vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Beginning XXXX I pulled my credit reports and found a collection I didn't know about. 
On XX/XX/XXXX, I sent a certified letter to GLA Collection Company asking for debt validation. No response was made to letter. 
On XX/XX/XXXX, I received a bill of {$260.00} from GLA which did not match credit reports listed {$220.00}. Amounts owed did not match. 
On XX/XX/XXXX I sent another debt validation letter to GLA. 
No XXXX to letter. 
On XX/XX/XXXX, I sent another debt validation letter to GLA. 
On XX/XX/XXXX, I received an itemized bill. 
On XX/XX/XXXX, I sent another debt validation letter as this collection could not be verified with XXXX or XXXX it was deleted. XXXX still reports the {$220.00} owed. Amounts do not match and the company does not validate the 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 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a defaulted credit card obligation that I owed to Capital One Bank.  They filed suit against me in the Magistrate Court of XXXX County, Georgia.  A judgment was entered against me for $XXXX, on or about XX/XX/XXXX.  In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan.  I was told that I would have to satisfy the outstanding judgment lien to Capital One Bank before the re-financing could be completed.  I contacted the law firm representing Capital One Bank, XXXX XXXX XXXX, in early XX/XX/XXXX.  We reached a settlement amount of $XXXX to resolve the debt.  I spoke with attorney XXXX XXXX.  I mailed certified funds for $XXXX(cashiers check) to XXXX XXXX of XXXX XXXX XXXX  on XX/XX/XXXX.  They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX.  They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX.  Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by XXXX XXXX XXXX, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier.  My employer had been served with the garnishment and withheld 25% of my pay plus fees.  A total of $XXXX was taken from my paycheck.OnXX/XX/XXXX, I immediately called XXXX XXXX XXXX  to see what was going on.  I left messages for both XXXX XXXX and his assistant, and never received a call-back.  On Monday, XX/XX/XXXX, I again left messages for XXXX  and never received a call-back.This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25% OF MY CHECK.  AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF $XXXX.  THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED.They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED.  THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR.THE OFFENDING LAW FIRM/DEBT COLLECTOR IS:XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX(XXXX) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
An account appeared on my credit report with a balance of {$950.00} When I disputed this on XXXX XXXX which is how I found this account. I was not able to get a resolution. since then I have received letters stating that this debt is beyond the statute of limitations yet the company is still reporting this debt that I have knowledge of ever obtaining or raking up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
On XX/XX/2018 ; I started a loan modification application with my servicer, Bayview Loan Servicing. I received a notice that Bayview would transfer the servicing of my loan to XXXX XXXX XXXX XXXX on XX/XX/2018.

On XX/XX/XXXX and as of today 's date ; I have contacted XXXX XXXX XXXX  consistently about the transfer of my loan while in default and to find out whether my loan modification application package would be transferred from Bayview to XXXX XXXX.

As of this date, XXXX XXXX has informed me that they do not show any of my loan information in their system - they do not even have a loan number assigned to my loan ; a fact which has prevented me from submitting their loan number to this complaint and from getting the servicer any missing information that might by needed to make a determination on my application before the XX/XX/2018 sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
To begin with, Freedom Mortgage never responded to my complaint of XX/XX/2018. To repeat my complaint, on or about XX/XX/XXXX, my monthly mortgage was mailed to Freedom Mortgage but as of this moment ( Monday, XX/XX/2018 @ XXXX XXXX ) my check has yet to be cashed. I have contacted Freedom Mortgage many times but each time was told that my check had not arrived, per my complaint of XX/XX/2018 to the Consumer Financial Protection Bureau ( Complaint # XXXX ) I kept calling Freedom Mortgage because I was totally stressed out about their not having received my check. They kept telling me it was most likely the fault of the Postal System. On XX/XX/XXXX I again called but was again told ( name withheld ) that my check had not arrived. I suggested that it might be stuck in the mail room somewhere. I was told that this was not possible because checks are processed as soon as they arrive. Well, I called again on XX/XX/XXXX and was informed by the person who answered ( name withheld ) that my check had arrived on XX/XX/XXXX but was only processed that very day - XX/XX/XXXX! I want to submit a BIG complaint about Freedom Mortgage for their lies and their inability to process my check in a timely fashion. They do this every month, sometimes as late as just a couple of days before the XXXX of the month which is typically the date after which one is charged a late fee. This stressed me out completely because I have a very good credit rating and I do not want this affected by the gross negligence of Freedom Mortgage. I am very sorry that my last mortgage company sold my mortgage to Freedom Mortgage which has not shown to be an efficient or trustworthy mortgage company.

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 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am trying to dispute my checking account I had with bank of account because my checking account was stolen by my ex boyfriend. Now I can't open any accounts at no 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 monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have a hard credit inquiry from Bank of the West on my XXXX and XXXX  credit reports and I never signed anything authorizing them to run my credit. 

I am seeking the removal of the inquiries from both credit bureaus.

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 2018-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I made a purchase at XXXX and had a disagreement with manager policy and called XXXXXXXX XXXX XXXXXXXX XXXX to get purchase freeze until I can return phone card back to them. 

The person in Departemnt which I asked to do refused saying this was the companies XXXX XXXX policy to so. 

so with this being the case I would like and investigation.

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 2018-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC
State: MA

Complaint narrative:
Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at XXXX XXXX XXXX. And he said that it's a medical bill that came from Penerick Capital Partners which came from XXXX XXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: PA

Complaint narrative:
Dear Sir/Madam i had contacted EQUIFAX Credit Agency many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by XXXX i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago with no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 Note : what is the Equifax Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask Equifax Should care little more about consumer establish credit life in US and remove this two hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: CT

Complaint narrative:
Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
This is a qualified written request under Section 6 of RESPA to obtain any and all information regarding the true owner of the XXXX loan number : XXXX since XX/XX/XXXX, and all payments made during XX/XX/XXXX and XX/XX/XXXX for the upcoming hearing before the Ninth Circuit Appeals Court number : XXXX, as well as confirmation that the following payments were applied to my loan : Non applied funds in the amount of : {$920.00} on XX/XX/XXXX, and {$1900.00} on XX/XX/XXXXand at least 17 payments for : {$1100.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00}, on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, and {$350.00} on XX/XX/XXXX during XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2018-10-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear Sir/Madam i had contacted XXXX XXXX XXXX many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by SEARS i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago with no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 Note : what is the XXXX Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask XXXX  Should care little more about consumer establish credit life in US and remove this two hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 XX/XX/2018

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 2018-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many 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 2018-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This company continues to make false claims. This is my fourth complaint and I will need to get legal representation. 
Have pulled my credit report today XX/XX/XXXX and this shows reporting as a collection and not paid. I asked for proof rash and Curtis told XXXX to delete the debt and they didnt They said if I pulled my credit it would not show that is also a lie Now I will need to go to court to have them keep their letters claim which is to request XXXX  to delete

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
When I first purchased the car back in XX/XX/2015 I had a job with proof of income. The car salesman said my only option is to pay a high apr at 25 % interest and high car payment for one year and then refinance to drop the interest rate and payment way lower after paying all my payments on time that whole year, and so I did make the payments on time, but little did I know I went through a change of job. I went from having proof of income hoping to refinance.. to being an XXXX XXXX with no proof of income. Im paying {$720.00} a month for the past 3 years and all that money has only went to interest! Even from the start of my purchase it was a nightmare! For a whole week almost I drove around with the wrong VIN number they gave me!! Santander Consumer USA tried to help me refinance this past year, but demanded 6 recent months worth of on time payments from my bank statements. The first 2 years almost is proof I paid my ridiculous {$720.00} payment. I have more than enough proof of income through XXXX XXXX, but refinance companies only want XXXX forms and my XXXX forms are all messed up with me owing the IRS. 
Long story short I soooo desperately need help refinancing to save money now that Im in college and I'm now paying my daughters private school. 
On another note Ive always wondered is 25 % apr legal? 
PLEASE HELP! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I ordered curtains from XXXX and returned them. To pay for the order I used the XXXX credit card ( issued by XXXX XXXX ). I asked XXXX to put the return credit on my XXXX card which they did on XX/XX/18. I got a statement from XXXX credit in mid to late XXXX, not only NOT showing the credit ( so the account would have been {$0.00} ) but they added a late charge and a finance charge. I called them & explained that the credit had been sent on XX/XX/XXXX. They said they had no record of any credit refund from XXXX. In order to not have any negative impact on my credit I paid the entire balance. 
I then had several back & forth emails with both XXXX and XXXX credit. On XX/XX/18, XXXX, a XXXX customer service rep called me and we called XXXX credit. The initial rep couldn't locate a credit so she sent the call to a manager. He could see that, in fact, XXXX had send the credit on XX/XX/18 but it was " pending ''. he couldn't explain why it was pending-he said it was a computer bug that the company was aware of, but they only know there is a problem when the customer tells them. He told us it would have to be investigated and fixed by the IT dept and it would take 21 days. I checked online this weekend ( 3 weeks later ) and saw a refund check has been sent out for the late fee & the finance charge, but my original credit ( and pymt ) of {$100.00} is nowhere to be found. I called in again. Same scenario-got XXXX, a customer service manager, who said it was still pending. He couldn't tell me when to check back or who to talk with-just that I could call " anytime '' or go online " anytime '' to see if the credit has hit my account. And initially, in both calls, the pending credit was difficult for them to locate ( and I was told, initially, that no credit had been issued ). We are going into week 7 since the credit was issued with no resolution, and no interest on the Comenity Bank side in resolving this in a expeditious manner. Unacceptable.

Company response to consumer: Closed with monetary relief