vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Paid them more that the original amount owed. 
About a year ago XXXX of 2018 i received a phone call from XXXX with XXXX XXXX stating that that I had an account in collections and in order for them to close the account i needed to make a payment. She further went on saying that I needed to pay more than the original amount, due to the interest accumulated, past due charges accumulated and a fee for having my file in there office. I knew about the account she was talking about and i went a ahead and paid them {$450.00} when the original amount was {$360.00}. They were supposed to send me a letter by mail stating that the account had been taken care of, which i never received. I call back to request one and they did send me one. The letter did not have the original creditor 's name, original account number or a signature. I did noticed that the paragraph on the letter had a different creditor name who was not the original creditor. I have had more calls from the original creditor stating that my account is still open, meaning that XXXX XXXX never sent the payoff letter to the Creditor. The original credit then passed accounts to someone else and my account is still open. I have called XXXX and I have also talked to XXXX XXXX asking her to please refund my money back and they keep telling me that they will send a letter. I told them about what i hand noticed on the first letter and out of no where they went back and changed it up. I have been dealing with them for the past year and I can not get this fixed. They were supposed to get back to me and i have no hear back from them. I have tried calling them back and they have blocked my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent out dispute of information reporting to bureau, came back VERIFIED, sent request for method of verification as my right in accordance with FRCA, no response was given to my request within reasonable time frame ( 15 ) days to ( 30 ) days. Instead an automatic XXXX XXXXXXXX response was sent 3 times stating that it had been verified disregarding my request for what method was used to verify this account. That is clearly in violation of my consumer rights even disregarding a solution or anything to the previous complaint I submitted to CBRP. I am demanding that this account be REMOVED PROMPTLY, as they were in CLEAR violation of my rights according to FCRA 611 ( 6 ) ( b ) ( iii ) I have  attached supporting documentation. 
Accounts Court # XXXX Court # 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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I sent CCI a letter asking for debt validation 2 months ago and did not receive a response. I then sent an additional letter asking for debt validation and I received a notice back just stating what I owe and a breakdown of a bill. I did not receive a letter or statement with my signature on it creating the debt even though that is what I requested. Two weeks later I received a letter stating that they do not handle the XXXX XXXX account anymore and that I need to reach out to XXXX XXXX! Even though they are reporting on my credit that I owe a debt to them! I sent a letter politely asking for them to remove their remarks with all 3 credit bureaus since I no longer owe them a debt and because they cane verify that I owe them a debt. I have not heard back from them regarding this matter and according to the Fair Credit Reporting Act I am well within my legal rights to request validation and if it can not be provided to me than they must stop reporting this debt the the credit bureaus. This collection agency is preventing me and my family from buying a home and living a comfortable life which I do not see is fair!

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 2019-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: OH

Complaint narrative:
Today, XX/XX/2019, my payment was taken out of my account twice. So instead of taking {$220.00}, they have taken {$440.00}. I have called the company at least eight times. Twice, holding for longer than 20 minutes and never speaking to anyone, the rest of the time receiving a message saying user not available. I have also emailed the company twice today asking for a call or for them to fix the double post. Their double pull has caused my bank account to go negative and they have taken my money that was meant to pay my other bills, so those will be late as well. It seems as though they are avoiding issues as all of my contact has been made within their business hours. I will now be getting late fees for my other bills and overdraft fees from my bank. I read today that the FTC has sued them previously due to customer payment issues and I think there should be a way that customers can get out of this loan without penalty and move it to a bank or credit union and this lender should be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I was told i owe XXXX over medical bills that are not my responsibility at all. they claim i did it when i was underage around 16 years old now im XXXX trying to buy my first car and this is affecting my credit horribly how can they confuse this with me when i wasnt even legal ( 18 ) or know what its for. ni have two medical bills that i was never involved or responsible for the only thing that should be there is my XXXX XXXX and XXXX XXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ Data is attempting to collect a debt not owed. It is illegal to sale and purchase fictitious debts for profit. The company that they are attempting to collect a debt from is XXXX XXXX XXXX whom I have experienced multiple accounting errors with prior to being released from my rental agreement which I have proof of. I paid a {$1500.00} deposit which I was told I would forfeit. However the leasing consultant XXXX XXXX gave false account on my move out summary and did not apply my deposit. I contacted XXXX XXXX XXXX  to discuss the matter and to my surprise I was blocked from communicating with them. How can you can one make claims that a consumer owes a debt but refuses to discuss the matter with the consumer? The reason why I was blocked from contacting corporate is because the account statement turned over to IQ Data was both fraudulent and fictitious. In addition, as I mentioned previously I was released from my lease agreement with XXXX XXXX XXXX and after signing a release form which I never received the countersigned form back from XXXX XXXX who is head of the legal department with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
When shopping for a refinance mortgage, I was offered a good interest rate ( 3.125 % on a 5/1 ARM ) and a {$9500.00} lender credit from LoanDepot. While other lenders suggested that the offer was too good to be true and they could not match it, LoanDepot assured me that the offer was valid, and included those terms in a written Loan Estimate dated XX/XX/2019. On the basis of their representations, I paid {$590.00} for an appraisal and {$19.00} for a credit report. 

Subsequently, LoanDepot dragged its feet in finalizing the loan, making repeated excuses for lengthy delays. When the loan was finally approved, LoanDepot sent a revised Loan Estimate on  XX/XX/2019 showing that the lender credit had decreased by over {$9000.00}, to {$390.00}. When questioned about the discrepancy ( which LoanDepot had failed to proactively tell me about ), LoanDepot informed me that the lender credit had disappeared because I was being charged over {$9000.00} for rate lock extensions. But LoanDepot had not previously asked if I wanted to extend the rate lock, had not informed me that rate lock extensions were required, and had not informed me of any fees associated with rate lock extensions. Moreover, interest rates have fallen since we initially locked the rate, making a rate lock extension unnecessary and counter-productive. When I made these points to Loan Depot, they offered excuses, but did not address my concerns. 

I believe that I have been the victim of a bait-and-switch, in which I was offered unrealistically good terms in order to ensure that I would file a mortgage application with LoanDepot instead of a competitor, but at the end of the process, after I had invested substantial time and resources, LoanDepot switched the loan terms to be unfavorable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2019 I made a transfer on PayPal to a seller I was buying a tv from the amount was XXXX   US Dollars. The seller is in the XXXX XXXX, we had been in contact for about a month about a tv, when we agreed on a price he said he only takes PayPal so I made an account on the same day before sending the money, He told me sending it as Friends and family is a faster, safer and costs less than a business transaction, being new to PayPal I had no idea that if I did not pick it as a business transaction I would have no buyer protection. After the money was sent he blocked me on all contact medias I could use to communicate with him. I asked PayPal if I could open a dispute or refund but they said the only thing they can do is contact the seller which I have gkt no feedback since then. I tried contacting my bank to revert it but they said the transaction has already occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I called Capitol One to find out about their international incoming wire procedures and fees. I was told that they ( Capital One ) does the foreign exchange and can charge up to a {$14.00} fee for the service. I had over $ 648k AUD in XXXX to move to USD. I called my other bank as well to figure out the best plan as I had a choice to send it in AUD or USD. If I sent in USD, there would be an intermediary bank doing the fx which is normally lower rate plus their fee. Based on the information given by Capital One, I wired it to them in AUD. 

When my wire came in, it was much lower in fx than expected. I called Capital One again to be given wrong information and was told it was sent USD. Capital One told me that they would not accept foreign wire in on my account and I was given instructions based on another type of account and they would have rejected it. I called XXXX who confirmed it was sent AUD as I instructed. 

After numerous calls to Capital One they finally told me that they instructed the intermediary bank to do the FX, which is again a lower exchange and higher fee. I would have never used Capital One had they have given me correct information. I lost anywhere between $ 5- $ 12k on the exchange. 

Capital One said they listened to one of my phone calls and confirmed that the agent gave me information on their retail account and not based on my type of account ( 360 ). Ive sent numerous emails and have called and they stopped returning my calls or emails. Capital One had no authority to instruct the intermediary bank to do the foreign exchange and should have rejected the wire. Or they should have given me the correct information so that could have sent it to my other bank who would do the exchange themselves or I would have done the fx in XXXX via XXXX. 

They have not accepted any responsibility for their error and bad information which cost me a significant amount of money which also delayed closing on my house purchase because I was short $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently working on buying a home and Equifax is unable to produce a credit report for me. This is very frustrating because I have called them numerous times and attempted to fix this. Equifax claims they can not find a credit report for me, even though I have provided copies of my personal information. This is holding up my real estate transaction and is costing me a lot of money. The mortgage lender was able to pull my credit reports through XXXX  and XXXX. I have accounts through major banks like XXXX XXXX, XXXX XXXX  and XXXX. They report to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
To be clear, I currently have my loan paid in full. I had to take out another loan to pay the student loan off once it was sent to Navient. Navient placed up to 82 % of my payments toward interest instead of principal. It appears they utilized my inability to pay more on my loan at the time to increase the duration of the loan and, therefore, increase their profit toward interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
i have a checking account with hancock whitney bank which i have over draft protection 0ver the weekend of XXXX XXXX and XXXX i used my debit card which when you shop and use debit the money comes out account automatic.i used debit for each purchase. when the XXXX came they ran a check i had wrote however instead of the debit through for the three small debits which should have came out automatic they ran check first so that they can charge three different times instead of the one time for the check. this is not the first time they have don this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I recently made payment arrangements with Bridgecrest. I have a {$370.00} payment scheduled on XX/XX/XXXX and XX/XX/XXXX. The payments are scheduled to be automatically drafted on these dates. I spoke with a representative during the week of XX/XX/XXXX and they have no record or documentation of the call. However, the payments are still showing in their system. The car was repossessed on XX/XX/XXXX, exactly one day before the payment was scheduled to be withdrawn. I then called and spoke with representatives and they advised that I never spoke with anyone. But they do see my payments in the system. Why would they allow for the arrangements and the drafts if they had no intention of allowing me to prevent the car from being taken? Now, they want me to pay the total amount due in order to release the vehicle, even though I had already scheduled the payments.I made these arrangements in good faith, yet they still took the car. I had explained that I had been unemployed for approximately XXXX XXXX months, and I was trying to get the account caught up, since I have returned to work, but speaking with this company and making arrangements did not prevent further actions. I am now without transportation and unable to reason with anyone. They just provide the same scripted information about policy, but offer no attempt to resolve the error reasonably. I want to continue with my payments and be allowed to keep my car.

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 2019-06-21 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:
Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX XXXX XXXX {$51.00} 7 ) XXXX XXXX {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX {$550.00} 10 ) XXXX XXXX XXXX   {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX   {$5000.00}

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 2019-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I had gotten a loan to get beds from a store. Was told and set dates for payments the XXXX of each month. Suddenly was charged and got a bounced charge from bank. On the phone with their collections was told some XXXX dollar payment was put through and would be again today. I stated this is not authorized and I was told 1 month not 2 week on payments now leaving me XXXX in the bank currently. XXXX will not work with me and pushing for a payment now even tho that's not what I agreed upon

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2014 - Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I sent Convergent a Debt Validation letter requesting that they send me a contract with my signature on it as proof that the debt is mines. I also requested that they send me validation of the money that they are saying I owe, explain and show me how the balance was calculated, provide me with copies that show I agreed to do business with them, a verification or copy of any judgment applicable, identify the original creditor, show me that they are license to collect in my state and provide me with license numbers and Registered Agent or Agent of Services. The only thing that I received in response was a letter stating that the investigation was complete and the debt was valid. They attached a bill that only showed the amount due but they did not attach a signed document stating that this debt belonged to me. I have no knowledge of ever having a XXXX XXXX account and therefore this debt does not belong to me. On XX/XX/2019 I sent a 2nd Debt Validation request to Convergent Outsourcing, Inc askign for the same documents that I asked for before. They sent me a letter dated for XX/XX/2019 stating that they are not currently handling the account anymore and that they will submit a request to the credit reporting agencies to delete the collection. As of XX/XX/2019 the collection is still listed on all 3 of the credit reporting agencies stating that I still owe this debt.

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 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I was contacted by Evergreen Professional Recoveries two days in a row while I was at work. The first call was on Wednesday XX/XX/XXXX and the second phone call was on XX/XX/XXXX. On the XXXX they call my work phone which was not given to them and left a message with one of my co-workers.

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