vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
This is not an account that is owned by me and I did not authorize anyone to open this account in my name.

I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXX and I have kept a vigilant eye on my credit so in XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts.

On XX/XX/XXXX using the address and account number reported on my credit report I wrote my first letter to Financial Recovery Service , Inc account number XXXX  who claim that I owe the amount of {$810.00}. On XX/XX/XXXX I received a response from the collection agent in the form of statements as proof of validation.

On XX/XX/XXXX I wrote again mailing it by USPS certified mail. I informed them again that the account was unknown to me and to determine if this is an issue of identity theft or somebody with the same name I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account my request was and still is for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay.

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately.

It is ridiculous that it is now over 8 months since my initial request for validation which is now well over the 30-45 day time frame as per law and this collection company is out of compliance.

Under advise, I wish to informed Financial Recovery Services, Inc that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: CA

Complaint narrative:
UNITED REVENUE CORP I went through my medical provider and they paid the bill in full due to their mistake and now its in collections. It should have never been to collections as it was paid in full by my medical provider. 

Medical Provider : XXXX XXXX I contacted XXXX XXXX based on this issue and they took full responsibility, after it was escalated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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: Convergent Resources, Inc.
State: MD

Complaint narrative:
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$240.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alledged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company sent me a letter dated for XX/XX/2018, this document was the same identical documentation they sent on XXXX and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this 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 2018-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
On XX/XX/18 at XXXX XXXX, I called One Main Financial. I believe I spoke with Someone named XXXX. I told her I no longer authorized Aut draft payments from my checking account. We had to go over this several times. I told her I had some medical issues, and had missed some work and I needed to change to manual payments. She talked to her manager, then came back and told me they would remove my Aut draft from my checking account, but my payment was still due by theXX/XX/XXXX Today I checked my bank account, and they still auto drafted my account. This has caused even more financial hardship ... and I want this stopped. Being that I called on XX/XX/18, One Main Financial had more than enough time to cancel the auto draft on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Complaint : Posted check to closed account # XXXX and does not return check ( 3 + month past due ) Using automatic bill pay I sent two checks on XX/XX/18 and XX/XX/18 to Chase Auto Finance in the amount of {$2600.00} each, this payment was sent by mistake and was not intended for Chase Auto Finance. 
Realizing my mistake I called Chase Auto finance on second week of XX/XX/XXXX and I was assured that checks will not be cashed and will be sent back within 10 business day since my auto loan ( loan # XXXX ) at Chase Auto Finance was closed several years back. While I was following up on weekly basis Chase deposits check on XX/XX/18 and XX/XX/18. So either the customer service representative was lying to me or the account department was lying to customer representative that they are reversing the posting and sending back the check. 
As of today XX/XX/2018 it's been more than 3 months, several follow up, fax message and faxing bank statement proof has not yielded any result. Every phone call they keep assuring that there is work order ( case # XXXX ( not sure if this is valid or a made up number by customer rep. ) ) and I will receive my check in 10 business day but Chase is not returning my check. How can chase post a check to closed account and hold it as their revenue isn't it against the accounting rule?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: IL

Complaint narrative:
I was involved in minor accident last year in XXXX my insurance company denied my insurance so the other deiver 's insurance company given that right to debt collecting agency to collect the damage of that vehicle of their client so I asked them for estimate of damage they send me the esitame and that was almost {$1800.00} I doubted that because that damage was very little few scratches so i reported that incident to state insurance commission they send me the file of whole claim and what I noticed that the pictures of car they used to make estimate was totally different an accident I was involved that car was XXXX XXXX and they used the car XXXX XXXX to made wrong estimate in between all those time they kept call me pay us withing this time limit otherwise we will report you to secretary of state and get your license suspended.so I called the insurance company they were representing that you provided the wrong facts and I told them I am not gon na pay the amount you are showing in the estimate because you provide the wrong facts so they start making settlement that ok pay {$500.00} to the debt collecting agnegy that representing us I was so overwhelmed because they keep threatening me to get my driving license suspended and I was tired of all those phone calls and Mails.so I paid them {$500.00} online through credit card they told me we will mail you payment receipt in a week its been 2 month I have not received my payment receipt I called them last week they denied to give me my payment receipt in the meantime once I paid them after a week I received a letter from the insurance company that represented by this debt collecting agency that we are sorry that debt collecting agency sent a wrong images and they use wrong vehicle for making estimate and when I debt collecting agency about my receipt last week and they didn't have any record of the car that was involved In accident still they were asking me that you were involved in accident with XXXX XXXX and that's not true.so in this case what I feel that they misrepresented the information yo collect wrong amount from me because my insurance company already denied claim so they knew that we are collecting damages from an individual so how that individual is gon na investigate all those stuff but the luckily I reported that to state insurance commission and I caught them misrepresenting the information. Please help me to take an appropriate action against them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
A debt collection company named Firstsource has bought a debt from a Credit Card company named XXXX XXXX. I informed XXXX XXXX previously that this is not my debt. The amount stated I owed was {$1000.00}. I requested several times from XXXX XXXX to show me proof this was my debt, as I had never had a contract with them or entered into any agreement. I informed them I never enter into a contract without signing my wet-ink signature on a document in agreement of such terms. 

This being said, I never opened an account with XXXX XXXX, and XXXX XXXX never showed me proof to the contrary. Now, they have turned over this debt to XXXX XXXX XXXX to collect the debt, which again, I do not owe and never had a relevant account. 

