vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

Company name : XXXX XXXX XXXX, a division of XXXX, XXXX XXXX XXXX XXXX XXXX, FL 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 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Credit Corporation
State: NJ

Complaint narrative:
The company responded to the CFPB ( Consumer Financial Protection Bureau ) through complaint number XXXX with a letter dated XX/XX/, 2019, after the long scripted letter, they claim to have identified an " isolated process issue ''. It is claimed that they credited the closed account the {$2.00} overcharge mistake in which they made. Three days later this never happened. In fact, it is unbelievable that someone has to jump through so many hoops to have this shady company fix a rather minor issue. I invite the CFPB to do an audit, as I am most sure that I am not the only individual that this happens to, obviously, this shady company is banking on the notion that customers won't take the time or effort to fix the errors in which they make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company
State: IL

Complaint narrative:
Last year I cancelled my XXXX and they continued to bill me for months. In addition they would not even except their equipment back for a time. 
In the summer, bill collectors began calling me, asking for hundreds of dollars. 
I owe them {$50.00}. 
They are asking for a {$120.00} and placed me in collections on XX/XX/XXXX. 
The account was opened XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I disputed a collection letter from eastern account systems representing XXXX XXXX. I did not receive a formal response to my dispute.

I had internet/ phone service with XXXX from approximately XX/XX/XXXX to XX/XX/XXXX. I NEVER received an accurate monthly bill having been required to call each and every month I had service to dispute the charges. Some months the bills were adjusted, some months they werent.

At the end of my service, I was asked to return there equipment in postage paid boxes which I did. I was billed for that also. All this information was provided to eastern credit which they apparently ignored? I have copies of all my bills with dates, names and resolution each time I called. No one has asked for any of this information! 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of XXXX I got a personal loan from BBVA Compass bank and the first payment was due on XX/XX/XXXX so i set up online with my bank XXXX Bank to pay it online, in setting up the online information, I mistakenly put my checking account number at BBVA Compass Bank as my loan number so when I submitted the payment on XX/XX/XXXX for {$470.00} for the loan I received a letter from BBVA collections saying they did not get the payment so i need to send them proof of payment. I went ahead and made another payment to avoid being late which was later reversed by them after telling me they have received the funds on a call from XXXX bank in my presence with a banker. Since XX/XX/XXXX I have sent them five proof of payments and even printed a statement showing the funds taken out of my XXXX account with my pre and post balances. I was even talking to a local Banker of XXXX by name XXXX XXXX in the XXXX Texas branch, even went there four times and as of last Tuesday XX/XX/XXXX BBVA said they did not get the money and have been harassing me with phone calls at work and odd times at home but I have continued to pay them ontime and they have been putting fees on the payments. I need help please in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
From about XXXX to XXXX Discover bank tranfered money from my other charge cards adn from their charge card to a fake discover card that they or someone ueing their sites> I called them evry month NO help I stop paying these illegal tranferes in XXXX. The amout that they took from me is over {$30000.00}!!!! 
I recieved a Tax form XXXX on XX/XX/XXXX stating that theycancelled a dept of {$6200.00}! That was money on the {$10000.00} that the took from my charge card that I had with them minus the money I payed them brfore I stop payment due to them illgelly taking money from my other charge cards and MY BANK!!!! 
They did take me to courtin XXXX. And they droped the case when I proved that the took money illegally from me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I had no difficulty putting a 'freeze ' on my credit reports with XXXX or XXXX . On the other hand, Experian required that I answer more questions and provide more information ( that I entered 3 separate times ) and then denied completing my online request saying, " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' They said I must instead send copies of ID by mail as well as all of my personal information. They provided a telephone number for customer service and implied this was another option for identity verification ( as it was with one of the other two companies ). After requiring me to provide much of the same personal information ( computer, not a person ) on the phone they said they would only accept mailed information, repeating a long list of what they would require and then just hung up. There was no option to speak with a customer representative. 

It appeared that Experian really had no option to complete the security freeze online even though they presented this as a routine option on their website.

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 2019-02-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a letter from TIAA Bank stating that my 5 year CD would be set to mature after 1 year on XX/XX/XXXX. I am not agreeing to this unless I can get TIAA Bank to guarantee in writing that they will not charge me any kind of early withdrawal penalties or guarantee that they will not change my interest rate to that of a 1 year CD or add any additional fees at the closing of the account. My online bank access shows that the CD will mature on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: PR

Complaint narrative:
Our account XXXX was paid in full. 

Enclosed evidence.

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 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Credit and Collections Inc.
State: TX

Complaint narrative:
Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 
Company name : United Credit and Collections XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: IA

Complaint narrative:
I first contacted Equifax on or about XX/XX/2018 about an incorrect address on my credit report that caused incorrect information being sent out about me. I later determined that Equifax had me and my daughter mixed up. This caused my daughter 's information to be associated with my social security number. In the weeks that followed they refused to change anything because they claimed to have credit information from a local bank to prove what they had was correct. They would not show me that information but I determined it came from me co-signing for a loan for my daughter. They have made a mistake and will not correct it. Also they will not send me a copy of the credit report they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX ( through XXXX XXXX XXXX ) offers promotional 0 % interest on certain purchases. I opened a new account and made a purchase for {$4900.00} on XX/XX/XXXX. They market this as 0 % interest for 12 months. I made additional non-promotional purchases during the same billing cycle for {$860.00} and retuned {$140.00} for a net balance on those non-promotional purchases of {$720.00}. On the first statement due date of XX/XX/XXXX I paid {$750.00}, but was charged interest. 

