vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
1.XXXX XXXX lied about rate 2.final bill was in dispute w 1st collect agency for 8 months 3.results were to send charges back to XXXX XXXX 4.when i call XXXX back for 2 months reps claimed no knowledge and that i would receive info in mail to be patient 5. 1 year later i receive letter not from XXXX XXXX  but from new collection agency SAS, LLC 6.Called immedietly made payment 7. CURRENT SAS, LLC COLLECTIONS REFUSES TO REMOVE COLLECTION WRONGFULLY REPORTED FOR FINAL BILL I PAID FOR AND STAYED ON TOP OF FOR OVER 1 YEAR.

I CURRENTLY HOLD 17 ACCOUNTS OPEN ALL IN GOOD STANDING AND 100 % PAYMENT HISTORY FOR OVER 6 YEARS. I KNOW THE IMPORTANCE OF MAKING PAYMENTD ON TIME. SO I ASK THAT U LOOK INTO MY MATTER SO I COULD HAVE THIS WRONG REPOTING TO MY CREDIT REMOVED. THANK U. 



XXXX XXXX LIED ABOUT THERE OFFER TO ME. 
I had decided to use XXXX XXXX for my cable tv needs. i was offered XXXX a month w more channels that i had w XXXX XXXX. also no activation, free XXXX XXXX, free movie channels and all sounded good. at first i was exited that i was getting a good rate so for the first 3 months i recieved no bills in the mail, turns out that when they asked me to give them a XXXX dollar DEPOSIT from my credit card it was to show that i was being serious about the service. come to find out out through my bank account they had really set me up w automatic withdraw from my account witch i never authorized. i called immidetly and had charges adjusted and for months i continued to call back and get adjustments. till the 1st year of our 2 year contract witch by the way i also didnt know about came about. after the 1st year was over rates tripple witch at that point i made the dicision to cancel the service. I continued to dispute the charges and was referred to a collection agency witch said they would put my account in investigastion. after 6 months collection agency said accoun t was sent back to XXXX XXXX. i called XXXX XXXX and asked for info on the aACCOUNT. THEY WERE unable to pro-vide me w any info and that i would recieve something in the mail.i waited and waited till today i recieved a letter froma new collection agency asking me to pay full balance and making aware that it was wrongfully notified to my credit witch i take good care of. i paid them there balance immidetly and asked them to remove it ferom my credit and they refude to remove so that why im filing my complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
Harvard Collections opened onXX/XX/2018 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not know about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried repeatedly to have Equifax update my personal information as well update my creditor account information. Equifax has continually refused to do this. They insist that they have the information that is being reported by my creditors. I have informed them that they do not have the correct information and that I know my creditors have sent updated information. The information they are reporting is 7 months old, well past the 90 days it should take them to update information from lenders. They are still showing two accounts, which my name is no longer associated with, as being open and they are showing an incorrect balance on a third account. In addition, I have asked them to update my new legal name to match the name on my social security card, drivers license, and credit cards. Again Equifax is refusing to do this claiming that they can't prove my identity when I have answered every question they have asked. I'm sure had they updated my information from the lenders at some point in the past 7 months they would have discovered that my lenders have the new legal name already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 2 Late Payment in XX/XX/2016!

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 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: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet is continue to put false information on my credit report. They say they have a promise note that I am sign for. I am questing that Nelnet pick one day out of month of XXXX, and we meet in XXXX and have expert look at promise note and I will be able that it counterfeit promissory note. I think it wrong for Nelnet to try against of XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenderfi, Inc.
State: TX

Complaint narrative:
I started out wanting to refinance my home with a cash out refi. I found LenderFi online through XXXX. Initial estimates from the company ( XX/XX/2018 ) said that I could get a 4.5 % interest rate on a 15 year mortgage, and we estimated our home to be worth about {$230000.00} based on county tax records. 

My first red flag was when they told me my credit score was 30ish points lower than any other site was telling me. They told me that was normal, and they tend to fluctuate. Ok, I can buy that ... who understands how those scores are generated anyways. 

