vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has been ongoingly writing me since XX/XX/2018 for payments on items, that I have paid for through XXXX credit card XXXX XXXX XXXX. These items appear to be the items that were put in XXXX plan. 

XXXX XXXX XXXX contact the XXXX XXXX XXXX immediately review my account with them immediately and send them the payments for all items they did not receive their payments for. 

From home shopping networks responses in writing to me, they have not been paid for numerous XXXX  paid items that I have clearly sent payoff payments to the bank for. 



To date, I have sent full payments to XXXX XXXX XXXX XXXX to pay off all XXXX account items, with- in 30 days Or less, if items purchases. 
I need XXXX XXXX  to contact XXXX asap, review what they need and send them payments on items asap. 
I have already requested for XXXX to stop writing me and I have informed them that I have sent the full payments for all my XXXX items to the bank. 

XXXX will also be contacting you directly to resolve issue. 

XXXX is ready to send my alleged non-payment for these XXXX items to collections and this is not acceptable!!!. 
I will not have my credit hit twice on same, on going issues between XXXX and bank, period. 

Both agencies have partnered together to service consumers, so work together to fix this ASAP. 

XXXX XXXX XXXX you now have the same 10 business days, as XXXX, from today to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Notified by Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX that my personal loan had matured and that I owed $ 2,000+. I replied that I would try to pay balance by end of XX/XX/XXXX.

I realized later that I should not have such a high balance since I had been making payments ( although late ) and had not been over 30 days more than twice during the life of the loan.

I went into the branch office and requested the history of my account to see why I had this high balance. The representative could not give me an answer so I requested the history of my account.

On one of the weekly collection calls I was told that the balance was the accumulation of late charges ( 40 ) and interest.

When I received a collection call yesterday, XX/XX/XXXX, I inquired about my account history request and was told credit was still working on the request as many steps are involved in retrieving the information. Also, I was told that as I had made a payment on XX/XX/XXXX the balance had dropped to $ 1,900+.

I believe this balance is late charges & interest. I want to know whether NFCU 1 ) has been charging me late charges ( {$29.00} ) every 10 days ; 2 ) whether I am charged interest on late charges ; and 3 ) whether NFCU has reported these late charges as payments past due on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: WI

Complaint narrative:
I was coerced into signing a contract for a " timeshare '' under false pretenses. It is not a real timeshare and I am paying money every month for something that does not give me anything free. When I want to use the timeshare I am still charged hundreds of dollars. I have stated that this is too expensive and it has put me in a financial strain and it's not even beneficial to me in the least bit. However they stated there's nothing they can do. They even reported me to the credit bureau and I'm trying to clean up my credit. When I tried to talk to them ( on multiple occasions ) about relieving me of the debt they were very rude and stated it's not their problem and I have to pay! This has been a headache for me from day one and I want out!!! I should not be forced to pay for something I can barely afford and can not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Since XX/XX/18 I have been receiving calls from the following phone number : XXXX in XXXX, Washington. I am a XXXX, and my XXXX is in XXXX, Washington so when the first call came in, I picked it up, thinking that it was her. It was not. Instead, what I heard was someone mumbling something about what sounded like being transferred to 'customer service ' and then an automated recording stating the following : You will be on hold for a long time. Would you like to listen to music? Press 1. For Silence, press 2. I  hung up at that point. At no time did the caller or the automated recording say what company they were calling from. Since that time I have been averaging 1-3 calls daily from this number for a total of 34 to date. They do not leave a verbal voice mail message, although on a couple of messages the sounds of talking and office sounds can be heard in the background. After the first call, I did block this call from my phone, however they continue to call. 

My research indicates that this is a debt collection agency, however, I do not have any outstanding debt, whatsoever. Also, when I checked the XXXX XXXX reverse lookup they indicated that this is high risk number for Spam/Fraud. Also I am on the Do Not call registry

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 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX has been constantly calling me even after i told them last year to stop calling me. I have also disputed the alleged debts via certified mail and with the credit bureaus. The company did not provide any account information. All they provided was a computer printout stating that The account has been Sold to XXXX XXXX XXXX They did not provide any contract or any account statements as they are Ordered and Required to do Pursuant to the CFPB Consent Order from XX/XX/2015. Midland continues to collect on debts that they can not provide proof of and harass consumers when told i was busy at work and not to call. This is my final attempt to resolve this issue before getting a consumer protection attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed chapter XXXX bankruptcy. It was discharged XX/XX/XXXX. 

When it came up for discharge XXXX XXXX XXXX  started claiming late and missed payments. 

I sent them proof of payment in the form of canceled checks and certified mail receipts to validate my claim, that no payments were ever 30 days late or missed. 
After fixing some of their mistakes they continued to report 7 payments, 30 days late for XXXX. 

I hired a credit repair firm and on XX/XX/XXXX they sent letters on my behalf to XXXX and all three credit reporting agencies, XXXX, XXXX, and Experian. 

After reviewing my dispute, XXXX  and XXXX repaired my credit report by removing late payments from my report and are now showing paid and currant payment history for XXXX. 

Experian is how ever still showing - XXXX, XX/XX/XXXX as 30 days late, then, XXXX, XXXX, XXXX, XX/XX/XXXX as currant, then, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX as 30 days late. 

I am including copies of said letter to Experian, along with proof of payment in the form 12 canceled checks and certified mail receipts for XXXX - XX/XX/XXXX and, 12 canceled checks with certified mail receipts for XXXX - XX/XX/XXXX, and proof of XX/XX/XXXX payment with certified mail receipt. As you will see all payments are for exact amount, and there are no late payments or extra payments to bring account currant from XXXX and XX/XX/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 2018-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I sent {$1000.00} to my cousin XXXX XXXX in XXXX through Moneygram reference number XXXX. Half of the money was to be used to take my aunt to the hospital and half for my clothes. He attempted to pick the money up on XX/XX/18 at XXXX XXXX ( XXXX XXXX ) and was told that the reference number was wrong. He then called me to get the right reference number. After that, he went back to the same bank to get the money and was told that the money has been received. He explained to them that he did not pick the money but they kept telling him that the system shows that the money has been picked. He called me and informed me about. I called Moneygram and reported the case. Moneygram has refused to disclosed proof of payment ( the location where the money was picked and by whom ). Moneygram said they are investigating the case and it will take up to 90days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: SC

Complaint narrative:
With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against Experian, or not join I sent Experian a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to Experian, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to Experian, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, Experian will just add the name of the wrong person, to justify their entry. In this XXXX entry, experian previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that Experian will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.

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 2018-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I was a former returned student at XXXX college in XX/XX/XXXX and I was misled and scammed by the college " in-house '' fees. I attended one or two classes for the winter semester of XX/XX/XXXX but I had to stop working and go back on XXXX. I informed the school on several occasions that I have been on and off of XXXX since XX/XX/XXXX. The college not only misled me with promises of charges upon completion if warranted would not show up on my credit report until graduation. When I first started in XX/XX/XXXX with XXXX they added over {$20000.00} in loans but recently sent my a fee for {$5000.00}. I have only completed a year of credits that are not even recognized by another school to transfer. This school is ripping people off and putting students in financial hardship while students are on XXXX while harassing me and threatening to take my assets. I have a bill they are charging me for that was not reported to the Federal government. They make a financial gain off of the students by putting them into large amounts of debt. The college is very expensive, not a recognized/reputable college and always being investigated. I was XXXX XXXX and going into financial hardship with the out-of pocket fees. My credit report with the bogus fees and loans has damaged me from finding an apartment. This is absurd that I am constantly harassed and I am being threatened by the school to take my non-existing assets.

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 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have sent XXXX XXXX XXXX XXXX a letter on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE this debt they claim I owe them or XXXX  XXXX. XXXX, XXXX only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX saying that XXXX, XXXX owns the account and that it is not an attempt of XXXX XXXX trying to collect a debt. I am going to need VALIDATION THAT I OWE XXXX, XXXX {$360.00} and {$400.00} if they can not produce these documents I demand them to remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help

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 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I got the 1st closing notice back in XX/XX/XXXX and got a couple of closing notices afterword. Until now ( XX/XX/XXXX ), I still don't have a closing date. My attorney had provided whatever they want in a timely manner but the Bank keep coming up with new document requirement. At the same time, mortgage rate is increasing. Therefore, I insist that the Bank is intentionally holding off my closing and wait for the rate to increase. Whenever I contact the bank for an update, I got no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 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: SC

Complaint narrative:
With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against XXXX, or not join I sent XXXX a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to XXXX, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to XXXX, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, XXXX will just add the name of the wrong person, to justify their entry. In this XXXX entry, XXXX  previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that XXXX will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
This company was retained by the original creditor and the original creditor failed to bill the health insurance company in a timely matter. This stemmed from an auto accident case. The original creditor waited over a year to bill the insurance company. The insurance information was provided at the time of service ( in XX/XX/XXXX ). They waited to bill me untilXX/XX/XXXX. I worked with the health insurance company and their Director tried to get the provider to file the claims so that it could be processed. However, because the provider waited over one year to file the claim, it caused the claim to be denied for timely filing. They are contracted with my insurance company and should have filed the claims in a timely manner. I had no idea that the provider hadn't submitted any of these claims and had to call them and ask them to submit the claim. They should not be allowed to submit claims at their leisure and then try to collect payment because they've failed to submit the claims in a timely fashion. I've tried to communicate this with the provider. I even leveraged the insurance company who tried to get them to submit the claims to at least have them processed and in their system. Providers should not be exempt from having to submit claims to insurance companies in a timely manner. I understand that they treat people with auto accident injuries and would rather collect rather sums of payment if the case settles or a judgement is awarded, however, not to process insurance information to try to jeopardize the patient 's financial situation is not fair.

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 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: EMG ACQUISITION GROUP, LLC
State: LA

Complaint narrative:
I was disputing a loan amount and requested that in the interim, my account with the payday loan company be transfixed until the issue of my consumer rights violation could be resolved and the company never responded to CFPB and Im turn, CHARGED my bank account for {$380.00} on XX/XX/18, this causing me to be late with other bills. I was consequently assessed a {$130.00} lien fee to my storage unit because I couldnt pay them, because XXXX XXXX XXXX TOOK the money and was NOT authorized on XX/XX/2018 to do so. I hereby dissolve and rescind and/or revoke any and all of their claims ( real and perceived or implied ) to any authorization to my bank account or applicable cards in case there should be any further mishap ; this statement by myself is thereby documented via this complaint as such.

Company response to consumer: Closed with explanation