vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
On XX/XX/2018 I received a credit alert from XXXX  that a new collection account has been added to my credit file in the amount of {$1000.00}. The company is Capio Partners/XXXX XXXX XXXX. On XX/XX/2018 I sent a validation letter by certified mail via USPS to this company requesting that the debt be validated and requested that all communications be conducted by USPS. On XX/XX/2018 the validation letter was delivered to an individual at Capio Partners office address. Between XX/XX/XXXX and XX/XX/2018 the account was removed from XXXX and XXXX. At that time I was not disputing the account with the credit reporting agencies directly and after Capio Partners received the validation letter requesting validation of debt per the Fair Debit Collections Practice Act and the Fair Credit Reporting Act the account was removed. Capio Partners was not reporting to XXXX at the time, As of XX/XX/2018 I have not received any communication from them through USPS as  requested validating the debt they claim I owe. I believe that XXXX XXXX is being negligent in reporting to XXXX  an account that was requested to be validated by me per FDCPA and FCRA. This company has directly affected my credit worthiness with possible lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XX/XX/2018, I wrote to the credit reporting agency, they placed inquiry on credit report, I have a credit freeze, identity theft hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/2018, I wrote to the credit reporting agency, they placed inquiry on credit report, I have a credit freeze, identity theft hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
This company gave a very high interest rate when others with very similar credit profiles were given lower rates. The only explanation for this could be discrimination. Also, there are numerous reports of this company removing late payments on customer reports based on the fact that the customer did not receive statements. I moved during my loan and did not receive statements and have requested lates to be removed. I was discriminated against and provided no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO 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 non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
In XX/XX/XXXX I sent a request for validation of debt to weltman, weinberg, and reis. XX/XX/XXXX I received a packet with a letter and copies of some payments. The letter says XXXX XXXX XXXX sold my loan to regents bank and then to XXXX XXXX XXXX. I see nowhere as to why weltman, weinberg, and reis afe attempting to collect this debt. I never received a notice my loan has been sold  not just once but twice. There is no documentation that shows when the loan was sold nor documentation as to the current collector is legally allowed to accept my payments and apply them to my account. Weltman, weinberg, and reis did not provide complete and accurate information on any of the requested  information. College student loan, regents bank nor XXXX XXXX  has ever notified me of any changes of any kind. No documentation shows my signature. This loan shows a disbursement date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO 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 2018-09-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
This shows up on my credit report as a bad debt. I have known knowledge of it. 

Account name California business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2014 {$850.00}, XXXX XXXX XXXX XXXX XXXX, ca. 
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 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
On XX/XX/2018, informed the credit bureaus that I had no knowledge of this debt and received an " accounts verified '' letter back. On XXXX, 2018 I asked for information on validity but never received the answer to my question. Portfolio Recovery sent me screenshots of what appeared to be a bill of the balance owed but didn't list any purchases or information verifying the account. On XX/XX/2018 I sent Portfolio Recovery a letter asking them to verify the accounts because they do not belong to me and sent them a form in which they failed to respond to. Instead, they continued to send the same documents that literally only have my name as personal information ignoring the fact that I am telling them there is a problem! I sent yet another letter out on XX/XX/2018 advising them they still have not validated these debts and it needed to be validated or removed from my account since the accounts did not belong to me. On XX/XX/2018 I sent another validation letter, and yet another one on XX/XX/XXXX and still nothing changed. On XX/XX/2018 I also reached back out to the credit bureaus again to advise them of the back and forth all because they are reporting inaccurate accounts on my profile, they responded with the same computer generated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My dad filed fraud report with Barclay Bank Master Credit Card. He added me as authorized user long time ago so at least I can manage his account but I never received the card ever since. I called the bank as my dad is XXXX and doesn't speak English well but the bank was giving me hard time and only wants to talk to my dad. Therefore he provided Power of Attorney. I went to police station with Power of Attorney to file police report for my dad but got rejected since I have no statement to show what accounts were fraud charges. The bank blocked online access so we can't go online any more and we don't receive paper statement. 
Make long story short, Barclay Bank did not investigate properly as I seen most of charges were occurred in out of Country. As matter of fact my dad can not drive or fly as he is XXXX  and their investigated time was not long enough to verify those unauthorized charges. If they were willing to investigate I am sure they would take this matter seriously and investigate detail by contacting merchants to collect cctv footage. The bank didn't do anything but leave those fraud charges on my dad 's account as he's too old to take this matter further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I got denied a credit from ally for a car loan. Their letter states they used XXXX XXXX. 
As the letter writes, I called to obtain my credit report from them. When I called no one picked up the phone and was instructed to request my report online on their website. When on the website, I was told to call instead. I called again trying to speak to a representative but you can only leave messages on a voicemail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: OH

Complaint narrative:
I paid {$1700.00} on XX/XX/2018. 
My escrow increased in XX/XX/2018 by approximately ~ {$57.00}. 
Instead of giving me credit for most of my payment and telling me that I missed my escrow difference. They did the following : -Applied the XX/XX/2018 payment to my principle -Charging me for two monthly payments -Charging me a fee of {$50.00} -They called me and threatened my credit I made a payment, but I don't think that I should have to make three payments to overcome an oversight of an escrow increase. 
The company is Arvest Central Mortgage. They are an untrustworthy group of hucksters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC
State: NV

Complaint narrative:
I took out a installment loan with XXXX XXXX XXXX, I made payments and paid down the loan, then had to take more money out. In XX/XX/2018 I had my first XXXX XXXX and I was unable to pay the current payment, Nevada has no XXXX in the State, the manager at the office I took the loan was rude and forceful about me having to commit to payment or he would do nothing for me. I said how can I commit to a certain payment when I have no income? He hung up on me. I tried to catch up the payment, I got back to work and had a second XXXX XXXX, then an XXXX with the XXXX  put in, then XXXX XXXX XXXX, all of which placed me back and forth in the hospital. I tried to borrow some money to make this payment, but could not. This company has called my employer daily and more then once, today I was informed by my employer that the person actually wanted to know what hospital I was in so he could contact me. When my employer would not tell him he hung up. Several more people called all day long and my employer called me again and said I must stop this, he can not run a business with all these rude people calling to collect this debt and asking inappropriate questions and refusing to stop the calls. My son was contacted as well, my sister was called and harassed and asked for a payment. Unfortunately I don't have money, I have paid so much interest, and all I ask for is more time, but they won't work with me and I don't know when I will be back to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: NY

Complaint narrative:
I have been dealing with XXXX XXXX, and i have been making small payments, which i have explained to them why that is, but they felt the need to withdraw {$610.00} out of my account without my acknowledgement or permission, and have sent my bank account severely into overdraft. I am struggling to make ends meet at the moment, and at the time i am paying medical bills, as well as life bills. I need that money back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
A LOT OF FALSE INQUIRES FROM THE FOLLOWING COMPANY XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX AND XXXX XXXX   AND XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called the XXXX XXXX section of XXXX to book a room regarding my free anniversary night ( see below ). 
They said they will not honor it now -would only do up to a category 4 hotel ( which does not cover the hotel I chose ) as the program changed. Discussed it with the representative and the supervisor. Says it can't be honored or changed. I earned this free stay, I received the certificate and they should honor it. They said that numerous emails went out the last few months regarding a merger with another hotel chain, but did not specify that our earned certificates would no longer be honored. I believe that if they change the program, then have the certs that were issued after the date ( apparently XX/XX/XXXX ) have the new requirements on it. 



Happy anniversary! One special benefit of your XXXX XXXX XXXX Credit Card is that you are entitled to a free night at a category 1-5 hotel anywhere in the world for your account anniversary. We thank you for your loyalty. Sign in to your Reward account today to see your free-night certificate XXXX XXXX XXXX. Sincerely, Rewards Credit Card Team Reward Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Description : PREMIER VISA XXXX CAT 1-5 HOTELS  Reward certificate number : XXXX Reward code : XXXX Valid at hotel categories : Categories 1-5 Valid for stays through : Thursday, XX/XX/XXXX Certificate deposit date : Tuesday, XX/XX/XXXX Reward Terms & Conditions Anniversary Free Night Stay E-Certificate is valid for hotels in categories 1-5. For participating category 1-5 locations, log on to XXXX or call XXXX. The E-Certificate must be redeemed within 6 months from date of issue. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Anniversary Free Night Stay E-Certificate, your account must be open and not in default on your account anniversary date. XXXX is not responsible for offer fulfillment. 


Rewards Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
This debt collection agency called me earlier and I informed the person that I spoke with that they had the wrong number, instead of removing my number, they continue to call.

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