vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
On XX/XX/2018, GM Financial received ( certified mail ) my debt validation request. 

I did not receive a response from GM Financial until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
on XX/XX/2018 I noticed that my credit report included a collection amount and a late payment record for Diversified Consultants , Inc . I have never heard for this company nor received any notice of debt. 

On XX/XX/2018 I called Diversified Consultants to Inquire. I was told that the bill was from last year thru XXXX XXXX XXXX from a " XXXX XXXX ' in the amount of {$560.00}. I was completely paid up with XXXX XXXX XXXX and have not used their service for over a year. Diversified Consultants allegedly had been sending letters to my old address, which I never recieved. 

The agency could not or would not provide me any information with what the debt was for or when it incurred. I indicated that I wanted the contact information for XXXX XXXX XXXX and they refused to give me the information. I told them I wanted to record the information, and they indicated that I was not allowed to record the conversation. I asked for them to please send me information to my new address regarding this debt. 

On XX/XX/2018, I also emailed Diversified Consultants and formally asked them to validate the alleged debt from XXXX XXXX XXXX. 

On XX/XX/2018 I was emailed by Diversified Consultants by XXXX ( no last name was provided ). XXXX had attached a bill from XXXX XXXX XXXX. The bill did not include any information, nothing about dates or what the debt was for, except for the amount due. 

On XX/XX/2018 I wrote XXXX back and again asked her to send me details of the debt. 

On XX/XX/2018, I received a letter in the mail from Diversified Consultants demanding I pay the debt. They also included a copy of XXXX XXXX XXXX bill, which again contained no information except for amount due. 

On XX/XX/2018 I called Diversified Consultants and spoke with XXXX XXXX ( spelling ). XXXX informed me that they already sent a credit validation letter to me. I let him know again that I was requesting information about his debt. 

On XX/XX/2018 I emailed customer service again asking for details on the debt. 

To date, I have not received any information on what this debt is for, yet I am getting harassed to pay a bill. Diversified Consultants also reported false information to the credit bureaus " late payments '' and " delinquent accounts '' Diversified Consultants never provided me with any information on how, or even that I could, dispute this debt. 

Although the company is well aware that I am in need of more information about this debt they have not provided me anything. They will not give me information to contact XXXX XXXX XXXX myself, they will not let me record the phone calls I have with them, and they continue to keep false information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Put a collection account on my credit that is not mine. I want to see the original documentation. I never signed for a Pay day loan. Also have gotten calls from this company threatening me. I want this removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, Target breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: IL

Complaint narrative:
PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified Transunion , XXXX , and XXXX via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. Transunion nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to Transunion in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.

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 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified XXXX , XXXX  , and Experian via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. XXXX nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to XXXX  in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.

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 2018-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Tuition Answer Loan # XXXX Tuition Answer Loan # XXXX I have two student loans, originally from Sallie Mae, now Navient. They refuse to release my co-signer after multiple attempts on my part to do what they said is required for that. Initially they told me that my loans could not have any payments that were later than 30 days for a two year period. Having done that, I asked for my co-signer to be released. They then told me that was wrong information and that the payments couldn't be later than 14 days late in a two year period. I went another two years with no payments being later than 14 days and was then told that they still would not release my co-signer. They blamed it on my credit, however would not give me a credit score or any info as to what constitutes " good '' enough credit. When I initially got the loans and he co-signed, they made it sound like it was an easy process to release the co-signer. They actually have no interest in ever releasing him. My son is my co-signer and it is preventing him from purchasing a home because of the debt-to-income ratio my loan is causing. 
This is not the only problem I have had with them. The interest rate on my loans has jumped up to 11.5 % after I consolidated, and that wasn't made clear. They also didn't tell me my options at different times about repayment plans and got me into forebearance instead which added tons to my loan. But, I am not contesting these issue at this time, I just need to have my son removed as co-signer on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: GA

Complaint narrative:
This relates to prior CFPB Complaint XXXX which XXXX XXXX closed as resolved hower it was not closed appropriately and no further steps were taken to remediate the issue despite providing that feedback via the CFPB portal. 

Despite the account being closed and prior fees reimbursed, the bank continues to suffer from bank errors and charged interest on a closed account ( on fees that have been reimbursed due to bank error - same as before ) and now the account has a balance of XXXX. Additionally, only reporting for one credit bureau has been remediated as part of the prior CFPB complaint XXXX ( XXXX ), leaving the remaining bureaus with incorrect information which has decreased my score and does not allow me to get further credit ( XXXX  and XXXX ). 

Please fix this immediately and fix these systematic bank errors which are probably affecting all the customers in this situation. It seems the bank has an existing problem where after the fees have been removed/refunded, it continues to charge interest on the removed fees when those fees should not be charged. 

Sincerely, 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 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me Cooling and Winter LLC,  XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too? 
I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.

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 2018-07-31 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: TX

Complaint narrative:
Put a collection account on my credit that is not mine. I want to see the original documentation. I never signed for a Pay day loan. Also have gotten calls from this company threatening me. I want this removed from my account 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 explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited 3 checks on my chase checking account ... 1 it was for XXXX  XXXX XXXX XXXX {$2.00} check was for chase credit card XXXX {$3.00} check was on my name XXXX ... after 2 days ... my available balance it was XXXX .... I start making payments to XXXX XXXX XXXX XXXX {$20000.00} to chase credit card ... and others pays ... in 2 hours my account was overdraft XXXX .... for more then a month ... I dont have any money and all my direct deposit checks from my company ... goes directly into this checking account ... 
... I start taking money out of my credit cards with higher apr ... just to be able to survive and pay everything on time ... 
called chase several time and no one has an explanation about the error on my account and how the checks got cleared even if they werent made for chase checking account .... I need legal advice and I want to solve this problem before I lose everything ... money, house, credit ... 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
XXXX - Company Amount - {$450.00} Company sent repossession after default in one payment. This was on XX/XX/2018. " Account Manager '' started speaking about my social media profile and continued to say " too bad you cant afford your car payment '' gave me legal advise to file bankruptcy. Account manager harassed me and continues to say my account was sent to an attorney for garnishment of wages. When they have not bothered to come get the vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp
State: NY

Complaint narrative:
Good Afternoon, XX/XX/XXXX Approximately around XX/XX/XXXX I was offered the opportuntiy for loan forgiveness by a gentleman named XXXX XXXX. He claimed to be a Student Advisor. He stated to me I was eligible for student forgiveness after signing document I had no access to after  signing. He explained to me that I would have to pay equitable acceptance {$49.00} a month to assist me with paperwpork that took less than a minute to fillout. ( I found this out by calling XXXX. One of the representatives explained everything to me today ). I'm a busy working mom who had hopes of loan forgiveness without knowing the real details. I feel really silly now but at least I found out. My curiosty stirred up a few times when I looked at my credit report and the balance of {$42000.00} plus was always there. He told me once I started paying equitable accetance I would notice a change from XXXX to XXXX on my credit report which it did. I wasn't aware that the service was free and under one minute to fill out on your own. This renewal is annual and the student loan company just want to ensure your information remains the same. I was paying {$49.00} bucks a month to do accomplish this very quick process. ( smh ) .. I was told that I may have to close my bank account and reopen it to prevent the reoccurrence of an automatic deduction. This equiptable acceptance account is also on my credit report and it can ruin my credit for non-payment. They have access to my fafsa account, bank account and now eligible to riun my credit. I am submitting proof of payment to you with hopes of reconciliation in this situation. When your busy and someone tries to convince you to do something that seems assuring still stop and look into it or just don't do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an existing lease with my car which will expire in XX/XX/XXXX. My lease is held by Chase Bank. I have a perfect payment record since XX/XX/XXXX which is when I signed the lease. However, my credit report regarding my lease is negative since I filed for bankruptcy in XX/XX/XXXX which was closed in XX/XX/XXXX. I did not include my lease in that bankruptcy and I held on to my car with continuing to make prompt payments. I have never been late and my account shows that I pay at least 10 days early each month. I submitted all paper work to Chase and my attorneys have contacted them as well and I have spoken with them numerous times. They refuse to report my excellent status and continue to report that my account is closed due to bankruptcy and in derogatory status. 
They insist that since I have a bankruptcy on my record that they have the right to report it on my credit report with them. This is affecting my ability to lease another car because of the inaccurate reporting by Chase Bank. I have had two accounts with Chase in my life time for cars and each one was in excellent standing. My bankruptcy in no way affected my lease and yet they are affecting my credit and credit score negatively. Please help me to have this corrected.

Company response to consumer: Closed with explanation