vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing this after learning that my typical 845-860 credit score dropped to XXXX! You can understand how upset I am to see this occur as a XXXX who has had almost perfect credit scores her whole life. The reason for this credit score drop was a result of a past due delinquency in my credit files that was reported by XXXX XXXX XXXX XXXX XXXX Credit Card. This late payment was due to the fact that I opened up a XXXX XXXX card in XX/XX/2018 for a {$8.00} purchase, actually as a favor to the sales girl making a pitch. I never received a statement and didnt even receive the credit card. I called in XX/XX/XXXX after I saw that something was going on with my credit report as I was advised my credit score dropped to XXXX. The first thought was that someone had stolen my identity, but after pulling my credit report, I saw it was due to a " delinquency reported by XX/XX/XXXX. Of course, I got in touch with XX/XX/XXXX and paid the bill in full, including all late fees, after realizing this situation and advised their representative that this oversight was as a result of not ever receiving a statement. I did not receive a statement for this new credit card. I have many personal and business credit cards as I own my own business so when I dont receive a statement, I do not think there is a balance due. 
As you can understand this late payment reporting for an initial {$8.00} ( yes XXXX dollars ), has adversely affected my credit record which I rely upon as a minority certified business owner in Florida. I sent a letter to customer service requesting a revision of this delinquency as I never received the statement after opening this new account and to date have not even received the credit card. They denied my request. I urge you to please check my credit history and see that I have had excellent credit throughout and see the unfairness from this bank. They have terrible reviews and testimonials that support their poor business practices. I thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Genesis Financial & Payment Systems Holdings, LLC
State: TX

Complaint narrative:
XX/XX/2012, the person at this number called my job. Call center at my job answered. The person told the operator that they were talking to me and got disconnected. The operator placed this person on hold and call me. He stated the person on the phone stated they were talking to me and got disconnected. The person side their name was XXXX. He placed me on hold the get more information. He returned to the line and stated the person was rude. I told the operator to transfer this person to me. I accepted the call the person stated, I knew you knew I was. I stated I did not. Person asked if my name was XXXX XXXX and said yes. The person if stay the address which he or she repeated and no because was not my address. They proceed to say you know I am and why am calling and I stated I do not. After this person got very rude at which I told them I dont know who they and please do called my job again. And they did, I would call the police report for harassment and hung up the phone. About five minutes later my husband called asking me if I know someone named XXXX and that he needed to contact me and have me give them a call. He stated that person read off several other people phone numbers that had which was my mother-in-law, my daughter, and a relative. 

I googled the number and is listed to XXXX XXXX XXXX. I have not applied for anything from this company. About two months my identity was stolen. I discovered this when I received an email from XXXX XXXX stating two computers had been shipped. I filed a police report and have been in the process of making sure I am reviewing my credit reports and notifying my credit card company and bank. So I dont know if this is someone using my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX is holding my payoff hostage and stating that even though I requested a payoff that was good through XX/XX/XXXX, and I closed on XX/XX/XXXX until I come up with another {$2400.00}. At the same time, they are telling me I am in default because I didn't pay my XX/XX/XXXX payment, that shouldn't even be due because I closed in XX/XX/XXXX for the refinance. They say that the reason I owe the money is because the escrow account was short, but I pay into the escrow more than enough for taxes and insurance each month, and on top of that, they won't provide me with an escrow analysis to show where my monies have gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
XXXX XXXX financial keeps calling me after I asked them to stop. They call 6-7 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
wells fargo claims I have an installment loan. I do not. I closed by accounts at Wells Fargo years ago. It refuses to do anything about this unless I disclose private information to which it is not entitled. I want the bank to correct its error and to never contact me again.

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 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I sent by certified mail a letter to the company XXXX XXXX XXXX, asking them to validate the debt in question ( creditor XXXX XXXX XXXX XXXX ), by sending original documentation of contracts with the company that were signed by me for the debt of {$280.00}, as reported on my credit reports, I sent the letter off by certified mail on XX/XX/2018 and they received it on XX/XX/2018, I received a response letter back that was dated XX/XX/2018 without the requested documentation of original contracts or agreements, by me, but instead they sent a copy of a final billing statement, which is not a validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This creditor is and has been reporting an account to my credit report that does not belong to me. 
I have never opened an account with that agency and I have not received documentation confirming I signed and acknowledged ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am cosigned on a loan with my son- he is making a {$75.00} a week payment/ {$300.00} a month - this loan should be paid ahead of the payment is only {$230.00} a month leaving a surplus of {$65.00} per month. 

XXXX they called and stated that they haven't received payment since XX/XX/XXXX- I got on my sons account and there is consistent {$75.00} weekly being sent. This was a lie. 

XXXX called the number on my way to work was connected with a XXXX   person that was not very cooperative- she stated that they are receiving payments I tried to get her to explain to me how this could be behind if the payment monthly is {$230.00} and there is a weekly payment of {$75.00} which is {$300.00} per month this loan should be paid ahead since XX/XX/XXXX of this year- she tried to push me off the call I waited to speak to a Team Lead and asked the same questions- since there is obviously research and misapplied payments that need to happen on XXXX XXXX side of the house I asked for to have my number removed and not called. She stated they can remove from dialer but will still manually call- I have been really sick this year with 2 XXXX and not doing well- there is obviously some misappropriation of funds and this needs to be escalated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted disputes with Transunion, XXXX, and XXXX about balances and incorrect reporting of student loans and also student loans that do not have contracts. XXXX  and Transunion has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from transunion and XXXX as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint

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 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I wrote a company check paying for products received. The check was written for XXXX on XX/XX/XXXX ( cleared XX/XX/XXXX ) to XXXX XXXX, who uses JP Morgan Chase. When reconciling our account we discovered the check cleared for {$3800.00},  {$1000.00} more than it was written for. The check image on our statement shows someone crossed out the numeric total and wrote that it was keyed for XXXX and marked their Initials. This was not authorized by our company nor were we informed of this occurring. The company the check was written too claims they did not do it so it must have been done by JP Morgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My Chase XXXX XXXX credit card charged a late fee and interest because JP Morgan will not process electronic payments on Sunday. The credit card itself may not process payments on Sundays as well. 

My XX/XX/XXXX payment for this card was due on Sunday, XX/XX/XXXX.  I pay this Chase credit card electronically from my JP Morgan checking account. The payments are supposed to be credited the same day, although they usually are not. 

However, JP Morgan bank will not allow me to make an electronic payment on a Sunday. It may be that neither would Chases XXXX XXXX credit card process an electronic payment on a Sunday. For these reasons, due to JP Morgans refusal to make electronic payments from its checking accounts on Sunday, and especially if the credit card itself will not process a payment on the day it is due, Chase credit cards should be forbidden from charging late fees and interest fees for any payments due on a day that its banking division will not make a payment, and/or the credit card divisions themselves will not process a payment. 

This is a recurring problem with JP Morgan and Chase credit cards that I have filed CFPB/BCFP complaints about before. Yet it continues to happen. Chase credit card continues to levy unreasonable fees and penalties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
The XXXX XXXX was started XX/XX/XXXX for {$10000.00}. It has been sold at least twice. I and my co-signer have paid in {$9200.00}. I went into bankruptcy from XX/XX/XXXX to XX/XX/XXXX. 
The loan is now with Navient.. This is a private loan. Navient has accrued the interest during bankruptcy and applied {$640.00} from the bankruptcy administrator toward interest while the court shows principal payments. 
This XX/XX/XXXX ( XX/XX/XXXX ) Navient advised me to take a forbearance and capitalized interest and fees and I paid them {$50.00} to do this. The terms were to start payments XX/XX/XXXX. This agreement was taped., now they say that I missed XX/XX/XXXX and they say I owe an XX/XX/XXXX payment plus a late fee. 
This loan has been handled this way throughout, selling the loan, advising forbearance and capitalizing interest. 
To sum up, after 13 years, paying in {$9200.00}, and a bankruptcy the PRINCIPAL IS {$10000.00} OR {$440.00} LESS THAN THE ORIGINAL PROCEEDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I applied for a home loan and was notified by the mortgage company that I have a judgement on my credit report from XXXX XXXX on behalf of XXXX. I contacted XXXX XXXX on XX/XX/2018. I spoke to XXXX XXXX with XXXX XXXX at XXXX XXXX in an effort to determine the validity of this account, as well as the scope of the case/judgement. 

