vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: KS

Complaint narrative:
The collection agency, Credit Management, is reporting to XXXX a debt I do not owe. I sent them a letter requesting validation of the debt and they did not respond. I do not owe the debt being reported. The debt is for the original creditor, XXXX XXXX. I currently have service with XXXX XXXX and they do not show that I owe them anything other than my current bill with them. I have uploading a copy of my current XXXX billing showing I do not owe a past due amount. XXXX XXXX recently changed their name to XXXX but it is the same account. It is common knowledge that XXXX XXXX does not allow people to open a whole new account if that person owes them a previous bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I received an offer from Barclays Bank for XXXX bonus miles. The offer said : SPEND {$2500.00} or more.using your XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX and youll earn XXXX bonus miles ( Slide 1 ) I went online to sign up for the offer and received the message : Register now to earn XXXX bonus miles when you SPEND {$2500.00} or more in purchases every month from XX/XX/XXXX through XX/XX/XXXX ( Slide 2 ) They now refuse to give me the miles because they argue I spent {$2300.00} and not the required {$2500.00} in XX/XX/XXXX ( Slide 3 ). A look at my credit card statement shows they recorded purchases from XXXX for {$93.00} and XXXX for {$71.00} on XX/XX/XXXX and XXXX for {$50.00} on XX/XX/XXXX. ( Slide 4 ). I went to my accounts with the above mentioned companies. Slide 5 shows that the XXXX  payment ( see more about this payment below ) took place on XX/XX/XXXX and was processed on XX/XX/XXXX. Slides 6 and 7 show that the XXXX and XXXX payments took place on XX/XX/XXXX. If we add these payments to my XX/XX/XXXX totals, I did SPEND over {$2500.00} ( $ XXXX+XXXX+XXXX+XXXX= {$2500.00} ). I took a screenshot of my account ( Slide 8 ) on XX/XX/XXXX at XXXX. It shows available credit for {$16000.00} on revolving line of {$19000.00}. That is because I was SPENDING money to make sure I met the threshold, which I did ( $ XXXX- $ XXXX= {$2500.00} ). On XX/XX/XXXX, I contacted the bank regarding the transaction dates ( Slide 9 ). The CSR acknowledged that the transaction, authorization and posting dates may be different. In fact, slide 5 shows that I made the XXXX payment ( SPENT ) on XX/XX/XXXX which they processed on theXX/XX/XXXX. Slide 8, which is from the bank web page, shows they received a request for a temporary authorization on XX/XX/XXXX, but they registered the transaction on XX/XX/XXXX ( Slide 4 also from the bank ). Three different dates for the same transaction, a 2 day lag between the day I SPENT the money and the day the bank recorded it. I faxed the appropriate information to the bank on XX/XX/XXXX, contacted them on XX/XX/XXXX and then called them on XX/XX/XXXX. They refuse to give me the bonus miles. I can control my spending, I can not control when the merchants or the bank register my spending.

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 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
( # 1 ) Upon reviewing my credit reports, I found a collection account listed under a company called LJ Ross. On X/XX/17, I sent them a letter disputing the account. I requested validation of the debt. They were informed that if they can not validate the debt that as per FCRA 611 ( a ) ( 5 ) ( A ) they must delete it. They had 30 days to validate/verify this debt. ( # 2 ) This is proof that LJ Ross received and signed for the letter on X/XX/17. ( # 3 ) Collection letter from LJ Ross dated X/XX/17 received telling me that XXXX had turned this account over to them and that I had 30 days to dispute the validity of the claim, although I have proof that they had already signed for and received the dispute on this account. ( # 4 ) These are copies of the LJ Ross account on my XXXX account showing that they complied with the FCRA regulation to mark my account as disputed. They did this within the required timeframe. ( # 5 ) Letter from LJ Ross dated XXXX/XXXX/XXXX, This was a basic letter saying they received my dispute, they enclosed 2 statements and that was it. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized statement does not constitute verification. ( # 6 ) Copies of the XXXX statements sent with the above letter. ( # 7 ) My reply letter to LJ Ross dated XX/XX/XXXX. I let them know that they have AGAIN failed to provide me with any viable evidence of the account being reported accurately. They have basically put that account on my credit report, sent me an old statement with no proof and never responded again. ( # 8 ) Proof that the letter was received and signed for on XX/XX/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 2017-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES REFUSES TO SEND ME ONFORMATION TO VALIDATE A DEBT THE CLAIM THAT I OWE. I BEGAN CONTACTING THIS COMPNAY ON XX/XX/XXXX AND REQUESTED A VALIDATION OF DEBT ... AFTER NOT RECEIVING IT I CONTACTED THEM AGAIN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND THE LAST TIME WAS XX/XX/XXXX. APPARENTLY THIS COMPANY HAS A " LITIGATION ' DEPARTMENT AND I WAS TRANSFERRED TO THIS DEPARTMENT AND SPOKE WITH SOME LADY BY THE NAME OF XXXX XXXX. SHE HAD NO IDEA WHAT A DEBT VALIDATION WAS SO THEN I WAS TRANSFERRED TO SOME LADY NAMED " XXXX '' SHE WAS NASTY WITH A FLIP MOUTH AND ONCE AGAIN SHE HAD NO IDEA WHAT A DEBT VALIDATION IS. SO AFTER BEING TRANSFERED TOABOUT 4 PEOPLE I REFUSED TO TALK TO ANYMORE AND DECIDED TO SEND A SECOND DEBT VALIDATION REQUEST THO THIS COMPANY. A FEW MINUTES LATER I GET A EMAIL TELLING ME THAT PORTFOLIO RECOVERY HAS ADDED THIS ALLEGED ACCOUNT TO MY CREDIT REPORTS. WITHOUT VALIDATING THE LLEGED ACCOUNT WITH ME. FURTHERMORE THE ACCOUNT HAS BEEN IN WHAT THEY CLAIMED WAS A " DISPUTE '' PROCESS FOR THE LONGEST. THIS CLLECTION AGENCY HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AS WELL AS THE FAIR DEB COLLECTION PRATICES ACT. WHEN YOU CONTACT THEM NONE OF THEM ARE EDUCATED ENOUGH IN DEBT COLLECTING TO KNOW WHAT DEBT VALIDATION IS. EVERY PEACE OF PAPER THEY SENT ME SAYS AT THE BOTTOM " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IT IS NOT AN ATTEMPT TO COLLECT A DEBT. THEY NEVER SEND ME ANY STATEMENTS OR A CONTRACT OR ANYTHING THAAT SHOWS THAT I AM RESPONSIBLE FOR THIS ALLEGED DEBT. BUT THEY PULLED THE " SILENT TREATMENT '' BY ADDING IT TO MY CREDIT REPORTS. YET THEY HAVE OT VALIDATED THIS ALLEGED DEBT WITH ME. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX AND THYE STILL HAVE NOT PROVIDED THE INFORMATION. FUTHERMORE THEY HAVE ADDED THEIR OWN COMMENTS TO MY CREDIT REPORT CLAIMING THE DID AN FCRA INVESTIGATION BUT I HAVE NOT SEEN THAT INVESTIGATION INFORMATION EITHER. AFTER TALKING TO ONE OF THE REPS FROM THE CREDIT BUREAU SHE CONFIRMED THAT THEY DID INDEED ADD THE COMMENT WHEN THEY REPORTED IT TO THE CREDIT BUREAU. NO INVESTIGATION WAS DONE!!! THEY WERE ASKED FOR A VALIDATION AND THEY HAVE NOT PROVIDED THE INFORMATION THT WAS ASKED OF THEM. IT 'S A VIOLATION TO SILENTLY ADD UNVALIDATED AND INACCURATE INFORMATION TO A CONSUMERS CREDIT FILE. ONE WOULD THINK THAT THEY KNOW THE FDCPA LAWS AS WELL AS THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: ID

Complaint narrative:
I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. 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 2017-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. 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 2017-08-07 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
With my MasterCard Gold Card under Barclays Bank, I am having issue with them not giving me my SCRA benefits under PA State law Title 51. Under Federal Law I do not qualify since my active duty start date is before I open the account. But under Title 51 of PA state Law, It requires that all banks who do operate in PA follow not only federal law but state as well. I know I have these benefits  because XXXX XXXX gives me these benefits because of my residence to PA and not my XXXX XXXX start date. I opened the account in XX/XX/XXXX time frame and sent the Law to Barclays where the continued to deny my benefits back in 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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I contacted XXXX XXXX XXXX in reference to late payments displaying on my credit report. My account was in forbearance during the time the of the " late payments ''. XXXX XXXX XXXX reported to me there would be nothing they could do to change my credit reporting and that I would only be able to have the late payments removed by contacting the credit bureau. Upon contacting Equifax on XXXX XXXX,2017 I  explained to Equifax and provided the letter of forbearance asking that the late payments be removed from my credit report. Equifax refused to remove the late payments. I am desperately attempting to clean up my credit report and since the accounts were in forbearance at this time, the could n't possibly late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Since XXXX of 2016 Nationstar Mortgage has posted payments at their will with no particular pattern at times to the regular payment then at times to the principal. This type of posting gives the appearance that I am missing payments. Then they even charge late fees.
This is a never ending dispute with hours on the phone with Nationstar saying they 've corrected the issues and made the appropriate adjustments to the Loan.
They constantly harass me for missed payments which solely lies in their accounting and servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On XXXX/XXXX/17 approximately at XXXX XXXX I received a call from Aargon agency regarding two accounts that they had of mine is from XXXX XXXX XXXX. I ca n't remember the young lady name on the other end of the phone but she was giving me a different amount than what I had on my credit report because of nonpayment. One account was for {$820.00} and other one was for {$400.00}. The lady on the phone with trying to con me out of the extra hundred and something dollars she said they were a {$62.00} and some change an extra {$42.00} and some change for the other account for nonpayment. I told her that I was not paying no extra money for the XXXX nor for the other account and the XXXX they wanted {$42.00} for the other account for nonpayment. I said I 'm not paying extra only what 's on my credit report she could take it or leave it. She told me that I could call back and she can get that amount waved. I feel like they where trying to take advantage of me. Both of these account has been paid thru XXXX XXXX, I spoke with XXXX XXXX to get these two account off my credit report so I can go head and put XXXX XXXX, But Until AARGON AGENCY Removes this from my credit report, I can not get Power in my name until Aargon AGENCY Removes this from my credit report. I have both confirmation Number from XXXX XXXX.
# XXXX  {$820.00} # XXXX {$400.00}

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 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have received so many call about student loans.. and have spoke to someone and that said the took care of the issue since I have made arrangement. Yet I still get call. Just to also find out that they were also calling my mother 's house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: MA

Complaint narrative:
On XXXX/XXXX/17 I called Home Shopping Network ( HSN ) at XXXX to order an item for {$49.00}. XXXX, the representative, told me if I opened an HSN credit card I could take {$40.00} off my total. I agreed and she processed my order. I then asked her what the interest rate was on the credit card. She replied that after we were finished, I should not hang up ; I would be transferred to a recorded message and terms would be disclosed. We finished and I did hear a recorded message about the account, but there was NO MENTION of the APR, or any other financial information about the account. Only when I received the card with the agreement in the mail did I learn the interest rate is 27.74 %.
I have attempted to email HSN at least ten times through different " Email Us '' links on their website, and using two different browsers. No email will go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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:
This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not belong to me.

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 2017-08-07 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:
This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not belong to me.

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 2017-08-07 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:
This is an error. It does not belong to me. XXXX XXXX In Opened XXXX XXXX, 2016 It has already been removed from the other 2. I promise it does not belong to me.

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 2017-08-07 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:
This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.

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 2017-08-07 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:
This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.

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 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I made a full monthly mortgage payment for {$590.00} on XX/XX/XXXX to Ditech it has NOT been applied to my account as of XX/XX/XXXX therefore misrepresenting the account status to me as well as credit reporting agencies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.

Company response to consumer: Closed with explanation