vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I did a promotional balance transfer for {$12000.00} with 0 % interest until XX/XX/XXXX. The transfer occurred on XX/XX/XXXX. When I received my XXXX bill due XX/XX/XXXX, I paid the purchases that month in full of {$970.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$3.00} based on {$160.00} of purchases. I called and spoke with a representative on XXXX and questionned the interest charge. I was told that they would waive the fee ( which they did ) and that to avoid this in the future, I needed to pay the purchases in full each month plus the minimum payment due. I paid the total purchases of {$49.00} and my minimum payment due of {$120.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$4.00} based on {$230.00} of purchases. I called on XXXX and complained and I was told that it's a computation I'll have to complete each month by taking the new balance less the balance transfer and pay that amount. I actually paid more than that amount so the answer makes no sense. She waived the charge again but I have no way of determining what they are charging or why when the transfer balance should be {$0.00} interest and I am paying my purchases in full plus an additional amount. The customer service is terrible and they never have an actual answer as to why the interest is being charged or how the amounts are calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Security Credit Services , LLC contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC.
State: CA

Complaint narrative:
I have received multiple debt collection calls from the company " Sun Loan '' in XXXX XXXX, Texas. The company is calling to contact me about my sibling, who owes a debt that I have no knowledge of. I don't know what it's for, how much is owed, or why the company is calling me. I have not lived in Texas for close to ten years, as I am in the military. I have personally spoken with a female employee at the company twice, and asked to not be contacted anymore, as I'm not in close contact with the sibling. The employee was polite during all contact with me, but did not respect my request to not be contacted further. I blocked the number after they continued to call me. Today I saw that I could view calls from blocked numbers, and found that they have continued to contact me on nearly a weekly basis about this debt. I am worried that they will just start calling from another number once I haven't responded for a while.

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 2018-05-07 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: IQOR US INC
State: IN

Complaint narrative:
COLLECTOR KEEPS CALLING MY CELL AND BUSINESS LINE.

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 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested a full validation of bankruptcies Appearing on my credit file to the credit reporting agencies according to the Law, but they had not complained and these unverified item still damaging my credit worthiness. 
They need to delete unverified items according to FCRA section 609. 
Please help me to clean this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: GA

Complaint narrative:
I have requested a full validation of bankruptcies Appearing on my credit file to the credit reporting agencies according to the Law, but they had not complained and these unverified item still damaging my credit worthiness. 
They need to delete unverified items according to FCRA section 609. 
Please help me to clean this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Mr. Cooper contacted me in XX/XX/XXXX and said that because I live in Florida and our area was declared a disaster area they are offering a Forebearance program whereas they would allow you to skip from one to six payments at no penalty. The payments would extend the length of your mortgage by the amount of months you chose. I chose six months. When I went online to resume my payments in XX/XX/XXXX I was horrified to see that it clamed I owed fourteen thousand plus dollars and was ineligible to make payments.I never heard one thing from Mr. Cooper about being behind on payments between XX/XX/XXXX and XX/XX/XXXX when I finally contacted someone. For nearly a month I called and left messages and finally got a call back in XX/XX/XXXX. The rep said I did not qualify for that program and I had to pay the full amount or go through the refince process. She said there was never a forebearance program, they were told to read from a script and the goal was to get you refinanced at a higher interest rate. They ruined my credit by reporting non payments and I now have to pay over three thousand a month to get caught up. She claimed to have no answer as to why no one called me to tell me I did not qualify for this non existant program after they signed me up for it, or why they never called when my first payment became delinquent.They will not get rid of any late fees and will not contact the credit reporting agencies companies. They conned me during a time of a disaster and scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX LoanCare , LLC did an escrow analysis on my acct which showed a surplus in the amount of XXXX. As of XX/XX/XXXX the company still has not released my surplus. 

I have made several phone calls and have been told that nobody in Escrow takes phone calls. I have been told several times that this issue is being escalated and someone will call me back within 24 hours. I have yet to speak to anybody that can resolve the issue. 

I was also told on XX/XX/XXXX that on XX/XX/XXXX the company decided that they need to re review the escrow since the surplus was so large and that is why they had not done the refund.

