vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orion Portfolio Services, LLC
State: PA

Complaint narrative:
Complaint Details : This complaint is in reference to a debt that is more than 7 years old and was written off in XX/XX/XXXX. I contacted XXXX ( company that handles credit reporting for Orion ) back in XX/XX/XXXX and spoke with XXXX and had an issue with her not being able to advise the history of this debt. How can you collect a debt only using the final bill with no billing history? Since then, I contacted the XXXX and the FTC regarding fair debt collection practices as XXXX could only advise the debt was valid, but could not advise how? In correspondence with the FTC, representation from XXXX advised the debt was charged off in XX/XX/XXXX ; meaning it should only remain on my credit report for ( 7 ) years with no money due. I called XXXX on XX/XX/XXXX and spoke with XXXX and XXXX and it was advised that the debt was written off. I called XXXX and spoke with XXXX, escalated the call to XXXX ( her manager ) and they all kept me on hold for over 45 mins with no resolution and much argument. I called back and spoke with XXXX and was advised of my account number. None of the reps could provide me with the history of the account, but I paid it as I'm in the process of purchasing a home and this has negatively impacted my credit report. This account has not appeared on my credit report since XX/XX/XXXX and only two bureaus are reporting this debt. This is against my rights as a consumer to report a debt that is more than 7 years old and I plan to escalate this as no rep could provide me with the history of the debt and only mailed me a statement of the bill with NO explanation of charges ; see attached. When I last had a home phone, this account had credits applied and there was a ( XXXX ) balance. Shouldn't the purchaser of the debt furnish the history along with the bill as part of the debt collection practice. Although I paid this, I am seeking an explanation of charges and for this to be removed entirely from my credit report effective immediately!!!! How can you ask for money and not know how the balance came to be so??? All I received was a bill from XXXX ( attached ) with NO explanation for account # XXXX. No one could provide me with the accuracy of the amount due and kept making false statement regarding the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Reopening case # XXXX and XXXX. Please note that the company has not delivered on anything that they promised on XX/XX/XXXX. I just checked my credit report today ( XX/XX/XXXX ) and they have not removed the delinquency from XX/XX/XXXX to XX/XX/XXXX. I also never received the relief amount ( though I don't care about that ). I would rather that they stay true to their word and remove the delinquency that they promised. You have the proof from their last reply.

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 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
- For XX/XX/XXXX statement, substantial amount ( {$3800.00} ) of payment was made, posted on the account and immediately US Bank decrease credit limit without notifying me in advance ( from {$20000.00} to {$18000.00} ) which resulted in failure to make an important purchase. 

- US bank stated that mail was sent out ( notice of credit decrease ), but never received. 

- I have been US Bank Credit Card customer since XX/XX/XXXX, always had good standings on the account and this is the first time they ever decreased credit limit.

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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services
State: WA

Complaint narrative:
On XX/XX/XXXX I asked for both a security freeze to be placed and also a request for my full credit report disclosures, as i have read before this company seldomly likes to comly with FCRA guidlines, so i no ask the CFPB to help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
From XX/XX/XXXX to present, they have called repeatedly after I requested them to stop calling. These include two phone calls at XXXX on XX/XX/XXXX and XX/XX/XXXX. They also have made false and misleading statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
From XX/XX/XXXX to present, they have called repeatedly after I requested them to stop calling. These include two phone calls at XXXX on XX/XX/XXXX and XX/XX/XXXX. They also have made false and misleading statements.

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 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Capital Accounts. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I am requesting the financial outline to submit a full modification package to XXXX XXXX XXXX dba Mr. Cooper, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am requesting the financial outline to submit a full modification package to PNC Bank, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX I was looking to purchase tickets off of XXXX for XXXX XXXX XXXX vs XXXX XXXX on XX/XX/XXXX. I found tickets I wanted. Each was {$120.00} and I went with 2 for {$240.00}. I texted the number in the ad XXXX, the seller provided screenshots of the tickets he claimed to have. We agreed I would send the payment and he would transfer the tickets electronically. All seemed normal and asked for the payment to be made through XXXX. I've seen the commercial with the guy buying lemonade off some girls on a walk so I thought, Why not this should be straight forward enough and chase would have my back since they advertise it. His email was XXXX and name was XXXX XXXX. Payment was made at XXXX pacific time, after 20 minutes no email or anything. Surely enough I was scammed. I called chase by XXXX and they turned me away. I literally asked " so does chase or XXXX not offer any protection '' customer care said " no I'm sorry have a good day ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I post sublet for someone to stay in my place. One woman named XXXX XXXX wants to stay in my apartment. She supposed to send XXXX  but She sent extra XXXX on her check. She said I need to give the rest money to the delivery guy who will send a rent car to my place for her. I deposit money in my bank, Bank of America. I transfer the extra XXXX to the delivery guy she asked through XXXX, the online money transfer. Once the money has been transferred, she cancel the check from her bank. So now I have XXXX minus on my bank because the money I sent has been processed but the money I got from check had been canceled. And XXXX does not answer or reply my messages anymore that the check has been canceled.

I called BOA right away, but they said they can not cancel the XXXX transaction because the money is already transferred to them. If they " can cancel '' the check that BOA already " approved '' and I already " got '', they " should cancel '' the XXXX  transection that could be done by the check that BOA approved!

the information about where I sent {$3000.00} by her request : XXXX   Name : XXXX XXXX She asked me to sent the last {$1000.00} to someone else through XXXX XXXX  or XXXX XXXX, because it was not processing.

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  GA, XXXX her information is Name : XXXX XXXX email : XXXX   phone : XXXX XXXX XXXX The check I got from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN , XXXX XXXX XXXX XXXX XXXX  MN, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: FL

Complaint narrative:
I have updated my personal information with XXXX the Credit Bureau constantly to make sure that if there is any debt in my name I am notified in a timely fashion. After paying for a membership to continuously monitor all activity in my credit reporting, I am seeing a company by the name of XXXX XXXX who is reporting a Medical account in Collections. The total amount is {$220.00}. I have XXXX XXXX XXXX XXXX and I also have XXXX XXXX as insurance companies. I am not aware of any service that I was treated for and resulted in a debt to any medical facility. I have not received any mail concerning this account or a phone call from the collections company who currently has the debt. The collections company is SYNERPRISE CONSULTIN XXXX XXXX XXXX, KS XXXX. I have tried to contact both companies so I can receive a letter of validation concerning the debt. I have had no luck in doing so. I am requesting proper notification as this account is now reporting as 2 years and 2 months old but it is the first time I have ever seen it in my credit history. Needless to say it is negatively affecting my credit worthiness as XXXX XXXX continues to report this debt. A debt that I have not been notified about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had been going back and forth with Wells Fargo home equity servicing, which had resulted in a notice of default being filed back in XX/XX/XXXX. when I received notice. i immediately contacted them to request for reinstatement and requested for a payment history and breakdowns due to the fact that it seems that they had the accounts mixed up and they would state that they have their research depart looking into my case and it took more than 2 months to provide the requested documents which turned out to still not be understandable breakdowns which didn't further break down my payments and what junk fees that were not disclosed. which after all of this. I was finally provided a statement in XXXX which is a completely revamped format which provides better breakdowns. but still does not break down charges from initial payments that I had made for the beginning of my repayment process in XX/XX/XXXX till XX/XX/XXXX. for a Fixed heloc. so now after being exhausted with the back and forth over 40+ calls I still think that they owe me for overpaying to reinstate my heloc.

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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is what I keep getting every time I try to open up a bank account do anything financially Equifax is responsible for the mix up Dear XXXX XXXX XXXX, Thank you for choosing XXXX for your financial needs. 



A review of your application indicates there is a Fraud Alert notation and or Security Freeze on your credit profile. In order to proceed with the application the following information is required : O Placement date and expiration of the Credit Freeze or Alert O Address Verification- copy of utility bill dated within 90 days. 

O Copy of Drivers License ( front and back ). 



We appreciate you taking the time to provide this information. You may fax the requested documents, Upon receipt of the requested documents your application and documents will be reviewed, and you will be notified via email of the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
All my information was in correct and i'm a victim of Identity theft.

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 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I never received a letter stating I owed XXXX $ to XXXX XXXX. The total in collections is {$940.00}. I tried calling Harris & Harris and they state they mailed out the medical bills I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
This is not my debt to pay I was never in the hospital

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 2018-03-20 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: CITIBANK, N.A.
State: WA

Complaint narrative:
My XXXX 's credit card starting with XXXX was opened XX/XX/XXXX. 

Ever since opening the account, I have had issues getting paper statements as well as paperless statements sent to me. A XXXX 's store associate informed me on XX/XX/XXXX that I need to make a payment and as soon as I got home, I made a payment. I wasn't even aware that I had a XXXX 's balance. I didn't get any calls, any letters in the mail and all my emails from XXXX XXXX XXXX were going to my " spam '' folder which I only discovered after the fact. 

My credit reports reflect late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

SSN 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 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
I dont know this company XXXX, I just learned of this when it was added to my credit report on XX/XX/XXXX, I never been to this hospital and dont owe anything. I have medical insurance and never been to this place.

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 2018-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.

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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.

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