vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
My credit report has been questioned and ruined because of a XXXX service that I utilized in XX/XX/2015. XXXX charged me around {$2800.00} excluding my XXXX insurance coverage of {$1200.00} annually. XXXX took care of my {$2800.00} payment and I paid XXXX $ XXXX $ XXXX monthly for 12 months. I was only aware of these expenses. My insurance denied last payment to XXXX because XXXX provided me with some XXXX services that I never agreed to have and they never got a signed agreement for me to pay anything extra. I have documents attached to evident my statement. I also want to request investigation. XXXX has ruined my credit score and put me to AWA collections on annual credit report. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: United Check Recovery Bureau, Inc.
State: SC

Complaint narrative:
I had a loan that I defaulted on because of an unforseen circumstance in my finances. I never heard anything from the company. Then last week my Dad gets a call telling him they are going to turn me into the IRS and got him all worried. When I called them they threatened me. They said they were going to take my car, garnish my wages, have me arrested, and file with the IRS. One way or another they were getting there money. I was bullied into making Payment arrangements with them. They emailed some document to me but I could n't open it up without signing it first. Ithe was just telling me I was making payments to them for the next 24 months of what they said they would only take. I still up to this point had nothing in writing from them of the debt or amount owed. Then they started calling my work and even left a message on my bosses phone wanting to take my wages. I asked them not to contact me at work. They still called my work. I sent them in writing and called several times asking for themail to mail me paperwork. They said they did back in XXXX but last week they said they did n't have my address. I have checked and there is no Judgement filed against me to do with this debt. They belittled me by calling me names, telling me what I needed to do, and bullied me with threats. I made my boss and HR department aware of everything. I called the bank that holds the note on my car and even told everyone that gets a call from them about me to block their number. It has become way to much to deal with. My XXXX has peaked and now my health is taking a toll already because they wo n't stop with the threats and it has only been. A little over a week. The company is United Check Recovery Bureau , Inc. I never get the same person on the phone and they keep bouncing me back and forth with the person they claim holds my account. They are mean and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Repeated unwanted robocalls to government work number where several people have access. This message indicates the call is regarding debt collection " This is an important message from Transworld Systems Incorporated, a debt collection company. This is an attempt to collect a debt, and any information obtained will be used for that purpose ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An account was disputed and removed In XX/XX/2017. it was reinsrted in XX/XX/2017. I do not owe XXXX, XXXX has not supplied any validation of amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax continues to report this erroneous, unverifiable, inaccurate account on my credit report. I have disputed this account ( XXXX ) with this bureau on 4 occasions and each time it was verified. In XX/XX/2016, I disputed this account with XXXX XXXX XXXX, XXXX, who at that time was reporting this item. I received this letter from them in XX/XX/2016 where they indeed stated that they had submitted a request for each bureau to remove this item. It is now XX/XX/XXXX and Equifax is still reporting this item. Additionally, how are XXXX collection agencies attempting to collect this same debt. Equifax is allowing XXXX XXXX and XXXX XXXX to report. That is against the law. XXXX collection agencies may not attempt to collect on the same debt. This bureau has been relentless in reporting and updating my credit reports. These accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXXXXXX XXXX XXXX, 2017 Dear : Consumer Financial Protection Bureau I 'm seeking assistance concerning my home equity loan with Bank of America. 
They 've changed the terms of the original signed contract between us without my consent, because I would not sign papers placing the Bank from a loan originating in XXXX 'to a lien position regarding my property years after they discovered on their part they 'd not done due diligence and grossly neglected to process the loan correctly. 
Then threatening and using bribery tactics which they carried out. Causing me financial damages including not issuing my XXXX interest deductions for the HELOC. As they 'd done previous to them realizing the mistake. 
I 've tried contacting the appropriate department within B of A for years now including written correspondence ( copies included here ) To which they responded with a generic form letter that has nothing to do with what I was requesting. 
I 've included, with this correspondence to you copies of my letter to B of A and the original letter they sent me regarding this issue. And other copies. 
Please help, as I do n't know what or who else to contact at this point. 
I 've always made my payments on time, never been late regarding this loan. And am current to date. 

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 2017-03-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2015 I was entered into the care of XXXX. This of course came with some bills, the one I 'm disputing is in collections for a total of {$3400.00}. I do n't even know what the charge is for specifically or the amount and can not find the information anywhere. Every other charge I incurred during my hospital visit was covered by my insurance company at the time, XXXX. I had had the insurance since XXXX, and I have the payments to prove it. I was told by XXXX customer service on several occasions to give them time to send the payment over to the collection agency or the hospital asking for the charges at the time. They later changed their story and said they were no longer going to pay, even though during 2015 and at the time of the hospital visit, I was paying a premium of {$570.00} every month for the Silver Deluxe AX plan. I 've had insurance with them for 2+ years and they left me in the dark thinking they were going to cover what they agreed to and what I 've been paying for but they did not. And my debts have now been sent to collections. I know that these debts are not to be paid by me, but by XXXX, I have been paying my premium for a reason, it 's their debt NOT MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC
State: WA

Complaint narrative:
Received a phone call from XXXX, WA ( XXXX ), along with a voicemail from " XXXX from Summit Receivables '' stating that they " had completed their review '' and were preparing to submit their " report, '' but that we had the chance to work things out with them " on our own. '' They left a different number to call back - ( XXXX ) XXXX. I have a credit score of XXXX and no outstanding debt. This was clearly a scam. They never mentioned my name, our address, report number, claim against us, etc., and we have received nothing through the mail ( as required by law ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
on XXXX I financed a new XXXX pickup from XXXX, in XXXX ca. The salesman also sold me GAP protection, stating that if anything happened to the vehicle on a total loss that GAP will pay the outstanding balance. on XXXX I suffered a total loss of my XXXX XXXX pickup. I notified my insurance company, and Ally the finance company of the total loss. Ally stated verbally that the account was now frozen and would be in contact with the insurance company. My insurance company XXXX, settled their claim in the amount of XXXX, GAP was contacted and the process was started and all outstanding service contracts were refunded to the lender and noted as refundable items in the amount of XXXX. GAP determined the balance at the date of loss was XXXX after settlement and other credits the remaining balance would be XXXX upon conversation will Ally they stated verbally on the phone that everything was taken care of and they were in communication with GAP and that the account was paid and closed. During this time ALLY has reported me as late during my loss, then as current after they received the insurance payment, but never removed the late marks. Then at a much later time My credit report gets dinged again for late payments in XXXX thru XXXX as 120 days late. after many phone calls to resolve this matter nothing has happened, other than my credit getting ruined, I can not buy a house for my family to live in and all of my creditors have severely reduced my credit lines and have tarnished my reputation as a person and as a businessman, who relies on excellent credit to operate my businesses.

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 2017-02-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We were denied a mortgage refinance from Ditech because on one of our Credit Reports was showing an incorrect home with XXXX, We attempted 3 times to get this corrected and with no luck.We asked to remove any/all fraud alerts and ant/all consumer statements. This is why Ditech /XXXX rejected our refinance application. Everything else was good to go.

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 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I sent the the attorneys, XXXX, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of Experian, XXXX and 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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, XXXX and Experian are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. XXXX has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with XXXX of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form XXXX offers for consumers to make requests to update their credit files will not allow for the full XXXX word Personal Statement, as mandated by Federal Law. Meanwhile, Experian similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that XXXX and Experian would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of XXXX words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My debt to income ratio is grossly incorrect. Most of the debt is mortgage debt and does n't account for rental income. With rental income included, my debt to income ratio should improve dramatically.

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 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with XXXX XXXX in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by XXXX XXXX stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, Midland Funding collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping Midland Funding from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2017 I contacted Experian Credit Reporting for the purpose of checking on my credit score. I was charged {$1.00} for this service but was still not able to obtain my score. Hidden in the small print is an agreement that if I did not contact them within 7 days to cancel my " membership '' I would be charged {$21.00} per month. I realize now that I should have read all of the small print. I believe their website is deceptive by not prominently displaying this information so that customers can easily read it. After discovering that my credit card has been charged {$21.00} for the past two months, I quickly contacted Experian and cancelled my " membership '' which I did n't want in the first place. I believe that they purposely make their website deceptive by offering a {$1.00} fee to rope unsuspecting people like me into a membership.

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 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On Friday XX/XX/XXXX I deposited XXXX ( several checks ) into my business account at citizens bank in XXXX inside of XXXX. The bank deposited XXXX some odd dollars instead of XXXX. Right away I went to the teller and said you gave me too much money. He said it was friday and to come back monday and we could remove it. I went back monday it was n't there, tuesday it was n't there. Thursday I went back and to my suprise they withdrew the money ALONG WITH MY DEPOSIT. Now if i would n't have checked they would n't have told me??? If i would have kept that money it would be theft. Why were they allowed to take MY money from MY account and NOT notify me?? They still have NOT given my money back. they told me I had to go back saturday to fill out paper work??!!! to get MY MONEY? And from there it could take days. I want to file a complaint as they were not permitted to go into my account. how many other peoples accounts do they do that with???? I consider this theft and want my money. I should not have to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage is the servicer of my loan. Wells fargo Home mortgage has given me the runaround with the process of approving the short sale of my home. Wells fargo Home Mortgage has kept me in the dark about the status of my Short Sale request. Wells Fargo Home Mortgage has burdened me with excessive paperwork. Wells fargo Home Mortgage has have me filled out excessive number of documents. Wells Fargo Home Mortgage keeps on telling me that they did not received the paperwork after I sent them multiple times in multiple ways ( email, fax ). Wells Fargo Home Mortgage Employee in charge of the file when on vacation for about two weeks leaving everything on hold. When wells Fargo Employee returned from vacation, Wells Fargo Employee issue a denial of short sale letter. Wells fargo keeps on giving me the runaround.

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