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 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
On XX/XX/2013, this debt for {$1100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account 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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was a victim of ID theft. My name is XXXX XXXX, SS # XXXX, DOB XX/XX/XXXX This account was open on XX/XX/XXXX. My address is a general mail address in the City of XXXX. We have no mail at our physical address is the City of XXXX. I have disputed this account numerous times and the creditor says its mine. I have filed a police report # XXXX. This has caused me great harm to me and my family. XXXX and XXXX have removed it but XXXX will not! They keep saying creditor confirms its mine. Please Help! 
Here is the Creditors info : Barclays card Account # XXXX Date opened XX/XX/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 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Called ID of Robo and Potential Spam calls are received several times daily. 
Other calls that I can see in caller ID : XXXX XXXX, XXXX XXXX XXXX Qickenloans, XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX Also receive calls from XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
can not qualify for loan because information on my credit report is not accurate. The delinquencies have all been cleared up but my reports do not reflect any of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX , XXXX contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
AXCSSFN has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: AZ

Complaint narrative:
This is the second written request asking the companies ( XXXX, Equifax, & XXXX ) to  provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: AZ

Complaint narrative:
This is the second written request asking the companies ( XXXX, XXXX, & Experian ) to provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/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 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
Dear Receivable Mgmt Group After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have sent dispute letters to Experian Inc. asking to investigate some accounts on my credit file. I also asked to provide me with a copy of the original contract or any pertinent information of such accounts as stated under " Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Experian Inc. failed to provide me with any information related to the disputed accounts and offered a limited response saying that the accounts had been verified. I would like to have more information on these accounts as far as ; original contract, my signature on it, how they verified the accounts, etc.

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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I switched cable companies end of XX/XX/XXXX due to XXXX not being able to accommodate my situation and provide a better package deal. I explained that my husband had recently lost his job and I needed to find a lesser package deal. I had XXXX ( showing as XXXX XXXX ) for 5 or 6 years and never missed a payment! I would have received a bill in XX/XX/XXXX and they sent me to collections in XX/XX/XXXX. How? That is unfair. I did not receive proper notice that I was being sent to collections! They didnt even give me ample time to pay the bill! They were unfair due to me switching companies. I feel that was their agenda. Its abusive to affect my credit without properly notifying me and allowing ample time for me to pay the debt. I contacted the collection company, Waypoint, and made 2 payments. Then, they hit my credit! This all happened within a matter of a couple months!! I switched service end of XX/XX/XXXX, how am I in collections in XX/XX/XXXX? I contacted the company and the collection company and kindly asked them to remove the credit hit and I would gladly pay the {$90.00}. They refused. I hear horror stories about these cable companies, however, I was always a great paying customer for years! They sure wont do anything to keep your business, but if you decide to leave for better deals, this is how they will get you! Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: AL

Complaint narrative:
I have been attempting to get my payments to a manageable amount for loan sequence three. I have been reaching out to servicer AES who said they have contacted XXXX but have not heard anything back. This has been going on since XX/XX/2017. XXXX has acknowledged they have received the request in a previous complaint but have yet to respond. In the meantime my credit is being hurt due to them not responding. I am attempting to pay the debt I just can not afford the current payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX JH Portfolio Debt received a certified letter disputing a debt for {$380.00} and asking for validation by signed contract. No response was received from JH Portfolio Debt.  Another certified letter was sent and signed for on XX/XX/XXXX asking the unverified debt to be removed from my credit file since they have not complied with both federal and state reporting laws. This unlawful reporting of a debt by JH Portfolio is damaging and harming my credit report. I will continue to file complaints and pursue legal action against JH Portfolio if they continue to breach FCRA/FDCPA laws.

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 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to have two collections removed from credit report. One is XXXX XXXX ] and XXXX XXXX XXXX. 
Transunion ID # for dispute. [ XXXX The estimated date to resolve this issue was XX/XX/XXXX. 
These collections were removed and then put back on credit report. I would like to purchase a home and would like to have these removed from credit report. Having these listed on credit report is affecting my score for no reason.

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