vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
When I log in to my account summary, the " Minimum Payment Due '' is grey-ed out. It is in a lighter font than the " Statement Balance '' the " Scheduled Payments '' amount and " Available Credit '' Amount. This leads me to believe that there is no minimum due or that I have already payed it. It is misleading. Also. XXXX  does not allow scheduled payments ( payment scheduled once to reoccur each month - ex always make minimum payment from XXXX XXXX account ). By saying there is a " Scheduled Payment '' is also misleading. That feature does not exist. You can only make one-time payments and can not schedule these regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I rent an apartment in XXXX ( XX/XX/XXXX ) property in XXXX XXXX New Jersey, for security deposit I bought a {$1000.00} ( XXXX XXXX dollar ) bond to cover any damage or repairs to the property. After I left and return my keys, I received a bill of {$230.00} for steam clean the carpet and some garbage I left in the garbage bin. In an email form the property manager stating that the money will be taking from the bond and I will not get any money back from the ( {$1000.00} bond ) Recently I been getting letters and threatening phone calls from ( National Credit Systems Inc. XXXX XXXX XXXX XXXX GA XXXX ) from a person called XXXX XXXX Tel : XXXX last one dated XX/XX/XXXX claiming that she will report me to all three credit bureau and will ruin my credit I have sent several letters to Miss XXXX with attachment emails from the property manager informing me that the {$230.00} will be taken from the {$1000.00} bond All my letters and correspondents fell on deaf ears, I even sent a letter to Georgia Attorney General to complain about this collection Agency tactics and they told me to contact the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried to login to my Experian account. I am unable. The website help does not respond. It claims that I have no account. I tried calling but there is no human available. All they have is an automated system that doesn't address my 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 non-monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Child Support Recovery Services, Inc.
State: MD

Complaint narrative:
A collection from XXXX, XXXX XXXX was placed on my credit report XX/XX/2013 for the amount of {$320.00}. I disputed the collection because I did not owe a debt or ended the original contract. This collection was a bill from a daycare my daughter attended for preschool. A situation occurred between the teacher and my child 's father, which I was not in a relationship with but shared custody and during his visits he would drop her to school which was required by the custody order that was placed. When I went to the school to pick up my daughter the director XXXX appoarch me for a mandatory meeting. She explained that there was a sitution between my childs teacher and her dad and he threaten the teacher and for the teacher and other staffs safety that I have to take my daughter out of the daycare immediately. The director informed me that she consulted the daycare attorney and that was the best solution they could come up with. The school voided my contract and did not reimburse me for the money for pulling my daughter out of school during the week nor gave me time to find a daycare to transition her. Then the daycare place a collection on my credit and I did not even receive a bill or letter about this debt. I never ended the contract the daycare did and they are responsible for voided my contract without notice.

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 2019-01-27 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: MN

Complaint narrative:
I need to File a formal complaint on behalf of Experian On XX/XX/XXXX I sent in a letter asking them to please send me the Original signed consumer contract for any and all accounts that they post on my credit report But they refused to send me any of the Information that I asked them to Provide. Per The Section 609 ( a ) ( 1 ) ( a ) Experian is REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT IN MY CASE THEY DID NOT PROVIDE ANY OF ORIGINAL DOCUMENTATION REQ UNDER THE SECTION 611 ( A ) ( 1 ) ( A ) OF THE FCRA A CONSUMER CONTRACTWITH MY SIGNATURE ON IT AND ALSO SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THE LAW IS VERY CLEAR ON THIS LAW.

i HAVE REACHED OUT TO THE MN ATTORNEY GENERALS OFFICE FOR ADVISED ON THIS I ALSO ASKED THAT E XPERIAN PLEASE UPLOAD THE CONTRACTS WITH MY SIGNTURED ATTACHED ON THIS CFPB SITE WHEN YOU RESPOND TO THIS COMPLAINT. IF YOU ARE UNABLE TO DO SO PLEASE REMOVE THE ACCOUNT LISTED BELOW ASAP I ALSO ASKED EXPERIAN TO NOT REPLY BACK WITH I NEED TO CONTRACT THE CREDITORS THE FCRA 609 / 611 AND SECTION 617 REPLIES TO THE REPORTING AGENCIES WHAT WOULD BE.

AS YOU TRIED TO DO THAT WITH A XXXX XXXX   ACCOUNT I WILL NEED FOR THIS ONE TO BE REMOVED ASAP SEE FILE FOR COMPANIES FEED BACK!

