vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company I disputed due to same happens with a XXXX XXXXXXXX card

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 2018-04-02 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: IN

Complaint narrative:
What is the count now my heros? I have now a same from XX/XX/XXXX you closed out as redundant. NOT TRUE! The same for XX/XX/XXXX- XX/XX/XXXX and thisXX/XX/XXXX. Will you close this out as redundant too? I ask who are you working to protect. Them or I? As of now, I am feeling ignored and put in my place. My Dead Father 's information is still on all. Incorrect wage reporting belonging to him, still there. Legal Deed and Transfer illegally reported as it does not have factual information. It contains a LIE! I see a cover up. Are you willing to be complicit in this? To lexisnexis I am a JOKE. I don't think you have a better regard for me at this point. RSVP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: CO

Complaint narrative:
National Business Factors through previous complaints with CFPB has agreed to delete this item from my credit file. This dispute has been going on since XX/XX/XXXX and more recently through a letter sent to National Business Factors ( which have gone unanswered ) via certified mail received on or about XX/XX/XXXX.

XXXX  and XXXX as of late XX/XX/XXXX state National Business Factors have verified the information is reporting correctly on my credit report instead of deleting the item as National Business Factors have promised.

I did receive notice from XXXX  that the item was deleted on XX/XX/XXXX.

I am willing to try this one more time ( 30 more days ) to allow National Business Factors to DELETE this item from ALL my credit reports. However, at the end of the 30 days if the item remains on my credit reports I will be forced to file in Colorado Federal and civil court to enforce my rights under the FCRA and FDCPA. I was declined for a Mortgage partially due to this item on my credit report. I pay higher insurance premiums and have high interest rates on my credit cards because of this item. I have been financially harmed now in the hundreds of thousands of dollars and will seek damages in at least that amount as well as punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
SPOKE WITH XXXX SEVERAL TIMES ABOUT ACCTS THAT ARE SHOWING ON MY CREDIT REPORT AS CH.XXXX BK, BUT THESE ACCTS WERE PAID YEARS AGO. IVE SPOKEN WITH REPS AT XXXX ADVISED THEM TO LOOK BACK MONTHS AGO AND THEY WILL SEE THESE ACCT ARE PAID. AND THEY REFUSED TO BE HONEST AND REMOVE ACCTS THAT ARE SHOWING INACCURATE/BK. I HAVE TRIED REACHING OUT TO XXXX XXXX TO RESOLVE THESE ISSUES BUT THEY WONT CONTACT ME BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called to get a duplicate card for my wife. The previous card request was never received. I was told that it was sent. However, I never received it. For security purposes, they closed the old card and issued a new card to both in my name and my wife 's name. I was told that I would receive the new card within a week. I did not even receive the credit card, I got a call from Bank of America, telling me that purchases are being made on it. The purchase was made on XX/XX/18, the same day the card was issued for {$2900.00}. My question was how can a purchase be made on a card that was never mailed out? Now, when I filed a complaint and a request a new credit card, I was told that after reviewing my request they could not issue me a new credit card. I feel that I am being victimized multiple times. First they stole my identity to make a purchase and I lost my credit card privileges. In addition, I tried to get a loan, I am also turned down by Bank of America, all of this as a result of one act that was out of my control.

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 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In XX/XX/2016 I purchased a computer via XXXX. The computer arrived broken and I returned it for a full refund. Between the time I returned the computer and the time the refund was issued I cancelled my account with Wells Fargo. I reached out to XXXX  to change the destination of my refund, but was told that the refund had already been processed with Wells Fargo. I received an Email detailing the refund on the XX/XX/XXXX, but when I reached out to Wells Fargo they repeatedly denied having received the refund. Throughout my repeated attempts to resolve the issue each company suggested that the other was at fault. I eventually lost access to my Wells Fargo account due to my cancellation of my account ( which I cancelled due to repeated undisclosed charges to my account ) so I was unable to see any further messages from Wells Fargo, who eventually marked my complaints as solved and stopped responding to my inquiries about the situation.

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 2018-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
In XX/XX/XXXX I got a loan from XXXX and was having the monies auto-draft from my account until my monies went from less than {$850.00} to more than {$2300.00} in XX/XX/XXXX. I was trying to get a lawyer to help me with this crazy increase for the 18months I had this load before I was advised to give it up, because the housing market was going crazy and no one had any answers. So, I let the house go into foreclosure. In XX/XX/XXXX, I received an application from the Virginia Attorney General telling me that I was owed my money back and I had to fill out this application and e-mail it back to them. I did this and have been waiting for my monies every sends. By XX/XX/XXXX, Virginia got XXXX XXXX dollars to refund monies back to people that lost there home from the loan scam and I didn't get a check. I called the Attorney General office and after no clear answers to my questions, I moved to XXXX to see what happen to my check. It wasn't until XX/XX/XXXX that some one at the Attorney General 's office informed me that XX/XX/XXXX participants was cut out of the deal between XXXX XXXX XXXX for the loan scams to pick-up loans from XX/XX/XXXX and up. I asked them where does that leaves me. No one had an answer at the time and told me to keep in touch to learn how XX/XX/XXXX was going to get compensated for their refund. I have done just that up until XX/XX/XXXX when the Attorney General allowed Lawyers to help out people that had not got their monies back. I contact a lawyer whom was referred to me by his daughter whom gave me his cell phone number in XX/XX/XXXX. He gave me his office number and ask me to make an appointment. I complied and after we met he ask me " XXXX what you going to do with all that money? '' I didn't reply because it was a bias question. He dismissed me and told me to call him the next day. I called him and he said that he was not going to take my case. So, I wrote to Washington D.C. to President Obama and ask for help. They sent me information to contact someone and they gave me the same lawyer. I contacted XXXX XXXX housing and they sent me to the same lawyer. I contacted the County of XXXX and they too gave me they same lawyer. For the last few years I have been trying to get someone to help me with my case and was told that that was the only lawyer around here that handle that kind of case.

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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.Transunion, XXXX, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : transunion-account resolution ( closed ) $ XXXX/XXXX XXXX XXXX  XXXX/XXXX XXXX $ XXXX.XXXX-account resolution $ XXXX/XXXX XXXX XXXX $ XXXX.XXXX-XXXX XXXX XXXX  $ XXXX/XXXX XXXX XXXX- $ XXXX/XXXX XXXX XXXX/XXXX- {$560.00} .

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 2018-04-02 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: PA

Complaint narrative:
For the third year in a row, Equifax refuses to give me my credit report. I use the XXXX site, plug in my personal information, answer their security questions and then they refuse to give me my report. They say I have to mail them all kinds of documents with my personal information on it. This is an extremely unsafe and unreasonable requirement that puts my personal information at significant risk. They should provide my information online, like the other 2 reporting agencies do every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
the bank is asking for one month mortgage payment for the right to renew my loan which is not expired. this is in addition to my regular monthly payment when I originally contacted them I asked for the new rate and a reason for the additional monthly payment, they sent it to me after the date that was required to get the new rate, they are saying that they can change my original interest only loan to a principle and interest loan but if I pay an extra month mortgage payment then I can stay at an interest only loan. however this is not anywhere in my mortgage contract. I feel this is a violation of the truth in lending act. the banks position on this is they can charge it even if it was not part of my contract. I disagree you cant change a contract just because you feel you can I feel I am being discriminated against and that the bank has violated the truth in lending act. when I spoke to an alleged person who works for the president his position was take it or leave it.I believe we have had enough bullying by banks and that we can do anything we want to you attitude. 
nowhere in my contract does it say that I would have to pay an extra month payment for the right to maintain what I have .I am not objecting to the rate increase, just the extra payment, and now it is past the time when I am eligible for maintaining. 
If your agency does not have jurisdiction over the truth in lending act please let me know who does

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly SIMM Associates is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES XXXX XXXX AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
SPOKE WITH EXPERIAN SEVERAL TIMES ABOUT ACCTS THAT ARE SHOWING ON MY CREDIT REPORT AS CH.XXXX BK, BUT THESE ACCTS WERE PAID YEARS AGO. IVE SPOKEN WITH REPS AT EXPERIAN  ADVISED THEM TO LOOK BACK MONTHS AGO AND THEY WILL SEE THESE ACCT ARE PAID. AND THEY REFUSED TO BE HONEST AND REMOVE ACCTS THAT ARE SHOWING INACCURATE/BK. I HAVE TRIED REACHING OUT TO XXXX XXXX TO RESOLVE THESE ISSUES BUT THEY WONT CONTACT ME BACK.

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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hi, I have a store credit card with XXXX by XXXX XXXX. 
The card was opened on XX/XX/XXXX. but approximately after six months ( XX/XX/XXXX ) there was a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I purchased a new home ( address XXXX XXXX XXXX, XXXX, Az. XXXX on XX/XX/XXXX. Funds were wired from my mortgage company to Lakeview Loan Servicing ok XX/XX/XXXX. 

The seller was in foreclosure prior to the completion of this sale. Funds remitted to Lakeview paid his loan in full and should have resulted in the stoppage of foreclosure. It did not, and a foreclosure sale occurred on XX/XX/XXXX. 

I have tried, unsuccessfully to get into contact with Lakeview to have them resolve he matter. Foreclosure should be rescinded immediately. 

Separately, the debt collector/attorney of the company which purchased the foreclosure stated verbally to me that they knew the lender had messed up but that they needed to threaten me with action to get me to put pressure on the mortgage company .... Not ethical business practices on behalf of attorney XXXX XXXX in XXXX az.

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 2018-04-02 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: TX

Complaint narrative:
XXXX, an XXXX, FL based company has run a hard inquiry on my credit. This inquiry was placed on XX/XX/XXXX. This is an issue because I having been living in XXXX, TX since XX/XX/XXXX as a XXXX student at the XXXX XXXX XXXX XXXX XXXX. I still reside in XXXX, TX, where I am currently employed.

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 2018-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES EXPERIAN XXXX  AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.

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 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
There have been repeated calls and at all different hours over the course of the past year or so.I have communicated to the company on several occasions that I will contact them when I am financially able to settle the 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 2018-04-03 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: NY

Complaint narrative:
Hi, I have a store credit card with XXXX by XXXX XXXX. 
The card was opened on XX/XX/XXXX. but approximately after six months ( XX/XX/XXXX ) there was a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AES/PHEAA
State: TX

Complaint narrative:
I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly XXXX XXXX is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN

Complaint narrative:
On XX/XX/XXXX I received a letter from Weltman, Weinberg & Reis Co., LPA that they were attempting to collect a debt that I owed to XXXX XXXX XXXX for damages in the amount of {$5000.00}. I sent them a letter back denying that I owed this debt as I have never been summoned to court or had a claim filed against me. XXXX XXXX XXXX XXXX has given them information that this is their Claim NumberXXXX. I received a letter from XXXX about a claim about 2 years ago and it seems that a vehicle I sold was involved in an accident in Florida. I signed the title over to the purchaser but I forgot to remove the license plate, however the registration was expired at the time of the sale of the vehicle therefore the driver was operating the vehicle on expired license plates at the time of the accident. I explained all of this to the lady I talked to and thought that was the end of it until I got this letter. I do not owe XXXX XXXX XXXX any money so I don't know why they would turn me over to a collection agency. I also don't understand why these attorneys would attempt to collect a debt without proof that it is valid.

Company response to consumer: Closed with explanation