vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Got until Tuesday to get out but I Need more time like 30 days and I also would try to keep the house

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 2018-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018, I received an alert from XXXX  that a credit inquiry was listed on my credit report from XXXX, XXXX. I have never ever even spoken to anyone at this company or about their product. I called the company to file a complaint that same day and explained to them that I did not authorize any credit report being pulled nor have I spoken to anyone at this company before. The customer service rep took down my name, email address and phone number and said she was going to forward my information on to get this investigated and would advise of the outcome. 

Then on XX/XX/2018, a XXXX sales rep knocked at my door to try and sell me services. I explained to him that I thought it was ironic that I had just received a hard credit inquiry on my credit report. He stated that he wasn't sure why that would happen because he didn't have my social security number but they can pull a soft credit inquiry to offer services when they are out in neighborhoods. He said it could have been a soft hit but nothing more. I explained to him that I had never had a conversation with him or anyone at this company about providing services and they did not have my authorization to pull anything on my credit file. I told him that I filed the complain with XXXX and that I wasn't interested in anything he had to sale. I am under a 3-year contract with XXXX and therefore I would not have any need for anything they have to offer nor was I interested especially if they violate consumer protection laws. He apologized and said he didn't think it would be a hard inquiry because he didn't have my information. He could only use my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Hello, This collection was a result of a visit to an XXXX for my first child. I never even got to see the doctor and was in his office for less than 15 minutes. 
Back in XX/XX/2015, I went to a XXXX check up and he was not in the office. The nurses wanted to perform XXXX but I declined and left the office. After this I received a bill of about {$570.00}. I called my insurance company and mentioned that it was very unfair for the doctor to charge this. 
Then I got the bill myself. The bill was sent to collection which I paid. Unfortunately the collection company reported me. Can you please assess this case and reconsider this negative hit. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: MN

Complaint narrative:
I sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.

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 2018-08-12 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/2018 I mailed 2 certified letters to XXXX XXXX XXXX XXXX XXXX to have them validate 2 different collection accounts that they are reporting on my credit bureau report. One is in the amount of {$2900.00}, and the other one is in the amount of {$2600.00} In my certified letters I included copies of the area on my credit report where it shows all the information for them to validate the debts. The response I received back from them was they were unable to locate and validate the debts. Because they are unable to locate and validate by law they are supposed to remove the debts from my credit report, and as of today they are both still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Sir, There are several Citi Bank Credits information is being updated in my credit, which have been closed months ago. When Credit cards have been closed with XXXX  Balance, why did citi bank kept on reporting every month about closed account with XXXX balance. It has been communicated to Citi Bank that, there should not be any more activities in my account as credit card is closed and also there is no CITI Bank Credit card open on my name, social, address and any of my identification details. In XXXX XXXX Credit report, I have observed that Citi Bank Kept on updating XXXX XXXX report about closed accounts, which does not any account activity and also no statements generated. Could you kindly direct XXXX XXXX to check my closed Individual Credit Cards and why they have been reporting every months, which have been closed and no account activity at all. Whats the point in closing individual Citi bank credit cards when Citi Bank abusing and manipulating closed credit cards and kept on reporting every month.As per the Federal Law and Closed Credit Card terms and conditions, there should not be any activity on closed card once its paid and closed with XXXX balance. Citi Bank Holds the complete legal accountability and responsibility at Concerned Honorable Courts and XXXX XXXX Credit Bureau for abusing closed credit cards with XXXX balance.

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 2018-08-12 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: MN

Complaint narrative:
I sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.

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 2018-08-12 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: MN

Complaint narrative:
I sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We are not sure why we are being charged Finance Charges of {$20.00} by Kohl 's Credit card ( operated by Capital One, N.A. ) We returned defective orders # XXXX, XXXX, XXXX. Total credit for the defective gift card return was to be {$1000.00}. 

XX/XX/XXXX XXXX # XXXX {$300.00} XX/XX/XXXX XXXX  # XXXX {$300.00} XX/XX/XXXX XXXX  # XXXX {$400.00} The defective gift cards were returned via XXXX Tracking XXXX XXXX XXXX on Friday XX/XX/XXXX XXXX XXXX   and signed for by XXXX XXXX, XXXX Tracking XXXX XXXX XXXX on Monday XX/XX/XXXX XXXX XXXX and signed for XXXX XXXX XXXX & XXXX Tracking XXXX XXXX XXXX on Tuesday XX/XX/XXXX XXXX XXXX and signed for by XXXX. XXXX. 

We were instructed by Kohls.com customer service several times to mail back the items and the damaged packaging. 

We have notified Kohls ' and Capital One, N.A. numerous times about the disputes as required. We have called and mailed letters to Kohl's/Capital One, N.A., XXXX XXXX  XXXX, XXXX, WI XXXX. We have heard nothing from Kohl's/Capital One, N.A as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Debit of phone bill was made via autopay for my small business. I closed my business and called XXXX XXXX XXXX to terminate my account. I called multiple numbers and spoke to multiple people telling them I wanted to close my account. XXXX XXXX XXXX kept billing me for several months after so I called my bank an revoked authorization. They continued to bill me and then sent me to collections. They collection agency continues to pursue this debt and I continue to dispute it multiple times. It has been close to 3 years now. The recently reported it for a 3rd or 4th time on my credit report. I am sick of having my credit report dinged every three months and then having to dispute it. Finally, I just paid the amount owed so they would go away and they filed against my credit report again after I paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 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: LEXISNEXIS
State: FL

Complaint narrative:
Renewal for my home insurance ( XXXX policy # XXXX ) ( wind, fire, homeowners ) is due and the premium went from {$6800.00} to {$9300.00} based on information from LexisNexis Consumer Service Center. 
They state that 1- % if depart store accts reported inlast 24 mo to total # accts 2- % open retail accts to total open accts 3-insufficient information on personal finance accts 4- # of  accounts that have been established I called the XXXX # provided ( XXXX ) for LexisNexis and only an automated robot was available which would not accept the reference # I was given ( XXXX ) but instead was asking for full name, DOB, SS XXXX. 

I have no outstanding balances on ANY credit card. I only use VISA and MASTRCARD which I pay in full each month. I pay monthly the mirtgage, phone, gas, electric, and car insurance. I hace a XXXX card  which is paid in full and an inactive XXXX and XXXX also paid in full. 

This raise in premium based on Lexis Nexis is completely inappropriate. I suspect it has to do with a claim last year due to Hurricane Irma which was actually not covered by them but by the flood insurance!! It is simply outrageous! 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Sir, I have been observing in my Trans Union report that XXXX XXXX/XXXX reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX  balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.

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 2018-08-12 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: DISCOVER BANK
State: DC

Complaint narrative:
I have repeatedly provided Discover Card with proof that this account was opened without my knowledge or consent, but they insist on forwarding me copies of statements that I never received. 

And now I know why! 

These statements weren't sent via U.S. Mail ; they were sent electronically. 

I am asking you to request that Discover provide me with the method of delivery for the volumes of statements that they print and send to me everytime I ask for proof that this account was opened by me ( like a signed contract ). Note : they have yet to provide a signed contract ; all other " proof '' they provide actually works against them and further proves my point that the account was opened illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have no knowledge of this debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChekSystem did a temporary quick fixed on about end of XXXX XXXX then I can open an account on XX/XX/XXXX and now after I tried to open an open in XX/XX/XXXX but bank decline to open an account and referred me to ChekSystem again. So far since XX/XX/XXXX up to date I have never have any activity with loan or any credit card with any finance institution. I need ChekSystem to fix the problem not just only did it for temporary only

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 2018-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I used my Capital One card to secure a car rental. I rented the car for a few weeks. At the end of every week I was charged a rental fee for extending the contract. However when the rental car was returned the rental car company XXXX charged me for the full amount of the month rental although I was making weekly payments. I provided Captial One with the signed agreements they returned the fees and then recharged me thus my card that has a {$1000.00} limit currently has a balance of {$2100.00}. This has ruined my credit score. I have never been over the limit and or not paid my bill. Capital One refuses to adjust my account. I am not clear why the XXXX they would even allow a charge that is more sufficient than the limit to be authorized. I want this matter clear and my account adjusted properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have contacted XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/2018 at XXXX and signed for by XXXX ; XXXX XXXX XXXX XXXX on Wednesday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Thursday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Friday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Wednesday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX. 

Unauthorized lates fees per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$27.00} ; 2 ) XX/XX/2018 - {$37.00}. 
Unauthorized Finance Charges per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$70.00} ; 2 ) XX/XX/2018 - {$72.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
No knowledge of debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: TX

Complaint narrative:
As per Credit Karma, I got this hard inquiries that I dont allowed and recognized. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 

XXXX XXXX Inquiry from XXXX XXXX, 2018 Miscellaneous Reptg. 

XXXX XXXX XXXX is conducting fraudulent businesses pushing consumers to high rates and placing unsoliciting insurance just like XXXX XXXX case. I been contacted this company several times and tried to negotiate and allowed them to do the right thing without luck, illegally they towed my vehicle, later released and asked for apology. I have record of all incidents. All these been causing hardship to me and my family, afecting my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We are trying to refinance our mortgage but Ditech has not been providing the information we are requesting them. We are asking them to provide a mortgage rating for our First and Second loan with them. Our Broker, XXXX XXXX, requested a verification of mortgage on XX/XX/2018. He called the following day and was told that they will provide it to them. They fax the balance of our mortgage to him but did not include the mortgage rating he was requesting, he was told that it will be provided in six business days from XX/XX/2018 but they kept sending the same information. We called, last Monday, XX/XX/2018 and was told that it will be mailed directly to us within 3 business days but never received anything. It appears that they our sabotaging our wish to refinance and seek your help to direct them to do their job and provide a mortgage rating for the past 12 months for our first and second loan with them so we can close our refinance transaction. We don't understand why they are doing this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: AR

Complaint narrative:
I disputed the collection originally because I had payed the debt approximately 5 years prior to the XX/XX/XXXX posting on my credit report. I sent a formal complaint through the credit bureau and called allied to dispute and validate the debt of {$260.00} around XX/XX/XXXX. I never received any letter of validation. It was removed from my credit report around XX/XX/XXXX. Now they Put it back on my report as of XX/XX/XXXX. 

Gentle breeze payday loans Allied collection service

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 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I was having garnishment taken out of my check, had to pay off balance of {$1000.00} at Closing of buying our house on XXXX. 

Resurgent Capital Services Acct # -- -- -- -- -- -- XXXX Original Creditor XXXX XXXX XXXX  Current Owner XXXX XXXX XXXX  Current Servicer Resurgent Capital Ref ID XXXX Judgement case # XXXX I am STILL having garnishments taken out of my check! Myself and Kroger Payroll, XXXX XXXX have made MANY attempts to get a Release of Judgement sent to XXXX Payroll to Stop this garnishment! 
XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX has given us the runaround and now we are being told she no longer works there and we cant receive help from Anyone! We've been attempting to resolve this for 2.5 months and at our wits end as XXXX can not Stop garnishment until she is given Release of Judgement and Then I will need to be reimbursed {$230.00} as of XX/XX/18 This debt was Paid to purchase our House and Case closed XX/XX/18.

Company response to consumer: Closed with explanation