The second red flag was when the appraisal ( XX/XX/2018 ) came back with a value of {$190000.00}. The Appraiser, from XXXX XXXX XXXX, did not count all the square footage of my above-grade GLA. I brought this to the lenders attention XX/XX/2018 via email. 

The third red flag was when the closing disclosure document had an interest rate of 5.25 % ( XX/XX/2018 ). I was then further pressured to sign the document so that they could proceed with processing. I am not about to sign a document with numbers on that I don't agree with or understand. I'm not THAT stupid. 

( XX/XX/2018 ) I called and spoke with the lender rep, who was very kind and understanding, and explained that because the home didn't appraise for more, they had to charge me more interest. I then asked him to please ask the appraiser why he didn't include my entire GLA on his appraisal report as this seems to be the root of problem. He said he would look into it and get back with me. 

My husband and I have tried to call the lender and I have tried to email them several times and I have not heard back from the lender since. During our final conversation I stated that I either wanted a fair appraisal, or my money back for the appraisal so that we could go to someone more competent for a fair appraisal. 

I am out {$500.00} ( appraisal fee ) and am now starting the process over with my trusted XXXX XXXX Rep with whom I have a long-term relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Benjamin Chaise & Associates
State: GA

Complaint narrative:
Company continually calls me trying to collect a debt I don't owe. Told them that if they felt I owed the money to take me to court, This last time I spoke to a gentleman that said his name was XXXX XXXX with Benjamin Chaise and Associates, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. I was very clear to ask not to call me again about this debt and he has called me again. I told him that I would report his calls to the appropriate authorities and now I am. The first time I spoke to him he was very rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I have gotten into a financial mess, I admit that. Too many loans to handle. I contacted XXXX XXXX XXXX and I am trying to manage this problem. They sent out a communication to all the lenders with whom I have accounts. These were sent electronically so they were received immediately. This was notice that I was revoking ACH authorization. This was on XX/XX/2018. On XX/XX/2018, EMoney USA proceeded to withdraw a payment from my account anyway. Fortunately it did not overdraw my account and my bank returned the payment with a stop payment order. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Utah System of Higher Education
State: UT

Complaint narrative:
My student loan was in forbearance with UHEAA while my ex-wife went through Chapter XXXX bankruptcy. She closed her file in XX/XX/2018. 
On XX/XX/2018 I got notification of a payment due by XX/XX/2018. 
UHEAA reported to all creditors today that the account is 120 days past due, causing my credit score to significantly drop. Not sure how this can be 120 days past due when I didn't even get notice of a payment due until yesterday, and the due date is still 10 days away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I recently reviewed my XXXX  consumer credit report and discover a company calling itself Portfolio Recovery reporting a negative account on my report. I have no knowledge of doing business or signing a contract with Portfolio Recovery. This willful and negligence action is causing harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: London & London
State: CT

Complaint narrative:
London and London in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted XXXX XXXX numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To : CFPB From : XXXX XXXX Re : Application for credit card & mistreatment from the XXXX, XXXX XXXX, XXXX office Application : # hidden To whom it may concern : Hello, my name is XXXX and I am an applicant for an American Express Platinum card. 

I was referred to American Express by a longtime user and client, my mother. 

Since then, the process has been miserable and rife with confusion, misrepresentation and blatant harassment. 

As part of my application, American Express requested additional documentation. That is no problem. That said, I use an online only bank called Simple. They do not have branches. There are no direct lines to speak to my banker. This antiquated way of thinking has led to Amex employees talking down to me and my husband essentially alluding to the fact that we may not be a worthy customer because we dont use a real bank like XXXX. 

We have complied with all requests from American Express. The last part of the process is that they want to speak to a banker at XXXX. Also, fine. According to bank supervisor XXXX from a conversation on XX/XX/XXXX, he just needed to speak to someone that would confirm the signor of the letter worked for simple. 

