vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: STERLING JEWELERS, INC.
State: MN

Complaint narrative:
On XX/XX/2018, XXXX XXXX Central time, I had walked into a Jared Jewelers [ XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ] to get two watch batteries replaced. During this time, a younger gentleman in his mid XXXX  was helping me with my watch battery replacement, and we were chatting about watches. I just discovered my love of watches a few years ago, so I was enjoying discussing different brands and styles. He asked me about future purchases, and I said I don't plan to purchase anything right now but maybe in the future. He then stated they have a payment plan where I could pay " around {$60.00} a month '' if I ever decided to buy anything. Knowing that I wasn't planning on buying anything that night, I said that was good information to know for the future. Upon ringing me up, he handed me an XXXX to fill out basic information such as my address, etc to " see if I qualify for the special he was talking about. '' He also lead me to believe this was necessary to fill out so he could put the two watches on file in their system so I could continue using the watch battery for life promotion they do, and the company would know which watch is which. We continued talking, and by the time I got to the last page of filling out basic information, I realized he had coerced me into signing up for an actual CREDIT CARD. No where in the conversation and interaction was the word card, or credit card ever mention. No mention of APR, no mention of what I was signing up for. It was presented to me as if these steps were necessary to complete my watch battery transaction so my information could go on record and I would be to take advantage of the watch battery for life deal they offer. I have spent YEARS trying to rebuild my credit after having my score tarnished from past student loan issues. I have worked multiple jobs, over 60 hours a week and then some, to make sure my score is being repaired. I have not had a credit card in over 7 years, and I was being very selective of which card to apply for as my first. I couldn't believe that in a blink of an eye, this young man at a jewelry store coerced me into getting " just a credit card '' as he put it. Not only will this card do a hard pull inquiry ( he didn't even know what this term meant ... ) but it seemed like this was no big deal to him. I feel absolutely violated that I let my guard down at a jewelry store. I want everyone to be aware how sneaky these people can be. In a matter of minutes, this XXXX-something individual was able to ruin over 5 years of hard credit repair work with misleading me into signing up for a credit card I absolutely did not want.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: The Outsource Group, Inc
State: TX

Complaint narrative:
I have disputed this account entry with XXXX on numerous occasions. In my letter dated, XX/XX/2018, I requested debt validation ( see attached letter ). I submitted a second request to them in my letter dated XX/XX/2018 ( see attached ) and they did not respond. XXXX blatantly ignored my request to provide a copy of the financial responsibility page and a copy of my signature with the alleged provider of service to release medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. XXXX did no such thing. 

By not providing the aforementioned information that was requested, XXXX is in violation of HIPPA rights. This entry is erroneous and inaccurate in nature as well as unverifiable and therefore should be deleted immediately from 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 explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with OneMain. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
A collection agency by the name of AFNI showed up on my credit in the amount of {$1300.00} in or around XX/XX/XXXX/XX/XX/2018. I disputed the amount at that time and requested for them to validate the debt by showing my original signature and contract showing this amount. I have no contract or signed any documents with AFNI. I also requested validation of a contract between them and the original creditor. I was informed they did not have information on the account and it would have to come from XXXX. XXXX no longer has the account and they are not reporting it. I again requested validation of the debt in or around XX/XX/2018 and was again informed they have no information on the account. I called on XX/XX/2018 in one last attempt requesting validation of the debt and was informed once more, that they have no information and can not pull my file. AFNI has failed to validate this debt or provide any documentation with my original signature or contract within 30 days I request for this collection to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
Receivables performance MGMT XX/XX/2017 this company send me a bill collect for The originally XXXX XXXX .. for the amount of {$570.00} I contac XXXX XXXX and XXXX  and XXXX this bill is a fraud from someone else stolen theft my identity at this time I provide you my real ID my driver lincense with the only I Adress I live at for the las couple years! Now Im asking you to take care this situation .. in the right way and fair XXXX XXXX say they dont know about this account but is in my XXXX report from you. I need this verified again and I need you to take this off my credit report XXXX  be cuz I never get any service from you or XXXX XXXX I can prove it in court if we have to go the bottom line of this situation.

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 2018-07-25 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: TX

Complaint narrative:
Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX   Date of Inquiry : XX/XX/XXXX The above listed inquires are fraudulent I have contacted all creditors listed and they have all failed to provide me with documents bearing my original signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX charged my credit card {$2600.00} on XX/XX/18 for something I DID NOT purchase. When I contacted American Express to dispute the matter they said they would contact XXXX to dispute the charge. American Express is now saying they contacted the merchant who CAN NOT provide ANY proof that it's a legitimate charge and they are going to go ahead and re-post the charge on my account despite it NOT being legitimate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: IA

Complaint narrative:
XXXX XXXX incorrectly reported me 90 days late to all 3 credit agencies. I was never late, as I had applied for a forebearance, and they never processed the application. Later, I refiled the forebearance request, and it was processed 90 days late. I complained to the company by both letter and email, and they sent me a generic response saying they weren't going to do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with XXXX. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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:
I have disputed this account multiple times and Equifax removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

XXXX XXXX Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. Equifax is continually allowing creditors who are unauthorized to access my information and this is against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
complaint XXXX about TRANSUNION - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically XXXX - is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. XXXX is reporting old/inaccurate 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 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
I made my scheduled payment on XX/XX/2018 and paid the full amount to my mortgage lender, Home Point Financial. This was my third payment to them, as my mortgage was recently sold to them. Later in the month ( about two weeks later ), I received a modified escrow schedule. The schedule states that based on Home Point Financial 's Analysis, my payment will need to be increased about {$160.00} per month and the company " likes to keep a reserve in escrow of {$520.00}. '' It clearly stated this was not a bill. I received another such notice within about a week and this time the monthly estimated increase in payment was about {$150.00}. 

On XX/XX/2018, I received a letter informing me I was {$160.00} delinquent on my account for XX/XX/XXXX and threatened with collections. For the past week before, I had received calls every day from Home Point Financial where no message was left. On XX/XX/2018, I received a phone call informing me I was delinquent on the account and a woman telling me she wanted me to pay right now. I informed her I was looking into the matter and was in the process of making payment. She then threatened to send this to collections if it went due past 30 days. 

This prompted me to call Home Point 's customer service. I was told the balance showed XXXX on one screen and that I owed {$160.00} on another. The representative stated " well you have 60 days anytime your mortgage is new for payment so it's not an issue. '' She then attempted to collect the money and I asked about the authorization for the escrow reserve which was never granted by me. She sent me to escalations and I spoke with another gentleman. He advised the analysis on my account for escrow should not have ever been run and my payment should not have changed. He confirmed that if it had been changed, I would have had 60 days advanced notice. He said he would try to set my payment back to what it was and I would need to check to make sure the XX/XX/XXXX payment ( which I was told was held and not applied ) had gone through in a couple of days. 

I sent a message to customer service again inquiring as to the authorization for the escrow reserve and a better explanation of the analysis which was run on my account when it shouldn't have been. All I was told was they saw I spoke with someone on the phone and they " apologized for any inconvenience. '' So they make a mistake, demand more money and not notify me until long after my payment was made that I owe them for a large escrow reserve I never agreed to. On top of that, they then harass and threaten me with collections for their mistake???? This is not an acceptable business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To Who it may concern, Ive been in bankruptcy since XXXX and my case was dismissed due to job loss. I filled out paper work with CitiMortgage in XX/XX/XXXX since I sent all my Doctuments since XX/XX/XXXX then they kept asking for other paper work and its an ongoing thang with CitiMortgage all I want is my loan modification if Ill be getting the help or not, my Point of contact has been telling me I qualify for the best loan mod but there is always an issue they never get my paper work or something is always missing. I have all the paper work I scanned and email or faxed I JUST CANT LOSE MY HOUSE

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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Regional Adjustment Bureau, Incorporated
State: TN

Complaint narrative:
These people call several times a day to my home, my cell and my job. They have been asked to stop calling but keep call despite. They have to left any messages but will tell co-workers that they are a debt collection agency and they too, are being recorded. This has been going on for three weeks. The company name is RAB. They truly harass and will go as far as to speak to others about you in an unpleasant tone.

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 2018-07-25 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have disputed this account multiple times and XXXX removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

DIVERSIFIED CONSULTA Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. XXXX is continually allowing creditors who are unauthorized to access my information and this is against my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a mortgage ( loan # XXXX ) with Citibank for an investment property XXXX XXXX XXXX XXXX XXXX, IL XXXX. The mortgage payment was setup on automatic payment plan. Citibank changed their internal mortgage payment plan vendor and thus the automatic plan was cancelled. I was delayed for 2 months on my payments due to this as I didnt realize the issue. Citibank contacted me and I immediately paid the balance due in XX/XX/2018. The account is now current. However the payment delay is impacting my credit score. This should be removed from my credit score as I paid the amount as also the fact that Citibank changed their internal system and voided my automatic payment plan that was already setup.

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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to establish an account with XXXX XXXX. While reviewing his credit reports he found an account from XXXX with Bank of the West ( BOW ). In an effort to obtain information about this account an official debt validation letter was mailed to BOW XX/XX/XXXX, certified mail with return receipt XXXX XXXX XXXX XXXX XXXX and was delivered to BOW and signed for XX/XX/XXXX at XXXX XXXX. XXXX never sent a reply or any account disclosure information to my client concerning the reported account. A credit report obtained XX/XX/XXXX shows the BOW account stuill being reported to XXXX and XXXX. This action is a violation of both FCRA and FDCPA consumer law by BOW.

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 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
There was a fraud account transfer from my checking account for a total of {$350.00}. The app used was XXXX XXXX app. I tried to contact the person ( XXXX XXXX ) whom the money was transferred to and they immediately blocked my number after withdrawing the funds. I immediately called XXXX XXXX App but they asked me to call my Bank to dispute it. I called my Bank ( PNC ). They took more than 8 weeks and denied my claim and charged me Overdraft Fees ( {$72.00} ). Either XXXX XXXX could have called the person ( XXXX XXXX ) and resolved ot my bank ( PNC ) would have done a proper investigation. Instead PNC charged me overdraft fees and failed to do a proper investigation. Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC I want XXXX and PNC to investigate the fraud with the person XXXX XXXX and refund me the total {$350.00} + {$72.00} = $ {$420.00} Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC Information about the app : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX is a mobile payment service developed by XXXX XXXX, allowing users to transfer money to one another using a mobile phone app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: LJ Ross Associates
State: IL

Complaint narrative:
I have disputed this entry with both the credit bureaus and LJ Ross Associates alike. In my letter dated XX/XX/2018, I specifically disputed the inaccuracy of this account with LJ Ross. I never entered into a contractual agreement with this company whereby I would have had terms of 1 month with them. Additionally, due to this entry not being a data factoring account, there should be no payment history attached. Why would only 2 months of payment history be reported? LJ Ross never responded to my request and therefore did not substantiate the validity of the data they reporting negligently. To that end, this entry must be deleted immediately from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I do not owe XXXX XXXX {$300.00} or any other. This account has been closed charged off.

Company response to consumer: Closed with explanation