vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I have had a collection placed on my credit report that I have never been contacted about and have no knowledge of. I've requested written proof of the debt and have received nothing or any explanation of how any debt was incurred. I've disputed with credit bureaus one of which has already removed. XXXX   however has not removed the false information with no reasonable explanation. details include : COMMONWEALTH FINANCIAL SYSTEMS XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount Contact Info ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, PA XXXX They are required by law to provide written proof of said debt. They won't provide any information and simply ask for money that I do not owe.. This account is stated to be from emergency room doctors I HAVE NOT BEEN IN AN EMERGENCY ROOM IN MORE THAN 10 YEARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: EQUIFAX, INC.
State: IA

Complaint narrative:
In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XX/XX/XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: IA

Complaint narrative:
In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XX/XX/XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM.

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 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WI

Complaint narrative:
I have disputed all of account from Americollect to verify my debt. However instead of the agency verifying the amount owed they sent me copies of my medical records. I did not sign a HIPAA release for them to even have access yo my records this has violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: NJ

Complaint narrative:
I sent 3 letters asking to verify erroneous accounts. One in XX/XX/2019, XX/XX/XXXX and again XX/XX/2019 I requested a copy of paperwork Transunion viewed and what the bureau had on file to confirm the validity of investigation.As my right according to section 609 ( 1 ) a of the FCRA. Never received anything close to what I asked for. Those erroneous.and unconfirmed accounts should be deleted for not complying with my legal request.

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 2019-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello, I had a second mortgage with Discover and sold the property. The second had a pre-payment penalty before making 12 payments starting XX/XX/XXXX. The property was sold in XX/XX/XXXX.

I recieved a mortgage statement for XX/XX/XXXX that clearly states no pre-payment penalty on the statement.

I was charged a {$480.00} pre-payment penalty. I called discover and they told me that if I was refinancing I would not have a penalty. But selling the property I do have penalty.??? My paperwork says no pre-payment penalty after 12 months of payments. Which I did make. This is rubbish trying to pass the buck based on tricky language. Either you have a pre-payment penalty or you do not. I did as my paperwork said, and reflected on my most recent statement. Please send payment to me accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please 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 non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XX/XX/2019 Citi Aadvantage Platinum Master Card statement had fees totaling {$3900.00}. I paid {$3500.00}. There was a balance of {$490.00}. On the XX/XX/2019 statement, I was charged {$100.00} interest on {$4600.00} ( D ) at 25.49 % ( V ). There is no justification for charging me {$100.00} on {$4600.00}, when the carryover was only {$490.00}. 

The XX/XX/2019 balance was {$2500.00}. That included {$490.00} carryover and {$1900.00} in new charges ( which weren't yet due ). The total amount due on XX/XX/2019 in terms of charges and carryover was {$2400.00}. The amount that I should have paid interest on was {$490.00}. {$1900.00} were charges that weren't yet due and should not have been charged interest. 

At no time during the billing cycle did the average daily balance exceed {$2400.00}. And yet, the bank charged interest on a balance of {$4600.00}. 

When I called to dispute the charge, I was transferred three times around the world to customer service agents who refused to allow me to speak with a supervisor or billing specialist. It took me one hour, 27 minutes and 31 seconds of speaking to three different customer service representatives, who refused to give me their last name or employee ID numbers and refused to involved a specialist or a supervisor, who repeatedly tried to tell me that the calculation was accurate. 

The statements made by the customer service representatives were false. They lied repeatedly and consistently. The proof of the error is in Citi 's own bank statements. This kind of usury and predatory behavior is surely not legal. I'm sure that this is standard treatment at this bank, and likely at all banks and credit card operators. I'm sure that your service has had massive complaints about this. Will you help to stop this behavior? Clearly, I want my account credited and the interest to be fair and accurate. But I also want to stop this predatory behavior.

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 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
A delinquency notice ( attachment A ) was recieved on XX/XX/2019 indicating the payment due on XX/XX/2019 remained unpayed to J.G. Wentworth Home Lending. This loan was transfered to XXXX XXXX XXXX XXXX on XX/XX/2019 ( see attachment B ) with an effective date of XX/XX/2019 ( see attachment C ). A letter from J.G. Wentworth notifying us ( XXXX XXXX XXXX & XXXX XXXX XXXX ) of the transfer was never recieved, but during a call made to J.G. Wentworth 's Customer Support Center on XX/XX/2019 at approximately XXXX EST the customer service representative confirmed that XXXX XXXX XXXX XXXX appears as the loan servicer. 

