vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My husband XXXX XXXX XXXX passed away on XX/XX/2016. We were separated at the time for XXXX years and he resided at XXXX XXXX XXXX, XXXX XXXX Maryland at the time of his death. I received his letter from the Collection Agency in  care of XXXX XXXX XXXX, The XXXX XXXX stating they wanted to make a settlement of his debt. Since we had been married for XXXX   years, separated for XXXX years, all of our debt had been in each of our own names, other than our home, which we did a deed in lieu of foreclosure. I did not know which debts my husband had, never signed my name on any of them, and have never been responsible for paying any of them. The same goes for me. I have my own debt, including my own XXXX XXXX card. Now, these people want me to pay for his debt. This is totally unfair on several accounts, I never signed my name on any of his bills, never used any of his credit, didn't know what credit he even had. My credit has always been important to me, and now while trying to keep my own credit cleaned, his bills are now coming in for me to pay, and are being placed on my credit report and they are using my address. I have sent letters to 3 of them, informed all of the banks, and now after 2 years, they are trying to collect from me. XXXX was the primary bread owner while we married, even then, we were responsible for our own debt. In addition, my deceased husband, never lived with me at my current address, nor I at his current address.

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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/17 I looked at my credit report online, with one of the free websites. I found another XXXX XXXX, who lives in XXXX, CA on two of the three reports. From the scores listed, my score is bringing hers down with Experian and XXXX. Of the three reporting agencies, only XXXX   did not have the XXXX XXXX in XXXX. Today, I tried to notify them online but could not contact them with out signing up for something. I tried calling but got a robot and could not get a person. Her score makes mine look really good, in the 700-800 range. With out XXXX XXXX, my score is XXXX, not too bad and much more realistic. I am concerned that my score could adversely affect XXXX XXXX XXXX financial possibilities. I just want to straighten things out and have accurate information for both of us.

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 2018-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/2018 I paid off my existing collection account with Credit Acceptance in the amount of {$190.00}. My account number is XXXX. When I paid this account off in full I was told that all three ( 3 ) of my credit reports would reflect that the account was paid and closed and would do so XX/XX/2018. Well that is not the case because I checked all three ( 3 ) of my reports on XX/XX/2018 and Credit Acceptance reported to XXXX, XXXX and XXXX that I still owed a balance and charged off. I called Credit Acceptance to resolve this and the CSR told me it would be fixed. Credit Acceptance has yet to fix my credit reports with XXXX and XXXX to show this account paid and closed.

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 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert that stated that my account was overdrawn by {$23.00}, plus a overdraft fee of {$34.00}. This transaction was made on XX/XX/XXXX while I was in XXXX, NJ on vacation almost 2 weeks ago and was posted by Chase on XX/XX/XXXX. I called the bank to find out how this overdraft occurred and was told by a Manager that they did not receive the request for payment until XX/XX/XXXX. I do not understand how 2 transactions from XX/XX/XXXX posted then took 11 days according to the Manager to be taken out of my account. My account on XX/XX/XXXX had a balance of {$150.00} which covered the {$23.00}. 

All other transactions from XX/XX/XXXX - XX/XX/XXXX were payed within 2-3 business days.

Chase is known for holding onto payments and waiting for them to go into overdrawn status so that they can collect recurring overdraft fees of {$34.00} daily until paid. This isn't the first time this has happened and I will be closing my account and going to another bank. I hope if this has happened to anyone else they decide to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have been trying for nine months to drop the PMI that we have been paying, even going as far as ordering an appraisal. That appraisal came in at {$410000.00} and the loan amount is {$300000.00}. Ocwen would not drop PMI and insisted that we provide to them contractor reciepts for all work done, and if work was not done by a contractor it could not be considered for PMI cancellation, and PMI would not be because of the market value increase, only improvements to the home can count for PMI cancellation. 

