vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC systems, Inc is attempting to collect on a alleged debt that I do n't owe them. Back in XX/XX/XXXX of 2017 they agreed to stop all collection attempts and remove all the negative items from my credit reports, however they are still calling and harassing me and the negative reporting is still on my credit reports. They are in complete violation of the Hippa law.

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 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This is in regards to an ongoing complaint with Bluebird by American Express. I received a check for {$560.00}, but there was a balance of {$800.00}, why did n't I get the whole {$800.00}.
cardholder XXXX XXXX  My name XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: GA

Complaint narrative:
XXXX XXXX XXXX, 2017. I called XXXX to settle this account, I was informed they no longer owned and had no.control. so I pulled up credit report and got the buyers information which was XXXX XXXX aka XXXX XXXX. I did a one time settlement amount of XXXX. It was agreed that accounts would be removed. The same account was showing twice. One under XXXX and other XXXX XXXX. I waited 30+ days to see if they were going to stick to their word and remove from credit reports. XXXX XXXX did. XXXX still to this day has the tradeline as charged off. Once they sold account they should have recused themselves and took it off. As they no longer owned the debt. I called XXXX XXXX to see why it was still showing under XXXX. They told me XXXX had falsely reported what happened with account. At first it just stated charged off. I proceeded to call XXXX in good faith after paying asking them to remove and change tradeline. This has went on since XXXX XXXX wo n't acknowledge the past debt at all. I 've paid the bill, when something shows charged off, it appears to others the bill was never paid and makes person trying to correct their wrongs look even worse. It also appears like they 're getting a tax write off/break instead of showing they actually got paid for selling the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
My daughter bought me a {$50.00} Visa debit gift card. It was misplaced and I found it the other day. I think it was probably from last XXXX. I tried to activate it, but I could not. I just now called the Visa number and spoke to a representative. She told me that there was a $ XXXX monthly penalty for not activating the card, so now by the time I found it, it was worthless. I thought the card would expire in XX/XX/XXXX.
My complaint is that Visa has taken {$50.00} from my daughter and returned essentially nothing of value. I do not think this is right.

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
Consumer complaint received 2017-08-01 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: GA

Complaint narrative:
Transunion customer service would not help and take care of the negative inquireies reporting on my credit.
XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX Page 9 of 13 Inquiries XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 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 2017-08-01 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: FL

Complaint narrative:
I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

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 2017-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I challenged the incorrect reporting on account number XXXXkhols/ Capital one have failed to report this account correctly after selling this account to a debt buyer.if the account was sold why is this company still reporting me late every month.i can not owe two companies.khols wrote me a letter which shows they sold the account and i have attached a letter that proves they still reporting me after they sold it..i have proof they taking away my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Purchase was made with XXXX XXXX which was not to suppose to charge my Chase Card nor Chase was suppose to charge me. This matter was well discussed and was going on months and months just to frustrate and not resolve by the facts and merits. I have a number of dispute with chase and they are very wrongful people they know it well as I know them well know, it is just out of way in the business due to the relation with these people. I will discuss in particulars of the matter when you get through and I I hear from you in particulars in written form that will be subject to discussion. Looking forward to hear in this respect. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
The diversified collection account was removed from my XXXX report and added back with not notice. It has not been removed and is still listed on my XXXX report. This reporting is not accurate and needs to be removed from my XXXX and XXXX reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CO

Complaint narrative:
I Signed With Global Client Solutions. Ran Across Your Court Case Dated XXXX XXXX, 2014 Where Global Client Solutions Illegally Collect Upfront Fees From Consumers.Also Consumers Ended Up Deeper In Debt Than When They Started. It Started With XXXXXXXXXXXX XXXX XXXX XXXX At ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Florida XXXX An Notery Public To My Home ( XXXX XXXX ) To Sign Papers. She Said Is An Independant Notery Pubic And Did'nt Use A Notery Stamp. We Never Received Any Paper Work From XXXX XXXX. I Noticed There Was Up Front Fees Of {$100.00} For 9 Months.I Called XXXX XXXX And He Stated It Would Go Into A Trust Fund And All My Credit Cards Would Be Paid Also. The Up Front Fees Were Going To ( XXXX XXXX XXXX XXXX ) At XXXXXXXXXXXX ( XXXX ) XXXX The Main I Reason I Caught This Was XXXX Never Gave The Name Of Who Was Going To Withdraw The Money From The Bank. That 's When Researhed Global Client Solutions. ( Total Enrolled Debt : {$10000.00} ) ( Estimated Program Length : 32 Months ) ( Monthly Payments {$290.00} Date : XXXX ) My Name Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX. Phone # XXXX. Last Question Am I In Deep XXXX? Also When You Multiply {$290.00} X 32 Months Comes Out To {$9300.00} Not {$10000.00} Where Did {$1200.00} Go? I Need To Know If They Are Legit! Help Please

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Receivable Recovery Services, LLC
State: SC

Complaint narrative:
This company license has expired and they are reporting on my credit report. In order to collect you need a license that 's not expired. I 'm requesting they remove debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
A company from American Express has been calling me on my cell and my home phone number repeatedly every day to collect a payment. I do not have money I recently lost my husband and I have just enough money to live by and pay whatever medical bills I have. I live paycheck to paycheck and I ca n't afford the money they want they keep on requesting a big amount. To make it worse they outsource to XXXX and you always have a XXXX talking to you and you ca n't understand them half the time. This gentleman made me very upset and down. Please help me to stop calling me or get a American talk to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation
State: NC

Complaint narrative:
XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Acct # XXXX This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$750.00}. I have never called you and said I could n't pay as a matter of fact you all sent me a letter said you " will not response to anymore more of my credit clinic letters ''. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: IL

Complaint narrative:
Paid off mortgage XXXX XXXX,2017. As of XXXX XXXX, 2017, have not recieved funds paid in excess of payoff amount. American mortgage withdrew mortgage payment 10 days after mortgage was paid off. Waiting now 39 days for deed and funds owed to 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 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX XXXX, 2017 we received an escrow review statement from our mortgage servicer, Wells Fargo. The statement showed that our escrow account was below the acceptable amount and that we either had to pay {$1400.00} upfront to bring our escrow account to the correct balance or our mortgage payment would increase from {$1700.00} to {$1800.00} a month. When we received this escrow review statement I called Wells Fargo the same day to figure out why it was increasing so much. The person I talked to said they will have to look into it and get back to me in a few days. On XX/XX/XXXX I received our closing disclosure and our account activity from Wells Fargo where they tried to explain the issue. From looking at the documents I was able to figure out the issue was they missed doing the initial escrow deposit on our account at the time we closed on our house. I was transferred to an customer service agent who could help me. On XX/XX/XXXX I again tried to call and figure out if they could correct the issue. I even brought in the person who was involved in the closing of our house from XXXX XXXX and she too told the Wells Fargo representative where the issue was. The person was unable to fix the issue and said they needed to look into it some more and would give me a call back. I never received a call back from them, but a call from XXXX XXXX on XX/XX/XXXX, he had helped me on a previous issue I had with Wells Fargo. I sent him all the information I had and he was able to get someone higher up, XXXX, to look at the account. On XX/XX/XXXX I asked for an update on the issue and I was told it was still being looked into and that multiple departments are working with this but they thought it would be resolved on Friday XX/XX/XXXX. Since that time I have received no new information and nothing about when or how this issue will be fixed and we are currently paying the {$1800.00} fr our 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 monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX, my husband XXXX XXXX XXXX and myself decided to revise our XXXX XXXX XXXX. XXXX deposited {$25000.00}, and began the revitalization process. Unfortunately, XXXX became ill and quickly his health deteriorated. On XX/XX/XXXX, XXXX passed away. However, XXXX never had the opportunity to get my name added to the account. I contacted PNC on several occasions informing them of the death and that the company would be ceasing preparations and would remain inactive, therefore I would like to close the account. I presented the original Articles of Incorporation for the company, which was established in XX/XX/XXXX. I presented XXXX death certificate, estate filing records, account information and all bank information. I was able to get all information except deposit information from XX/XX/XXXX, when he received a major deposit from VA XXXX. I needed this formation is to verify any monies not accounted for! I spoke with the manager at XXXX XXXX, Md PNC and the office of the District Manager of the XXXX area, each promised a return call, however, I should not call them back! I never heard from either office!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: NV

Complaint narrative:
Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a zero a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XX/X/17 - I called them to start payments on the amount owed of {$590.00} - they are asking for payment of {$800.00} - they are adding a fee of {$200.00} - is this legal?

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 2017-08-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a XXXX a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. 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 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, It appears that the credit bureau is still reporting account listed as XXXX XXXX ( XXXX XXXX ) as open. Account has a XXXX a balance and company agreed and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. 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 2017-08-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I have a Reverse Mortgage with : Champion Mortgage out of XXXX Texas even thou I live in XXXX Colorado. Their address is XXXX XXXX XXXX XXXX and they are at XXXX TX XXXX. Their customer service # is XXXX My account # is : XXXX. They have missed the distribution of payment today ( XXXX XXXX 2017 ) of {$1200.00} and after I called they said they had a computer glitch and that I would not receive distribution till XX/XX/XXXX. They also said I would get an additional interest payment because it was late. I have had this happen before with the other mortgage company and it was a 10 % fine and not an interest payment. Which is it?? My address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and my home phone is XXXX. My email is XXXXXXXXXXXX. Thanks In Advance for your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$620.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX {$9.00} I have filed multiple claims with Regions Bank theat the above transactions were unauthorized. All these transactions were made in a different state from when i live. They refused to refund the money to my account, stating I was responsible. I have filed a police report and sent Regions Bank supporting documentation. I was awarded a temporary credit but not for the 3 largest transactions.

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