vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 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: TN

Complaint narrative:
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, XXXX, and Transunion. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports

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 2018-09-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from Equifax, XXXX, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased a sofa bed online from XXXX XXXX XXXX/XXXX XXXX  in XXXX of XXXX in the amount of {$2900.00}. The company attempted delivery of the couch in XXXX of XXXX but the couch would not fit on the building elevator so it was returned to the warehouse. From the date of purchase in XXXX until the delivery date I was making payments on this couch. These payments amounted to about {$320.00}. One payment was made on XX/XX/XXXX in the amount of {$200.00} and the other payment was made on XX/XX/XXXX in the amount of {$120.00}. I may have made other payments besides these two payments. 

After dealing with XXXX  XXXX XXXX/XXXX XXXX on the phone I got so exasperated by their incompetence I went down to the local XXXX XXXX XXXX store and canceled the purchase for a refund. The Supervisor at the store canceled the purchase over the phone with XXXX XXXX and requested a full refund. 

When I received my statement from XXXX XXXX   immediately following the cancellation of this order I saw that I was credited back the purchase price of the sofa bed ( {$2900.00} ) but not the payments that I made between the time the couch was ordered and its the cancellation date, these payment were for approximately {$320.00}. 

I contacted XXXX numerous times via the phone in an attempt to resolve this but was met by only extreme frustration. I also filed a written dispute with XXXX XXXX but have not been able to resolve this issue. XXXX seems totally incapable or totally unwilling to resolve this problem. 

I demand the refund in the amount of {$320.00} for the payments I made between the date I purchased this sofa bed and the date I canceled this purchase. 

I have attached 3 XXXX Credit card statements showing these 2 payments ( {$320.00} ) I made and the refund amount ( {$2900.00} ) minus the credit for {$320.00} that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: NV

Complaint narrative:
Actions taken by Receivables Performance violate the federal Fair Credit Reporting Act and have had negative impacts on my credit worthiness. I cancelled service with XXXX in XX/XX/2017, sent equipment back, but still received bills in large amounts with invalid billing. Issue has since been resolved with XXXX, invalid billing was credited by XXXX and I paid valid charges, attachment, proof of XXXX balance. I contacted Collection Agency, Receivables Performance, who were informed initially that this was not valid, but attempted to collect debt from me anyway and damaged my credit rating by adding to my credit report. I advised them of error, dispute and resolution with XXXX and I requested corrective actions be taken, in the form of zeroing out this balance in their systems and removing this invalid debt from all 3 of my credit reports. Receivables Performance indicated that I still owe {$700.00} and refused to remove from my credit report, despite resolution actions taken by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ThunderRoad Financial, LLC
State: TX

Complaint narrative:
Thunder Road Financial has came to my house several times and all hours ( XXXX XXXX ). They have taken pictures of my home, cars in my drive way and talked to neighbors. Now they are texting everyone from my phone book. I believed they hacked my phone account because they are calling my in laws and I didnt even know my in laws 3 years ago. They are texting my deceased fathers ex wife and her son and I have no contact with them in a year. I called them and advised them to stop harassing people I know and they hung up. The man that text everyone gave my name and some case number. So everyone got worried about me and called.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Getting foreclosure docs from wells Fargo bank. Wired money and documents from wells Fargo bank

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 2018-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance has made it clear from the start that they favor borrowers that supply them with banking information so they can automatically deduct payments, charge fees, and wreak havoc on borrower 's personal finance generally undetected. I have shielded myself from such a lack of integrity by paying my bill, faithfully on time every month via debit card. I called today to do the same and was told that Capital One has now outsourced debit processing to their " third party '' affiliate that charges {$3.00} online and {$7.00} over the phone to process debit payments. Capital one has essentially created a punitive tax for consumers who won't allow them unrestricted access to their bank accounts which borrowers are under no obligation to provide them with. Can you please protect myself and other borrowers that pay by debit card from this retaliatory measure by Capital One? Make them remove their processing fees for their unnecessary expenditures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Genesis Lending
State: AZ

Complaint narrative:
I filed for Loan Forgiveness in connection to the Debt Relief for XXXX XXXX Students and I am filing this compliant against Genesis Lending in connection to that filing and in connection to the CFPB Complaint Case No. XXXX. 