I started this request on XX/XX/2018, by sending an email to Ocwen to cancel the PMI. I was denied, however, I had to place a phone call to inquire about my cancellation request, I was never formally contacted. After speaking with Ocwen I was told to include an appraisal in my formal request, so I ordered an appraisal and spent {$500.00} to do so, and included this in my request. I was again denied and told I was denied because I did not use a certified appraiser, to which I directed them to the last page that showed the appraiser was a Utah Certified appraiser, then I was told this won't work because Ocwen did not order it. I then asked for a refund, to which they offered.

Then I was told to mail in a check for {$110.00} to have my PMI cancellation considered, and told that I needed to provide contractor receipts because the only way my PMI would be canceled is from improvements that I added, not because of the market increase. I did most of the work myself and was told this would not count. So, I did not send in a check and have been exploring my options, and I am currently shopping around to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Wakpamni Lake Community Corporation
State: CA

Complaint narrative:
Confirmed with company that they are garnishing wages without a court order Confirmed they have received payments for the full amount owed - XX/XX/2018. 

Calling me after hours of XXXX and before 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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This complaint is in response to a phone call I had on XX/XX/2018 with a Transunion representative. I was told I do not have a right to request an itemization of the alleged debt or copy proof of an original consumer contract with my signature. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, Transunion has disingenuously marked my dispute status as open. The items I disputed are not being processed on your dispute website and your representative told me to investigate the matter myself. This is unacceptable I will seek damages in court of law should Transunion continue to take an adversarial approach to this matter.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) or a Itemization of the alleged debt you have on file. I am NOT asking for verification an old address which does not satisfy the method of verification as required under Section 611 ( a ) ( 7 ). 

It is at this time that I will point out that in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could not " parrot '' information from the creditors and collection agencies. 

It is your JOB to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the information XXXX   submitting to your company. Sending out a generic form through the XXXX   and telling the consumer go fetch a resolution from the original furnisher is unconscionable, and is not a reasonable investigation. 

Transunion 's failure to positively verify the account has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery located at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX phone, XXXX. Has bought an account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and they are saying that I now owe {$1100.00} to the collection agency. This account was paid in full on XX/XX/XXXX in the amount of {$1000.00} and I have my debt settlement letter from XXXX XXXX XXXX as well as receipts showing the debt is paid. Southwest recovery is reporting inaccurate information. I have disputed the debt with the credit bureaus and XXXX is reporting the debt as accurate as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
The company keeps calling me repeadly. I have spoken to them on the phone and ask them to stop calling. they are calling me during my work hours and from then on. They get you on the phone and say imprper and unprofessional things. I dont owe this company anything. and i have asked them to stop calling both of my cell phone numbers. I feel like my rights of a consumer that owes them nothing is being violated. I have considered changing my cell numbers however they are both tied into my jobs. The company calls back to back to back and it's desturbing. Someone should do something about this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
As I was reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being XXXX XXXX ( Also known as/part of Continental Finance ). Yes indeed Ive attempted to rectify the issue on my own by initially disputing and requesting validation via the 3 major credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified It appears that these agencies aren't doing any type of validation but asking these creditors is what they've posted accurate and no one doing any real investigation. I then decided to contact them ( XXXX XXXX/Continental Finance ) directly on XX/XX/2018 ( letter of dispute requesting validation along with fax confirmation attached ) and to date, I've received no response at all. I attempted calling ( XXXX ) today for another fax # or to confirm that which I have and the young lady ( XXXX ) advised me there wasn't one she could give me. The fax number ( Fax : XXXX ) is indeed associated with their company. I have learned in my investigation they have several different cards/multiple company names and have had some legal issues as well having to refund customers an approximate $ 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 explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I may have done this before. My bank XXXX XXXX has been charging me overdraft fees that cost my account to close. Those over charges were so high that I couldn't pay them. When my SSI checks would come in, XXXX XXXX   would take out their money and leave me with no money at all. XX/XX/2018 is when some of these charges have happened not including other times that I do not have dates for but it's been an ongoing problem with this bank. I have closed out the account as of Friday XX/XX/2018 or possibly before that date. They have sent me a letter certified on XX/XX/2018 claiming the account was closed, and also emailed me not to contact them as I have been doing every day they do not send me my money back. They can contact me but they refuse to send me my refund. They were taking my SSI and using it to make me pay them and I think this is unfair. Now I have 2 bills that must be paid and I can not do it because they will not refund the money on a timely basis. I have charged them a fee of {$50.00} per day ( because they charged me on a daily basis ) and I want it now, that is today. Again they can send me letter but not the money they owe me.

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 2018-09-19 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: TX

Complaint narrative:
The way Navient has there student loan forgiveness plan set up, is to where if I make on time payments for 20 years with whatever amount Im approved for- the rest of my loans willl be forgiven. I applied for their student loan forgiveness plan and got approved for {$0.00} a month for 12 months. I took a few credit hours with my University and Navient let me know that I was back in deferment, even though I already had {$0.00} dollar payments. The way they brought this to my attention made it seem mandatory as if I HAD to have the deferment. I was never made aware or told that I could take this off and stick with my {$0.00} payment that was going towards my 20 year plan. My {$0.00} payment plan only lasted about 3 months I was told. If I wouldve been made aware or given the option to remove the deferment I wouldve been left with 19 years. I have already spoken with a Supervisor from Navient, but I received no help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I disputed before and these collections have once been removed and have now since been added back. I requested validation of debt and I have not receive anything. I also sent the letter certified to make sure it was received. I would like all the Medical Collections from XXXX removed from all my credit reports.

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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/17 I looked at my credit report online, with one of the free websites. I found another XXXX XXXX, who lives in XXXX, CA on two of the three reports. From the scores listed, my score is bringing hers down with XXXX and Transunion. Of the three reporting agencies, only XXXX  did not have the XXXX XXXX in XXXX. Today, I tried to notify them online but could not contact them with out signing up for something. I tried calling but got a robot and could not get a person. Her score makes mine look really good, in the 700-800 range. With out XXXX XXXX, my score is XXXX, not too bad and much more realistic. I am concerned that my score could adversely affect XXXX XXXX 's financial possibilities. I just want to straighten things out and have accurate information for both of us.

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 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
Evergreen Financial Services has had two different collection accounts with me. I paid one off in late XX/XX/XXXX/early XX/XX/XXXX, during which time I made clear they were not to contact me at work in regards to the second account I had with them. They had my cell phone and I let them know that was the best way to reach me. They've reached out via my cell on 2-3 separate occasions regarding the account I have with them since XX/XX/XXXX. On XX/XX/XXXX, one of my supervisors at work approached me to let me know Evergreen had called them looking for me. Upon taking the phone call, the agent, XXXX XXXX, claimed that " this was the number we had for you '' and that they were calling my employer. I let them know I had never given them permission, that this was a violation of regulations, and that they definitely had my cell phone since they had tried to call me a month earlier. I had also never disclosed this number to them, meaning they had utilized some other resource to find my work number. I informed them they needed to delete that number immediately and I would be filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Have been receiving phone calls and now collection letters about a unpaid Best Buy account over 10 years old. Calls saying they will garnish our pay or that were are going to be served papers to be taken to court.

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 2018-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
A loan was processed on my home without my signature

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 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
This company states that I owe money for an account and I am not familiar with business NOR do I owe any money.

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 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
I have never received written notification of a collection account which appeared on my XXXX credit report. I disputed the item with XXXX, and the item was deleted from their credit file on XX/XX/2018 as a result of their re-investigation due to inability to verify the debt. The same account has now been reported on my XXXX and XXXX credit files as of XX/XX/2018, and I have initiated disputes with the credit bureaus to have the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The account is a business account for a franchise fast food restaurant. Incoming credits are not being processed before outgoing debits are processed resulting in NSF charges. We are under the impression that checks are supposed to be processed from the least amount to the highest and that is not the order in which checks are processed. Additionally, if multiple checks are received at the same time or day and the total amount of those checks is over the balance amount in the account, the bank rejects all the checks instead of processing them up to the balance amount. This results in multiple NSFs charges from our bank. This is a huge problem for us every pay period ( we pay bi-weekly ). Employees checks  consistently get rejected by the bank because not all of the checks submitted that day can be processed causing multiple NSF charges from our band as well as from our employees bank.

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 monetary relief