vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 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: Nelnet, Inc.
State: MI

Complaint narrative:
Are reporting my account delinquent but the account is current and duplicated account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
XX/XX/XXXX sent dispute letter to verify to XXXX about the collections are incorrect due to the previous 3rd party had to remove collections because the medical bills were paid out of a settlement case from car accident liability case. XX/XX/XXXX sent 2nd dispute letter to XXXX   once again asking for verification and removal of medical collections.  Also sent by fax XX/XX/XXXX to XXXX XXXX XXXX XXXX ( 3rd party collections ) to verify and remove collections due to it was a liability case and was settled in XXXX. Also sent by certified mail to both the XXXX XXXX and Street address for XXXX XXXX XXXX ( 3rd party collections ).  Called on XX/XX/XXXX to have XXXX XXXX XXXX XXXX removed and they were rude stating it was my debt no matter how many times it would be sold and then they hung up on me. My credit was in great standings and in the 700 's ( for almost 2 years ) now its negative and in low 600 's.  The following are the amounts stated on my credit file : XXXX {$470.00} XXXX {$46.00} XXXX {$320.00} XXXX {$55.00} XXXX {$220.00} XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/18 I returned a previously purchased item back to the store ( XXXX XXXX XXXX ) with the expectation of having the funds returned to the Bluebird card that was utilized for the purchase, in the amount of {$44.00}. 

On XX/XX/18, I noticed that the {$44.00} was pending to be returned to my account, but for some reason the returned item said the return was " under review ''. I contacted the American Express Bluebird company to get an explanation of what " under review '' meant. The customer service representative stated that its under review because the monies had not yet been received from the store returning the monies. So I stated that its untrue that monies are waiting to be received, because XXXX XXXX XXXX confirmed that the monies was returned to my card on XX/XX/18. 

I asked to speak with a supervisor ( XXXX ) who again stated that my account says " under review '' because the monies had not yet been received. The supervisor stated that the money would not be released into my account until XX/XX/18. 

I asked the supervisor how could the money not be received when it's stated in the account activity. The supervisor stated that all she could tell me was that I will have the funds released on XX/XX/18. 

I have never experienced this scenario before with this company. Anytime my monies have been returned on a purchase, I had my money released to my account. 

The American Express Bluebird card company has not been helpful at all. 

In addition, in the past I have had to recoup monies from the company for ATM fees that were never supposed to be charged. The company is unethical in its practices, and they are holding onto my money after its already been released by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I made three deposits, XXXX, XX/XX/2018, XXXX, XXXX, XXXX, XXXX. Well Them I paid my rent, which included some back rent, then paid the rent for XXXX. All totaling about {$1900.00}. The checks bounced and when I checked, there was a verification hold on my account. I called the number, several times, only to be sent to a voicemail. I tried other ways, but always got sent back to the voice mail. It said they would call me back. They never did. Now I'm in danger of being evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently got a copy of my credit file from Experian due to a inquiry that popped up on their. I have not applied credit in a long time. Who authorized someone to pull my credit file? Who allowed for them to pull my credit file when I have a Fraud Alert account? According to the FCRA, it's unlawful to provide my credit file without my approval or consent.

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 2018-07-09 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: MD

Complaint narrative:
I spoke with a representative with XXXX XXXX XXXX an offered me a re-age program to pay {$93.00} a month on my XXXX credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program XXXX offered to help pay off you credit card balance. I spoke with XXXX  and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion and XXXX  are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.

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 2018-07-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at XXXX XXXX XXXX XXXX. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. XXXX XXXX XXXX XXXX refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Between XX/XX/2018 and XXXX XXXX XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.

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 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX left a lengthy message about an acquaintance asking us to have them call back re : a debt owed. They shared enough info in a phone message that we knew it was a collections call. XXXX XXXX has never used our phone or lived with us- is not a relative. XXXX violated collection laws by sharing this information in a phone message. XXXX @ XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
To whom it may concern, My Step daughter XXXX XXXX was allowed by a franchised location of XXXX to purchase a new phone under my plan without my consent. For months I was forced to pay the premium insurance charges on my account in addition to the phone line. We I called XXXX and explained the situation they agreed to get that line and the phone out of my name. When the next month came, I noticed the phone was still on my bill. I called to complain and I was informed they could not and would not remove the phone from my name. I decided to move to XXXX. I tried to return the phone however XXXX refused to take the phone back. XXXX would have only help me pay the balance off if there was a number attached to the phone that I was moving to XXXX. Obviously that was not the case. I was not going to allow my step-daughter to have another line under my name. This balance is not my responsibility. I never signed for the phone and I was told it would be removed from my name. Please delete this from my credit.

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 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on 5 occasions i asked for the credit agencies to validate the information that was being filed on my credit report. They did not comply but only sent me an updated credit report each time. According to the 609 credit reporting act the agency should have a copy of my application with a valid signature. They have not been able to supply me with this information to validate the debt.

The credit card company has also called my place of employment and disclosed that I owe a debt to my supervisor. This was very embarrassing. This took place on two occasions after I sent the company a letter requesting them to stop harassing me.

I sent them this letter because they were calling a friend of mine up to 10 times a day and were asking to stop calling and told them that they do not have my contact information. They refused and continued to harass my friend and myself.

I sent letters to both the credit card company and credit agencies on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. 

The credit card company only responded with the harassment of phone calls and letters threatening to sue me. The credit agency only responded by saying the debt was validated and sending me an updated credit report. 

On XX/XX/2018 I contacted transunion and was told the debt was validated ad there is nothing I could do about it other then pay it but the debt is not mine until i see a valid application and signature on file. There has been extensive use on the credit card that i did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for several accounts and services that he never authorized. An application with XXXX/XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX and XXXX. Official disputes of each of these were sent to the each company however a credit report reviewed today XX/XX/XXXX listed these three remaining items. These items are in violation of FCRA and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My morgage has been in forebearance since hurrican Irma hit FL back in XX/XX/XXXX/XX/XX/XXXX. My insurance company setteled my claim but the money is being held by Quicken Loans out of XXXX, MI. Repairs have been complete for over two weeks and Quicken can not get their outside vendor ( inpector ) to call me and schedule an inspection to verify repairs have been made -- -so that the balance of the money can be transfered to me. My house is up for sale b/c I am XXXX XXXX and need to move to WA state for my next XXXX assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX provided me with documents that do not reflect the debt amount they are trying to collect The XX/XX/XXXX statement clearly shows a different amount than they have placed on my credit report and are trying to collect for. The last XXXX XXXX statement was XX/XX/XXXX because the account was charged off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CA

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: CA

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018 Douglas Chancellor Meyer placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RevSolve, Inc.
State: AR

Complaint narrative:
Around XX/XX/2018 an affidavit of denial and contract request was sent certified USPS to  Revsolve Inc obligating me to a debt they say I owe. I since then received a phone from XXXX XXXX on XX/XX/2018 at XXXX regarding this debt. XXXX XXXX has failed to provide proper validation in accordance with the Fair Debt Collection Practice Act while attempting to collect on a debt when without properly verifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2017 bank of America reported late payment on my account whichnot suppose to happen because inrollled in auto pay but after 2 months they told I am not inrolled because I have business checking account instant of personal checking I was not inform about this situation on time so please remove this late payment with credit report agency for the month of XX/XX/2017 XX/XX/2017

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 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC
State: PA

Complaint narrative:
If presenting there looting activity inside my property organize by those criminals is consider harassment only for make it public I wonder how will be consider ween we are going to meet those criminals and looter organizer in criminal court soon. Those criminals can understand that I have no mortgage no financial obligation and their looting was criminal illegal and fraudulent NOW lying and deceiving CFPB present even more facts that those criminal ( find guilty by the Superior Court ) the show total disrespect for CFPB We must drain this filthy face of corruption and looting organizer They foreclose criminal in top secret close door illegal and fraudulent and this is more criminal than any theorist activity and I strongly believe that this is the biggest dagger against Americans. After it they used criminal looters lying law garbage firm XXXX XXXX XXXX the worst criminal looter in the country, use those criminals to lie in courts, defraud people and if they can not intimidate some clients they organized death treats to their clients as is my case. If this is the landing and mortgage servicing organize by XXXX, and this XXXX XXXX running XXXX XXXX that we must close this criminal business permanently. I am sure those criminals refers to this as duplicate referring to their criminal activities not to what I presented. As mention to all Governors in each state in USA in in particular the State of PA, NJ and Organ I will keep informing everybody about the criminal activity inside my property for which I do not have any financial obligation, mortgage, loans or credit cards as I do not need. American people are losing their property due to criminal activity properly presented below. Also CFPB must take in consideration that in PA the ownership law was flagrant violated by Law Firms that are experts in lying even to their clients and triple charge them ( find guilty in Superior and Supreme Court ).  XXXX XXXX XXXX, Law Firm Phelan Hallinan with theirs pettifogger lawyers, XXXX, XXXX and XXXX XXXX and the looting company XXXX XXXX. They can lie, cover up abuse but I will never ever stop period until I get back my property and all stolen furniture, electronica, home decoration looted by XXXX XXXX with direct help form XXXX using looting expert law firms XXXX and Phelan, Hallinan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Coastal Credit, LLC
State: GA

Complaint narrative:
XX/XX/2017 AN INQUIRY WAS PLACED IN MY CREDIT REPORT BY COASTAL CREDIT I DID NOT AUTHORIZE THIS COMPANY TO RUN MY CREDIT REPORT I AM A VICTIM OF IDENTITY THEFT AND A FRAUD ALERT HAS BEEN PLACE ON MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Credit Systems international Date : XX/XX/XXXX- {$310.00} XX/XX/XXXX- {$33.00} I have disputed this account with the company and the credit reports several times. The XX/XX/XXXX for {$310.00} has been removed several times and added with different dates and/or amounts. The XX/XX/XXXX was added and deleted several years ago, due to the creditor not being able to verify the account. I have sent the company a debt verification letter to verify the account, the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITICARDS CBNA XXXX XXXX DISPUTES XXXX XXXX, SD Has added " Consumer disputes after resolution ''. I NEVER disputed anything. I have asked Citi bank to investigate and they confirmed that they did not put this comment. This is impacting my 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 non-monetary relief