Today on XX/XX/XXXX, that was completed. Then, supervisor XXXX from the same Amex office said that was not good enough and he needed to speak to the actual signer of the letter. That would be like finding a needle in a haystack. These are employee bankers that take calls from a call que and handle calls as they come in. They do not have direct lines. 

The banker even offered to call Amex. That was also not acceptable to XXXX or XXXX. Their expectation is that they can call someone directly, but are unwilling to let XXXX call them. This is a classic case of not even allowing a possibility of moving forward with Amex which feels very much like a discriminatory practice targeted specifically at me. 

In the effort to reduce fraud they have marginalized a potential customer that was referred by her mother and misrepresented your process to me continually in a sexist and classist way that is beyond offensive. 

It is unacceptable to not provide a path forward to a customer, provide solutions, and then walk back from those solutions. I have now spent nearly 10 hours and many days of frustration with American Express. It is confounding and deeply disappointing. 

Please help me CFPB! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
On XX/XX/17 Alpine Credit charged my credit card for {$1800.00} confirmation number XXXX. Speaking to XXXX, the authorization to charge the card was based upon their agreement to make an exception to their standard policy and delete the record based upon my address changes that my non-receipt of any prior notices. 

On XX/XX/17 I sent a letter demanding proof that they were authorized and/or contracted to collect the alleged debt and for documentation. No response received. 

I have made two additional calls to Alpine and asked on the status for the deletion, and was told that they do not do that. I advised them of the conversation with XXXX on XX/XX/17 and was told that there was nothing they would do. 

I did not authorize my card to be charged without the aforementioned deletion and would under no circumstances have provided that information to them. 

Furthermore I believe they have multiple FCRA violations on every contact with them, they have never identified that they are a debt collector and that any information they collect may be used. Per the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My student loan was in forbearance with XXXX while my ex-wife went through Chapter XXXX bankruptcy. She closed her file in XX/XX/2018. 
On XX/XX/2018 I got notification of a payment due by XX/XX/2018. 
XXXX reported to all creditors today that the account is 120 days past due, causing my credit score to significantly drop. Not sure how this can be 120 days past due when I didn't even get notice of a payment due until yesterday, and the due date is still 10 days away.

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 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: CA

Complaint narrative:
XX/XX/2018, XXXX for debt collection. The company is trying to collect debit that was resolved and they refused to send new bill as the bill should be XXXX. 
They practice illegal collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Collection Management Services, Inc.
State: CA

Complaint narrative:
To whom it may concern : On XX/XX/2017 I visited XXXX XXXX XXXX in the City of XXXX, CA prior to being a resident here. After being completely forthright about my income status ( 100 % XXXX XXXX XXXX XXXX ) we had a mutual agreement to stretch- out the payments over a reasonable period of time, with wiggle room for fluctuations in my income. At such time we agreed to begin the process of XXXX XXXX XXXX care. 

I do recall that there were some inconsistencies with should be the first line of attack, and what should be prioritized? After 3-4 visits with the XXXX, the area in which I was being treated became more and more uncomfortable/painful ... .an outcome that I did not expect ( and this was one of several times in my life that I have had minor to major visits to the XXXX 's office. Without becoming verbose, my experience from a communication standpoint, as well as services rendered was far short of stellar. 

Since there was an outstanding balance after my last visit, I attempted to contact their office, via the telephone, as well as a certified letter in writing, all to no avail. 

The bottom line : I received ( just suffered from a " XXXX XXXX '' a couple of weeks or so ago ) poor service, and a non-communicative billing staff, who without notice sent my account to : COLLECTION MANAGEMENT SERVICES whose address ( to the best of my ability to determine as they have several listings/derivatives of their corporate name is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Lastly, I have never received a phone call nor any letter ( s ) from this collection agency. 

Thank you in advance for your consideration. 


Sincerely, XXXX 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 2018-08-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a letter from XXXX XXXX about a Care Credit account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid Synchrony about {$60.00} on this account this month. Synchrony never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. Synchrony has all this negative information reflected on my credit reports. I need this resolved right away.

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 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted Capital One numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.

Company response to consumer: Closed with non-monetary relief