This complaint is about XXXX XXXX, but I thought an explanation was needed to describe how this entity became involved in an unfounded debt. When Firstsource first sent me notification this debt was turned over to them to collect, I immediately replied to what I have stated here ( first paragraph ), that I never opened an account with XXXX XXXX and do not owe any debt, and demanding Firstsource present to me what I asked of XXXX XXXX, a written wet-ink-signed document memorializing my agreement to such a contract ab initio. 

Firstsource replied recently nonresponsive to my first complaint and demand of proof of this alleged debt. They have reduced the amount to {$510.00}, but I owe {$0.00}. This company must cease this correspondence unless they have what I am asking for, a written contract with my signature thereon verifying this agreement exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
After having this home equity for almost 14 years, they have sent me a notice advising me that my hazard insurance on the home expired in XX/XX/2018 and I have to provide proof of hazard insurance or they will buy insurance for me and bill me the cost of the insurance. Not only do I have hazard insurance and have had it the entire life of my mortgage but it doesn't even renew in XXXX. My home insurance has never lapsed or expired and I have mailed them a copy of my declarations page from my insurance company and I have called them several times to advise them I have hazard insurance have always had it. They have never requested this before and I have never been threatened with forcing my to pay for insurance I don't need or want. They advised me that they never verified it the past 13 years because they had a different computer system that didn't track this information but now they need it. I have sent them the declaration page like they requested and they have no right to purchase and bill me for insurance that I didn't request. They keep sending me notices threatening me saying their records show the hazard insurance expired, how could that be when then never had record of it or who my insurance is for my primary mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express offers referral bonus of XXXX miles for every person who opens an account with that referral link. I opened an account with a friend 's referral link and due to a website error, they didn't get the bonus. Attempts to get this remedied were met with them saying it wasn't possible and that it was my fault. They are unwilling to credit the referrer 's account with the promised reward and simply transfer me to another department or hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was in the hospital I had Fraud on my account I had both cards in my possession and I noticed there was 3 charges and 1 payment that I did not do I called capital one they said no problem we will reverse the charges and make a note of they payment wasnt you and it will not effect my account because I already paid over my min payment early and then I noticed my card account was closed before I can activate my new card and the rep said it was for my own protection and guess what I cant open a new card anywhere because of the XXXX that is not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 Experian & XXXX on XX/XX/2018 XXXX XXXX XXXX Experian on XX/XX/2018 XXXX XXXX XXXX XXXX  on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX Law all three credit bureaus told me that none of these items were being disputed by XXXX Law and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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: CA

Complaint narrative:
On XX/XX/2018 I filed a complaint with Experian to remove a fraudulent account from my credit report. Both XXXX and XXXX  have recognized the account in question to be fraudulent and have removed it. The account is XXXX XXXX XXXX. I currently have an open complaint with the CFPB that XXXX has not responded to. I can not understand why Experian is the only reporting agency refusing to delete the account. Everyone else agreed this account is fraudulent. My credit is being held XXXX. I can not obtain housing with this fraudulent lein on my credit. If I owed this money it would have been paid long ago. They officially refused to delete it today XX/XX/2018. There is no reason for Experian not to recognize this as fraud. XXXX has provided no proof of they're claims. They are not responding to CFPB inquiries. They have not provided photographic evidence or any proof for that matter. This needs to be deleted immediately. I can not get housing. I am XXXX. I am on XXXX. I am a veteran. XXXX XXXX XXXX and Experian needs to do the right thing. You guys are going to cause me homelessness. By way of XXXX  and extortion. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I visited a physician and underwent testing at XXXX XXXX ( SC ) in XXXX, IL. Subsequently, I received an EOB which stated that the initial claim was denied. I did not hear back from SC until XX/XX/XXXX, after which I received multiple bills in varying amounts until XX/XX/XXXX. I expected that the sum would be picked up by my insurance company as I did not hear back from SC. 
Much to my dismay, when I was applying for credit in XX/XX/XXXX, I was informed that I had 6 adverse remarks on my credit score. 

Apparently, in the previous 6 months, my bills were transferred to Pro Com Services of Illinois ( XXXX XXXX XXXX, XXXX, IL XXXX ). When I contacted the agency, I was informed that these remarks were placed after multiple attempts to contact me. I informed them that I had never heard from Pro Com ( in writing or over the phone ). I immediately paid the amount owed. However, till date, Pro Com has not undertaken any actions to correct these adverse marks that should have never have been placed in the first place. 

I am deeply distressed by these developments. As a law abiding person, I have never been late on a single payment under any circumstance. I am disturbed by the actions of XXXX XXXX and Pro Com. I believe that the actions of ProCom represent predatory practices and must be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to Navient ( my student loan holder ). 
My application was received and accepted by Navient and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. Navient still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. Navient also notified me my application was approved, would be dismissed and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion consistently displays the message " We are unable to complete your request at this time. '' on their website when trying to view my free consumer file, dispute a claim, or freeze my account. 

I believe this is by design to make my access to my information difficult and create a barrier to me controlling my data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2018 as a perspective funding source for XXXX XXXX for a personal loan I had requested, XXXX XXXX requested and received a credit report on my person ( XXXX XXXX ) from Trans Union. Trans Union reported to XXXX XXXX  that my credit score was XXXX. When I pulled my report from XXXX XXXX shortly after seeing this information I then checked my score and it showed XXXX, I immediately informed XXXX XXXX that the score given to XXXX XXXX was erroneous. 

Fortunately the persons handling my loan documents took that data in consideration. But you can believe that the amount of interest I was offered on my load is much higher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Inquiries come from companies that I didnt apply for and its hurting my credit and Im in the process of repairing my credit every time it goes up a inquiry comes 1 2 3 4 comes on my credit report tired of calling companies to send me proof that I gave them permission to put hard inquiries on my report

Company response to consumer: Closed with non-monetary relief