vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have no idea who DCI is since they have NEVER attempted to collect on this debt by, mail, email, or phone call. They have sent a collection to the credit bureaus without allowing me to properly validate the alleged debt. Also XXXX has sold this alleged debt 3 times because they have been unable to properly validate this debt belongs to be ... it 's been almost a year and they still keep trying to get me to pay on a bill that does n't belong to me. I have NEVER entered into contract with DCI or XXXX, and they both or supplying false information on me. This debt that does not belong to me is causing hardship in my life right now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am not exactly sure how to categorize this issue. It is in regards to the theft of my ATM card and the misuse by the thief and the bank refusing to acknowledge that I was the victim of a crime.
On XXXX XXXX 2017 my Chase bank ATM card was stolen from me while I was at the XXXX XXXX XXXX pool with my grandkids and it used at a local grocery store. Because the card was stolen from me close to my home the card was used at the grocery store I normally shop in. I discovered the card stolen within 15 minutes of it 's use and immediately called Chase and reported it stolen and the card was closed and a new one sent out.
I also called the police and filed a police report. The police report number XXXX. I am unable to get a copy of the actual report because it costs {$30.00} to request a copy and it takes about 3 months to receive it.
The thief used to card to spend {$210.00}. The bank gave me a credit for that amount while they investigated the claim.
A few days ago I received a letter stating that they felt the charge was valid and was reversing the credit. When I called and talked to them they said because a PIN number was used. It was not used by me and there is no way the thief would have it.
After many calls and many tears on my part I finally spoke with a claims escalation specialist named XXXX ( not sure of the spelling ) who found that a PIN number was not used and she would resubmit the claim with that information.
I just got another letter from Chase stating they are still denying the claim. I am desperate. I can not afford the {$210.00} and I did n't do anything wrong. I called the police and have a police report number and did everything I was instructed to do.
I am XXXX on my entire income is only {$920.00} from Social Security and this creates a huge hardship for me. I had to borrow money in order to keep my account open and to keep from incurring overdraft fees and penalties. I have been treated very badly by nearly everyone I have contacted at Chase. I was the victim of a crime and I feel like Chase is treating me like I am the criminal. I do n't know where to turn or what I can do. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I wanted to apply for a childrens place credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had XXXX hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: MD

Complaint narrative:
Attempts were made to pay off the amount owed to this company once I had to close the checking account that this payments were being withdrawn from without success over a year ago. I moved from about 1.5 years from that time, but had my mail forwarded to my new address at that time. XXXX XXXX apparently sold this account to Allied Collection Service ( ACS ) ( XXXX ) who has been calling and hanging up on me for the past few weeks. I called back on XXXX/XXXX/XXXX to see what this was in referenced to and discovered that it is the same collection account that I disputed from my credit report about a month ago without a response. The reason for the dispute was due to seeing duplicates of the same account and not having anything in writing from ACS.

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 2017-08-15 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 was trying to make a financial purchase only to be told that there were several collections from XXXX XXXX reporting on my credit file. I disputed the accounts directly with all three reporting agencies and XXXX and XXXX did investigate and they deleted the false accounts. Equifax however has not. There is no possible way that Equifax did a proper validation because I personally called XXXX XXXX and they confirmed that the accounts were not mine by using my social security number. The issue is on Equifax. They did not contact them and use my social security number or any other identifying information other than my name which is a common name. I had to apply for a new auto loan and the interest rate is high because they believe I am a high risk due to misreporting by Equifax. I have been trying to get this resolved for over a year. This is unacceptable and I want this XXXX resolved and removed NOW. I should not have to pay high cost interest rates because someone is NOT doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX charged my credit card twice in one month. I submitted proof of this to Capital One. On or around XX/XX/2017 acceptance now charged my card twice for a monthly payment on a credit account. I contacted Capital One and told them of the issue. Today, Captial one informed me that they were allowing the transaction to be rebilled to my account. The payment amount is {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I received a letter in the mail threatening to sue me, it was titled as a pre-legal notification. In the body of the letter they threatened to turn my account over to a lawer in my state, they are an out of state collector for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened a Wells Fargo Everyday Checking account under a {$250.00} bonus promotion. I received confirmation of the bonus in the form of an email when I applied for the account, which I could provide a copy of as proof. The terms of the bonus stated that I would receive the bonus by performing the following action : " Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. '' " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I opened the account on XX/XX/XXXX. I completed the 10th debit card transaction on XX/XX/XXXX. I have not received the bonus

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 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover, Discover Card, Discover credit, Discover Credit card, Discover personal loans, Discover home loans has along history of preying on people. And now it seems that the are preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud!
The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the XXXX XXXX of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. In Michigan state court there are over 6 cases against Discover and in XXXX county courts over 20!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.

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 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: MI

Complaint narrative:
This account was placed on my credit profile by ENHANCED RECOVERY without my consent wich is in violation of FDCPA and FCRA rules and Reulations, this account was purchsed for profit and is Unverified and or Inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
XX/XX/XXXX Account Number XXXX This is the fourth or fifth time complaining about my mortgage company, Roundpoint. I am currently attempting to secure a successful short sale of my property and this is the second time that i have secured buyers threaten to walk away because Roundpoint is dragging their feet with timely processing. My attorney and listing agent has worked tirelessly to get this short sale completed. Roundpoint continuously allows time to transpire letting timely delivered correspondence to expire and my having to submit documents over and over again. I attempted a short sale in XX/XX/XXXX that fell through because of this same issue. I then attempted a loss mitigation that was forever attempting to get completed and was only done after i submitted a complaint and then it was more than my original mortgage payment. Now again attempting short sale because of illness and loss of work that started on XX/XX/XXXX. As of XX/XX/XXXX the 90 day contingency has expired and the buyers are  now threatening to pull out of the deal because of the lack of confidence of ROUNDPOINT internal processing!! This is unacceptable. One because my case is not escalated it is still being handled by a POC that does n't respond in a timely fashion and two because this will be the SECOND time losing a sale on my home. WHAT THE XXXX is going on over there!!

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 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recently applied for a XXXX XXXX XXXX/XXXX credit card and was approved. The card issuer is Commenity Capital Bank. On the XXXX XXXX website, and on the Commenity website where you can apply for a card, it was advertised that if you spend a certain amount either online or in a store, you will receive 0 % interest for a number of months depending on your purchase amount. I made a purchase online on X/XX/2017 in the amount of {$620.00}, which qualified me for 12 months 0 % financing if the balance is paid off within the time limit. On the XXXX XXXX website during the check out process, there was only the option to enter a credit card, and no way of being able to specify if you wanted to take advantage of a promotion. At this time, I assumed the promotion would take effect automatically, and followed the check out process as it was presented to me. Here I will note that when I received the credit card in the mail, the letter on which the card was attached also advertised this promotion if you made a purchase online or in store ( and a number of other stores that are owned by the same Corporation as XXXX XXXX ). I recently received my second statement from Commenity Capital Bank ( the card issuer ), and realized that I have been charge interest in the amount of {$12.00}. I called them on X/XX/2017 and was told that the store should have indicated that I wanted to use one of the promotions. I explained that I had made the purchase online and there was no option on the check out process to select a promotion. The person I spoke to said that there was. I checked at that time, and there is not an option. After several conversations, I was told the only resolution I have to file an official dispute with the credit card company to try and recoup my money and to be transferred to a promotional program. I am still working with the company to get this resolved. My complaint is in the advertising that Commenity Bank and XXXX XXXX use on their website and various other platforms that states you may participate in a promotional APR when you make a purchase ONLINE and in store. It became clear that they had no way of honoring a promotional balance if you make a purchase online, and automatically charge you interest. I do not know yet whether or not they will refund my interest charges and transfer me to a promotional program, I have to wait up to 60 days and continue to pay interest until they make a decision. My issue is with advertising and not honoring a promotion. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have inquiries I do not recognize by these companies on the dates as follows : XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, 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 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX, I disputed a incorrect charge on my UNIVERSAL/CITI credit card with ASAP rental. Unvl/Citi opened an investigation, in which they did refunded {$250.00} during the course of this investigation to my credit card. ASAP disputed my dispute and Unvl/Citi placed this amount back on my card resulting in my card at that point being over the credit limit and reported it to the credit bureaus, XX/XX/XXXX. At which point Unvl/ Citi alerted me to provide additional proof of my dispute after said amount was reported to the credit bureaus. I immediately provided CITI with legitimate proof that ASAP rental was indeed paid by XXXX and their claim was invalid. CITI again placed the {$250.00} back in my account and a manager told me they would have their internal department which handles credit reporting correct the error of the Over the credit limit reported. This was never done. They were contacted twice. XX/XX/XXXX I received a email from Unvl/ City regarding ASAP dispute still in investigation.
I was told XX/XX/XXXX this matter was closed. This matter has been in dispute since XX/XX/XXXX. I spoke with a representative that told me that they do not have a end date for  investigations and could not give me one and this matter was still open. I was also told that no request was made on my behalf to the credit bureaus to remove the negative reporting which lowered my credit scores on all 3 bureaus. XXXX XXXX points, XXXX  XXXX points and XXXX XXXX points XX/XX/XXXX. I was in addition told that if I wanted anything corrected on my credit report I had to send a additional Letter making the request to have corrected and that the supervisor who told me they would take care of it several months ago did not. This error has largely been to my detriment in any loans I try to apply for and credit card approvals.

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 2017-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: FL

Complaint narrative:
My credit report reflects a collection account owned by Jefferson Capital System, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I wanted to apply for a XXXX XXXX credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had 2 hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief