation where I could have a debt collector call my office multiple times a day. It is also not allowed after they have been told by an employer that employees can not receive these kinds of calls at work. Further, since she would not identify herself, it is unclear if this is a real claim of any kind or a scam. 

I looked up the number online, and it seems to belong to LTD Financial Services which has been sued before for bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Diversified Consultants, Inc.
State: NV

Complaint narrative:
I recent had a n alert on my credit file that I had a collection account for Diversified Consultants. This was for an old XXXX bill for an old address that was suppose to have been cancelled. XXXX failed to cancel the service in XX/XX/2017 when i requested due to my family and I moving out of state for work. 

I just received another promotion at work and will be moving again, so instead of arguing over the old bill, i paid it after being assured that this would be taken off of my credit reports. I made the payment about a week ago and was told it would take 4-5 for the account to be removed from collections. Well today the account updated as paid, so I contacted XXXX again in reference to the collection account they sent to Diversified Consultants. I was again assure that this would be removed from my credit reports if I called up Diversified Consultants directly. 

I called Diversified Consultants and the rep told me that they will not remove the collection account, they will only update it. So after some back and fourth, I am back at square one. I have paid a bill that i should not have, because I did not owe it, however wanted it off my credit reports so I paid it anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried reaching Experian but no one ever answers the phone. There are a few recent inquiries which were allowed that I didnt authorize. These include XXXX XXXX XXXX XXXX on XX/XX/2018 and a XXXX inquiry on XX/XX/2018 please remove these imquiries. Also XXXX I do not have a relationship with XXXX XXXX they have done soft and hard pulls I do not authorize them to look at my credit nor XXXX XXXX please update my file promptly and delete these inquiries

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 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To The official of Consumer financial protection Bureau From XXXX XXXX XXXX XXXX DOB-XXXX XX/XX/1992 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint on my consumer CITI BANK Hello Sir/Madam I was facing credit reporting issue with my bank from the month of XX/XX/XXXX. They are not updating my credit info to the credit bureaus in any of the 3 bureaus. 
( In the month of XX/XX/XXXX, I have 2 fraud transactions in my citi credit card ending with XXXX which I was using from 3 years. So, I requested the CITI BANK to replace my card for security reasons. So they replaced my card ending with. After replacing the card, my credit score was not updating so I raised a dispute with XXXX to update my credit score .So, they requested the Citi bank about my dispute. So, they removed my CITI account from all the credit bureaus which have 3 years of credit history. After removing my old account, they dint update my new card details with 3 years of credit history till now i.e XX/XX/XXXX to XX/XX/XXXX. This action ruined my whole credit history showing that there was no credit history on my name resulting in declining for my car loan, bike loan, house lease. Major issue was as whenever I apply for something connected to my credit score, all are rejected due to this act. 
I spoke to bank authorities in the last 5 months but no result on my account. I even raised disputes in credit dispute department. I got reply mails saying the my info was updated please give 30 days to reflect on my account. But it was never updated till today .I Hope you will understand my situation of staying in USA without credit score even though if you are maintaining credit score from 3 years. I cant even buy a CAR due to this action taken by CITI. 
I ATTACTHED ALL MY DOCS AS A PROOF OF MY ISSUE BEING ADDRESSED TO THE CITI BANK FOR ALMOST 10 TIMES.I ATTACHED COMPLAINT LETTERS TO PRESIDENT OFFICE, DISPUTE LETTERS, REPLY MAILS, MY CREDIT REPORT SHOWING MY ACCOUNTS. 
Please help me in this to get my score updates with compensation on behalf my 5 months loss. 
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 2018-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I wrote Equifax twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Equifax to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Equifax did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Equifax did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the XXXX XXXX XXXX XXXX inform Equifax that Equifax is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Equifax delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/18 I received a letter from XXXX XXXX XXXX XXXX   stating thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. On XX/XX/2018, we correctly reported your accounts high credit as {$3900.00}. Also, we have placed a disagreement code with a resolution dispute on your credit file to the major credit reporting agencies etc.There is no name, phone number, or extension to call anybody. I never disputed that the account 's highest credit was {$3900.00}. It shows on all my credit reports in XX/XX/2018 which I am going to upload. I don't understand what is going on with XXXX XXXX XXXX XXXX. First I get a call from a Resolution Specialist XXXX  ( spelling ) leaves me a message. I call her back and tell her she can call me back. She calls me back a few days later and let 's it ring twice and hangs up before I can answer my phone with no message. It appears that no one knows what's going on with my complaint going from customer service, to Account Specialist, to Supervisor who told me on XX/XX/18 when I disputed the {$1900.00} being wrong with XXXX that Capital One would not change all my credit bureau reports and my authorized user 's reports which is exactly what happened, to Resolution Specialist. Same date XX/XX/2018, received XX/XX/18, I receive another letter that XXXX XXXX XXXX XXXX XXXX is  going to change with the credit bureaus from {$1900.00} to {$1700.00}. I appreciate that you have gone through with the credit bureaus and changed amounts, but what you did was put the amount of {$520.00} on my credit reports instead of the {$1700.00}. I don't understand what's going on! So now that you have reported the {$520.00} to all credit bureaus and the card was used after that there was an increase in the amount to {$600.00} and change which is going to show an increase in my balance which is going to again affect my credit score/Fico Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX ( I believe ) has been calling my cell phone, ( XXXX ) XXXX for the past 2+ years for a XXXX XXXX . I don't know who this person is, repeatedly told the company this, and asked them to take me off their calling list, and I still get a phone call every few months. I've had this XXXX number for over 10 years and now live in XXXX. Because of this, they have woken me up at least once at near XXXX. 

I don't have a full list of incidents, but have a few voicemails from them for the few times I didn't answer my phone. They've called me at least 20 times within the past couple years. Here are the dates/times I was called, the phone number that called, and a brief description. All of these voicemails reference XXXX XXXX. 

XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Only asked for XXXX XXXX. XXXX call, no callback number. 
XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - This is the call I picked up today, with the person asking for XXXX XXXX once again. I just hung up as I've already asked them numerous times to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DCN Holdings Inc.
State: CA

Complaint narrative:
student attended a private school to obtain XXXX license. student loans were taken out to pay for her education. but school was shut down during enrollment. when a school shuts down student loans are allowed to be discharged and not made responsible to pay back. the loan servicer for these loans were contacted and paperwork for loan discharge can be filled out and submitted to process this. but a separate statement from " XXXX XXXX '' was a couple months back for an amount of around {$2000.00} and then another one received again but had jumped up to a different amount for about {$5000.00}. So if loans are not in default and are eligible for discharge what is this separate balance? this school was The XXXX XXXX XXXXs College and they shut down this year. The owner did file bankrupt so not sure if this is a way for him to collect money any way he can. But as far as the education attempted here and not completed the financial aid was to pay for that under Title IV funding. I have the NSLDS print out with the amounts and loans owed but are not in default at this moment in time and are eligible for discharge. This is also not the first case that has been heard of the school sending out these notices to previous student trying to collect money in amounts that don't match or add up. with further questioning and investigation they do stop asking for payment. So that is why this seems fishy and an investigation is needed on both the XXXX XXXX that sent out the notice and the former school The XXXX XXXX XXXX College. I have already contacted loan servicer, attorney general and consumer finance bureau and in submitting this i hope there is action taken given all facts and paperwork to support.this balance i should not be repsonsiible for as i have paperwork supporting what i owe and will be discharged and from the school have received nothing to support this supposed debt owed to them personally.

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 2018-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
I made an additional payment to principal on XX/XX/2018, to XXXX XXXX who was my loan servicer at the time. The payment initially had posted properly ; however, on XX/XX/XXXX, I noticed that XXXX XXXX had processed a reversal of my additional principal payment on XX/XX/2018, without notification or explanation to me. By this time, my loan had been transferred to Amerihome,  which I received notification of on XX/XX/XXXX. At the time of XX/XX/XXXX, my principal payment from XX/XX/XXXX had not been credited to me at all, despite the money being withdrawn from my checking account since XX/XX/XXXX. After several calls and elevating to the level of supervisor, my payment was finally posted on XX/XX/XXXX. However, I have contacted customer service several times since XX/XX/XXXX to have my payment properly backdated to XX/XX/XXXX when it was made and Amerihome refuses. I have supporting documentation from XXXX XXXX and my checking account to show that that payment was made on XX/XX/2018, and not XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: CO

Complaint narrative:
Company has called me and left a voicemail. As I was listening to this voicemail, I received a message from my mother stating they have tried to contact her as well on multiple different occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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:
I wrote Experian twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Experian to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Experian did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Experian did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the Consumer Finance Protection Bureau inform Experian that Experian is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Experian delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.

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