vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I went to an XXXX store in XXXX, TN and tried to pay for my purchase with my XXXX store card. The salesperson tried running the card twice, but it kept getting denied. I finally left the store embarrassed, as people were gathering and she was also calling her manager. I called the toll free number for XXXX and the automated system told me that theres {$250.00} limit on the card ( as it was before ) and that no payment is due at the moment. I finally got through to an operator that informed me that my account was closed as of XX/XX/XXXX. I have not received any correspondence from XXXX, the automated information still tells me that I have a line of credit and after logging into my account online, it also states that I have credit available. I have suffered great humiliation at the store, was embarrassed beyond belief and Im too embarrassed to go back to that store. I understand that banks can close account at any point, however they must notify the credit card holder of doing so, which XXXX has failed to do. The manager I  spoke with could not explain why this happened and how they can prevent this from happening again. A multi billion company has failed to provide customer service and they dont have plans to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit card with capital one. I couldnt pay it so it got charged off. On XX/XX/2018, I called and settled the account. I have asked them why they are reporting a balance on the charged off account since it was settled. I was told by the gentleman on the phone that it was going to reflect a XXXX balance due to it being settled. I have called them again in mid XXXX and they keep giving me the Run around saying that there is nothing they can do. 

Please help me resolve this issue. I in good faith settled with them because I know i couldnt pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I received a letter dated XX/XX/2018, indicating a collection account for {$680.00}, has been placed with XXXX XXXX XXXX  for collection by XXXX XXXX XXXX College District. I do not and never have owed any money to this College nor have I taken out a loan of any kind with this College nor in any form in connection with this College. This debt is a fraud and does not belong to me. Furthermore, before a student can attend any course within this college, payment must be paid in full before any class can be attended. Therefore this debt is a fraud and does not belong to me and this company has received false information.

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 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I previously reached out to credit bureaus in regards to this item. Every time is stayed as verified. I contacted you guys CFPB a few weeks ago and you closed out case because they responded. The issue is the information that was sent to me was not valid. 1. The address this on what they sent me which looks like an application was from an address that never was associated with me. 2. The signature there isnt one listed. There is not a personal signature only shows electronic. I have rights and there this isnt legal proof. There should be a signature that shows prof that it is my account. Also the bank account numbers that show on document had never been associated with me either.

Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

There is no proof that this is my account and this company is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX I do not know this consumer never talked to them or taken or borrowed money from consumer. 

XX/XX/2017 I send a dispute through credit karma they refuse to move from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: FL

Complaint narrative:
Company placed trade lines of {$3600.00} and {$130.00}, i have requested proof of debt and company has procrastinated with a request of an account number, which I do not have because it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: MI

Complaint narrative:
I am not sure how many more times I can do this without finally concluding the only way to resolve this is through the court system. 

On XX/XX/XXXX, I filed my 5th CFPB complaint against TransUnion case # XXXX, Concerning accounts on my credit report that were the result of Identity Theft. 

I provided a detailed chronological history and documents supporting my claims. I even forwarded my complaint to CEO XXXX XXXX XXXX I showed that I had followed all the requirements to have ID Theft accounts blocked from my report. I was also able to show numerous untruthful statements and violations by TransUnion. 
As a result, TransUnions response on XX/XX/XXXX assured me that all the accounts I had filed as a result of ID Theft, were either previously removed or would be removed. ( see attached CFPB case XXXX ). 

However, after viewing my TransUnion credit report two ( 2 ) XXXX accounts continue to remain ( see attachments XXXX XXXX and XXXX XXXX ). Despite the fact on the following dates I had reported both XXXX accounts as a result of ID Theft and requested TransUnion to block them. ( see attached copies of TransUnion/XXXX   tradelines ) On XXXX, XXXX I filed my first ID Theft claim and request to block numerous account including 2 XXXX account. Results : No response from XXXX and accounts were not blocked On XX/XX/XXXX I filed a 2nd claim with TransUnion and XXXX identifying these XXXX accounts as Identity Theft. Results : No response from XXXX and accounts still not blocked Note : Twice, in XXXX & XXXX, I had sent certified letters, documents & an Affidavit to XXXX advising them of my ID Theft claims and requesting them to investigate and provide me with those results. To this day I have not received a response from XXXX. 