I attended XXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. During my tenure at the school, I was required to " apply '' for new loans each quarter semester and several times, the financial counselors informed me that I was not eligible, in full or in partial, for Federal Assistance and that I would be required to take out a Genesis Loan to cover the costs. In the CFPB Complaint Case, it is noted that XXXX, rather than reduce tuition to eliminate the shortfall " funding gap '', I was preyed upon to take out Genesis loans that XXXX XXXX had a financial interest in. 

In my application for Loan Forgiveness, a copy of which is being provided, I was not provided adequate career services or opportunities. The job that I obtained to complete my externship was unpaid and resulted me being hired as a XXXX XXXX, not a XXXX, for which the degree I obtained. The salary for this position was less than what I was earning at my prior office job before the economical crisis. The salary for this position was not sufficient to cover living costs and to pay my school loans. I was able to pay my Genesis Loan ( s ) in full post graduation but at times, I have not been able to pay my Federal Loans and have had to put my loans on forbearance. 

It is my position that XXXX XXXX deceived me and unfairly induced me, as student, to incur additional and significant debt in the thousands ( of dollars ), via obtaining loans from Genesis Lending, to graduate from a institute that could not prepare or provide me the adequate tools to obtain and secure a job that would support myself and my family, and to pay my student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
On XX/XX/XXXX, we went to court as the company who purchased my debt ( XXXX XXXX ) obtained legal respresentation ( Blitt & Gaines ). I, did not have an attorney representing me. The attorney for Blitt & Gaines had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The Blitt & Gaines attorney stated the the debt was valid because I signed for the credit card. 

In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. 

In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. 

My wage garnishment were 25 % for the total {$1900.00}. 

On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called Blitt & Gaines they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. 

Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: VA

Complaint narrative:
I obtained my free credit report on XX/XX/2018. It was at this time that I noticed a Bankruptcy that was attached to my credit file. On XX/XX/2018, I sent a certified letter to Equifax. The letter was dated XX/XX/2018. In the letter, I stated that I did not know the source of the bankruptcy and therefore, this was a violation. ( Letter attached ). I called and spoke with a representative concerning the inaccurate, negative mark on my report. The representative stated the information related to a bankruptcy was verified accurate by the United States Bankruptcy Court. Soon after, I received the Equifax investigation results. Equifax stated that the bankruptcy was verified through a third party, XXXX XXXX. I submitted a letter to the United States Bankruptcy Court. In the letter I asked how the credit bureaus or any third party agency verfiies a bankruptcy for a debtor? The bankruptcy court responded in a letter dated XX/XX/2018. The letter stated that the " Court have no jurisdiction over credit reporting, nor do they provide information to the credit agencies or verify the accuracy of such records.. '' I also initiated an investigation with XXXX XXXX. I finally received an answer from XXXX XXXX on XX/XX/2018. Their results indicated that XXXX was unable to verify the accuracy of bankruptcy within the timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX XXXX report. 

I submitted all of this information on XX/XX/2018. It was not removed, nor did I receive a response. I called Equifax on Monday, XX/XX/2018 to once again dispute the bankruptcy that still remains on my credit file. The representative told me he would attach the documents previously sent on the new dispute. The next day my credit score drops XXXX points and Equifax is listing a new bankruptcy! I called and spoke with " XXXX '' yesterday, XX/XX/2018 and was told my documents were " out of date '' and that I would need to resubmit everything I had already sent to PROVE my case. Equifax wants me to waste more money and time to fix their error. I will not! As a consumer I have done everything I needed to do. I have provided more than enough adequate support. 

This is absurd! I have been trying to resolve this issue for nine months and I keep getting the run around. I have completed my research, documentation, spent money and time. The representatives are reading off of scripts and no one truly provides the consumer with what is suppose to be FAIR! I know my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: MS

Complaint narrative:
I HAVE SENT LETTERS TO ALL THREE CREDIT BUREAUS, STATING THAT MY IDENTITY WAS STOLEN AND I NEED THEM TO VERIFY THESE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. XXXX  AND XXXX HAVE REMOVED THE ACCOUNTS THAT I DISPUTED BECAUSE THEY COULD SHOW VALIDATION. AFTER WRITING 3 LETTERS TO EXPERIAN ABOUT THESE ACCOUNTS, THEY STILL HAVE NOT SENT ME ANY PROOF THAT THESE ARE MY ACCOUNTS AND INQUIRIES. AFTER THIS COMPLAINT, I PLAN ON WRITING ONE MORE LETTER. IF THEY DON'T REMOVE THESE ITEMS I PLAN ON TAKING LEGAL ACTIONS.

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 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
D. Scott Carruthers XXXX is attempting to collect a fraudulent debt not belonging to me. 
I am the victim of Identity theft. My personal identification cards, SSN Card, Drivers License, U.S passport, and bank statements were  stolen from my home. 
I am disputing the validity of the debt of {$4500.00}. The debt of {$4500.00} has never belonged to me and was obtained by unauthorized use of my identifications. 
I will not pay or intend to pay this debt because it does not belong to me. 

D.Scott Carruthers XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I recently went through a divorce and ran up the balance due to all the cost of divorce. I ended up selling my vehicle to pay this credit card.The balance was up to {$20000.00}. I paid this statement balance in full on XX/XX/2018. My due date isn't until XX/XX/18 or the XXXX of every month. I did not charge anything else on the card so it would be a XXXX balance statement. When I got the statement it had only one charge which was an interest charge of {$180.00}. I looked over the terms and conditions which state if you pay your balance in full by the due date you will not be charged interest. I contacted chase through their secure messaging center on XX/XX/2018 and requested them to waive the fee as this was a unfair deceptive or abusive act and to please waive the interest charge. They said no its a legit charge. I reached out Chase on XXXX on XX/XX/2018 and asked the same and they just don't care. Nowhere in their statement does it say anything about residual interest or that you have to pay multiple statements off in a row. This is deceptive and I've never had this issue with any credit card. If you pay the statement balance in full by the due date then you dont get charged interest. I'm wondering how many people have had this happen to them and they just keep doing this and taking advantage of people because they are so big? Terrible customer service terrible bait and switch. Just lying to the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: LA

Complaint narrative:
Where I live is a very small town where everyone know everyone 's business. I am fraudulently being charged money for child support. And my privacy is very compromised. I was making payments on this loan faithfully. The loan was close to being paid off. I would pay months in advance to assure payments and then some. The fist loan was for the amount of XXXX, then the second loan was for XXXX. They combined the remainder from the first loan and the second loan with another monthly bill amount. I continued to make payments the same. Until I got into a legal situation that refrained me from making payments. I contacted them about the situation. Then I filed my taxes as soon as I filed my taxes. The taxes were taken for child support. Fraudulent child support keep in mind. But since I am having problems with settling that matter. I felt some sense of relief knowing that some of the child support payments were being reduced. Well right after that. I received a notice on the door from the loan company sending me to court suing me for over 3000 dollars. As if I had never made any payments to them at all. I feel that I do not owe them that much money. And as I researched the company. I saw that several other people had several complaints similar. I feel very harassed from this company because it seemed ironic that they would do something like that to me. Right after attempting to make a payment towards the child support. I felt it to be insult to injury. Especially the fact that I consistently made payments to them. How so they could charge me so much more than what the loan actually was along with collecting so many payments from me. I feel as if I was scammed and being manipulated to make payments that I do not owe. The name of this loan company is XXXX XXXX in XXXX Louisiana. At first they were acting accordingly then all of the sudden they became greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
II have a charge on my account for {$2.00} with XXXX XXXX XXXX and I did not make the purchase of {$2.00} with XXXX XXXX XXXX. I went to a chase branch and was told that it was going to be disputed around XX/XX/2018. I was told by Chase on the phone on XX/XX/2018 to call XXXX XXXX XXXX pertaining to the charge. So, I called XXXX XXXX XXXX and spoke to a Manager Name XXXX XXXX who advised me to dispute it with Chase. I then Called Chase back and spoke to a Chase Manager Name XXXX who was rude to me and refused to file a dispute regarding the XXXX XXXX XXXX  charge. I then asked to speak to another manager several times and that was refused. Then XXXX hung up the phone on me. I also was told by chase to close my debit account and I declined. I just want my dispute to be resolved.

Company response to consumer: Closed with monetary relief