vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Disputes were sent to Transunion on XXXX XXXX, XXXX asking them to validate the debts by providing proof that these belong to me and are reporting correctly on my credit report. Transunion responded by sending updated credit reports stating that the debts had been verified, however did n't provide proof of how they came to those conclusions.

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 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
This debt from this company is 4 years old which was previously taken care of back in XX/XX/XXXX with my insurance, and now they've decided to place it on my credit in XX/XX/XXXX, which was outdated and never reported within the time frame of 60 days after the debt occurred. In fact according to the FDCPA is too old to collect on, being that interest is added to an old debt that should have been reported back in XX/XX/XXXX not 4 years later. I called and spoke with a rude representative who threatened that this would continue report to my credit even after I advised that this matter is incorrect. I am in the process of buying a home and this is hindering me from moving forward and it's causing emotional and physical stress. I am in the process of filing a lawsuit if we can't get this matter resolved correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I called to ask for pay for delete letter for the $XXXX debt that I had with Portfolio Recovery before I paid it. They said that they couldn't send one before but when they got the payment in full, that they would delete the account from all credit reporting agencies within 30 to 45 days. When I called about a month after it as paid the rep told me they couldn't delete and that they would send me a paid in full letter. They claim the calls are monitored and recorded, so I would like for them to go over my conversation with the rep who told me the account would be deleted from all credit reporting agencies and delete this account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 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: CNG HOLDINGS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an email XXXX XXXX, 2017 to apply for a Delta Gold American Express card with no foreign  transaction fees, and if I spent {$3000.00} in the first 4 months of receiving the card ( which I did within 2 weeks of receiving mid XXXX ), I would receive XXXX airline miles into my Delta account. I have the email. I waited 2 billing statements but didnt receive the miles. After calling Delta credit card services and AmEx credit liaison supervisors several times, was given the its the other parties responsibility over and over. Finally I was told it was an internal problem with AmEx ; they issued cards to previous card holders and the promo was only for new card holders which I was. I was given complaint # XXXX on XXXX XXXX, XXXX by supervisor liaison at AmEx XXXX XXXX. I checked a week later as she suggested, was shunted around and no one was aware of this problem. It was once again the other parties problem. 

This is fraudulent advertising. I did everything right. I still do not have the XXXX miles. I have been a loyal Am Ex consumer since XXXX. My husband is a Platinum/Diamond Delta business traveler and we both have been loyal to Delta for our trips. No one is taking responsibility for this fraud. Please help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was approved through Comenity Bank for the Victoria 's Secret and XXXX XXXX and XXXX on XXXX/XXXX/XXXX. 
I was then contacted by mail I needed to provide proof of identity. I sent in my Drivers license, SS card and proof of address. My cards were immediately closed and I was sent a letter saying they suspected fraud. 
I was told the accounts would be taken off my credit report. It has been 4 months and I have XXXX derogatory accounts saying " Account XXXX by XXXX XXXX ''. 
I still have no idea why my accounts were closed. I did n't even use them before they were closed within 2 months of being closed. 
Please remove these cards off my credit report. Currently you have these XXXX cards reporting to XXXX and XXXX. I am trying to clean up my credit to buy a house and this is hurting my score immensely. 

NY XXXX CO credit limit {$250.00} Victoria 's Secret credit limit {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request” which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I cannot be the only one…The account in question are as follows:ACCOUNTSXXXX XXXX 		          	****XXXX				           XXXX   			****XXXXXXXX   			****XXXXINQUIRIES	XXXX XXXX XXXX			XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXXPUBLIC FILINGS	XXXX XXXX XXXX XXXX/XXXXXX/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 non-monetary relief
Consumer complaint received 2017-10-03 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received a " bill '' dated XX/XX/XXXX from this company stating that I have an unpaid debt with them in the amount of {$1000.00}. I have never had any dealing with this company. On XX/XX/XXXX they signed for a certified letter that I sent them requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

I requested that I am asking for validation ; that is competent evidence bearing my HANDWRITTEN signature ( not a computer generated signature ), showing that I have ( or ever had ) some contractual obligation to pay them. I also advised, that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, or have never owed, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I did not receive any validation or correspondence from them. 

However, what I did receive was a notification from my credit monitoring service that they placed not one or two derogatory marks on all 3 of my credit reports but four ( 4 ). One on XX/XX/2017 ( before their initial " bill '' and the second on XX/XX/2017 ( 2 days after receiving my letter requesting validation ), XX/XX/2017 ( just after I filed a complaint with the BBB ) and the last one noted on XX/XX/2017. Making 4 negative entries on my credit reports has caused my credit score to drastically decrease between 20 - 45 points ( depending on the credit bureau ). These marks are clearly retaliation for me challenging them.

XXXX XXXX  never responded to me directly from the certified letter I sent them. They only responded to me through my complaint with the BBB, Their " verification '' is an itemized bill. According to XXXX ( attached ) this is NOT " verification ''. 

Removing ALL items that they placed on all 3 of my credit reports immediately and permanently. If this is not done within 30 days, I will be filing a suit in court and seeking a minimum of {$1000.00} in damages per violation for : a ) Defamation, b ) Negligent Enablement of Identity Fraud, 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

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 2017-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I've called monthly to try and arrange payments and navient will not work with me. i dont have specific dates. now I am being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Approximately 2012, I had subscribed to pet insurance through XXXX hospital for my furry loved one. After a period of time, I felt I could no longer afford the monthly payments for the premium and called to cancel my his coverage. Several years later, I found an item on my credit report stating that I owe the company $XXXX!. When I called to ask, they said, they had record of my cancellation but that I am still responsible for the remaining bill. This seemed fishy and don't feel comfortable paying for a bill for which services haven't been provided.

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 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Prior complaint XXXX was closed and I am still receiving automated calls and automated messages filling my voicemail after company sent communications that I would not receive further calls. 

You have a copy attached to complaint from 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 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company XXXX XXXX is reporting on my credit report with a debt owed. 

I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. 

My next step is to start ligitation against XXXX, transunion and 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 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Never had a signed agreement with XXXX XXXX to charge interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I went on XXXX to book a hotel on XXXX XXXX. Like on most of the websites you search for the place you want to stay and dates. After I got the confirmation Email I noticed that the hotel they booked me was in a completely different XXXX Island that I didnt search for. I called XXXX to get this resolved and they answer was simply that they cant refund anything. Causing me for that reason to book my XXXX trip with XXXX for pretty much the same amount using the same credit card so i can prove lateer on to citibank what XXXX did. So I went ahead and file a complain with Citi bank on the credit card they charge me to get this fraudulent transaction reported. After a month I received a letter from Citi saying that they reverse the transactions because XXXX simple response and said that my transaction was not refundable. This is stealing consumers money, plain and simple. I feel betrayed by Citibank which i been with them for many years. 
Date XXXX/XXXX/XXXX Ammount {$1400.00}

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 2017-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Given bogus account numbers theft of funds screamed at by staff illegals on call refused checks basically lied too XXXX, told a bout thirty min ago my acct, number do n't work.ssi ssa checks missing this banks a failing XXXX, XXXX bank it 's nothing.s sections,1692 e -- k, ,violates regarding misrepresentation, n false statements n lies n debt collection or elevating I should say theft vs my funds n my account about two days ago I was told $ XXXX, some change in account n ssi ssa check had n't hit yet, but XXXX $ is missing banks not coughing it up fine this bank to for disclosure scams solicitation by illegals on call of id theft victim XXXX, and basically when u call debit card number it dispelles, all your data on thee,  call to whoever may have gotten your card huge security breach XXXX XXXX, there shut Huntington down the calls are recorded for quality control purposes so if you think I 'm lying just took the call she said the bank number after giving it to her the Immigrant lady female XXXX she said that it did n't work what they gave me a non-working bank account number than what the XXXX I never delegated any Authority or assigned any power through my words verbally to the bank telling them to take my money and still it move it or nothing like that so I do n't know what 's going on with my checks from Social Security and XXXX getting his Banks XXXX I rest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Popular Mortgage of XXXX XXXX has announced all over XXXX that they are offering relief for the hurricane by allowing customers to miss the next 3 months of mortgages, and loan Payments. This was automatic unless you were behind. Even when my mortgage has never been behind, I called to make sure my credit would not be affected. Although it wont, they are not telling people that they have to make up all of the payments in XXXX. This can potentially put many people in the streets. I for instance wold have had to make a prohibitive {$4000.00} payment in XXXX. This is a very irresponsible and fake announcement. They are lying to consumers, people who are already going through an extremely hard situation because of these XXXX category XXXX hurricanes. They are taking advantage of people under such dire situation.

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 2017-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens Bank has refused to transfer an investment account to another bank. They have put XXXX XXXX blocks, denied access, and altered documents to prevent me from withdrawing an investment account. They have igned my numerous requests and correspondence. I am XXXX for my uncle, and they refuse to acknowledge my authority to handle his account. They purposefully altered a notorized document to prevent me from making a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: LA

Complaint narrative:
I have filed XXXX to Transunion, XXXX & XXXX XXXX have XXXX XXXX XXXX off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which XXXX XXXX, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all XXXX 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 2017-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. Capital One failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under XXXX U.S.C. XXXX ( b ) ( l ) ( A ) through XXXX U.S.C. XXXX ( b ) ( l ) ( XXXX ). XXXX. With the failure to request removal of the Capital One trade line, and the failure to request the tradeline be marked as XXXX in dispute, my XXXX XXXX, a benchmark for near all facets of life in today 's society, was artificially deflated. Capital One 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax data breach has negatively affected my credit score score dropped 58 points without reason over night. I have tried multiple numbers to reach them and can not connect to a agent to resolve my issue. This information may adversely affect the mortgage loan process I am in at this time. I want equifax to adjust my file to accurately reflect my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
Horrible Customer service. Account number on my billing statement was not correct. I waited XXXX minute to get a not accurate payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JMAC LENDING INCORPORATED
State: GA

Complaint narrative:
My name is XXXX XXXX, JMAClending is my loan company. I have been having trouble with my mortgage payment getting higher every month without explanation .My mortgage payment for XX/XX/XXXX was XXXX Payment due on XX/XX/XXXX. XX/XX/XXXX XXXX payment due on XX/XX/XXXX.statement dated XX/XX/XXXX XXXX Due date XX/XX/XXXX. I do not understand why my payments are so XXXX  up. My phone # is XXXX or XXXX If you need copies of statements I can send them. Address XXXX XXXX XXXX XXXX XXXX, Georgia XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation