vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX  collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I was contacted by a company called XXXX XXXX XXXX XXXX of XXXX VA that they had purchased my credit card account from Barclays Card Services on XX/XX/XXXX ; while I was under Chapter XXXX Bankruptcy. 

Barclay Credit Card Services never bothered to notify me of their reported sale of my credit card account ( XXXX XXXX XXXX XXXX ). I have written three letters to Barclay Card Services asking for verification of their reported sale, To date, Barclay Card Services has not responded to my two previous letters ; dated XXXX and XXXX. 

I have now written a third letter to Barclays Credit Card Services, dated XXXX, Once again asking for verification of this sale, the date of the sale, the account balance at the time of the sale, and a payment and billing history for XXXX 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 2020-11-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my XXXX  report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with XXXX  asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
I got a payday loan 8 years ago and Im still getting calls stating I owe them and if I dont pay they will take me to court and file a lawsuit for giving them my bank account info and not having the funds to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TX

Complaint narrative:
On XX/XX/XXXX I purchased a sagebrush classic casual jacket ( small ) for {$79.00} ( plus tax & shipping ) via XXXX XXXX online. 

I returned it tracking # : XXXX. Delivery was confirmed on XX/XX/XXXX @ XXXX XXXX. to XXXX, KY, US. I have tried to confirm the credit which has not appeared on my account as of XX/XX/XXXX. Each time I made an inquiry online, I gave them a copy of the tracking receipt. A few days later I would receive a letter that I needed to be patient because it can take up to 90 days to resolve. Inquiries were made : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I called again today, XX/XX/XXXX ( over 90 days ) and was told there is no credit for the return and they filed ANOTHER dispute and informed me it will be another 30 days to resolve the dispute. Irate, I asked for a supervisor and was transferred to XXXX. 

The charge was made through XXXX XXXX but they use Comenity Bank to manage their accounts. Today I've talked with numerous people & keep getting a run-around in a call that took over 1 hr 23 minutes. After wading through a call-director system, one rep sent me back through the system so i could 'talk with XXXX ' since they have all the information. However, I ended right back with Comenity because Comenity handles their credit card charges. 

This is absurd and there's no accountability. FINALLY, today after 1 hr 23 minute phone call, the STORE gave me a credit for {$85.00}. ( The call director system sends callers to Comenity re account issues. If Comenity can not assist customers, the automated system needs to send callers to the STORE that can issue credits. What a zoo. This experience has made me reluctant to EVER buy from XXXX XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Consolidated Information Services Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX submitted my info to XXXX XXXX without my consent. I have an inquiry on my credit report from CIS which is a reporting company for XXXX XXXX. XXXX over at XXXX XXXX apologized and said it was his mistake ( I have proof and a letter from XXXX XXXX stating there at fault ) XXXX will not give CIS the approval to remove. They told me I need to take it up with XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: IL

Complaint narrative:
XXXX XXXX system must be experiencing a bug or glitch, as they are offering conflicting assessments of approval odds for the same product. As you can see in the " XXXX '' screenshot attached, CreditKarma indicates there are five different thresholds/tiers for approval odds : 1 ) Excellent, 2 ) Very Good, 3 ) Good, 4 ) Fair, and 5 ) Poor. As you can see in the " XXXX '' screenshot attached, on the left hand-side of the product being recommended to me, there is a vertical bar chart with five squares that are clearly meant to correspond with the 5 different approval odd tiers. If three squares are filled in, the consumer has a " Good '' chance of being approved, if five then " Excellent '', and so on. As you can see in the screenshot, four of the five squares are filled in, indicating " Very Good '' approval odds. However, immediately adjacent to the four filled in squares I'm being told my approval odds are somehow better than " Very Good '', they're actually " Excellent ''. It's unclear which of the two assessment is the truthful one. Obviously, it be more concerning if the " Very Good '' one was the reliable assessment since customers with non-Excellent odds are being told they have Excellent odds at being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was contacted by a third party collection agency that violated the FDCPA section 809 A and B. I asked for verification of debt during my validation period and was informed it was just mailed to be on XX/XX/2020. I requested this at the beginning of XXXX. I got another got today from an agent that continued to collect during my validation period. I do not appreciate being ask if I need a friend or family member to help me pay the debt. I have rights to request this information and the company was late sending it out to me. I am requesting the CFPB review this call and the collection practices of the agency. As I told the gentleman on the phone. Once I get my paper work I will call you, but this company failed to send out the documentation within 30 days of my request. 

This account is also being disputed as I believe the balance is wholly inaccurate. Please send proof this is my debt. This debt may be XXXX, but I promise I will spend more money protecting my rights and preventing any agency from violating these rights. If that means filing a civil suit against the third party collection agency and their client.. I will do so. Damages are awarded for FDCPA violations. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2020-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
On XX/XX/2020 I tried get an electronic copy of my statement from University Accounting Services via the number provided on my account. XXXX They stated that is was not possible even though I require it for a student loan refinance application. I asked to speak to a supervisor and the supervisor would not speak with me. They stated that could print the statement and have it mailed to me within 10 days which is beyond the date of the refinance application deadline. I can't understand why the statement can be printed but can not be e-mailed? I also have no access to any previous statements from the entirety of the loan for verification. Denying me access to my statements and not taking my concerns seems very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I set up a bill pay to my bank. So I thought. I received a check for XXXX. I received an email stating I have Insufficient funds and was charged {$35.00}. It said payment made NO. Then why am I holding a check? I deposited the check. Which is going to bounce according to the representative. I'm told that they cant stop the 2nd attempt to pay ( which I don't get ). So I am going to be charged ANOTHER {$35.00}. This is ludicrous. Of the funds were not there why cut a check at all?

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 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Addendum to COMPLAINT ID XXXX This complaint is NOT CLOSED!!! 

Dear CFPB, Why is Caliber Home Loans attempting to assess interest on a Covid 19 related forbearance? See their addendum. In fact, I want to get away from the shady practices of Caliber Home Loans and would like do a refi with another company and Caliber has taken my {$410000.00} principal and added XXXX in accrued interest that came from the Covid 19 forebearance period for the total buyout. Under the Cares Act it clearly states that no interest will be assessed during forbearance of mortgages related to Covid 19 circumstances. I have noticed that Caliber Home Loans has a total of 1,146 complaints in your data base from mortgage customers, this is a substantial amount of complaints ; can you please audit their systemic issues ASAP. Also, please find out if you have other complaints from XXXX XXXX theatre serving USA military veterans. Regards, XXXX XXXX

Company response to consumer: Closed with explanation