vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
For the past year or so a debt collection agency has been reporting an alleged collection account on my credit report. I repeatedly asked them for documentation of this alleged account and they have yet to provide me with any documentation. I also have repeatedly asked them to stop calling me and they also refuse to do that. My last communication to them a few weeks ago I again asked them for documentation of this alleged account and the respone that I received on XX/XX/2019 stated " We have already responded to a previous dispute substantially the same as your present dispute and because my dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute ''. They have also stated if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved we will consider your inquiry answered. FRCAl laws state that a company must provide me with documentation when requested of any alleged debt. It also states that to collect on that debt they must provide with a written agreement made with their company that includes my signature agreeing to pay this alleged debt. This company is trying to collect on an alleged debt they claim is owed to another company and refusing to provide me documentation of the alleged debt to that company or and a agreement that I made with their company to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a joint account owner on my XXXX father 's checking account at Regions Bank. My father is in an XXXX  XXXX facility, so he does not have credit cards or a wallet and at some point in the past year a new checkcard arrived for our joint account. The card was in his name. I put the card away in a wallet with my own credit cards and never used it. 

On XX/XX/2019, my wallet was lost/stolen. Someone gained possession of my wallet and began attempting to make purchases of about {$2000.00} at a local XXXX pharmacy. They tried using two of my credit cards, but my credit card companies flagged the activity as suspicious and declined the charges. The person who had my wallet did manage to successfully use my father 's checkcard to make two purchases at XXXX. 

The purchases, which were made on XX/XX/XXXX and posted on XX/XX/XXXX were one for {$1000.00} and one for {$830.00}. 

I alerted Regions Bank to both purchases immediately, the afternoon of XX/XX/XXXX, as soon as I discovered it. I asked them to close my father 's checkcard, which they did. They asked me to wait until the transactions posted to formally dispute them. 

On XX/XX/XXXX, the transactions showed up as posted on our account so we called to formally dispute the charges. We explained that I had possession of the card, but that my wallet was stolen and that my father had not authorized anyone to make purchases with his card. Furthermore, the Regions representative confirmed that the last time the card was ever used for a withdrawal was almost a year ago. This card also is never used to make purchases and very rarely is used to make withdrawals, so although we do not know what triggers a fraud alert, it would seem that these large purchases should have been identified as suspicious activity by Regions. 

On XX/XX/XXXX, we received a letter denying our dispute. The reason given was that the transactions passed " fraud analysis. '' Again, this is confusing, since a pin was clearly not used in making this purchase and certainly my father did not sign for whatever was purchased. 

We have appealed the decision and provided additional information, including a police case number and a report of identity theft we made with the FTC. Our recent communications with Regions, however, indicate that they are not inclined to reverse their decision, despite the fact that we have now told them we made these reports to the police and the FTC and we also provided them with evidence that I reported the fraudulent activity with my own cards ( although the transactions never went through ) and I have been issued new credit cards as a result. 

I am attaching a fax and documents that we sent to Regions in an attempt to appeal their decision.

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 monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Spoke to Collection and told them the debt is not valid as it has termination fee involve, XXXX also promised to waive termination fee due to a previous resolution from FCRA about some billing issue if i wanted to switch energy company. I was send a bill that XXXX charged me XXXX after i paid a XXXX fee after my XX/XX/XXXX previous disconnection notice, and i am being sent a {$97.00} bill by Convergent

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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Special Agent ... .XXXX  XXXX ..., from XXXX has been calling distant family members not involved with my account what so ever and leaving messages with them to have me contact them at XXXX. None of the other persons contacted have anything to do with this credit account nor are they listed on the card or my account anywhere. There were 5 other phone numbers listed on my file, where communications were made and not only voicemails were left, though also spoke to other members with regards to me, per Special Agent XXXX XXXX ..., in a phone conversation today, XX/XX/2019 at XXXX pacific time. I asked him to remove all other phone numbers on " my file '' with the exception of mine. I explained to him that what he was doing was against the FDC act 805. XXXX stated he does not know how the other phone numbers got in my file, though he was just following through to have someone get the message to me. This is unacceptable. I have 3 different recordings of his voice on various numbers, as his voice is very distinctive, leaving messages with people that were not ME. XXXX stated he would place a notation on my account not to call any number other than the one I provided to him today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following employment data reported on my XXXX XXXX, XXXX and Equifax credit report is inaccurate : XXXX XXXX and XXXX XXXX XXXX XXXX. I have never worked at XXXX or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: AZ

Complaint narrative:
The following employment data reported on my XXXX XXXX, Experian and XXXX  credit report is inaccurate : XXXX XXXX and XXXX XXXX XXXX XXXX. I have never worked at XXXX or XXXX XXXX XXXX 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 2019-04-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
NO MISSED PAYMENTS XXXX  XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX   XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX ACCOUNT # XXXX XXXX  XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX EQUIFAX XXXX Non authorization on XX/XX/XXXX, XXXX CONTACT DETAILS XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: SC

Complaint narrative:
In XXXX I signed up for a Discover credit card account and was unknowingly enrolled in a payment protection plan. Unfortunately, today, XX/XX/XXXX, I finally realized I have been paying for this plan for almost 10 years. I was not, until today, informed of this program, it's supposed benefits or that it would continue to charge me fees over the life of the account. I was not notified after lawsuits were filed and refunds processed. I have moved 6 times since opening the account and unfortunately never received a notice regarding these fees. I have not used this program, nor did I ever intend to. Looking through online statements from XX/XX/XXXX to current day, I have been charged {$1900.00} please see the XXXX sheet attached with amounts and dates. This total does not include anything from prior to XXXX as I do not have access to those statements online. 

I called customer service today immediately after identifying these unsolicited charges to cancel. They advised me they would be able to refund the past six months fees which totals {$73.00}. This is such an insignificant amount compared to what I've paid over almost 10 years of being a loyal XXXX customer and it is entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have been a XXXX XXXX XXXX XXXX student at XXXX University in Virginia since Fall  2018. I received federal student loans to pay all of the tuition and related school expenses. I finished the first semester, but we began hearing rumors that XXXX had defrauded the students and misappropriated all of our funds, including amounts held as as students account credits early into the Spring semester. On XX/XX/XXXX, we received written notification from XXXX that the school was closing immediately. On XX/XX/XXXX, I received notification from the Department of Education that my loans for the Spring term were cancelled. As a result I filed the discharge paperwork through my servicer, Nelnet. Arrangements have been made for most of XXXX students, including me, to transfer to XXXX XXXX XXXX in DC as of XX/XX/XXXX. On XX/XX/XXXX, I was informed by Nelnet that the loans were not cancelled and I was now in repayment status ( grace ) because they have decided that the school is not really closed despite XXXX actually ceasing operation and having a trustee appointed. They will not allow me to speak to their claims department, but they can not explain their decision. This is either a case of complete ineptitude on their part or their compensation model is based on collection activity, thus they are motivated by blatant self interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending
State: AZ

Complaint narrative:
We already sign all of the documents and sent what they asked us for, the CONTRACT where we signed said, that we where already signing for the APROVAL for refinancing the car, the payoff amount and date, how much and when we where going to start paying the new account, XXXX, we sent all the documents needed, including the POWER OF ATTORNEY, and just receive a call from them telling me that they where unable to approve the aplication. They ran our credit a few times and affected us in our credit score by 100 points. ( From openroad )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I want XXXX XXXX, XXXX  and Equifax to add my current employer to my credit report. My current employer is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$200000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: AZ

Complaint narrative:
I want XXXX XXXX, Experian and XXXX to add my current employer to my credit report. My current employer is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$200000.00}

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 non-monetary relief
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX  XXXX, XX/XX/XXXX, {$7500.00}, The XXXX  XXXX XXXX, XX/XX/XXXX, {$360.00}. The following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Galaxy Capital Acquisitions, LLC
State: MN

Complaint narrative:
I payed off this credit card in may of XXXX, and than again in XXXX when they said i owed still a passed due amount so i paid that off and than didnt hear from them again til today when i get a notice from my credit union stating that they froze XXXX from my bank account. which was the first time that i heard from this company since aug. of XXXX. the money that they froze today was my insurance money from a loss of our garage to rebuild a new garage with. so i am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez had taken the amount of {$1800.00} out of personal checking on XX/XX/XXXX. On XX/XX/2019, NewRez was again paid {$1800.00} for XXXX 's mortgage, since NewRez claimed they never received it onXX/XX/XXXX. Bank account shows that in fact NewRez was not only paid onXX/XX/XXXX, but alsoXX/XX/XXXX for the amount of {$1800.00} and XXXX. According to NewRez, our bank had placed a hold and they were not able to receive the payments. Called XX/XX/XXXX, spoke with associate XXXX at XXXX bank, and confirmed that there were NO holds on NewRez with our checking account or for my spouse 's account, which is completely separate from the family checking account. We have paid for 2 months mortgage, XX/XX/XXXX, and XX/XX/XXXX, all of which can be shown by bank statements with absolutely no refunds except from our bank after filing a dispute forXX/XX/XXXX withdrawl that NewRez will not acknowledge. NewRez claims that they had refunded our accounts for both payments in XX/XX/XXXX Bank accounts will show that no refunds were ever made. The only refund that was made was for theXX/XX/XXXX payment and the refund was given by our bank along with a dispute against NewRez/Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
i have been receiving calls from several numbers XXXX XXXX XXXX XXXX Caller ID state " Convergent '' nothing else since the beginning of XXXX, they call about 5 time or more a day from different numbers and leave no message. I spoke with them in the past about this issue about a year ago and they stopped. They stopped because i threaten to file a lawsuit against they because they stated i owe them when i have documentation providing i dont. and now its starting to happen again attached are screenshots of recent harassing calls but not all.

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 2019-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Experian there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. On XX/XX/XXXX, I wrote to Experian advising of this issue with the creditors and have the tracking numbers for it to monitor. # XXXX, they received it on XX/XX/XXXX and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/XXXX and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had XXXX unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
XXXX.XXXX, the XXXX credit card issuer, had charged me twice for the amount of {$10.00} totalling {$20.00} saying that they had not received payment when they HAD : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
1. I have a mortgage with ditech 2. Ditech is charging me more than is required to pay the loan. 
3. Ditech is charging me more than {$37.00} in excess of the proper monthly payment. 
4. I paid Ditech {$1000.00} with instructions to apply to my escrow account. Ditech has categorically refused to apply this funds to escrow account. 
5. Starting XX/XX/2018 Ditech again increased my monthly payment to another {$70.00} per month without any reason. 
6. Ditech is charging interest on actuarial basis without my approval and prior agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My name is XXXX XXXX  XXXX My ss XXXX.I got mine Credit report Home Depot credit card on XX/XX/2017. Its showing a late payment but I spoke to them and they said dont worry everythings its OK please help me with this issue thank you very much

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