vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
The caller violated FCC regulations by " installing '' a voice mail when I have a unknown number human test in place to preventing access to voice mails without announcing their name to a machine. This process will show a missed number so XXXX  can block the unknown number. Unfortunately, they used an illegal tactic to bypass calling and leave a voice mail directly. I am considering to pursue a class action. This is the first of such a type attack I have gotten on my phone. These vultures need to be abolished from the earth. 

Machine translated speech : XXXX XXXX is the name of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CA

Complaint narrative:
Several months ago, my husband and I went to XXXX XXXX to purchase a set of dining chairs and a chandelier. It was a substantial purchase and the sales person suggested that we apply for a XXXX XXXX credit card ( offered through Comenity ) to receive a 10 % discount which will be reflected on the credit card statement. The sales agent ( her name is XXXX ), stated several times that she was so happy to help us SAVE so much money. At the time, I did not receive any disclosures - just a hand written paper with the XXXXXXXX XXXX/Comenity credit card number. I received the furniture approximately 30 days later and the first bill approximately 60 days later. When I looked at the credit card statement, I did not see the 10 % discount. I contacted XXXX at XXXX XXXX and inquired about the 10 % discount and at this point she stated that the 10 % discount will be provided in the form of Reward Points to be used to purchase additional XXXX XXXX product. I was very upset about this because it was not clear to me at the time - that a 10 % discount was provided in the form of reward points. When I specifically asked XXXX why did she stated that I was " saving so much money '' her response was that many customers complain about this and she agrees that their sales pitch is misleading. Further, she said that its a practice that she can not control and they are trained to state this " savings '' for signing up for the Comenity credit card by the store manager or " corporate ''. She highly suggested to me to make a formal complaint so that other consumers are not mislead. She said that she ca n't stop this practice but if enough people complain, she and other XXXX XXXX sales representatives will not be force to sale the credit card so hard to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: Credit Karma, LLC
State: FL

Complaint narrative:
Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
I am a XXXX XXXX working to repay my XXXX school loans via the Public Service Loan Forgiveness program. My DOE loan servicer, XXXX, doe n ot process my income updates each year for the REPAYE, income based repayment, timely. As a result, I am placed in forebarence each year for months, which prevents me from making a monthly payment towards my 120 payments needed. I have always filed months ahead of time, and each year it takes them 100+ days to process my request.
Also I was mislead about
which type of plan I shoudl be on. I have never missed a payment, yet I was never told that the payments for the first 18 months did not contribute towards PSLF. Those payments were 5-10x higher than my current IBR payments. I should get credit for these higher payments I already made towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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:
My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXXXX 2016, I discovered that XXXX XXXX XXXX STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Fraudulent Billing What a nightmare dealing with this company. We were lied to about services available to our home address. When the installer arrived he was honest enough to let us know he would not install because we would NOT have service at this address. 
We called XXXX immediately to inform them of the non installations and cancelled service. Since then we have been hounded by this bill collection agency. 
I call EVERY MONTH and get the same lies and promises that this issue has been resolved and indeed we do not own any monies to XXXX. Then 30 days later, we receive a letter from XXXX that the dispute of money owed has been denied by XXXX and the collection agency has placed our account into collection AGAIN. 
This has resulted in derogatory information on my credit bureau and I am fed up beyond belief. 
Ive filed complains with the FCC with NO RESPONSE at all. 
What does it take to get this company to be held responsible for their obvious SOP of bullying, flagrantly lying to the public and causing undue distress via derogatory credit bureau information?

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 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are unauthorized charges to my debit card in excess of {$300.00} posted on XXXX/XXXX/2017. I went through all the proper channels to resolve this dispute as it is Bank of America 's statement that a customer is never responsible for unauthorized charges made to their bank card. My claim was denied THREE times. They sped through a myriad of reasons on why they denied my claim that are all based on speculative " evidence. '' I felt like I was being treated like a criminal when I 'm the victim of fraud. One reason for denial was that the signature was similar to the one signed on the fraudulent purchase. The only problem is that on the back of all their cards, it clearly states that the card is not valid or authorized until signed. As a result, ANYBODY can glance at the back and forge a signature so that evidence just throws itself out the window. Another reason for denial was that I did n't report it in a speedy manner. This one makes me cringe. As per Bank of America 's directions, they advise to wait till the bogus transaction posts, contact the company FIRST AND THEN contact the bank if there is no resolution ; I did just that in a timely fashion. So again, this denial reason is ludicrous. This joke of an investigation is criminal and so are the practices of this bank. They have denied my claims before and are rarely, if ever, on my side. But this time, I 've had enough being stepped on and bullied. The so-called investigators have Bank of America 's interest in mind and are n't concerned to whether or not there is actual PROOF, their job is to deny claims and save and generate money for the bank in a bureaucratic fashion. This is a conflict of interest. The letter that this bank has send me with their " proof '' is all speculative. And speculation never trumps real evidence. I BEGGED for video or photo evidence and was told they do n't do that. We are talking about a stadium that holds over 55,000 people and there is n't one camera around? So anybody can abuse my card, forge my signature and I have to pay for it? If I ca n't trust my bank to back me up, then who will? This is truly disturbing. I need help to rectify this situation please. No one can or wants to help me!

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 monetary relief
Consumer complaint received 2017-09-06 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax changed my address on my credit report and I am not sure why. I filed four disputes to fix it and they continue to get it wrong! I spoke with a supervisor today, XXXX XXXX, 2017 and she asked me if I submitted documentation. I told her that I submitted a copy of my drivers license twice, yet they continue to get my address wrong. I also explained to her that DMV has my zip code incorrect on my license. She proceeded to tell me that she had to go by what was on my license. I told her that I want my address to reflect what it has been for the last 8 years since I purchased my home because my address has not changed. I asked her to go by the address that has been on my credit report for years. I am very frustrated because I would not have to go thru all of this if they did not change my address in the first place. I am just trying to get it back to what it is was and is supposed to be. Well the supervisor told me that she had to use my zip code on my license so I asked to speak to her supervisor or someone higher than her. She transferred me to another supervisor instead. Her name is XXXX, ID number XXXX. I asked XXXX if she was the previous supervisors supervisor, or if she was just another supervisor like the previous rep. She told me she was a supervisor just like the previous one. After going back and forth with XXXX, she proceeded to tell me that they have a XXXX XXXX address for me as my current address. I told her I have not lived there in 20 years and that she was incorrect. I told her that was probably showing because the previous rep deleted my current address when she was in the process of changing it until I asked to speak to her supervisor. She tried to tell me that one of my creditors updated my address to that and I told her she was wrong. None of my creditors ever even had that address because it was from so long ago. My creditors are recent creditors. She tried to argue back and forth with me regarding this. I explained to her that even my dispute letters have my current address on them but with some wrong information so they did not have XXXX XXXX as a current address, otherwise that would be on my dispute letters. She proceeded to update my address to my current address but with the incorrect zip code. I have copies of all of the disputes. It is disgusting that a company operates like this when they are charge of something so important as consumer credit reports. What else do they have wrong? Everyone that I spoke with had a strong accent and were difficult to understand at times. It seems like this company is operating out of a foreign country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: NV

Complaint narrative:
Last XX/XX/XXXXeye opened checking and saving account per directives by XXXX XXXX of XXXX XXXX ca in response to his offer that eye accept business opportunity as mystery shopper and then XXXX XXXX brought to my door repeatedly postal money orders for deposit and withdrawal to send money by money gram. eventually US bank of XXXX started saying that the deposited money orders were fictitious and now they have closed my accounts and say that eye owe them over four thousand dollars. Eye have contacted both the CIA and the FBI besides the inspector general about the matter and have had no response. The money orders have not returned to me, just copies had been mailed. 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 2017-09-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is zero. XXXX has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX balance and has not provided that information to the credit reporting agencies. XXXX XXXX at XXXX will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the 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 non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — I do not know
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: NRA Group, LLC
State: NY

Complaint narrative:
I have received repeated calls from National Recovery Agency ( XXXX ) which I normally dont pick up the call but today ( XX/XX/17 ).  The female caller wanted me to verify my SSN and date of birth. I asked the caller to inform which vendor she was calling on behalf of. She refused and demanded that I verify my SSN and DOB which I refused in case this was an attempt to steal my identity. I asked the caller to please let me know what bill she was trying to collect and maybe we can resolve the issue. The caller refused and threatened me with jail if I didnt verify my SSN.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX left me without running hot water for 8 days. As recourse I withheld the rent for 8 days as per California Renters Rights. I had XXXX service the hot water heater that should have been replaced. XXXX reported it unrepairable and shut it off to be replaced. Its passed the statue of limitations and I already disputed and won with XXXX XXXX XXXX XXXX. Credit Bureaus Associates contacted my employer under false representation using false statements. They informed HR of this debt not owed. The caller Id showed XXXX XXXX rather than CBA. The rep was rude, harassed me and would not allow me to speak. I was never asked to be recorded nor was a pre recorded disclosure played. Call made X/X/17 at approx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute along with identification and original police report documents for myself and my sister who was a victim at the time as well. This dispute was sent via mail to XXXX, XXXX and Equifax reporting services, according to the Fcra section 605B, all information that is a result from a case of id theft will be blocked in 4 business days, until the day of this report we have not heard back any response of the status. I would like the situation resolved by unauthorized info being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: NV

Complaint narrative:
My credit report for both Transunion and XXXX are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XXXX. I paid off the credit card on XXXX XXXX and its still showing a high balance reported in 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 2017-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I fell on hard times and took out a small pay day loan to help with bills through Ace Cash Express. I unfortunately was not able to pay the loan off and have since been in the process for filing for bankruptcy. I have received numerous harassing phone calls in the past and at that time had my lawyer reach out to them on my behalf. I received a phone call today from a blocked phone number stating that I have a court date that I must attend for a lawsuit and to contact a mediator for further assistance. Upon doing that I spoke with a representative that informed that ACE is suing me for writing a bad check? She said that she talked down the price with Ace to half the cost with it being due immediately or they can try to garnish wages etc. I am not 100 % sure if this is a scare tactic as I feel uneasy just giving out my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: Colony Brands, Inc.
State: NY

Complaint narrative:
XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from home visions saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX report and XXXX XXXX on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX  and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
After two years of being in Court and asking this bank to give me a modification they are simply not budging. I live in the property with my XXXX young kids. I work two jobs to provide my kids. The bank wants me to pay {$5400.00} every month which can go on forever. How can a bank ask you to pay that much knowing I have to raise my kids on my own and survive and pay for food and utilities. I am not getting child support from my ex-husband, He caused this mess but I have been trying to fix this. 

I do n't think XXXX XXXX XXXX is showing good faith knowing I paid them from XX/XX/XXXX to XX/XX/XXXX {$5300.00} each month for a total of {$21000.00} my savings. So what am I suppose to do now. I have depleted my savings. I can pay a mortgage payment of XXXX but not XXXX. 

I am asking for some help to reason with this bank. You reached out to them last and asked them t resolve it but there resolution is giving me the same repayment plan of {$5300.00}. I am having a hard time understanding why nothing is being done to stop this bank from asking a single mom to pay so much to foreclose on her home in a few months. 

I 've done my part and proven to them I can do this. 

Thank you.

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