vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Veros Credit, LLC
State: AZ

Complaint narrative:
On XX/XX/2018, Veros Credit filed a law suit against me for the amount of {$5100.00}. 

On XX/XX/2018 I filed a response. Included in the response was a request for validation of the debt. It was requested that this include a signed contract and all payments that were made. ( This is just part of the request ) On XX/XX/2018 I filed a dispute with XXXX  and XXXX  requesting validation of this account. 

I received a letter dated XX/XX/2018 from Veros Credit. This letter included a Retail Installment Sale Contract. 

The next letter was dated XX/XX/2018 from Veros Credit. In the letter it states that it's in response to a request for verification of a debt. They stated they already provided me with it and that they will not respond to any such requests in the future. 

Although it may not matter, their original response dated XX/XX/18 was in response to my court filing. It had nothing to do with the credit reporting. It would appear they are mixing the two. One part being court. The other part being credit reporting. With that being said, it should be noted that as part of my response in the court filings, I requested the payment history, which is part of what is being reported to the credit bureaus. This would be able to show the exact amount that is actually due. 

XX/XX/2018 we had court. I still had not received payment history. Although, I had rec 'd some other documentation. At court the judge noted that I had requested specific verification which included payment history. The judge told the other party that they needed to provide me with the requested documentation. Right after court I received an email from the attorneys for Veros Credit. It was the same documentation that had already been mailed to me prior to court. It did not include the payment history. 

XX/XX/2018 we had court again. We discussed the fact that the plaintiff still had not provided the requested documents. We were told that a court date would be set for trial. Since court, a trial date has been set for XX/XX/2018. 

To date I have not received the payment history. 

It is my understanding that in order to report something on someone's credit, a creditor must be able to provide verification to back up every aspect of what's being reported. This includes payment history. Payment history is great because then you can show the amount that's owed. In this case the amount being reported is different from the amount being requested by Veros Credit in court.

Seeing as Veros Credit is refusing to provide documentation to back up payment history, I'm asking that they delete this from 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 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: AR

Complaint narrative:
I received a letter from the Federal Trade Commission regarding Ameritech Financial who I used to consolidate my student loans and start repayment. I am a XXXX student at the University XXXX XXXX  and wanted to get ahead with my payments. I was told I qualified for Public Service Loan Forgiveness and according to the letter, my monthly payments do not go toward paying my student loans. I paid {$300.00} in XX/XX/2017 to initiate the repayment and then paid {$100.00} per month. Now I have to start over again.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RGS Financial, Inc.
State: MI

Complaint narrative:
This complaint is in regards to XXXX  treatment rendered and completed in the latter months of XX/XX/XXXX. Exact dates are not know for treatment. My XXXX   treatment was completed XX/XX/XXXX. I have received a letter in the mail from a collection agency for the treatment received by my former employer XXXX XXXX XXXX in XXXX OH Re : acct # XXXX. I would like to make it clear that my complaint is NOT directed towards the XXXX that rendered thesXXXX XXXX   services to me.

My compliant is however directed towards the clerical staff and manager that were/are involved in this alleged debt. A notice for a bill in the amount of {$2700.00} was sent to me on behalf of XXXX XXXX XXXX- XXXX   office by RGS collection agency on XX/XX/XXXX.

Exactly 3 days before my employment was ending due to me relocating out of state.

An employee discount was discussed and offered by the treating dentist and approved by the office manager XXXX XXXX  before any XXXX treatment was rendered. The amount attempted to be collected was explained away by XXXX XXXX  as several different clerical oversights and billing issues with my XXXX insurance company. I was told by XXXX XXXX on several occasions to disregard any bills that were received, that they were to be cleared up by herself or company admin.

I was told this for 2+ years up until the date of receipt of the collection notice and after. My moving out of state ( XX/XX/XXXX ) seemed to be an out for my former employer and manager XXXX XXXX to saddle me with debt I don't owe nor has she provided proof of me owing via a signed treatment plan to confirm this debt.

My credit is in jeopardy of being damaged by this debt collection that XXXX XXXX knows will dis-rail my future career goals in real estate as an real estate investor and a major reason of my relocation.

Any efforts to resolve this issue reasonably seems to be exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
Hi, I was contacted last year by XXXX XXXX XXXX, formally XXXX XXXX XXXX, about a student loan I was unaware that I had. They provided me a loan payment book with coupons that I was to send in every month with a check. The book also included a website where I could register to pay my loan off online. I paid the first installment via check on XXXX XXXX, XXXX. This check was cashed. 

I then tried to register on XXXX, but was unable to because my SSN was not registered with their system. Fine, I thought, they have my wrong SSN, but they were still able to cash my checks, so I'll just pay them this way. I continued to pay them monthly using the coupon book. 

However, I became increasingly frustrated in XX/XX/XXXX when I tried to contact them via phone in order to resolve the SSN issue. I wanted access to my account. I wanted to see what I owed and why, and what type of loan it was. I had NO information and NO access.

I couldn't speak with anyone though because either my SSN or my account number were required to move forward with the call. As I mentioned, my SSN didn't work, and it turns out that my account number wasn't registering with them either. This made no sense to me because my account number is printed on every single coupon I have. Further, I found it suspicious that they are able to cash my check every month with an incorrect SSN and an incorrect account number. I tried to contact them via email, but was unable to because I needed my account number for that as well.

Lastly, today I logged onto National Student Loan Data System and saw that while I could account for the 8 subsidized and unsubsidized loans and the 1 I pay through heartland, I could not find a 10th loan, which is what this loan is. I am paying off 10 loans, but can only find evidence of 9. My credit report also does not show that I owe XXXX anything. 

I don't know what this loan is and I have no way of finding any information out because this company has made it literally impossible for me to contact them. And yet, they have no problem cashing my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: MA

Complaint narrative:
XX/XX/2016, hard inquiry listed on credit report without knowledge ( Chase Auto )  XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies

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 2018-07-10 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: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( Huntington N ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Student Loan had been in " OK '' standing since XX/XX/XXXX As of XX/XX/XXXX,  my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.

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 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Student Loan had been in " OK '' standing since XX/XX/XXXX. As oXX/XX/XXXX my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.

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 2018-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted the company and informed them to not call my place of business, as this is my work number, they stated they took my number off, but still calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Zingo Cash Illinois LLC
State: IL

Complaint narrative:
I have had several loans with this company and have had XXXX problems until recently. All of my payments have been paid on time and none were missed. I began contacting the company in early XX/XX/XXXX because I found that I would be with almost no paycheck for the next 3 to 4 months. I did not receive a response from the company until a payment bounced on XX/XX/XXXX. At that point they immediately started calling. My goal ( in early XX/XX/XXXX ) was to let them know of my situation and set up an alternate payment option. I currently pay 98 % interest on this loan and it was to be paid off in XX/XX/XXXX. I do not know what the balance is so I requested information from XXXX  and received nothing. At that point the phone calls escalated so I asked them to correspond with me via email so everything was documented. Then I started receiving emails from " XXXX '' and he stated in an email that my balance was small so pay it or not. ( Emails attached ). On the email of XX/XX/XXXX XXXX discusses my excellent payment history. So again on XX/XX/XXXX the harassment starts again. I searched reviews for this company and have attached a few.. One client supposedly was going to have XXXX show up at his church. True or not who knows but I have recently had people show up on our security system who should not be there. Maybe Zingo maybe not but I have sent the footage to the XXXX  County Sheriff. I have been told by XXXX that they will pursue every legal means to collect the money. I again am not defaulting on anything I am trying to set up a suitable payment plan but am getting zero cooperation from Zingo they just want to pursue collection action. All I am trying to do is set up payment plan and a check will be mailed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX WELLS FARGO CARD SERVICE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WELLS FARGO CARD SERVICE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL 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 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$290.00} XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$300.00} XX/XX/XXXX Security Deposit Applied Other XXXX XXXX. ... XXXX {$190.00} So, this Capital One Credit Card company decided that because of my ACH payments were returned twice, the company decided to close my account, I was simply trying to build my credit, and apparently having returned payments to a credit card company brings your credit score down, or so they say. Also I am complaining that the representative supervisor decided to hang up on me because she said I was being rude and not speaking at a professional level, well when Capital One Department decides to close your account behind your back without talking with you, and says they sent you a letter determining the reason of closing the account, why cant these guys be professional. I will never do business with them again,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have already contacted the bank and they have resolved this issue and refunded the interest fees.

This is informational, so that others do not run into the same trap.

When scheduling AutoPay through Bank of America bill payment, there are 4 options in the following order Select an amount Amount Due Minimum Amount Due Account Balance Fixed Amount One would assume that the second option ( Amount Due ), would result in a payment that equals the last statement balance, however it will actually on pay the minimum amount due. 

In my opinion, these options are confusing and setup so that the consumer pays the minimum and gets charged a interest fee. Most consumers will not call in to dispute this. That is what the bank is relying on.

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 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The online account summary shows " available credit '' as approximately {$1200.00}. When I presented my credit card to pay for {$280.00} purchase, it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Todays date:XXXX XXXX, XXXX XXXX XXXX. SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SECURITY CREDIT SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have lodged disputes with XXXX and Capital One with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation