vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am an XXXX in XXXX XXXX, and received a lengthy voicemail threatening my future if I did n't call " XXXX '' back before close of business today. My phone number is on the Do Not Call List, and I owe no outstanding debts to anyone -- I have stellar credit on all credit reporting agencies. Nevertheless XXXX called my cell phone ( which is a South Carolina number, and I have had it for decades ) at XXXX and left his abusive and threatening message about a debt that XXXX XXXX owed. I know many XXXX XXXX -- it is a very common name. But that is not my name. I called XXXX back and he refused to tell me how he got my cell phone number or more details about why he was calling me, or how he knew my name was XXXX XXXX. His supervisor did the same. This debt collector is calling random or targeted people with the last name XXXX, apart from the alleged debtor, in an apparent attempt to force the debtor to pay. I do not know who the debtor is, but there is no other reason to call my number and leave a threatening message for XXXX XXXX, when my name is not XXXX XXXX and my voicemail greeting clearly states that. This is aggressive and abusive debt collection practices, and also violates the Do Not Call list, as my number is listed there and this company has no business with me. This bank called from phone number XXXX, and XXXX stated to call him back at XXXX, extension XXXX. His supervisor is XXXX. Both XXXX and XXXX demanded to know my first name and I refused to provide it, stating they should already know it before calling my cell phone number ( which I repeated for them ). XXXX kept demanding to know my first name, and I refused to give it, as she refused several times to give me her full name as well. This bank should not be allowed to harass other people related to a debtor, or bearing the same last name ( XXXX is very common in parts of the world ) in order to collect debts or attempt to embarrass a debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While viewing my credit report I have a few hard inquires from when I applied for a mortgage starting in XX/XX/XXXX. I thought applying for a mortgage within a few months was counted as only one hard inquiry. 

XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XX/XX/XXXX All XXXX of these hard inquiries are for a mortgage I closed on XX/XX/XXXX with XXXX XXXX These hard inquires appear on all reporting agencies on my and my wife 's credit reports Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Hi, I am having problem with my student loan agency. They continue to call me after I have made a posted dated payment over two weeks ago. They informed me if I made a posted dated that the call will stop. However they have call me almost everyday and multiple times a day. Every time I told them the same thing, that I made a posted dated payment. I feel like I am being harassed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with Capital One, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with Capital One, so I called Capital One about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that Cap One likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from Cap One. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called Cap One again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and Cap One not correcting its error, I am left with no option but to seek assistance from the CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BLACK HILLS CHILDREN'S RANCH, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX my payment of of {$290.00} was received by Pioneer Credit Counseling, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to XXXX XXXX XXXX on or before XX/XX/XXXX but was not. The payment of {$8.00} was finally made to XXXX XXXX XXXX on XX/XX/XXXX. This now shows up as derogatory information on my credit report for being a month late.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX-Apparently someone has opened an account in my name and was paying them. But it was not me I have never had a account with XXXX XXXX. I am a victim of Identity theft AMERICAN EXPRESS SERVE- I HAD FUNDS TAKEN OUT OF MY ACCOUNT THAT WAS NOT AUTHORIZED BY ME. {$320.00} WAS TAKEN FROM MY ACCOUNT THAT WAS NOT AUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX I contacted Synchrony about the terms of a mattress purchase. I had purchased a mattress from XXXX XXXX on XXXX for {$2800.00}. The financing terms for the purchase were 48 month equal payment no interest. I received a printed set of disclosure information from the sales person about their credit card from Synchrony and she reviewed the terms of the credit purchase. I received the bill from Synchrony and setup automatic payments to cover the balance over the term of the agreement - no issues so far. Then on XXXX, I used XXXX XXXX 's comfort exchange for a second mattress at a higher cost. The difference in the first and second mattress was input into XXXX XXXX 's online credit system. I then received the final receipt. I noticed that the difference amount was financed on the store 's credit card with new finance terms, 12 month deferred interest. I questioned the difference in finance terms and got a shoulder shrug from the sales person and they said it was because the $ amount was too low to go on extended payment. OK, at this point I 'm XXXX. The store wo n't issue a refund and I did n't want to cancel the transaction and keep the first mattress that I was completely dissatisfied with. The terms of financing were n't disclosed to me before the final receipt was handed to me. Had I known I might have opted for finding an equally priced mattress with out the additional cost. I mistakenly assumed that the extended payment program would be honored for the total purchase cost of the second mattress similarly as the first. So when I spoke with Synchrony on XXXX I expressed my disdain for the mattress stores financing practice. They said if XXXX XXXX would issue a credit for the original purchase and submit the XXXX amount it would be fixed. Additionally they said I had to contact XXXX XXXX to get the issue settled. I contacted XXXX XXXX about the issue and questioned why they do n't just refund the original purchase and charge the full price of the second mattress. The rep said they regard comfort exchanges as " upgrades '' and are processed separately. This is not disclosed in either their paperwork or through the sales staff. I told the rep they were defrauding customers on financing terms. She got mad and hung up on me.

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 2017-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
While viewing my credit report I have a few hard inquires from when I applied for a mortgage starting in XX/XX/XXXX. I thought applying for a mortgage within a few months was counted as only one hard inquiry. 

XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XX/XX/XXXX All XXXX of these hard inquiries are for a mortgage I closed on XX/XX/XXXX with XXXXXXXX XXXX These hard inquires appear on all reporting agencies on my and my wife 's credit reports Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
I opened a Jared jewelry credit account on XX/XX/XXXX. At the time Jared required 20 % down on all purchases for a year, I agreed and purchased some items, I called back on XX/XX/XXXX and asked what day would I be able to shop in XX/XX/XXXX without the 20 % down, and this company they have now called XXXX said that I should of never been charged 20 % down in the first place and let her ask her supervisor, so she gets back on the phone and sais, my supervisor said if you have any problems when you go to Jared have them call the authorization dept at XXXX, so I take an hour drive to Jared in  XXXX XXXX XXXX XXXX XXXX Michigan, and the clerk called and told her it ca n't be removed, so I called from the store and got a representative on the line told her I was recording this call for my clarification, and I asked her, to read the notes from my very first phone call to there company on XX/XX/XXXX this is what she said " customer wanted to know if 20 % could be removed spoke to supervisor and told customer it could be removed " I can send you flash drive if you need a copy this is deceptive practices and this report will be forwarded to the federal trade commission.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
After months of requests to ICS, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 2017-11-09 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: MD

Complaint narrative:
I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the CFBP.

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 2017-11-09 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: MD

Complaint narrative:
I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the 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 2017-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Nothing. I just want this debt removed from my credit being that the car was repossessed and 8 months after you reported to my credit that the car was affected by natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reached out to Capital One Auto Finance in XXXX to see if they would be willing to make a goodwill adjustment to my account and forgive late status from the prior year. The request was denied and they have reported to credit reporting agencies that I have filed a direct dispute with them. I sent a followup letter to Capital One that I was not disputing the accuracy of the late payments but rather requesting forgiveness for the late payments due to my circumstances. Again I received notification that my account was being disputed. I checked my credit report and it sates that the account is being disputed. 

Since they have done so, they accept the obligation to treat it as they have interpreted it ... .. as a dispute. This triggers their obligation to conclude a reasonable investigation within 30 days, and send me a formal notice of results of that investigation within 5 business days after conclusion of the 30-day investigation period. 

I believe this is a violation of the direct dispute process under FCRA 623 ( a ) ( 8 ). 

Capital One can not consider and report it as a direct dispute and then ignore their obligation to treat it as such. 

My request was not frivolous or irrelevant. I was in the process of home buying when I submitted my request. Having a disputed account made the mortgage lender I was working with concerned. I reached out to Capital One a second time to clarify the request and have the " dispute '' removed and Capital One ignored my request. This caused me to lose my lender and now I have to start all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover Student Loans recently changed its software program. As a result, the company did not migrate auto-pay and banking information for its customers to the new system. I did not receive notice of this until I logged on to my account on XXXX/XXXX/XXXX and saw that the payments for XXXX and XXXX XXXX had not been processed. I called the company that evening and they advised me of the software change. 

This loan entered repayment in XXXX XXXX when I graduated law school. I have made nearly eight years of timely payments. When their software deleted my auto-pay details, XXXX took away my on-time payment rate reduction XXXX 0.5 % ) and my auto-pay rate reduction XXXX 0.25 % ), which raised my interest rate from 3.5 % to 4.25 %. The representative could not guarantee that I would be allowed to have these reductions back, despite my years of on-time payments. 

I can only imagine that XXXX did n't undertake the likely simple process of migrating auto-pay information from its old system to its new to be able to take advantage of higher interest rates, late fees, and penalties from its customers. Fortunately, I noticed the missed payments before being assessed any late fees or penalties, but I 'm certain many others will not notice in time. The company told me they begin assessing fees and penalties after an account is 60 days delinquent. 

I would like my rate reductions restored, as I believe the company engaged in this practice with the intent of raising rates and assessing penalties and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.

Company response to consumer: Closed with explanation