I would like to think this was a simple oversight and hope TransUnion recognizes their previous response along with my previous ID Theft claims. ( See attached ID Theft claims FTC Report Number XXXX 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 non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I HAVE CALLED XXXX XXXX XXXX SEVERAL TIMES AND TOLD THEM I DO NOT HAVE INSURANCE WITH XXXX XXXX AND NEVER WILL, THEN I CALLED XXXXXXXX XXXX COMPANY AND THEY CANT EVEN PRODUCE A ACTUALLY POLICEY, JUST A QUOTE FROM XXXX OF LAST YEAR. HACK I DIDN'T EVEN DO THE QUOTE!!! I HAVE REPORT XXXX  TO THE XXXX XXXX XXXX WERE I WORK AND NOW THE FRAUD DIVISON IS LOOKING INTO THIS AND SEVERAL OTHERS WHO ARE REPORTING THE SAME PROBLEMS. NOW THEY HAVE REPORTED A FRAUD ACCOUNT TO MY CREDIT REPORTS AND THE ACCOUNTS WASN'T EVEN SET UP. SENSE I WORK WITH THE XXXX XXXX I  LEARN WHO THE GOOD COMPANIES ARE AND XXXX IS NOT A GOOD COMPANY!!!!! THEY ARE A FLY BY COMPANY AND CLEARLY DON'T CARE ABOUT THE CUSTOMERS OR OTHERS! XXXX SAID THIS ACCOUNT WAS SENT UP ONLINE AND IT WAS A SOUTH CAROLINA QUOTE!!!! I DON'T EVEN LIVE IN SOUTH CAROLINA. I HAVE ATTACHED A POLICE REPORT AND A FRAUD REPORT FROM THE XXXX XXXX INVESTIGATION DEPARTMENT .I WANT THIS ACCOUNT REMOVED ASAP OR ILL BE FILLING LAW SUIT IN NC AGAINST XXXX XXXX XXXX AND XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
From XXXX through XXXX, I've tried as well as the company I hired XXXX XXXX XXXX XXXX to have car loanof XXXX XXXX XXXX removed off my transunion credit report.

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 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX claims I owe {$760.00} I dont know consumer never taken or borrowed money from consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have filed the XXXX with all 3 agencies, XXXX XXXX and XXXX won't show any credit report, and experian wants me to pay {$4.00} a month to get credit reports from all 3, and will not show my FCIO score from them individually. Only Experian showed my inquiries. XXXX and XXXX out right denied any information.

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 2018-02-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have several times have requested XXXX XXXX and Experian to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.

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 2018-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past three years I have reported to all three credit companies on inaccurate information and accounts being reported. Equifax is the only company reporting inaccurate information after having reporting this issue to them more that 7 time. They have fail to provide written proof of signature or any valid proof between myself and these companies who they claim I have debt with. The other two credit companies have investgated my claims on these same accounts and have since removed them due to lack of absolute proof that these accounts are mine. Also the amounts on these accounts have gone up since I first reported one being this XXXX XXXX that I have never lived it started off at XXXX and now its at XXXX for a apartment that I have never lived at nor had any contact with they are reporting addressing in the city of XXXX XXXX that I have never lived after they where removed due to inaccuracy, social security number that doesn't belong be me nor have I XXXX XXXX XXXX have ever used. This is the third time this year in 2018 I have reported this. Each time i have side something the all the information in the accounts change dates, balance everything thing and these accounts aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have several times have requested Capital One and XXXX to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal allowed a fraudulent charge to occur on my account. I called the credit card company and they fixed the issue. Paypal locked my account down. I then submitted documentation on XX/XX/XXXX. The information has not been enjoying reviewed and my account remains locked. I have sent over ten emails and have gotten Zero Response. This violates banking codes of ethics and US Codes regarding access to accounts. XXXX is unable to access this account for payment causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 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: EQUIFAX, INC.
State: CT

Complaint narrative:
computer base system pre approve me for a credit limit then decline my application

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
computer base system pre approve me for a credit limit then decline my application

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 2018-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lowcountry Credit Inc.
State: SC

Complaint narrative:
Lowcountry Credit ( Owned XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX I cosigner for my son on a used XXXX XXXX in XX/XX/XXXX. 3 weeks after we had the car it left him stranded radiator system was rigged per XXXX XXXX   mechanics. Two weeks tires started looking air took it to XXXX XXXX, told all four tires were dry rotted. Notified the the XXXX XXXX used car place notified the bank every time. Over 3 months time my son had a car he had missed work, towing fees mechanic fees because this car was sold and it was a dangerous car. Dealership offered to pit 2 new front tires on so they did. Again 2 more dry rotted tires. By XX/XX/XXXX the car was undrivable my son and I made NUMEROIS calls to the dealership and Lowcountry Credit for help getting him a different safer car bc they sold a lemon and they knew it. They absolutely would not budge. We voluntarily turned the car in. XXXX XXXX Lowcountry Credit had to come tow the car bc it was undriveable. Today XXXX I am trying to buy myself a car and I looked at my credit and this bank still had us on as owing XXXX dollars and we were in good standing per XXXX Problem is they never reported the repo so it looks like I owe XXXX dollars. They wrote a letter today stating they didn't repo it until XX/XX/XXXX which is a lie. We never made another payment as of XX/XX/XXXX and turned it in so why would they wait 5 months to " come tow the car : they didn't. Now they want to say it was only sold for {$2400.00} which is also them changing numbers in their co.puter to make it look the way they want so I supposedly owe {$9300.00}. Now they want to report it to the agency. Problem is they are lieing fraudulent numbers and IF it had been reported 2 years ago I would have it off my credit within the next year. This company is an old XXXX SC family owned business that has been defrauding the public for years and then they cover it up at MY expense. Please help. Their a bunch of dishonest crooks. They fix their books and records. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
my applicant was decline approval base on my location and a negative inquiry was still file offending my score.

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 2018-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: OR

Complaint narrative:
I received a notice from Diversified Consultants, Inc dated XX/XX/XXXX ( received XX/XX/XXXX ) for a debt from a bank I don't owe money to. The amount they claim I owe is {$12000.00}. The letter listed XXXX XXXX  XXXX AND as the original creditor but xxxx the account number. 
Besides the fact I don't have personnel accounts with XXXX XXXX, what tipped me off to the false nature of this debt, it that my credit was pulled on XX/XX/XXXX and there is no debt for XXXXXXXX XXXX and non of my previous debts amount to {$12000.00}. 
I immediately began searching the validity of this Diversified Consultants, Inc and found numerous complaints about there shady practicing. Additionally, I've received local calls that do not leave messages. Strangeness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
This is a follow up on my previous complaint XXXX, regarding actions that have been taken while the complaint is still pending/unresolved. As of 1XX/XX/XXXX I will no longer communicate directly with them because they have fouled up every request without fail. 

XX/XX/XXXX : I received an email response ( sent from them on the XXXX but stuck on their mail server and not delivered until the XXXX, putting this response just before I lodged my initial complaint ) saying I had to submit a new IDR request to be put on the IBR plan. 

XX/XX/XXXX: I went ahead and submitted a new request, this time only submitting it a 'recertification ', giving them the chance to effectively keep me on the original IBR plan I should never have been removed from. I also responded vie the XXXX portal with a message saying as much. 

XX/XX/XXXX : I received approval for the REPAYE plan. There was no indication of what this was in response to. My new IDR request was clearly not for REPAYE, so I have to assume that after some mucking around they decided to take me off the standard plan they erroneously put me on and switch me to REPAYE.XX/XX/XXXX : I received and interest notice. It would appear that as a result of them switching my plan, they triggered some kind of interest payment that will be capitalized if I do not pay. Of course I did not want to switch plan from my original IBR to standard or REPAYE and should not have an interest payment due.

XX/XX/XXXX : I received notice that, " ... you requested to pay the accruing interest ... ''. I never made such a request, I can only assume this is related to them shuffling my plan around erroneously. It indicates that by not paying, I am consenting for them to capitalize this interest. I am not paying this interest because it is due to their errors in processing, and I do not consent to them capitalizing this interest.

Company response to consumer: Closed with explanation