vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent letters to Experian and XXXX to delete from my personal credit report on XXXX/XXXX/2018. Or provide me proof the debt belongs to me. 

They have not provided proof. They simply mailed me a letter stating the debt was verified. 

The amount of the debt is {$3500.00}. The debt shows that it is a medical bill. 

Which if this was my debt I assume this violates HIPAA.

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 2018-01-17 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: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XX/XX/XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX. They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to PennyMac during the transition period. XXXX XXXX XXXX  already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked PennyMac to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. PennyMac agreed and supposed to fix their claim against late payment from our side. Apparently PennyMac did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My bank account was closed at my request in XX/XX/XXXX On XX/XX/XXXX XXXX XXXX tried to withdraw an autopayment. Per the Support center, it was returned onXX/XX/XXXX due to a closed bank account. On XX/XX/XXXXthe autopay was still on and they attempted to draw again from the closed account. OnXX/XX/XXXX, I cancelled my autopay and paid the bill at XXXX. At XXXX, I received a letter stating the autopay fromXX/XX/XXXX had been returned and to contact my financial insitution. When I logged on XX/XX/XXXX the account had an alert that it had been cancelled.

I did not receive a phone call, voicemail, email or letter stating that my account would be closed. When I reached out to customer service on XX/XX/XXXXand XX/XX/XXXX I was informed that it was closed due to two autopays being returned and could not be reopened.

I was not properly notified of account closure. I had also made a payment prior to receiving the autopay return. In my case, the return was due to a closed account inXX/XX/XXXX At that time, autopay should have been removed from my account, as the XX/XX/XXXXpayment would also be returned for the same reason.

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CT

Complaint narrative:
I received an alert that an collection account was added to my credit report. I reached out to the company and they advised it was for XXXX XXXX i advised that that i never had this company before. Nor has AFNI ever sent any documentation to me informing me of any account. my information was used which is why i have an identity alert on my credit right now. this account needs to be removed from my credit report as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX/XXXX - XXXX XXXX Husband called back to the agent, verified the caller as XXXX XXXX. Agent confirmed that she did call and speak with neighbors. Notified agent that FDCPA complaint, Attorney General Complaint and BBB compaint was to be filed. 

XXXX/XXXX/XXXX - XXXX XXXX XXXXXXXX XXXX - Called and left message with my neigbor 's fiance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - Called and spoke with my neigbor regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX Called and Spoke with my husband regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX Called and spoke with my mother-in-law [ Did not get name ] XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Called and spoke with my father. He let them know they were violating FDCPA [ Did not get name or extension ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
FDCPA violations Portfolio Recovery was sent a request for validation of debt in accordance with MA General laws via certified mailXX/XX/XXXX with a cease and desist order. They refused to reply and continued to place phone calls to my residence 2x per week. They received a 93A Demand notice for FDCPA violations and state violationsXX/XX/XXXX. They refused to reply and continued placing phone calls to my residence. XX/XX/XXXXthey received a second 93A Demand and cease and desist notice. They refuse to comply. Portfolio has provided no validation of their claim, violated numerous state and federal collection regulations and continued to contact me via phone and inw riting at a minimum two times per week. 


I demand the phone calls stop, the harassment notices stop and the fabricated debt be removed from my reports in accordance with both state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
They have been reporting a old child support account since XX/XX/XXXX. I disputed it in XXXX and was told that it was deleted because it had been more than seven years since it first became delinquent. I received a copy of my credit report yesterday and the account wasnt on the credit report I got. Now its back on there and I had to dispute it once again because they claim that the first date of delinquency is now XX/XX/XXXXof this year. I have a copy of payment history which is from the creditors showing whats being reported is a lie. I dont understand how a negative account can show on my credit report for ten years. They dont report child support in a way to help your credit and thats what I told the guy. Equifax in my opinion re-aged that account in a way to make money off of me. I can prove that account isnt showing on this report I got yesterday and they admitted that the first date it was reported wasXX/XX/XXXX. I feel like Im being treated very poorly by the company and not to mention the breaches that keep happening. Please help me hold them accountable and I have no problem sending you the documents I have to prove that division of child support wasnt on there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
This is a Repossession debt, that happen 5years ago. There have been 3 DEBT Collectors.This accounts HAS been sold to 3 different collectors. PBC trying to re aged the debt. Texas statues of limitation is " 4years ''. I 've challenged this repossession to the State of Texas. XXXX violated the Texas State Repossession laws, and Settled with me out of court. I asked them, too stop. I have file another complaint with The Attorney General of Texas. Please read : If the repo agent breaks into your garage to take the truck, that is breaching the peace " This what XXXX did ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
I have spoken with XXXX and they have informed me that they are working directly with me. I was told that this company shouldnt be contacting me anymore about this issue. The problem is I have never heard of this company before. I seen it being reported on my credit reports and thats when I was already speaking to XXXX about this situation. I want this company to stop reporting falsely to my credit reports as I do not owe them ANYTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: CT

Complaint narrative:
I have multiple accounts that are reporting inaccurate information on my credit report i have sent documents in such as police reports etc proving identity theft & the account still wont be removed. I even sent the docs to the original creditor no one will remove the account from my credit report. The account is XXXX - XXXX is the account. The are reporting inaccurate information on my report as the account does not belong to me.!! 
The other account reporting inaccurate is XXXX XXXX XXXX XXXX This account was removed and then inaccurately placed back on to my report with out proper notice & still reporting the same inaccurate information that it was before. The account needs to be properly investigated!!! 
The other is XXXX XXXX XXXX XXXX accounts i have provided documents showing that the accounts were removed from the other bureau for reporting inaccurate information. These accounts need to be removed 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 2018-01-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX. Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XXXX XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to XXXX during the transition period. XXXX XXXX XXXX already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked XXXX to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. XXXX agreed and supposed to fix their claim against late payment from our side. Apparently XXXX did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX, TX on XX/XX/XXXX. On XX/XX/XXXX I had XXXX XXXX XXXX XXXX and was on XXXX XXXX. The bank called to do a welcome call which I barely remember and says that I told them that I had a recent repo, which I didnt. On XX/XX/XXXX about XXXX XXXX I get a call and text from the salesman saying that the bank decided not to do the loan because I said that I had a recent repo. In my mind it was a done deal, contract and everything signed, more than 72 hours and I hadnt heard anything from the bank or the dealership. I was waiting to get the information for my first note. Now I have to return the vehicle to the dealership today the say or they will repo it and Ive done nothing wrong to my knowledge. The name of this bank is XXXX XXXX XXXX. in XXXX XXXX, TX 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 2018-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I thought I had set up auto-payments on my XXXX XXXX  store card but apparently did not and have discovered this is not even an option they offer. I think this is blatantly anti-consumer and should be required of credit companies. 

Here are the details : Payment was due XXXXXX/XX/XXXX 

When I checked my account 2 days later ( XXXX ) and realized I was not set up for auto-pay, I paid the {$350.00} balance in full. 

Because of this erroneous assumption about auto-pay, I was charged a late fee of {$27.00} ( XX/XX/XXXX ) a " finance charge '' of {$7.00} (XX/XX/XXXX ) When I firmly complained to XXXX XXXX they agreed to give me one-time relief and credit back the {$34.00}, for which I thanked them heartily. 

Still, is n't there a law that requires credit-issuers to provide the auto-payment option to customers? 

Consumers should ALWAYS have the option of setting up auto-pay as a way of ensuring they make timely payments. We are busy, busy people trying to do the right thing and pay on time. 

Please help the consumers! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: NY

Complaint narrative:
ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.

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 2018-01-17 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: NY

Complaint narrative:
ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi, I have to checking accounts and one of my account I never put funds into it unless I 'm making a purchase. Once I make a purchase I transfer the fu day from another checking into the checking account that I use to pay a bill. And then a few days later after my purchases has posted from my account the bank then try to repost those same purchase making as if I have no funds in the account. There try and take money from me twice. The bank I 'm referring to is Wells Fargo bank

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 2018-01-17 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
My credit report is showing that I was late on my Chase Mortgage payment in XXXX and XXXX, however, I was late in XXXX and XXXX not XXXX and XXXX, Chase Mortgage told it was the just the way my they report to the credit Bureau ( 30 days behind ) however, that is inaccurate reporting, regardless of how they are reporting this payment to the credit bureau, it should correctly identify on my credit report the dates I was actually late, regardless of how they report it to the credit bureau. Overall, they confirm the XXXX and XXXX late payments via several letters ( attached ), therefore I need my credit report updated to show the correct months, that I was actually late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: AES/PHEAA
State: CT

Complaint narrative:
I have multiple accounts that are reporting inaccurate information on my credit report i have sent documents in such as police reports etc proving identity theft & the account still wont be removed. I even sent the docs to the original creditor no one will remove the account from my credit report. The account is XXXX XXXX XXXX is the account. The are reporting inaccurate information on my report as the account does not belong to me.!!

The other account reporting inaccurate is XXXX XXXX XXXX XXXX- This account was removed and then inaccurately placed back on to my report with out proper notice & still reporting the same inaccurate information that it was before. The account needs to be properly investigated!!!

The other is XXXX XXXX XXXX XXXX accounts i have provided documents showing that the accounts were removed from the other bureau for reporting inaccurate information. These accounts need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since 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 2018-01-17 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: FL

Complaint narrative:
I sent a 609 letter to TransUnion on XX/XX/XXXXto validate the accounts listed in my letter. They have not done so and the 30 days is up. This has to be immediately deleted from my credit report per the FCRA 15 U.S.C. 1681i, because they could not verify the accounts. The accounts listed were : XXXX XXXX XXXX XXXX XXXX openedXXXX Account # XXXX, XXXX XXXX XXXX openedXX/XX/XXXX Account XXXX XXXX, XXXX XXXX XXXX opened:XX/XX/XXXX Account # XXXX XXXX XXXX XXXX openedXX/XX/XXXX Account # XXXX, and XXXX XXXX XXXX opened XXXX/XXXX/XXXX Account # XXXX. All accounts were unverified and need to be removed.

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