vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 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: MN

Complaint narrative:
On XX/XX/XXXX of XXXX, I went to a clothing store called XXXX in XXXX, Minnesota. As the cashier was scanning my clothes, she asked if I would like to save 15 percent on my purchase for the day. I said sure. My purchase was about {$40.00}, something between 40 and 41. With the discount, the price was between {$35.00} and {$36.00}. 
Heres where the issue came up. The cashier rang up my clothes as the {$40.00} price and the discount was not applied. To avoid any future issues, I asked to pay off the full amount immediately after my purchase. What ended up happening was she only paid off {$35.00} of the {$40.00} because she did not notice the discount was not applied. 
So about five dollars was left on the card for several months and the balance build up on the 29 percent annual interest. I had no idea of the balance until I finally got a letter in the mail from XXXX XXXX saying that I had owed {$71.00}. 
A few days later I went into XXXX to resolve the issue. They told me to call XXXX XXXX which is who the card is issued through. I believe this bank is located in Delaware. 
I call and tell them the situation. They tell me that they can not just clear the {$71.00}, some of it has to be paid. So I get them to lower the balance to {$17.00} which seemed a lot better than {$71.00}. The XXXX manager reimbursed me the {$17.00} so everything was cool after that. 
Then I looked at my Fico Score on XXXX XXXX which I do every month. It had dropped from XXXX in XX/XX/XXXX all the way down to XXXX in XXXX of XXXX which i when I found out about this. 
Since then, I have gotten my score back up to XXXX. 
These are the only missed payments I have ever had. 
I recently talked with a banker at XXXX XXXX and he said I should 100 percent dispute this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am in the XXXX  and had just moved to Florida in XX/XX/2018. I am ashamed to say thay we were naive to be con into this vacation club/timeshare. 
My wife and I had two credit cards opened in our names while starting this membership that we found out about around 2 weeks later. The day which i believe was XX/XX/2018 we went to a presentation. The manager and sales rep had us fill out paperwork, including a credit application. Now we know at this time, our information was being used to apply for credit cards. This entire process of us starting this membership was expedited due to the time constraints of us having to pick our daughter up from school. When my wife received the cards in XX/XX/XXXX, she called me while I was at a military school in Florida and told me about it. I immediately called the credit card company which should be on their phone records and under my account acquiring about these cards and how to go about disputing the charges. I tried to contact the sales representative and other reps in the company before the cards came and letting them know i wasnt happy with this membership. i have a track of emails dating back a year from me trying to cancel this membership. the only reason the card charges weren't disputed in XX/XX/XXXX was because the membership was still active and we didnt want thia to backfire on our credit. Everytime we would reach out to the company regarding cancelling this membership, they would tell us " we NEVER had anyone cancel and how great the travel opportunities are. We would always ask to speak to the next prrson in the chain of command. after a year and threating to hire a lawyer i was consulting with, they agreed to cancel the contract. We let them keep over {$1000.00} dollars that came from our babk account. Now, they are trying to keep the credit cards money as well. We never verbally told them they could take this money off of the two credit cards they applied us for or we didnt sign a receipt with the credit card information from either card. We were told what our monthly payments would be and that they would come off of my debit card. There were NO services or Supplies rendered for this company to steal and gain a free {$6700.00} dollars in profit from this credit card company.

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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All XXXX major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I bought my home in XXXX and refinanced with XXXX dba XXXX which sold the loan to XXXX in XXXX. There have many different Servicers and the most recent on is Caliber which had its licensed revoked in the State of California. by XXXX XXXX XXXX Deputy Commissioner XXXX XXXX XXXX Assistant Chief Counsel XXXX XXXX XXXX ( State Bar No. XXXX ) Senior Counsel Department of Business Oversight XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX The ruling stated : NOW GOOD CAUSE APPEARING THEREFORE, it is hereby ordered that the residential mortgage lender and servicer license issued by the Commissioner to Caliber Funding LLC is hereby revoked. This order is effective as of the date hereof. Pursuant to Financial Code sections 50310 and 50311, Caliber Funding LLC has sixty days within which to transfer its existing service accounts and complete any loans for which it had commitments. Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, California Commissioner of Business Oversight By : XXXX XXXX XXXX Deputy Commissioner Enforcement Division. 

Yet during XXXX I sent Caliber over {$20000.00} USD which were not applied to my alleged account. ( See 1098 and Trustee Letter attached ). 

Pursuant to RESPA, TILA, FDCAP, FAC, etc. I requested further information from Caliber, XXXX XXXX acting as a Trustee, and the alleged Trust that has my note, XXXX Master Participation Trust and they have failed to disclose this fact to me. 

They keep attempting to foreclose on my property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place. 

They have even sent drones and taken pictures of my home and family without my permission which is totally unlawful in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
requested validation on basis of violation through cfbp and on XX/XX/, 2019 received packet that contained someone else information and accounts. Therefore I'm positive my confidential information was sent to someone else. My initial complaint Detailed and implied my concerns of HIPPA violation. To send wrong information and someone else at that is the icing on the cake. The 30 day window has passed for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I Called and Have Spoke with this Company who has been very rude to me and even hung up the phone They Claim i owe this Company Money for a cell phone which i do not and they will not provide me any proof

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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS mailed me a letter violating HIPPA and trying to collect a medical debt. On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS received a certified letter from me asking to validate the medical debt they claim that I owe. The first letter I received from them had diagnosis, doctor 's names, procedures, charges and codes in the letter which violates my HIPPA rights. I have also attached the only letter they have sent to me before my certified letter to them. They have not validated anything with me after I asked for them to validate the debt and it has passed the 30 day mark. COMMONWEALTH FINANCIAL SYSTEMS are still reporting this debt on my credit reports. I also mailed them a cease and desist letter on XX/XX/XXXX due to the numerous phone calls throughout the day. I also contacted XXXX, XXXX  AND XXXX  and asked them to delete COMMONWEALTH FINANCIAL SYSTEMS from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TN

Complaint narrative:
On XX/XX/2019 I Sent A Certified Letter To The Credit Bureaus To Properly Validate An Account That Was Paid On Time ... The Credit bureaus Refuses to validate the account in has the account showing as a paid collection on my credit report which isn't true ... All Payments Were Made On Time ... I Been trying to fix this correction for sometimes in its really frustrating

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 2019-02-19 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: AES/PHEAA
State: NY

Complaint narrative:
I have a loan with XXXX XXXX XXXX   XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and XXXX XXXX XXXX   XXXX with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX to XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
On XX/XX/2019 I called and spoke with a Very Rude employee who just kept over talking me and claiming i owed XXXX for a Cell Phone. I ask them to send me proof and they will not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: WA

Complaint narrative:
XXXX says that I opened an account with them and I never did. The address that they supposedly sent items to was sold 3 years ago and I moved out of 5 years ago. I have discovered the charges twice and they state the charges are legitimate. The email address associated with the account is not mine.

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 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: CA

Complaint narrative:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act,  XXXXode 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with non-monetary relief