vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX  and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is not validation. ( see attached ) Cavalry Portfolio Services sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several attempts to contact the credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX and each agency refuses to remove ... indicating Cavalry refuses. I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. I should not be obligated to pay for the alleged debt. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital one twice, once in XX/XX/XXXX, and again in XX/XX/XXXX. I called because I was not receiving the rewards points that were shown on the advertisement of the credit card. I was to receive 3x 's the points for using my card on my phone bill, and 5x the points if i spent any on the XXXX XXXX. However i have not received my points, even though i was told the issue would be fixed. I even contacted XXXX XXXX XXXX about the issue who redirected me back to capital one. 

I have attached my bills since XX/XX/XXXX to show my transactions, and prove that i used the card for my phone bill and one XXXX XXXX transaction. I also included my points from XXXX XXXX to show that i am only receiving XXXX point for every XXXX. I also included the advertisement of the card from capital one. 

When I went back to do the math it looks like they tried to fix problem in XX/XX/XXXX and gave me the points i was owed but then the ball was dropped and i was going back to receiving only XXXX point for every XXXX even though i continued to use my card for my phone bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NV

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover Bank has been carefully stealing funds from my XXXX XXXX XXXX accounts, calling most recent employer ( XXXX  ) for wage Garnishments and taking money from XXXX Health Savings Accounts. I'm unemployed, no family medical, heath or XXXX   insurance and my wife and I have Medical and XXXX  Bills that way past due needs to be settled otherwise we will not get future appointments. Discover Card removed every single penny in my HSA Account ( Statements Attached here ). In XX/XX/2016 XXXX XXXX closed my HSA Account. 

Discover Bank based in the State of XXXX is closely following " Make America Great Again Program '' by targeting Minority American Families. They are now secretly trying to foreclose on my only home by using the same collection Attorneys. This is a federal violation in its highest form. Discover Card denies it. XXXX XXXX XXXX have been facilitating it all, but conveniently stays out of it! 

I ask Discover Bank to Return my HSA funds and terminate XXXX XXXX XXXX immediately before they take any further action to Foreclose my home!!!!!!!! 
XXXX is currently taking place in XXXX, but they continue to deny any wrongdoing and absolutely do nothing about it, even after many complaints. 

I propose a {$100.00} XXXX federal fine be place immediately on Discover Bank for the atrocities and federal illegal practices of their representative Law Firm ( XXXX XXXX XXXX ) in XXXX. A copy of Foreclose Notice by the same collection attorneys ' is attached with this complaint for CFPB Review. Discover Card continue with their aggressive practices ignoring all of my requests to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Greene & Cooper Collections LLC
State: GA

Complaint narrative:
I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to Green & Cooper LLP three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( GA Bar No XXXX ) and Greene & Cooper LLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I have been trying to have my final disbursement process from the Freedom Mortgage. 
I have had so many issues with this company. I have sold my home and still waiting for them to process my disbursement way before the home was sold. I have a voicemail saying it would be mailed out I have an email saying they will look into it. I spoke to someone that it was processed. I was told it would be overnight.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX via XXXX Unauthorized inquiry placed on XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an Exclusive Pre- Qualified credit offer from Capital one. I applied for it with the Reservation # and the Access Code they provider in there offer. I was denied Credit, with a Hard Inquiry Hit of 40 points off of my credit score ... 40 POINTS!!! I Read the small print it said with the Pre- Qualification I would Not Receive a Hard Inquiry.I'am so frustrated! I have been trying to repair my credit. XXXX XXXX suggested I needed more revolving credit and strongly suggested Capital One. It feels like Blackmail. 40 Points for being Denied is unheard of ... please help!!! I applied for this Capital One Offer The Middle of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lake Area Collections, LLC
State: CA

Complaint narrative:
1.lake area collections, several accounts I was on welfare medical, I do not have a cop pay, they were given my insuance card and did not bill my insurance. I have contacted them several times and nothing. 
account number is XXXX, XXXX, account number XXXX for the amount of XXXX, 2.XXXX XXXX XXXX XXXX. again was on state medical and they were given insurance card, amount XXXX account number XXXX 3. XXXX XXXX   account number XXXX XXXX was on state medical insurance amount XXXX and is on report twice account XXXX XXXX amount XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES
State: PA

Complaint narrative:
I only attended XXXX XXXX for two semesters. They were somehow able to obtain acess to every single federal loan and grant i was capable of recieving. Ultimately cashing them all in for roughly {$25000.00} in just six weeks. Deposited it into their school account. i saw none of it. Then after leaving i was current on my payments until i had six different accounts. And every year my refund check is taken but nobody has the common decency to say why or send me a reciept for which outstanding account it went toward? You think im some kind of fool? My father didnt raise me to be a pushover and get hustled. We earn what we get. We dont just collect or inhereit a secret hedge fund from grandpa XXXX from XXXX 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 2018-06-03 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 — Problem with personal statement of dispute
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I applied to refinance my car loan with m & t bank. 
I already have a car loan with this company and figure that it would be easy to refinance with m & t. 
After applying over the phone I did not hear from them for over 2 weeks when I Had to call them to find out status of my application. 
After waiting 45 minutes and talking to 3 reps who did not what was going on, I then receive a letter stating that my application had been denied. 
The reasons stated were that my score was low ( XXXX ) when in fact my score is XXXX. 
Also to many inquiries .which make no sense because I only had my credit report pulled several months in the past Year. & I  believe that m & t discriminated and used the lowest score possible to deny my application. 
I would like to know what remedy I have to resolve this issue.

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 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8.  An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: FL

Complaint narrative:
TransUnion is reporting inaccurate information on my credit report. After disputing this account directly with creditor which ended up with the creditor being unable to verify this account in accordance FCRA, I am now disputing this account directly with Credit bureaus. 

On XX/XX/XXXX I sent a letter to TransUnion requesting them to verify the accuracy of this account. They received my letter on XX/XX/XXXX, and responded on XX/XX/XXXX stating they have verified the account is reporting accurately but with no proof or anything bearing my signature. I sent a second letter on XX/XX/XXXX which they received on XX/XX/XXXX requesting their method of verification and requesting proof of their claim. They responded on XX/XX/XXXX and again, stated the the account was verified and still no documentation or proof. 


I have repeatedly asked for evidence to support their reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

To resolve this issue and prevent any legal action against them, They must remove XXXX XXXX XXXX Acct # XXXX from my credit report.

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 2018-06-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I applied to refinance my car loan with XXXX XXXX XXXX XXXX. 
I already have a car loan with this company and figure that it would be easy to refinance with XXXX XXXX XXXX. 
After applying over the phone I did not hear from them for over 2 weeks when I Had to call them to find out status of my application. 
After waiting 45 minutes and talking to 3 reps who did not what was going on, I then receive a letter stating that my application had been denied. 
The reasons stated were that my score was low ( XXXX ) when in fact my score is XXXX. 
Also to many inquiries .which make no sense because I only had my credit report pulled several months in the past Year. & I  believe that XXXX XXXX XXXX discriminated and used the lowest score possible to deny my application. 
I would like to know what remedy I have to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My score was drop to the lowest because of a problem on the Equifax. There are two reports saying two different things. On the page labeled changes it has dropped my credit score down over 500 points, but on the page labeled Factor it said the account is still there in good standings

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to XXXX XXXX XXXX XXXX three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( XXXX XXXX No XXXX ) and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. XXXX XXXX was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX XXXX XXXX. I was unaware of this company  and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MT

Complaint narrative:
the CBE Group trying to collect on a cable bill. I hve in my posession FROM THE ORIGINAL creditor, XXXX aka XXXX, showing a balance owed by me as XXXX dated XX/XX/2018. I have no contract with CBE Group, nor was i made aware of ANY sales of my information to this group.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates claims it purchased an old debt from XXXX XXXX. Despite request, it has not provided legally sufficient documentation that it owns my debt. It has provided some documentation concerning my account, but has not provided any documentation of ITS OWN OWNERSHIP of my account, and therefore, it can not show that it has any right to put a negative entry on my credit report. I've requested that this entry be deleted. It refuses to delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX I was late with payment to XXXX XXXX ... .Paid it immed after notification And paid the arrears and brought account up to date ... I had a Score of XXXX XXXX reported this and my credit score dropped 90 points ... .This is severe after having a clean record for over 15 years

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 2018-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Synopsis : Loan obtained through Goldman Sacks by XXXX, was paid off by a balance transfer with a lower interest rate. The full balance due was paid to XXXX. The pay off amount was obtained by the monthly statement they provided to me. The full a balance was paid before the revolving date on the loan. XXXX, the lender refuses to waive the residual interest after the balance was paid in full. -- -- -- -- -- -- - I have been a member/customer of XXXX XXXX since XXXX. A few months ago a recommendation was made to me by their website regarding a balance transfer option. The financial institution that was recommended was XXXX by Goldman Sacks. I accepted the offer. 

In XX/XX/XXXX i paid off the balance with XXXX, via a balance transfer from another financial institution with a lower APR. Unfortunately there was a residual balance left on my XXXX loan after the balance was paid in full. 

I reached out to XXXX, via telephone on XX/XX/XXXX, and spoke with a rep, then her supervisor, XXXX at their Texas location. I explained to her that i was a referral customer to them through XXXX XXXX, and asked if they could waive the remaining interest since i had paid the balance in full. I explained that their statement made available to me via their website advised me of the statement balance before the account/loan revolved. I also explained that I have paid off multiple, credit cards, loans and car loans, and the financial institution is always willing to forgive the remaining interest as a good faith gesture, and also to retain customers for future needs. 

XXXX the supervisor at XXXX refused to entertain my request and repeatedly shut me down. 

I feel that XXXX, refused to waive the balance because i took the loan somewhere else, and they are trying to make a few extra bucks where ever they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent multiple good will letters and disputed the items with the bureau and no one would help me. I called multiple times on different occasions and I still have received no help. Normally there are extremely long wait times when calling to speak with a representative and sometimes the representative doesnt want to hear you out fully and i dont agree with this process. Im very upset that I still havent gotten this issue resolved.

Company response to consumer: Closed with explanation