vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have been receiving repeated calls to my cell phone number from " XXXX XXXX '' about an " urgent financial matter. '' Each time, they ask to speak to a person who is not me. I have told them multiple times that I am not that person and to stop calling me, and I have received verbal confirmation that they would not call me anymore, but I continue to receive calls, including evening and weekend calls. The most recent calls were XX/XX/18 and XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, ACCT.NO.XXXX .... is wrongfully appearing on my Experian credit report.XXXX financed and sold me a lemon, an unsafe vehicle that did not meet the implied warranty laws of the state of California and never will.Never since new has the car been safe or functioned normally.From the start, the fuel pump and air bag module malfunctioned.The front driver seat does not adjust, The doors unlatch by themselves while driving.The transmission had to be replaced at XXXX miles.The transmission clutch still doesn't function after replacement, The motor mount broke, The hood latch doesn't close.The trunk latch releases anytime.When my wife was stopped at a red light and rear ended at high speed, two air bags did not deploy.The list continues but what matters here is that two different branches of the same company are involved. 
The manufacturer and the lender.XXXX XXXX XXXX doesn't know what the manufacturer keeps secret.The car when sold was defective, severely illegally defective.It has 0 value except as scrap metal.NO ONE CAN BUY IT, NO ONE CAN SELL IT. 
YET, the financial branch XXXX XXXX XXXX wants to destroy my credit because at a certain point I no longer wanted to pay for a vehicle that was unfixable and unsafe. 
When it was sold and financed it was not what it was claimed to be.Everyone just wants to not obey the implied warranty laws of CALIFORNIA. 
THIS ITEM SHOULD BE DELETED FROM MY CREDIT FOR FRAUD OF THE MANUFACTURER AND FRAUD OF THE LENDER.

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 2018-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have had this account since XXXX. The loan was for XXXX. Today, XXXX, I still have a debt of over XXXX. I have been on the phone with the debt collectors countless times. I have provided my " financials '' at least three times with no change to my interest rate. When I ask for a decrease in interest rate or close my account, they offer to send me a packet of paperwork that I would be responsible to fill, provide necessary documents, etc. This paperwork requires a considerable amount of time and energy and is not guaranteed to yield any benefit. I have not been able to rise to the challenge of filling out these forms myself. 

My interest rate is XXXX %. My monthly finance charge is XXXX, plus late fee of XXXX. I am paying over XXXX a month and that does not make any dent in my overall balance. It is costing me money just to have a loan! I called today and spoke with a representative who informed me that since XX/XX/XXXX, I have accrued XXXX in interest. This, on an account I already have been struggling to pay for many, many years. I am afraid I am going to be stuck with this loan forever and I do not see any way out of the loan.

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 2018-10-16 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: AES/PHEAA
State: CA

Complaint narrative:
AES XXXX XXXX XXXX : Posted a Charge off to my credit reports, however it isn't my account, and the contract that they provided upon request doesn't match my social security number. Please remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the Equifax Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

Equifax has also locked me out of my account but I can not get assistance with this over the phone with Equifax. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my Equifax Report. The reps at Equifax do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: IN

Complaint narrative:
Keep calling saying they are filing a lawsuit against me! Do not know who this is and they refuse to let me know what the debt is or who it is. Calling relatives and won't stop calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Schreiber Law Firm, PLLC
State: FL

Complaint narrative:
Company is XXXX. I have no open credit cards, ever. They are stating I owe a certain amount of debt when I have NO debt. Gentleman on the phone was very rude and had no concern of the do not call list. Harassing phone calls when I have stated MULTIPLE times to take me off any call list.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was stunned once I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My loan servicer ( Navient ) reported a non-payment to credit bureaus after I transferred my loans to another company without properly informing me that I was still responsible as a co-borrower for one of my spouse 's loans. The letter I sent to them is pasted below. 

XX/XX/18 Dear Navient Representative, I am reaching out to you regarding a series of non-payments that were reported on my account beginning in XXXX. As a result, my credit score has dropped from over 800 to less than 700. Since I transferred the servicing of my federal student loans to another company last year, I was under the assumption that I did not owe anything. When I received E-mails stating that I still owed money after the transfer completed, I called Navient and was told to ignore the messages since they are automated. I even logged in periodically just to be sure, and my balance showed XXXX and transferred. Once I became aware of my falling credit, I discovered that the non-payments were from my spouse 's account. When we called to inquire last month, we discovered that I was listed as a co-borrower on a consolidation loan. Needless to say, I was perplexed since all amounts I have ever borrowed for college tuition had been transferred to the new servicer, and I had not received any postal mail notices or phone calls regarding the other account. Additionally, my name is not listed on her account when she logs in, so there is no way for me to know that I bore any responsibility for those balances. I did receive a couple of payment reminder E-mails, but again, when I logged in to my account it was still listing a XXXX balance. We have since requested a forbearance to deal with this issue financially, but I would also like to request an investigation into this situation, and hopefully the removal of the non-payments on my credit report. I have always been a good steward of my student loan obligations and do not have a prior record of payment irresponsibility. A copy of my credit report is enclosed for your review. Thank you for your consideration, and I look forward to your reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: AZ

Complaint narrative:
On XX/XX/18 I requested written validation of this debt in accordance with the provisions of The Fair Debt Collection Practices Act. I sent this letter certified mail XXXX XXXX XXXX XXXX XXXX. I received nothing, the statute requires a debt collector, not the creditor, to mail the verification to the consumer. The reporting credit company is not acting in fair manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was dismayed once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: UT

Complaint narrative:
ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
XXXX has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity.

There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report.

XXXX has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity.

There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX XXXX XXXX XXXX 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 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was upset after I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

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 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In 2012 my brother opened a car loan with XXXX. We have the same initials but different middle names. Some how the repo is showing on my credit report. I disputed this a number of times but nothing was ever done about it. I contacted XXXX a number of times in regard to this matter yet i'm still being held responsible for this. I didnt open this account, and is a mistake or fraud on my brother part ( which he is known for ). XXXX cant prove its my account because I never opened this loan or checking account with XXXX. Recently I decided to buy a home but this repo account is hindering me. This is mistake and or fraud. XXXX cant valid that this is my account because I never opened it. They even threaten to sue me. I just want this to be over.

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 2018-10-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In 2012 my brother opened a car loan with XXXX. We have the same initials but different middle names. Some how the repo is showing on my credit report. I disputed this a number of times but nothing was ever done about it. I contacted XXXX a number of times in regard to this matter yet i'm still being held responsible for this. I didnt open this account, and is a mistake or fraud on my brother part ( which he is known for ). XXXX cant prove its my account because I never opened this loan or checking account with XXXX. Recently I decided to buy a home but this repo account is hindering me. This is mistake and or fraud. XXXX cant valid that this is my account because I never opened it. They even threaten to sue me. I just want this to be over.

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 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/2018 I discovered HUNTER WARFIELD INC # XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately as you are in violation of FRCA regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
I received a phone call on XX/XX/2018 by a woman named XXXX at my place of employment. I asked her to not call me at work as I am not allowed to have personal calls. I provided her with my cell phone number and told her to call there. 

On XX/XX/2018 today around XXXX she called my cell phone with company Financial Account Services in XXXX from telephone number XXXX and then called my place of employment again. I immediately informed her that I had already told her not to call my place of employment and that I gave her my cell phone number. She then stated, " but you never answer or call me back. '' I then replied, that is what voice mail is for. Again she reiterated that I dont return her calls. She then says, okay well I will be sending this file up for other more severe actions and ended the call. 

About 15 minutes later I called the company back to make a formal complaint. A woman answered and did not give me her name. I stated that I wanted to make a formal complaint about an employee calling me at work. 

She transferred me to an older man. I told them what had happened and he did not in the least seem to care. I told him that they were more than welcome to call my cell phone and he interrupted me and started, " oh we wont be doing that any longer, now we are getting an affadavit and the next time we contact you will be through a summons to court. '' I then told the man that I had not received anything that his company had been sending and he became very sarcastic and said that is surprising considering that we mailed out a letter in XXXX. I replied that he will need to verify that this is indeed my debt because I didnt know what debt he was referring to. He stated that his company does not have to verify anything with me. 

At that point I told him that i would be seeking legal counsel. At this point this company seems shoddy in its business practices. I understand they have a job but they caused me distress at my place of employment by calling there when I had already asked them not to, the man refused to acknowledge any part on the verification and legitimacy of the debt, and threatened me when I advised that he could call my cell phone.

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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
None of the choices before this, matched my complaint. I chose the closest fit. 

I got a mattress as a " lease '' with Acima credit. I was not able to pay off in 90 days, at which time, the lease more than doubled. I was never sent or given a truth-in-lending, just a generic paper showing that the mattress was {$600.00} and I paid down {$100.00}. 

I contacted Acima three different times upon finding out the amount of interest they charge and told them to pick up the mattress. They refused, saying they needed pictures of the mattress, which I am not equipped to do. I told them by email three times to come and get it. It is now showing on my credit report. 

I feel this company does not operate legally. The complaints on their XXXX  page and XXXX page are reflective of this, with almost all customers saying they did not receive appropriate paperwork. 

I would like this removed from my credit report ASAP. If they want the mattress, they can still come pick it up. I refuse to pay {$1700.00} for a {$600.00} mattress, that several payments were paid on before seeing the amount they charge in interest.

Company response to consumer: Closed with explanation