vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX  fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX " located on XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX '' alter the documents and forge it in order to get money from victims like me, they bought rental contract from " XXXX XXXX XXXX '' for place which I already left on mid of XX/XX/XXXX after I left early notice of leave, and trying falsely claim about {$9000.00} for many items include carpet replacement, early termination fees etc. this place I left on XX/XX/XXXX and they sated falsely I was evicted on XX/XX/XXXX. they forge the contract and removed name and sign of responsible party in contract which is one who was responsible for contract. This company should subject to Federal investigation due to forgery practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
As a XXXX-year-old senior citizen, I think Shellpoint Mortgage is taking advantage of my age to charge me more than {$350.00} a month fraudulently. They are claiming that I do not have mortgage insurance. I have had the same mortgage insurance since I purchased the property in XXXX. 
My property insurance costs {$39.00} a month. Since XX/XX/XXXX, Shellpoint Mortgage is charging me more than {$350.00} a month for insurance that I already have. 
My monthly mortgage bill was increased by {$350.00} in XXXX. I contacted the company and asked why and was told that I had not offered proof of insurance. 
I stated that I had never received a document asking for proof of insurance. Shellpoint Mortgage claims that they have been sending out documents but I have never received them. 
In fact, when I contacted them again on XX/XX/XXXX, I was assured by one of their supervisors that I would begin receiving mailed documents immediately, I still haven't received any mail from them as of XX/XX/XXXX. 
With no written request they have been able to collect more than {$700.00} from me without notifying me of the reason. 
I live on a limited budget and this is causing quite a hardship. 
Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: NV

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX   XXXX  2.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX  XXXX   5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.

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 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is reporting a negative debt against my credit report that I believe does not belong to me and has refused to delete it. This company is in violation of several consumer rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act I am entitled to notices concerning the reporting, handling and usage of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. They are in violation of two different consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: WV

Complaint narrative:
I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: THE GUERRINI LAW FIRM
State: CA

Complaint narrative:
I received a letter via U.S. Mail which is attached. The letter states " Their client, XXXX XXXX '' has a Judgement against me and is offering to settle for {$960.00}. 
I have never had an XXXX card and I don't believe this is my debt. I am being told to send this money in by XX/XX/2018 or the deal will expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got a XXXX  XXXX XXXX credit card and paid it off, thinking everything was paid there was a past due amount for {$19.00} back in XXXX. It went past due for 30 days and then for 60 days so I called and they took off the late fees and I paid the {$19.00} but they still put it towards my credit score. I called them but they said they cant do anything.

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 2018-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XX/XX/2018 I reported that my checking account had some unknown charges and I wanted to dispute them. I put in the request, about a month later someone from Bank of America contacted me and confirmed that I did have my debit card at the time of the transactions. A week later I got a letter that they denied the claim and they were drafting the temp credit they put in my account on XX/XX/18. This caused me to go negative and I am currently negative. It is going to cause a great hardship to pay this, when I was not liable for it.

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 monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX ... This bank pulled my credit. I have been having a problem with this bank for over a year. I did not and do not authorize Chase to to make a inquiry on me and it seem like someone periodically run my credit every 3 -6 months and im tired of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
My records associated with the account XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
A collection popped up on my credit report XX/XX/2018 and it was suppose to had been taken care of. I paid it XX/XX/2018. For mortgage reasons me, my mortgage Lender, realtor, The original creditor XXXX XXXX/ XXXX, and The credit bureau started calling CBE group collection agency XX/XX/2018 To get the account Removed from my credit report. We Could not get in touch with them. They never answered the phone And they never called the creditors back. I was supposed to close on my house XX/XX/XXXX then XX/XX/XXXX we had to ask for another extension Because we couldnt get in touch with CBE group. The credit bureau just need to hear from them and them state that this was paid In full and to remove it. I dont want to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
on XX/XX/2018 at XXXXXXXX XXXX, the debt collection office for XXXX XXXX XXXXXXXX XXXX XXXX called me threatening to take legal action against me, which on XX/XX/2018, i spoke to someone about setting up payments plans and someone from the debt collection office for them was supposed to return my phone call at XXXX on XX/XX/2018 and never did. the representative mentioned that the recommendation was put on hold which i am not made aware of any of this information and then she about my XXXX in a tone i did not appreciate " are you still XXXX  ''? the number they called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My wallet was stolen from my purse at a XXXX XXXXXXXX CO restaurant around XXXXXXXX XXXX MDT on Sat, XXXX XX/XX/2018. I didn't find out until 30 min later, when I discovered the wallet was missing, and then the fraud alerts started coming in on my phone from my bank. The criminals used my 2 credit cards for approximately {$9000.00} and my debit card ( without the PIN ) for another {$1500.00}, until finally USAA bank shut everything down. The bank is doing the right thing with the credit cards, but the debit card charges have been decided as not fraud. I notified the bank within 30 min of the incident, and in fact the bank shut down the card when a second transaction was attempted on the debit card, before I called in. None of this should have occurred if the bank had followed my {$1000.00} transaction limits on all my cards, which I know were in force about 8 years ago when I tried to make a transaction above the limit. About 36 hours after this incident, I received the initial " not fraud '' determination, and I filed an appeal with full details of the events in writing a few hours after that ( well within 48 hours of the event ). When I received no reply within 24 hours, I called the bank and demanded an appeal, at which point my report ( that was in the system but ignored ) was added to the appeal. Then the final determination of fraud ( no further appeal ) came in on XX/XX/2018, saying I was liable for the full amount. Federal law ( Fair Credit Billing Act ) says that I am only liable for {$50.00} due to my timely reporting. In addition, I demanded an investigation into how this whole fiasco was allowed to occur despite my transaction limits. So far, no response. Please let me know what I should do for the next step, because all I can think of now is to hire a lawyer and take USAA bank to court for violating the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account was open in my name last year by my ex wife and she have sinced then paid off account when the company call me somehow with a debt..I did not authorize this account to be open and now that the obligations were met i want the account removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: NV

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that. 
Please delete/remove the following accounts 1.XXXX XXXX   2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXXXXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: NV

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX   6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.

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 2018-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

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 2018-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

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 2018-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
My mortgage monthly payment was Increase and tthey refuse to give explanation on why. My property taxes has went down as well as the PMI. On several occasion I have requested an Analysis of my escrow account amount but the company has refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I tried to apply for my credit report through Carma and indicatrd my social security number is wrong. Also tried to apply for XXXX XXXXXXXX credit card and the same thing happened. It is the correct number..please help. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
On Monday, XX/XX/2018 a phone call was placed to Choice Recovery inquiring on statement dated XX/XX/2018 with a total balance due in the amount of {$190.00} for a XXXX XXXX XXXX and to advise that the amount showing on the statement was paid directly to XXXX XXXX 's office and that they should contact XXXX XXXX 's office to verify payment. The representative from Choice Recovery demanded my medical insurance information for verification purposes in which I refused to divulge that information as Choice Recovery is a third party I had no relation with. I was then advised that if payment was not received the account would be placed as a collection in my credit bureau file. Choice refused to verify payment with XXXX XXXX 's office

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I purchased an engagement and wedding rings from XXXX XXXX and financed through XXXX XXXXXXXX XXXX. It was not made clear how much the interest would be charged if not paid within the promotional time frame. I had not been receiving paper statements nor could I access the XXXX XXXX online account for months. I would always make the payments every month but then was alarmed that my balance went from slightly over {$3000.00} to almost 8,000. The original amount financed on this card was {$8000.00} and I had paid it down to {$3000.00}, but was recently charged over {$3600.00} in interest. I called as soon as I could and spoke to a manager, XXXX who mentioned that if I could pay off the {$3800.00} principal balance that they could possibly look at waiving the interest charged with a dispute letter. I paid the principal only to find out today that I will still have to pay the full amount of interests of {$3500.00} and will accrue interest every month upon interest charged despite me paying the principal balance. It took everything I had to pay the principal amount and after so much loss from Hurricane Harvey it's been tough to get on our feet again. The Over {$3000.00} in interest charges on an account that only had {$3000.00} remaining balance is exesive and a scam. Not to mention that I never received any communication or statements regarding where I stood with the account. I ask that XXXX XXXX XXXX refund at least the majority of the interest charges and also state they have no right to continue charging interest charged when the principal balance has already been paid off. The most recent manager I  spoke to did not want to assist in any way and said there was nothing that could be done.

Company response to consumer: Closed with monetary relief