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX | DOB XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
ALL CREDIT INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2019-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MS

Complaint narrative:
Just want to know if they still records of the account and are they still open from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Credit Corporation
State: NJ

Complaint narrative:
Company has incompetent overseas people taking phone calls who are not trained. Called on XX/XX/19 to close account. Specifically, advised them to cancel the future annual fee of {$29.00} charged yearly effective starting XX/XX/19. Tried to explain this is a future dated annual fee and that I am closing account PRIOR to this date. They still think the annual fee should be prorated? What?!!! Why?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: OH

Complaint narrative:
This is the third time I have request proof to substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
XX/XX/2019. Picture show chat between agents and I. No APR was ever quoted with rates so it made it impossible to shop rates. I wasnt sure if either of them were even licensed. I had to physically ask. I feel deceived. Is Quicken not held to the same standard? I am uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I have purchased a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. 
Because the interest rate is high I transferred the loan from XXXX XXXX to XXXX. 
XXXX paid off XXXX XXXX on XX/XX/XXXX the sum of {$30000.00}. XXXX   XXXX did sent out letter stating that the account is paid off on XX/XX/XXXX. 

The terms of agreement with XXXX is that I need to transfer my Finance Company on title document for which I need Lien Release form from XXXX  XXXX. 

I tried reaching out XXXX  XXXX in the month of XXXX, XXXX, XX/XX/XXXX. and also on XX/XX/XXXX. 

They have the terrible IVRS which asks to enter account information but didnt recognises the customer so with so many attempts I reached a human Service Representative - every time it will take an hour minimum wait to speak with them. 

All the 4 times the representatives assured me that I will receive my lien Document in 4 to 7 Business Days and they said they marked the delivery request as expedited ( which is a big joke ). 

Its been almost 6 months and I didnot transferred my lien holder on title because of which XXXX marked my account as default and resulted in increase in interest rate even though its not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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:
The following person named XXXX XXXX was found on credit reports and tax records previously and may have reaped benefit from my tax refunds or credit reports due to mishandling of records by corrupt collection agencies, attorneys and judges : XXXX County Civil Court ( TX ) Film Code : XXXX, XXXX, XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, my husband and I both received Visa credit cards from Capital One, where we have been customers since the bank came into existence. I am the primary person on our accounts there. ( We have two joint bank accounts and I have one solo bank account at Capital One. ) We always pay all our bills, including credit card bills, on time. 
The Capital One Visa credit cards came with different credit limits. My husbands cards limit was two and one-half ( 2 1/2 ) times higher than my cards credit limit! We assumed this was an error on Capital Ones part, as our two other Visa cards are joint cards and we have always had the same credit limits on those cards. I have called Capital One at least three times about the discrepancy in our credit limits, asking for the same limit for both my husband and me. Each time I am told that Capital One uses many factors in setting credit limits. Since my husband and I file joint federal and state tax returns and have joint bank accounts, I asked what the factor was that led Capital One to give me a far lower credit limit. Was it gender? That is the only difference. There was silence. 

In XX/XX/XXXX, I received two letters from Capital One saying that I needed to use their Visa card more if I wanted the same credit limit as my husband. That excuse simply isnt valid : I have charged more on that card than my husband in XXXX, XXXX and XXXX. In fact, I have already paid {$30000.00} on that Visa card since XX/XX/XXXX. My husband has paid less than {$150.00} this year. 

Capital One is discriminating on the basis of gender in its credit cards credit limits. Although their customer agreement for credit cards says they can take any action at any time with respect to credit limits, Capital One is not allowed to discriminate in its lending. That is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX.The following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX-XXXX XXXX XXXX XXXX  , XXXX, OH XXXX-XXXX XXXX XXXX XXXX  , XXXX, OH XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Hello I have been trying to resolve a matter with SOURCE RECEIVABLES MNG for Months. before this Company put this on my Credit Reports. this debt was disputed off my credit and Removed. Months later this Company purchased the debt from the original Collection Agency and then put it on my Credit reports. so I have been going back and forth trying to get this removed. its causing me stress and pain from getting approved for a Home. it was put on my reports XX/XX/2017. If I could get this removed, i would gladly appreciate 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 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ULRS, Inc.
State: SD

Complaint narrative:
On XX/XX/2018 I received a call from XXXX XXXX XXXX about a bill from XXXX. XXXX XXXX who represents XXXX had mailed a bill to my wife and I stating we owed {$880.00} to our address at that time. Since then we have changed addresses. My wife was wondering about the bill emailed XXXX XXXX of XXXX to find out what the charges were for. On XX/XX/2018 XXXX XXXX emailed my wife XXXX back that he would send a statement. This statement did not arrive until XX/XX/XXXX. XXXX XXXX had my wifes email address, work phone number, and cell phone number. XXXX XXXX neglected to let us know about a bill and sent it to collection. He had our address and since we didn't receive anything from Mr. XXXX we believed Mr. XXXX had made an error. XXXX XXXX XXXX had it on XX/XX/2018. Finally after 54 days I received a phone call from XXXX XXXX XXXX. Since they contacted me on XX/XX/2018 I have not received any correspondence from XXXX XXXX XXXX. XXXX XXXX XXXX had called and I had told the XXXX XXXX XXXX once about my present address. How many other people has this business turned people over for collections and not send anything out to people. This company I feel maybe deceiving others by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
This is a contnunation of the previous complaint filed with you on XX/XX/XXXX. # XXXX-XXXX. That complaint was with XXXX which is the tail end of this whole situation. Originally XXXX XXXX XXXX XXXX. approved a HELOC in the amount of {$46000.00} on XX/XX/XXXX. Loan # XXXX. The only payments shown on the payment history provided by XXXX, account # XXXX, were in the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX. However, XXXX did not receive this account as delinquent until XX/XX/XXXX. I believe the reason for this action and no record of these payments, being taken 8 yrs later is because, initially I made at least 5 yrs worth of payments to the mortgage servicing companies but my loan was transfered several times during this period. XXXX XXXX XXXX  XXXX. was sold to HSBC XXXX XXXX XXXX, XXXX, VA. Account # unknown because Hsbc filed bankruptcy and have no record of this loan. Then my loan was serviced by XXXX during that time but in XX/XX/XXXX, the District Court of XXXX found that XXXX XXXX XXXX was found negligent in their servicing practices and was ordered to pay {$30.00} XXXX dollars in various types of relief to the borrowers that were paying on their loans from XX/XX/XXXX to XX/XX/XXXX. Again, there is no record of the payments that I made other then what XXXX provided. But also during this time period, After HSBC went bankrupt, my loan then became serviced by XXXX XXXX, whoever they are, but they also have no record of this loan or any payments made. I don't know what happened to this loan anywhere that I can find but there is 6 pages of what was recored with the XXXX County Recorders Office in XXXX XXXX, CO. BK XXXX, PG XXXX. This filing did not include any of the details of this loan. The only verification of the terms of this loan were provided, with your previous help, by XXXX who has since been bought by XXXX. And it was unfortunate that I had to contact your office to even see what thus loan consisted of and it's terms. Had I been made aware of any of this I would not have let this loan default to become property of XXXX to collect this debt. As you might recall, during this whole time period, there were many scams and scandels confronting the mortgage industry. I don't know if I was a victim of this. I am filing a claim against XXXX along with the thousands of others to see if I was in fact this had any bearing on how my loan was handeled. The original property that was used as collateral for this HELOC is presently in litigation for other reasons. However, the findings from this complaint could determine whether I have to let my home go into foreclosure or if I have to file bankruptcy. Thank you for any help you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: KS

Complaint narrative:
I am being sent harassing debt collection letters from Aldous & Associates for a {$300.00} debt from XXXX XXXX. Previously {$150.00} They state in the letter that XXXX XXXX has developed an Amnesty program for deliquent debt. Which reduces the owed amount by {$150.00}. I have contacted XXXX XXXX and they have stated there is no such program of theirs. XXXX states they have no knowledge of my account anymore. 

I have not dealt with XXXX or its retailers in over 4 years. I have no outstanding debt with 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 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
My husband and I moved out of the XXXX XXXX apartment complex in XXXX, Colorado as of XX/XX/XXXX, rent having been paid through the end of the month and owing no money as per the lease agreement provided to us by them. On XX/XX/XXXX I get a credit alert that they have put in a claim to collections for {$630.00} with no supporting documentation or reasons as to why or how the debt is supposedly ours. 

We can supply a copy of the lease agreement showing that we owe nothing upon moving out and bank records showing that rent was paid for that entire month in full. The paperwork supplied clearly states that the checked box replaces the early move out provision and the amount is blank, meaning nothing is owed if a move is conducted before the lease is up. 

We tried to dispute this with XXXX, to no avail. We need this removed from our credit reports as we are trying to obtain a business loan to start a new venture. 

This is how it appears on XXXX : Company : National Credit System Address : XXXX XXXX  XXXX XXXX, XXXX, Georgia XXXX Phone : XXXX Alert Date : XX/XX/XXXX Balance {$630.00} XXXX XXXX 's contact information : XXXX XXXX XXXX XXXX XXXX, Colorado, XXXX XXXX

Company response to consumer: Closed with explanation