In addition, there has been a failure to provide accurate information during the transfer of the loan. The outstanding principal ammount reported to XXXX XXXX XXXX XXXX was {$280000.00} ( attachment D ). This ammount is incorrect. Before transferring the loan the outstanding balance at J.G. Wentworth Home Lending was {$280000.00} ( attachment E ). The missing ammount is the additional principal payment of {$540.00} made on XX/XX/2019 which was not reported to XXXX XXXX XXXX XXXX and therefore not reflected in their outstanding principal balance.

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 2019-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Just got promotional material from mail and online account from Chase bank Which I endup signup for checking and saving account as they instructed. 

After initial fund transfer to Chase saving account, a rep from chase called me and verified all the details and amount I am transferring to new chase saving account. 

also setup direct deposit to saving account from my employer which they sent last friday ( XX/XX/2019 ). 

I checked my account no fund available any of it. They took out money from my XXXX  XXXX XXXX account but never showed up in my saving account. 

my employer sent direct deposit to my saving account, never showed up. 

I called Chase today and they said I have to go to one of their branch which I don't have/ got to drive 45 min..now they are refuse to return all the money they hold and not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and Comenity bank and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
I received a debt collection letter from One Advantage , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( phone # XXXX ) with my name but a different person 's name in the Account Name field. It says that the Creditor is XXXX XXXX XXXX ( M ) and that it's for a date of service of XX/XX/XXXX for {$110.00}. We don't live in Missouri or do business in Missouri. It states nothing of what the debt is for and states that I have been placed in collections. I tried calling within their regular business hours immediately upon my receipt of the notice in the mail ( XX/XX/XXXX ) and I was placed on hold with a voice recording that promised to connect me with a person ( the voice recording was in both English and XXXX  ) and then after waiting it automatically switched me to an answering service stating to leave a message. This sounds like an illegitimate business. The message I left on their voice recording is that I was calling to report fraud. When I looked up One Advantage with the XXXX  there were numerous complaints and it said that it's not an accredited business and that it has only been around for 5 years. It also seems predatory because the XXXX  lists One Advantage , LLC with a Florida address for the business and not the Indiana address on my letter. The fact that I haven't received ANYTHING in the mail prior to this from XXXX of Missouri makes me suspicious. Any company is going to try to bill their own debt first before sending it to a collections company. I have not received any bills and have no idea what this debt is for or if it's even legitimate. The information is vague and I feel like it's a scam since the date of service listed is from 3+ years ago and I have no knowledge of what this is. I open and deal with all of the mail for our household and would have seen a bill and addressed it 3 years ago. The letter that I received from One Advantage , LLC on XX/XX/XXXX states that I have 30 days from the date of the letter ( XX/XX/XXXX ) to dispute the charges. I tried calling to do this on XX/XX/XXXX and I am going to mail a letter. My concern is that I can't send a certified letter to a PO Box . So how do I certify that they actually get my written dispute letter within the 30 day window that they require. There is no place to dispute this claim online with the company. In fact, the company web address has another mailing address listed as One Advantage , LLC, XXXX XXXX XXXX, XXXX, IL XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MRS BPO, LLC
State: VA

Complaint narrative:
I attended the XXXX  XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. 

It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. 

After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. 

This debt, that I assume XXXX  XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: American Elite Recovery, LLC
State: NJ

Complaint narrative:
I was contacted by American Elite Recovery around XX/XX/2019. They informed me that I had a {$500.00} debt to a XXXX, payday loan company that was outstanding.

I told them I was unaware of this.

I agreed to pay {$75.00} via my debit card over the phone that day. Then setup payment arrangements for {$150.00} approx over 2 more payments until the amount was satisfied in full.

I called them back to ask for some verification of the debt. When I did they got nasty with me.

They would not give me their address to request in writing proof of the debt or any notification.

They told me if I do not pay this debt of a remaining {$420.00} that they would send a police officer to my house and I would be arrested and go to jail. 

When I simply asked for some verification of this debt and the company, American Elite Recovery, they told me that my " wishes would be granted and they would now see me in court and I would spend XXXX in jail and I would not see my Son for XXXX because I will be in jail ''. 

I find this strange over a {$420.00} debt being owed. I have never received any notifications in the mail. Or via any sort of proof of owing this debt.

There are NO phone numbers to contact timelypayday.com I have looked all over the internet trying to find a contact number for this supposed " original creditor '' This needs to be resolved somehow please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief