vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC.
State: TN

Complaint narrative:
I have previously sent you a request to validate my debt per the Fair Debt Collection Practices Act ( FDCPA ). It has now been more than 130-days, A period that I felt was very reasonable. However, Ive noticed that this account is still on all three of my credit reports Even though you have provided nothing in the way of proof that this is my debt, that you are legally entitled to collect this debt, and accounting of the amount of the debt. 

As Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is  validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

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 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a loan with TD BANK USA/XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and TD BANK USA/XXXX  XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Some random XXXX debt appear in my credit score saying it went to collection. I have NEVER been a client of XXXX XXXX XXXX I was a victim of identity thief when XXXX had their security breach and this was how they got my identity. This debt is not mine and is ruining my excelent credit. My name is XXXX XXXX XXXX and I live in Illinois, I haven't even been in the state where this debt is coming from. Please fix this as soon as posible because I will be in the process of buying a property and this will hurt my chances of getting it. 

Please contact me via email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: PA

Complaint narrative:
There was a fraudulent credit card account opened in my name without my consent on XX/XX/2010. I dont know how it was opened, but Ill assume it probably was opened online. When I first noticed the credit card on my credit report in XX/XX/2010, I contacted both discover card and all three credit bureaus to file a dispute. I filled a police report with the XXXX Pa, Police department. I sent discover card and all three credit bureaus copies of the police report. I ask them all to remove that fraudulent account off my report immediately. I also ask discover card to provide me with proof as to how was the card opened without my consent/ signature. They never was able to provide me with that information. They did put in a dispute on my behalf and said the results was that it was my account anyway. The only credit bureau that removed it from my credit report was XXXX. Ive been disputing this with XXXX and XXXX ever since.. and its still on my report. Ive ask XXXX  and XXXX to send me information on how did they determine that XXXX and XXXX proved that the account belongs to me. They never sent me that information, because they dont have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Subject : Payment Posting Company : Home Depot attach is the statement which I honored the {$25.00} due which was due XX/XX/XXXX, it was paid XX/XX/XXXX and cleared ; However when I went back on line to observe how payment was applied it wasn't applied to promotional balance ( XXXX, ends XX/XX/XXXX ) and it should have. Now, on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I made additional purchases totaling {$100.00} which will show up on next statement and per term & conditions of Home Depot you have 25 days from close of statement to pay in full and not incur any interest. When you look at my total balance on line it reflects promotional balance ( {$2100.00} ) the purchases couple with interest they have already added on from purchases ( {$100.00} ).  The purchases were made after the close of statement XX/XX/XXXX-XX/XX/XXXX. I did try calling customer service/credit dept. of Home Depot, after speaking with representative & alleged supervisor, I was unable to resolve. 

Please, I need your intervention. 

All correspondence please send to my private email address which is 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 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
i sent a letter to XXXX XXXX XXXX ER physicianequesting that they validate Not verify a debt that that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that im asking to be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
This issue involves XXXX XXXX XXXX XXXX XXXX. There is an account for {$840.00} XXXX XXXX started reporting, then XXXX XXXX is reporting the same account as a collection. 

I never heard of either company until I checked my credit. It's stopping me from buying a digital label printer. In my line of work I need to upgrade my printer, it costs {$13000.00} and I want to finance it. But these accounts are costing me business. 

I wrote both XXXX XXXX & XXXX XXXX to let them know they are reporting this information on the wrong person and please delete from my credit report. I have no middle name and this individual appears to have one. Plus, there are 2 different addresses on my credit report that I have never lived, nor do I know the occupants at those addresses. 

XXXX XXXX sent a letter and said, " We are in receipt of your recent correspondence regarding an account with XXXX XXXX XXXX. Please be advised that we were unable to locate an account with the information that was provided. '' The information I provided XXXX XXXX regarding this issue, is what XXXX XXXX reported on my credit ... Yet they have no information on what was provided. 

How does that happen? 

XXXX XXXX replied and provided a statement for {$840.00}. The statement is addressed to a place I've never lived. The only reason they have my address is because I wrote to state my address to quickly resolve this matter. Where I receive mail, I have been doing so, since the age of XXXX. 

How does that happen? 

I wrote XXXX XXXX back explaining they are reporting on the wrong person. That letter was dated XX/XX/XXXX and I have yet to hear anything from him relating to this subject. Furthermore, I included two invoices showing my legal address back in XX/XX/XXXX & XX/XX/XXXX. 

I don't know what else to do ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. 
I am wanting to submit a complaint for XXXX XXXX/ XXXX XXXX . I've been disputing late payments with them for months, with no results. I fell back on payments XX/XX/XXXX-XX/XX/XXXX due to a family emergency which caused me to leave the country for the time being. 

I have sent explanation to XXXX in writing over 5 times! with 2 additional letters being sent in XX/XX/XXXX, and have been turned down on all. I understand it is indeed my responsibility to make payments but this emergency was unseen. I have always been current following XX/XX/XXXX, always paying more than minimum amount required and maintaining a low % usage as needed. 

This complaint comes due to me being denied the help to correct this with the 3 credit bureaus. I am aiming on becoming a home owner by XX/XX/XXXX and this is the only negative mark on my credit which is holding me back from being where I need to be. 

I'd greatly appreciate the help, and will continue to keep my account in good standing. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently checked my credit report and found a debt from a debt collector called XXXX XXXX XXXX. First and foremost, I have never received any form of phone calls or letters at all from this company. I have never spoken to anyone from this company either. So when I saw XXXX XXXX XXXX has listed the open date for this debt on my report as XX/XX/XXXX, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX as it states on my credit report. I have not had a XXXX XXXX account since years and years ago. And in all actuality, I have had a XXXX account since XX/XX/XXXX. I believe, XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year the XXXX XXXX account actually fell behind ( I'm thinking it was around XX/XX/XXXX-XX/XX/XXXX ). Which, if I am not mistaken, 5 years is the cut off mark for Florida statute of limitations. So if they did re-age my debt, XXXX XXXX XXXX can sue to collect a debt that may be time-barred. I have a image of my credit report showing the new incorrect date ; as well as, a copy of my original contract with XXXX reporting the date that I started my current account with them that I will be supplying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I had XXXX XXXX service in an apartment that I resided until XX/XX/XXXX. I moved from this apartment on XX/XX/XXXX with a balance owe to XXXX for equipment. The equipment was returned on XX/XX/XXXX after I received a collection notice from a collection agency -XXXX. I stopped receiving collections notifications on this issue. In XX/XX/XXXX, while I was settling collection issue with a collection agency -Diversified Consultants, I was informed that they had an other collection account under my name. It was for XXXX XXXX. I paid Diversified Consultants because he said it would be on my credit report. I was unsure about the charges and didn't have a chance to validate them. I was unaware that this item was already on my credit file, since it was my first time hearing about this collection item with Diversified Consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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: AES/PHEAA
State: FL

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 90 to 120 days late in XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
This company Wakefield associates just put this as a case from XX/XX/XXXX which is a LIE, I took My son to an emergency room and he had insurance I told them I didn't have insurance and didnt want to be seen, they tried to scam but that was in XX/XX/XXXX NOT NOW, another agency tried to charge {$140.00} and got shut down these freaks are trying to say I owe {$630.00}, I am a single mother TIRED of getting XXXX over by these frauds I cant get approved now to buy a property and I need somewhere to live with my sn. I am renting a room in someones house because my credit is so bad

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 2018-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
I was contacted by a Man through text message and by phone saying he was with a Loan Company by the name of 1Main Financial .... He told me I was approved of this Loan But I needed to purchase Insurance, In Case I wasn't able to pay out the Loan .. He requested I purchase a {$200.00} XXXX XXXX Card .... That was going to be used for Insurance ... I Have Reciept of that purchase ... After talking to this Man, 15 mins he stated I needed to pay Taxes on this Loan Money ... .. I Then knew it had to be a Scam .... He stated he lived in a Tax Free State .... Haha ... I have a phone recording of him saying he will be taking money out of my account! I NEVER received any Money ... .. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a car loan with Chase Bank. They have not reported the on time, full payments I have made to them for over two years. They have also marked my account derogatory to the credit bureaus AFTER I submitted requests to have accurate information reported. I have never missed a payment and I have never submitted a payment late. I have been trying to get this resolved over the phone and in person with three different bank managers and none will give me any assistance. They have also stopped sending me any kind of paperwork/emails about my account and payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a new credit card with XXXX XXXX XXXX through XXXX XXXX and made a purchase of two items from XXXX in the amount of {$100.00} Unfortunately, the items did not work out for me and I made a return of one of the items in store in the value of {$36.00} on March 18 of 2018 and received a refund of that same amount. On XX/XX/XXXX, I made a return of the second item in store in the value of {$71.00} and received a return receipt showing my expected refund of ( - {$71.00} ). I waited for more than 3 weeks to receive this money back on my credit card as a refund but never did. I contacted the credit card company known as XXXX XXXX and they stated that I would have to file a charge dispute and fax them a copy of my return receipt so that they refund me the money. I did exactly that. About 2 weeks later, I received my money back and when I did, I called XXXX XXXX and closed my account with them. I was highly dissatisfied with their service and attempted FRAUD. 
On XX/XX/XXXX, I received a new statement from XXXX XXXX in the amount of {$71.00} after I had already closed my account with them. I immediately called them and they stated that the dispute, which I had submitted a month earlier, was declined and that I have to pay {$71.00}. I believe this is FRAUD - I have my receipt to prove that I returned this item and should have received my refund back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I called Bank of America to inquire about assistance on our past due mortgage. On XX/XX/XXXX, my husband and I received a letter from Bank of America that we were assigned a dedicated customer relationship manager. The letter stated the customer relationship manager would work with us to determine if there were any programs available to help with our past due mortgage. We received by mail a packet and was informed to submit the Borrower Response Package. We faxed over all required documents on XX/XX/XXXX. We received confirmation that Bank of America received all the documentation needed to proceed. I continually called Bank of America and talked with different people and each time I was informed they had no information available. In XX/XX/XXXX we received a letter stating our mortgage was being transferred to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they were waiting on information from Bank of America on the transfer. On XX/XX/XXXX we received a letter stating the transfer would not occur. I continually called Bank of America and in XX/XX/XXXX, I was informed to fax over the Borrower Response Package again, because the XX/XX/XXXX papers I faxed over before were expired. I went to a Bank of America branch and faxed over the documents again. I have called Bank of America over and over and I keep being told they have no information that we ever applied for assistance programs. On one occasion I was told it was sent to XXXX XXXX. I called on XX/XX/XXXX and was told the XXXX XXXX process would be expedited in 2 days and to call back. I called over a week later and now I am being told they have no information on our need for assistance. The only contact we receive from Bank of America now are collection letters and collection phone calls. We continue to pay any amount we can at anytime we can. We are in the process of trying to get the loan back on track and payments on time. I just keep talking to different people that have no idea what is going on and can give us no answers.

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 2018-06-02 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: UNITED AUTO ACCEPTANCE
State: FL

Complaint narrative:
I have a loan with UNITED AUTO ACCEPTAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and UNITED AUTO ACCEPTAN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120 days or more than four payments past due since XX/XX/XXXX- 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 2018-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi, I recently pulled my credit report and saw that Incorrect information was listed. I sent a goodwill letter to Capital One and disputed with them and no one would help me. Ive disputed several times because Ive never been late making payments. Im very frustrated at this time because the inaccuracies were not updated to a positive status. Ive been a loyal consumer since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
Factor trust represents the payday loan places that have used my social security number without consent or my knowledge.

Company response to consumer: Closed with explanation