vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: WA

Complaint narrative:
In XX/XX/2019 I conducted a, solely, non-credit business transaction with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of XXXX, XXXX WA XXXX. At absolutely no time was credit of any kind either discussed or even whispered about. However, XXXX XXXX XXXX XXXX, unbeknownst to me at the time, and with absolutely no authorization of any kind, somehow ran a " hard [ credit ] check '' against my Equifax credit file. This was a clear violation of the Fair Credit Reporting Act. After discovering this on my Equifax credit file I contested this with Equifax on XX/XX/2019, ( Credit File Confirmation # XXXX ) and but two days later, on XX/XX/2019, Equifax determined that " Inquiries are a factual record of file access. If you believe the file access was unauthorized, please contact the creditor. '' Of course. By definition, my complaint itself stated that the access was " unauthorized, '' and it is not my job to clean up the illegalities that Equifax allowed to occur, and now also is very actively acting as an accessory after the fact regarding. Using Equifax 's logic, any entity or person could access my credit report unauthorized and because the access " factually '' did occur, the resolution rests between the law-breaker who initiated the credit check and me, with Equifax, according to itself, just an innocent bystander that also can continue to list the illegal " hard credit '' check on my report for two years. Am I missing something? XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of XXXX located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency Equifax & also the Consumer Bureau Protection, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company XXXX has over two-hundred and forty complaints on Consumer Bureau Protection Website and all  consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold XXXX responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, XXXX placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting XXXX to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK

Complaint narrative:
On XXXX XX/XX/XXXX I checked my credit score through XXXX XXXX online app and I found two negative inquiries on my credit report, one of them was from I, Q Data international, INC. I called them to find out what it is about and I found that this debt is regarding the XXXX XXXX XXXX in XXXX XXXX. I stayed there from XX/XX/XXXX to XX/XX/XXXX. I paid all charges on time and before I had left. I then wrote them a letter on XXXX XX/XX/XXXX to verify my legitimate debt according to fair debt collection practices. In this letter I requested them 6 questions shown in my letter that I had attached with my complaint. I waited for their response, On XXXX XX/XX/XXXX I wrote another reminder letter to verify the debt. In XXXX I received a letter from I.Q. Data International stating that " they reviewed my dispute and I have to submit another dispute letter to open a new investigation. '' But they failed to provide any documents that were requested from me in my dispute and reminder letters. 
Then I received multiple calls from them, they demanded that I need to pay the debt. I requested them to not call me, but they kept calling me and in XXXX, I received a call from their representative to talk about the debt. I requested him to send me a letter if he had any questions. He then started to use abusive language and started harassing me. I requested him to stop harassing me please, but he continued. I then hung up the call. 
On XXXX XX/XX/XXXX I then sent another letter about the requested documents and the harassing incident, but I never received any notice from them. I submitted my complaint by phone call to XXXX  credit bureau to remove my negative report. Later on I received a letter from I.Q. international along with my billing statement. I then called them on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX XXXX : XXXX about my debt validation and my requested documents. She refused to provide me any further documentation. I asked her about the billing amount and an explanation of the billing statement. She told me that it was the wrong amount they charged me, but she would not tell me why it was the wrong amount and what the correct amount was. I told her I paid every thing including my lease termination fee and all my bills. 
I would like this negative mark removed from my credit report. I can not lease any apartment due to this negative mark on my credit report. I can not buy my dream truck and a house on a low interest rate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I did an international online money transfer with Moneygram on XX/XX/2020 with an expectation that the recipient would receive the money within minutes. The recipient contacted me to say that Moneygram to date has not transfered the funds to the recipient. I tried to cancel the transfer online. My moneygram receipt states that I could cancel the transaction online. However, there is no provision to cancel this transaction online at all. I called Moneygram several times and asked why I was not able to cancel online on their website. They are aware that I could not cancel online even though my receipt says that I could. 
I have requested several times for a transaction refund from Moneygram, via online chat, telephone and also registered a complaint via they're website. All this is to no avail. After six days of waiting for my refund. Moneygram continues to not provide my refund as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, I paid an artist for a commission ( {$70.00}, {$73.00} including fees ) of a comic page of characters of my own design. This was never delivered, and the artist eventually admitted they were not able to finish it. Afterwards, I asked for a refund, which they agreed to, but never sent the money. I occasionally checked up on them, roughly once a month, but they would simply say they were getting on it. Eventually, they started leaving my messages on read.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There are accounts the do not belong to me posting on my credit report. it is causing me damages and distress. I am being denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: CA

Complaint narrative:
There are accounts the do not belong to me posting on my credit report. it is causing me damages and distress. I am being denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was with Seterus Inc., it recently transferred to Mr Cooper. I received a notice that indicated my mortgage was going up because I didn't have enough money in my escrow account for taxes and insurance. Now, up until maybe XX/XX/2019 was was paying my own homeowner insurance. 
I purchase Ins. from XXXX XXXX XXXX, policy XXXX, a month in the policy I received a letter indicating the price change to 3 times the amount.I asked them to cancel that policy and the still took {$800.00} and sent me the rest, which unfair to any homeowner.I then purchased with XXXX Underwriters ( XXXX XXXX ) I never had a gap in my insurance. I spoke rep from MrCooper who indicated Seterus adding to my escrow and a check was sent out to the Insurance, but returned with a partial amount. The insurance company rep stated, no check was every sent out because I paid it in full.Both parties were supposed to send me the documents, but I haven't received anything for either party. This is very frustrating because I'm on a fix income and can't pay an extra XXXX a month attached to my mortgage. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
US Bank .... They cashed my check on XX/XX/XXXX, they are stateing I have not made a payment and charging me a late fee. I have tried numerous times to discuss this with them to no avail. They call several times a day, send emails basically telling me I'm destitute. I have made a payment they cashed the check and I am taking offense. They will also send this information to the credit bureau damaging my credit.

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 2020-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I opened this account on XX/XX/XXXX financing {$26000.00} for 72 months paying {$520.00} a month. I am currently on payment number XXXX with an outstanding balance of {$19000.00}. If I did my math correctly I have already paid {$22000.00} on this loan. It is impossible for this institution to say that I still owe {$19000.00}. The maturity date of this loan is XX/XX/XXXX. I feel that I am being scammed out of my money with this institution and I am having problems paying this bill every month. I have paid late so I can not refinance which I was told that I could do when I signed for this loan, I was told I could refinance in six months but when I went to refinance they denied me. I do not know what to do I have paid over {$20000.00} to this company and I feel that I should not owe {$19000.00}. They are saying that in almost a five-year timeframe I only paid {$7000.00}. This company is a fraud and something needs to be done about it. I should almost be finished paying off this car note and it looks like I am underwater for around {$15000.00}. I have XXXX children in college and also battling XXXX XXXX XXXX XXXX. I believe that something needs to be done about this account and this company who is giving out bad loans. I am going to fight this matter to the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
This is a medical bill that was processed by XXXX XXXX and they do not process my medical bills to my insurance correctly. Because they can not be reached by email, I have to call their Patient Financial Services Department on the phone and there is no written record of the conversation and they always tell me, don't worry, don't pay it, we will bill your insurance, but they don't do it correctly ( or at all ) and then the bill does not get paid and XXXX thinks its delinquent and turns in to collection. 
I have been getting letters from the Collection agency USCB XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX since at least 2009. I can send you copies of collection notices from them since 2009. And complaints filed with your office as well as CDMHC. 
I am also a XXXX patient at XXXX XXXX XXXX XXXX XXXX, and they bill my insurance correctly, then XXXX bills me for balance, they never make mistakes and I pay the bills on time and never late. But XXXX bills are always billed incorrectly, due to XXXX 's inefficiency and unfamiliarity dealing with a private insurance company for their coverage, and consequently it appears on their records that I don't pay the bills. 
My insurance does not permit me to pay the bills and get reimbursed, they pay their insurance amount and then XXXX is supposed to bill me for the balance. 
This has been going in since 2009 but XXXX doesn't get it right, and USCB calls me, and leaves threatening messages. I finally disconnected my home phone. And I have been receiving collection notices from USCB since 2009 most for bills that were paid. I am XXXX years old XXXX patient, all my bills with other medical providers are current. I want to file a complaint against USCB for Elder Abuse. I know I cant file against XXXX Patient Financial Services because as I have been told by Dept of Managed Health Care, they are not an HMO. So I am left with few options other than your department for Consumer related issues. I am running out of options to stop this incessant billing and notices every year. 
And I told XXXX I refuse to correspond with a collection company and will never pay any money whether owed or not to USCB or any other collection agency for errors and omissions that are XXXX 's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I continue to have issues with businesses in purchasing or in this case : 1. I opened a checking account online with XXXX XXXX Bank. I wanted to transfer a large deposit from my SunTrust Bank which I have had for over two years, except I did not have a routing number or checking account for XXXX XXXX so I caught a ride to a close XXXX XXXX to present a personal check by an XXXX driver. 
2. The younger male allegedly ordered some checks and deposited my personal check to the account that I apparently had on the debit card that I was sent. 
3. My SunTrust Bank denied to accept my two signatures on XX/XX/2020 except the new manager told me that she is new at my branch and that she said that my two signatures on the back and front did not appear to be similar even though my daughter has cashed checks presented and signed by me several times to include just recently. The manager had emailed me twice after a large deposit was made directly as usual from the federal government from XXXX and the VA except as I have stated this time the bank received a large amount, electronically as usual. XXXX XXXX asked me to come to the SunTrust branch but I explained to her that I am now in a wheelchair and that my hands suffer with XXXX XXXX so that I do not like to grasp anything. Most importantly I asked her to accept my license number seen at the other bank, I could give my SSN and she has my email address and physical address on record, but : 4. The second check larger amount was deducted from my SunTrust account leaving me with little so that I will not be able to pay my rent. 
5. The XXXX XXXX Bank has closed my two ( checking and savings ) accounts so that now I think that they asked me to open a second account so they can charge a {$12.00} fee and now they closed all of my accounts on XX/XX/2020. I was supposed to receive just {$4800.00} tomorrow and the rest, the largest amount on XX/XX/2020. I was asking why and I felt that the two or more employees took the large amount on purpose to ripe me off of the XXXX  figure amount or try to force me to go to the bank again, possible for nothing ; abuse and discrimination. 
6. I can not tell where my money is except that I know where it should be at 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 explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-07 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: AL

Complaint narrative:
On XX/XX/2019, I had applied to XXXX XXXX American Express Card with a XXXX XXXX XXXX points bonus points for {$1000.00} in purchases. I applied through a link through XXXX XXXX website. A month later statement posted without my bonus points even after {$1000.00} in purchases. I opened a case with American Express about my missing XXXX bonus points. I've contacted American Express and they said the offer was not attached to the account. Why would I apply to a card without signup bonus? This is my first American Express card too. American Express supervisor said they could not do anything for me as it was out of their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I purchased a plane ticket from XXXX  XXXX XXXX XXXX to XXXX, XXXX XXXX on XX/XX/2019 from XXXX XXXX for {$2000.00}. 
When I got my credit card bill from Bank of America, I found out I was charged a Foreign Transaction Fee of {$60.00} by Bank of America. 
The transaction was made from here, in dollars and on the Airlines US website. I have purchased flight tickets with Bank of America credit card many times through XXXX, XXXX XXXX and was never charged a fee. I call Bank of America, talked to 3 different people and they refuse to take it off.

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