I spoke with XXXX on XX/XX/XXXX and they indicated that {$170.00} of my payment was applied to the promotional balance, leaving an outstanding balance of {$150.00} on the interest bearing non-promotional purchases. 

Within the promotional fine print there is a disclosure that a minimum principal payment will be applied each payment cycle, but nowhere on the statement does it disclose the amount that will be applied to the promotional balance, so there is no way to know how much you need to pay to cover both non-promotional purchases and the minimum principal payment due on the promotional purchases unless you call them in order to avoid paying interest on any non-promotional purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my free credit report and there is a credit card ( XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ) that shows a {$5000.00} balance as of XX/XX/2018 ( from {$130.00} ). I have no recollection of ever making such a huge charge, ever receiving any billing statements showing these charges.

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 2019-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent letters to the company requesting them to send proof of my original contract bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
I checked my credit report and saw i had a collection with XXXX XXXX, i reached out to this company multiple times through the mail to be clear on this alleged debt. They refuse to valdate it, i would like to see a copy of the original contract for credit with my wet signature, and looking at the rates of this loan, they are 20 %!!!!! That is predatory lending!!!!! Please reach out to this company, i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX : I am repeatedly being denied rental housing based on my low credit scores and credit reports. While my scores and reports are reflective of financial trouble experienced in the past and including a divorce, it does not reflect in any way my ability to or inability to pay rent nor my rental payment history. 

I have been paying my rent ( and in fact nearly double that which I am currently applying for ) on time each month for the past five years. Yet it is not reported to or by credit reporting agencies and therefore, landlords do not consider this. In rental markets of high demand, such as XXXX California, prospective tenants are vetted and rejected based solely on their credit score. 

If a credit report and score provided by a credit reporting agency does not include rental payment reporting and history, landlords should be barred from using this information as a basis to deny housing. Landlords are not banks and they should not be entitled to strictly lender derived information as a reason approving or denying housing. 

I am also pursuing this matter with my congressional representative and senator. This is something I feel very passionate about for myself and countless others who have been denied housing based on their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XX/XX/2017. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( 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 2019-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have been trying to make payments to Ocwen loan for the remaining balance on my mortgage which was due to end on XX/XX/2018. I had XXXX left to pay. Then Ocwen stayed that they would only take full payment toward the entire balance and they keep adding more on until it got to XXXX Every time I call I get switched overseas and I can barely hear on the line because it is so crackly. They refuse to take partial payments. I have the {$1200.00} to pay for the original amount but in money orders but they sentnit back to me because they now want a bank wire for {$3200.00}. But if I send it today they will take XXXX. But only by bank wire. Please help me. I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Platinum Holdings Group, LLC
State: AZ

Complaint narrative:
On XX/XX/2019 I received several calls at work and to my cell phone from someone stating the doll listen very carefully this call Is to the resident to attempt will be made to deliver a certified summons to ( last name ) for  further information contact the issuing attorneys office handling the matter immediately at XXXX This was left on my cell phone and my office phone. The receptionist at my job also told me that this person needed to give me an official summons, he told my job. Not cool. Then made several attempts to call the receptionist to reach me again. I called the number and began to ask questions of why I was being sued, who was or what this was all about. He stated because I owe a company XXXX. He began to insult me and call me XXXX  for not knowing there was interest on the fees. Using words like XXXX and XXXX  youre a XXXX XXXX how XXXX  I was and know wonder why I joined the XXXX and lost us the war. Insult after insult and laughed at me. After asking how can I fix this and if I can make payments he began to say that he was going to record me as not willing to pay and being uncooperative and then proceeded to hang hang up on me. After researching this, between insults he did give me info. I found out that XXXX XXXX XXXX  is behind this. The number in my voicemail is saying they are a law firm. When I call XXXX They answer the with the name of some law firm. However the person in charge of my account wouldnt not repeat the name to allow me to write it down. I tried to reach someone else and they defended the behavior of this guy insulting me and deemed it okay to threaten with suing me because I couldnt afford XXXX dollars. I do not owe this money and they are trying to get more from me than what is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: GA

Complaint narrative:
I checked my credit report and saw i had a collection with XXXX XXXX, i reached out to this company multiple times through the mail to be clear on this alleged debt. They refuse to valdate it, i would like to see a copy of the original contract for credit with my wet signature, and looking at the rates of this loan, they are 20 %!!!!! That is predatory lending!!!!! Please reach out to this company, i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I sent letters to the company requesting them to send proof of my original contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: NY

Complaint narrative:
For the last few months I have been in correspondence with the bureaus to discuss errors on an account that is being reported on my credit report. I have been assured that the account is reporting accurately ( in writing ) and this account meets FCRA requirements.. however I have been investing too much time asking them to look into this account and it's costing me money sending correspondence ( which I would like to reimbursement for ). I am escalating this matter to put this to an end an come to a resolution of removing this account from my credit report. I will be circling my findings for easy viewing and expect the hear back at my address listed. Also send me a new credit report showing deleted items.

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