XXXX XXXX advised me to complete their form and send it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I reviewed the internet to and located a different address. I prepared a letter contesting the account and judgement ( attached ) and mailed a copy, certified USPS signature required to the address XXXX XXXX provided and the one I located on the internet. Interesting enough, the one XXXX XXXX provided me was returned undelivered. The one I sent to the internet address was received by Jay ( attached ). 

I have since received no proof or response to my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/2018 I sent a certified debt validation letter to XXXX XXXX XXXX  and havent received any debt validation from this company and its been well pasted the 30 days. This company has put this debt on my credit reports without validating thats its mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Account Services, Inc.
State: CT

Complaint narrative:
I was receiving gas and electric services from XXXX XXXX in Rhode Island, then closed my account when I moved out of state. I received a bill for services, then a reimbursement check for overpaying. I cashed the check thinking that my account was successfully closed now. Later, I received a letter from Allied Account Services on XX/XX/18 for {$120.00} stating that it was a attempt from a debt collector to recover a debt. This has shown up as a derogatory mark on my credit report. I disputed with Allied, who stated they would contact XXXX XXXX. I was sent information stating that there were 2 accounts, one for gas and one for electric, and I had overpaid on one and underpaid on another. Despite receiving a reimbursement check ( and thinking payments were appropriate once the check was cashed ), I still owed on my other account. I contacted Allied again and requested a pay for delete agreement. An Allied representative told me she could take payment and that XXXX XXXX had just started allowing them to tell customers that the mark would be deleted from credit reports within 30 days from date of payment. I asked for this in writing but was declined. I did not make the payment. I called XXXX XXXX and again requested a pay for delete agreement in writing, and a representative told me that this wasnt possible and also the derogatory mark would not come off within 30 days, but I would have to dispute in order to have it removed. I did not make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: AL

Complaint narrative:
I have disputed the information through XXXX XXXX in XX/XX/XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On Wednesday XX/XX/XXXX I contacted CMRE who is a debt collector attempting to collect a debt on a medical bill. They left me a voicemail, I promptly returned their call. I obtained the details of the account when speaking with XXXX, and we worked out a settlement of {$210.00}, a discount from the original balance of {$310.00}. In that particular moment, I was not able to complete the transaction as I had to review my finances and ensure that the {$210.00} would not leave me with no monies for the rest of the month since I only get paid once a month. I advised XXXX I would call back within 48 hours and finalize this. Once I called back on XX/XX/2018, I had the unfortunate displeasure of speaking with " XXXX '' who was simply rude, unprofessional, distasteful and insulting. I was at a lost for words at the way she was treating me, talking to me, and flat out intimidating me with her tone and inflection. I tried to reason with her, explain to her but kept get getting cut off by her. She was not wanting to honor the {$210.00} pay off quote I was given and was attempting to co-erce me into paying the full amount. I tried to explain to her I could barely squeeze out the {$210.00} and now she is trying to bait and switch me into the {$310.00} - I could not even get a word out. It was her way or the highway. I'm shocked, upset and frustrated. I never want to deal with this person again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wells Fargo, XXXX. XXXX XXXX sent a pre-paid debit MasterCard that was not ask for and this card had a balance ( {$370.00} ). Various calls to telephone numbers ; XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX only got computer voice with the select a number. No valid information received due to the card was not activated and a PIIN not selected. Wells Fargo does not have a financial facility in Hawaii. I have the paperwork received, the card in a folder labeled " fraud ''. Today 's date is XX/XX/2018. This prepaid ( non-reloadable ) is considered a mass-mailing to create accounts at Wells Fargo and this practice should be stopped. I would appreciate a letter from Well Fargo stating that any account created has been " close '' and there will be no future attempts to create accounts under my name, address for any financial transaction. Well Fargo should also remove my name from any " prescreened '' offers of credit from this company. I may be reached at 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 2018-11-08 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: GA

Complaint narrative:
I need your help with XXXX, Experian, XXXX that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. 
1. Bankruptcy : Discharged CH-XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX. 
2.XXXX  XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX. 
3.XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. 
4.XXXX  XXXX  XXXX Experian : XXXX 5.Bankruptcy : Discharged CH-XXXX XXXX : XXXX Experian XXXX XXXX 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 non-monetary relief