vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have had a credit card with XXXX through Comenity for several years and rarely use it. I used the card over XXXX and completely forgot to pay the bill. I went in and paid online the balance ( 1 day late ) not realizing there was a late fee associated with the account. I received a phone call ~ 60 days later saying I was delinquent. I called, fully prepared to pay the late fee, and the late fee associated with the late fee, and close the account. The first representative took care of one late fee and said she couldn't close the account for me and transferred me to a care specialist. This person asked if she took care of the late fee would I not close the account. I said if there's a XXXX balance I won't close the account. She confirmed with me that there was a XXXX balance. Then, on XX/XX/XXXX, I received another collection call, this time for 4 late fees. So now I'm up to {XXXX}, all in late fees and interest associated with the first WAIVED late fee. I was on the call for 45 minutes while they tried to figure it out and was magically disconnected. I called back and was placed on hold, and again, magically disconnected. When I called back a few days later I was told the customer care manager would get back to me, and nothing. Now I'm in collections and can not get anyone at Comenity to speak about my account. I am a loyal XXXX shopper ( even without the card ) and I really think they should be questioning their partnership with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners
State: FL

Complaint narrative:
On XX/XX/XXXX, my husband received a voice message from First Equity Alliance ( Phone # XXXX ) for me regarding a civil complaint ( case # XXXX-XXXX ) that was filed against me. When I returned the call to find out about the matter I spoke with a very rude lady who spoke forcefully explaining that I owed an old debt debt ( XXXX XXXX XXXX ) and that I was in the process of being sued for {$4100.00} including attorney fees. I explained to her that this debt was paid, she then stated that their client XXXX XXXX was the owner of this account which was not paid and that I may have paid this debt to a fraudulent company and she would place a courtesy hold on the process until I produce the proof and send to XXXX. After getting my documentation, I learned from my daughter that a message was left of her phone as well, regarding this same matter and the person from first Equity Alliance not only mentioned my name but frequently mentioned her name as well. So, I called First Equity Alliance back and spoke to XXXX XXXX, he also explained that the call was being recorded and that I was being sued, and that I received documents at a previous address 45 days ago to settle the matter for {$1200.00} ( which is not true ) and stated that once the suit was filed that they could garnish my wages, place a lien on any of my property and have access to any and all FDIC accounts that was attached to my name in pursuit of this debt and that I would be served by a civil litigator on Monday or Tuesday. So I then asked for their documents to be sent directly to me for my records and he stated that he would have to speak to his manager and that if approved he could sent it to my email. I then gave him my email address and hung up. After a couple of hours, I called First Equity Alliance back, the same XXXX XXXX answered and I asked for the documents a second time, he assured me that he would check with the accounting dept to ensure that I receive their documents. I still have not received anything yet. The most disturbing parts to this is that this debt was paid off since XXXX, and that they called my daughter and mentioned her name in this matter and then spoke to me in a most disrepectful manner. Your immediate assistance in this manner is greatly appreciated. ( Voice message can be provided if needed. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had visited XXXX XXXX XXXX  in XXXX, PA on XX/XX/2019 with my girlfriend and some of her friends and sat down at a table. Our server ordered/brought our drinks to us at our table. That night I spent {$100.00} on my card, including tip, and left around XXXX. As I left and got into my XXXX, I was notified by Chase Fraud that I had two more charges to my debit card from XXXX XXXX XXXX. 

I immediately called and disputed the charges, they reversed the payments and credited my account for the total of the two transactions of {$100.00}. Then Sunday, XX/XX/XXXX, I get a letter from Chase saying that upon further review/investigation the transactions were authorized and they'll be deducting the credit from my account. I know for a fact that I did not sign three separate receipts that night and only spent the {$100.00} that I did not dispute. 

I called back Chase to argue about this and they said theres nothing they can do since the company provided them with receipts of the three transactions that supposedly have my signature. I asked them to send the transactions/receipts to me so I can compare the one receipt that I signed to the other two that I know for a fact I did not sign. I received the documents in the mail and the signatures do not match whatsoever. But since the restaurant provided them with receipts from that night using my card and there were signatures on the receipts theyre saying they cant help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
With TRANUNION I have 42 inquiries that I didnt make I have made several attempts to dispute them but they keep going up Same With XXXX I have 81 inquiries I have had no progress with the bureaus it is fradulemt activity if I dont have an account attached to it I did not make it. 
A good portion of these inquiries I was under the age of XXXX in the state of Georgia that is illegal they are not any help. 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 explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I received a letter dated XXXX XXXX from XXXX XXXX that it was transferring my loan servicing to Specialized Loan Servicing ( SLS ) in XXXX, Arizona. 

I was not concerned at first. But then, there were nothing but problems with SLS from the day of the transfer. It took weeks to even speak with a person from SLS about the transfer. 

Once I spoke with a representative, I set up weekly mortgage payments, as I had done with XXXX XXXX for years and I never had any issues. 

Once the ACH debit was set up and confirmed via phone and I received an " Electronic Funds Transfer Enrollment Confirmation '' -- I thought everything was set up and expected smooth sailing. 

My first payment was applied to my payment as set up. 
My second weekly payment was applied to principal, not as a payment, potentially making my full payment late. And then, I received an " Automatic Payment Cancellation Notice '' letter dated XX/XX/XXXX explaining that the ACH had been cancelled. 

I spent hours on the phone and on hold trying to correct the misapplied payment and trying to figure out why the ACH was cancelled to no avail. It was very stressful. I never experienced this situation and I have owned a home for 25 years. No one at SLS ever returned calls as promised. Then, I read reviews on the XXXX XXXX XXXX with people citing the same problems of cancelled ACH and misapplied payments. 

Several, like me with a credit score above 800, cited they never resolved the payment problems and that their credit score dropped because of a supposed missed payment. These folks warned others to refinance quickly before credit scores dropped because of SLS mishandling payments. 

This concerned me greatly. After 7 hours on hold, I realized I had to refinance quickly. This cost me about me about {$5000.00}, but thankfully, I am away from SLS. 

Please research this servicing company, this company needs to be shut down. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: FL

Complaint narrative:
During a conversation with Enhanced Recovery they demanded immediate payment of the alleged debt without informing me of right to dispute the debt, even though I had disputed it, according to the unlawful debt collection and validating. 

The debt collector threatened to garnish my wages if I did not pay the debt. The debt collector informed me that the company would seek alternative ways to have the alleged debt paid if I did not pay, something I interpreted to mean the company would sue me. 

Despite requests that Enhanced Recovery cease calling, the agency continued to pursue after me, using an autodialer system to place repeated collection calls. 

I never provided my cell phone number or consent to be contacted by Enhanced Recovery. 

The calls were intended to unjustly condemn and vilify me for non-payment of the debt I allegedly owe, and to produce an unpleasant and/or hostile situation between my family and I. This company has caused my family and I mental distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
With XXXX I have 42 inquiries that I didnt make I have made several attempts to dispute them but they keep going up Same With Equifax I have 81 inquiries I have had no progress with the bureaus it is fradulemt activity if I dont have an account attached to it I did not make it. 
A good portion of these inquiries I was under the age of XXXX in the state of Georgia that is illegal they are not any help. Please Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCSPLUS INCORPORATED
State: SC

Complaint narrative:
XX/XX/2017 for the amount of {$490.00} Collection placed on my credit profile with no knowledge of contract or ever doing business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: MN

Complaint narrative:
Website has been shutdown for the past couple days without any notice. I am unable to submit my loan payment in time because the website is down. I am unable to contact their customer service because the website is down. This has happened a couple of times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit file ( # XXXX ) and I observed the following errors : XXXX XXXX XXXX # XXXX : Pay status shows a chapter XXXX bankruptcy XX/XX/XXXX which is inaccurate. There is no record with XXXX XXXX County of me filing a chapter XXXX bankruptcy on XX/XX/XXXX. The date closed is inaccurate as well stating the closed date was XX/XX/XXXX. 
XXXX # XXXX pay status shows a chapter XXXX bankruptcy on XX/XX/XXXX which is inaccurate as well. The closed date is stated on the same date that they claim the chapter XXXX bankruptcy was filed, 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 2019-06-30 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: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Waypoint Resource group is falsely reporting a collection account on my credit report that was previously removed in my identity theft case. They're falsely reporting a opening date for a account with XXXX which I have never opened a account with. They are violating my rights to fair credit reporting in several ways and I plan to take this isuue to court if this collection account is not removed from 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 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: SC

Complaint narrative:
{$190.00} XX/XX/2018 collection account placed on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
{$580.00} XX/XX/2018 collection account placed on my credit profile.

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 2019-06-30 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: GA

Complaint narrative:
My name is XXXX XXXX-XXXX and I have filed multiple complaints with Experian, XXXX and XXXX regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.

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 2019-06-30 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: NC

Complaint narrative:
XXXX and TransUnion repeatedly reports these fraudulently accounts on my credit report after it has been removed from XXXX, I have been trying numerous of times to get verification from XXXX and TransUnion to remove these fraudulent accounts as follows : XXXX XXXX # XXXX XXXX XXXXt # 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 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: SC

Complaint narrative:
{$340.00} XX/XX/2017 collection account placed on personal credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
The collection agency IQ Data international has repeatedly violated my fair credit reporting rights. I have filed a identity theft report with the Federal Trade commission which I have forwarded that report to IQ Data International so that the fraudulent collection account that they're reporting on my credit reports can be removed. They have not been in compliance for fair credit reporting by continuing to ignore my identity theft report which is a legal document from the FTC. By law they are required to remove this information and they continue to report it on my credit reports. I have once again attached a copy of this report along with this complaint to be forwarded to IQ Data international and ask that they comply with my rights as an identity theft victim and my rights to fair and accurate credit reporting, this is my final attempt before taking this issue to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: GA

Complaint narrative:
My name is XXXX XXXX-XXXX and I have filed multiple complaints with XXXX, XXXX and TransUnion regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.

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 2019-06-30 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: GA

Complaint narrative:
My name is XXXX XXXX-XXXX and I have filed multiple complaints with XXXX, Equifax and XXXX regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone fraudulently opened a XXXX XXXX account in my company name with my personal name attached it to. I did not open the account and I have told Wells Fargo Bank that on numerous dates. They are continually contacting me by mail and phone in a attempt to collect funds that I do not owe.

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 2019-06-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting inaccurate, incomplete and unverifiable information. I have given them plenty of opportunities to fix the error but they allow their disputes to be completed by an automated machine and as a result i have suffered with inaccurate information on my credit profile for a very long time. This is a blatant disregard for the FCRA and the " reasonable '' investigation to be conducted by Equifax. This has likely cost me thousands of dollars in interest payments. 

I am requesting Equifax to complete an actual investigation and remove the following items from my credit profile : 1. " XXXX 's XXXX XXXX '' - Account opened XX/XX/2018, has a balance of {$200.00}. Original creditor listed as XXXX XXXX XXXX XXXX To date I have not been given proof of what this debt is nor of my agreement to pay. I have allowed Equifax more than 30 days to produce the information and they have failed to do so. As such the account is to be removed from my credit report by the FCRA. 

2. Ch XXXX Bankruptcy - Equifax cites the source of this information as XXXX. I have contacted XXXX and they have confirmed that Equifax has not contacted them to verify the information. They have also confirmed that they do not share this information with Equifax. As more than the time allowed has been provided, this public record is to be removed from my credit report by the FCRA. 

3. XXXX XXXX XXXX - Reporting a balance of {$5500.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report. 

4. XXXX XXXX XXXX - Reporting a balance of {$390.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC
State: NV

Complaint narrative:
Please see attached report. This is not my account

Company response to consumer: Closed with explanation