vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I had sent a letter, which was delivered on XX/XX/XXXX by certified mail, to Commonwealth Finance regarding an entry on my XXXX, XXXX, and XXXX credit reports and requesting proof and validation that an alleged debt of {$360.00} from XXXX of XXXX belonged to me along with documentation that I have a legal obligation to pay, in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692g Sec. 809 ( b ) On XX/XX/XXXX, I received a letter from the aforementioned company dated on XX/XX/XXXX, verifiably after the 30 day requirement to produce consumer requests established by the Consumer Financial Protection Bureau ( CFPB ), which was accompanied by a supposed bill that provided neither proof of ownership nor validation of the alleged debt. 

Copies of my initial request of validation with certified mail receipt and the company 's tardy response are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Its been 3-5 months and I only received a response that the debt been verified. I want to know who verified it? By law in 30 days debt is suppose to be remove if not verified

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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
XX/XX/2021 amount taken XXXX dollars they say will be posted in 3 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/2021 This is a total nightmare and I am not all HAPPY WITH HOW COMPANIES OR THIRD PARTIES ARE HANDLING MATTERS WHEN THERE IS A LAW IN PLACE ABOUT MEDICAL DEBT. 

1. I constantly review my credit report now and from day to day something is ALWAYS changing I received mail a few years back saying my information had been compromised by a hack source with XXXX  and XXXX  ... so I was part of the civil suit that resulted in compensation.

2. I do not used my credit and when I am alarmed that something has changed I do my best to respond. But when I am not properly informed and have to spend countless hours to constantly fix or contact an agency about debt, collections or proof of a burden that the companies fail to respond, prepare, or observe the facts before sending out mail relying on consumers incompetency hoping to collect on a debt this is where I DRAW THE LINE. The evidence needs to be proven instead of this monopoly game of non compliance and reactions. 
I DEMAND PROOF not bills, incorrect information misspelled names, skip tracer information that is not reliable, relevant, or giving consent, release form of HIPPA. This constant back and fourth of an up hill battle is CRAZY. 
3. Credit Collection Service of Norwood , MA has several accounts that are tied to two different names XXXX XXXX  without a S and XXXX XXXX with a S both could be anybody .... the burden of proof is on the companys not the hardship of the consumer. This is ridiculous I sent a letter of validation to CCS on XX/XX/2021 certified XXXX and received a Health Insurance Claim Form XX/XX/2021 with no signature of my handwriting, or the physicians this form has a signature but it is not the physician XXXX XXXX XXXX signature. I went to his office on today and presented this paper that I received. I DEMAND THIS COLLECTION TO BE DELETED IMMEDIATELY DUE TO VIOLATIONS OF THE HIPPA LAW NO CONSENT RELEASE FORM OF MEDICAL RECORDS. There is no itemize records for me to verify procedures or a bill that I received of request of payment. Just a mess!!! 
Next steps are seeking an attorney of punitive damages and unnecessary stress this causing a major headache. 
XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Early last year I saw a hard inquiry on my credit reports stating someone had attempted to open an account with Wells Fargo financial services for a credit card. This was not me. I contacted the credit companies, as well as Wells Fargo, and put a fraud alert on my account. I filed a dispute with the three credit bureaus asking for the information be removed. The credit bureaus state that they merely relay information provided by banks, and I must take it up with the banks. 
Later, this happened again, I had a inquiry stating that an account was attempted to be opened with XXXX, through XXXXXXXX XXXX  This time I repeated the steps, and filed a police report on the matter. I sent all materials including the police to he credit bureaus, who again told me to take it up with the bank. I contacted Wells Fargo, and XXXX XXXX  who have now been jacking me around for a year, with proof and fair notice of identity theft and that they are reporting fraud on my credit report, and a sworn affidavit of such from me. 
In particular, Wells Fargo has now sent me a third request asking for my account numbers and things I already sent them. I spent an hour on the phone with Wells Fargo describing the circumstances, emailing the items and the police report to the supervisor on the phone, then a month later they want to know something more and have me re-send the same information again? 

Wells Fargo is now participating in the fraud by deliberately stalling fixing their error.

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX we ordered a drafting desk for our daughter as a XXXX present. The item got lost in the mail according to XXXX and they refunded us on XX/XX/XXXX. On XX/XX/XXXX XXXX made an unauthorized 2nd charged for the aforementioned desk. I contact XXXX on XX/XX/XXXX and explained the situation. The customer service representative said that is was an error that I was charged a 2nd time and that I would be refunded. On XX/XX/XXXX I contact XXXX again and this time a different representative stated that I needed to dispute with my FI if I want a refund. I contacted PNC XX/XX/XXXX to file a " Non-Receipt of Goods/Services '' dispute. I contacted PNC about 3 weeks later to check on the dispute as I had not received " Provisional Credit '' in 10 business days. I was told that it was being worked on. I called again in the beginning of XXXX. I was informed that a letter had been mailed out to me via USPS and I would need to reply to it before XX/XX/XXXX. I then called 2 other times during those following two weeks seeing if I can obtain another copy of the letter since I have never received it in the mail. Both times the rep told me I needed to wait for it to arrive in the mail. On the XXXX of XXXX I called and explained again. Finally a rep was able to get a rep to have a branch provide me with one. The same day XX/XX/XXXX that I received the letter I faxed back to them a response, as well as, documentation showing that the item was not recieved and the refund receipts even states " YOU CAN KEEP, DONATE, OR DISCARD THIS ITEM ''. I then followed up again about a week later and spoke with a woman who said that they are still working on it. I called today and was told the same exact thing. That it will be 90 more additional days to the completion. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Its been 3-4 months and they only response Ive gotten was the accounts been verified. I want to know who verified them. By law after 30 days of no verification the debt has to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have been trying to resolve this issue since getting notice that it was on my credit file. An account from XXXX XXXX for over {$2000.00} is in my name. Now I have never had a XXXX XXXX account Ive been with T-Mobile for well over 7+ years. I notified Jefferson Capital systems to send me the deb collection in writing so I could take the proper steps in getting it removed. The account used my personal information but has an incorrect address. After telling that to the debt collector they told me there was nothing they could do and offered me a {$840.00} settlement amount to remove it from my credit file. I then pulled my entire credit file to find numerous incorrect addresses spellings of my name and also 2-3 filings from the same company in different amounts. I have already gone thru XXXX XXXX in terms of a dispute in the past but everytime it comes off Jefferson Capital just files another collection for the same bill. I would like to have this fraudulent account removed from my credit file. The only address that should be listed is the XXXX XXXX XXXX address. Any other address shown is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, On XX/XX/2021 Initiated a live chat on American Express 's website and request to transfer XXXX points to my linked XXXX airline account. Upon agreeing to the disclosure, the points were successfully transferred. However, upon viewing the activity page I noticed the agent accidentally transferred XXXX twice, without my consent. 

I attempted to be reconnected to the same agent, but was unable to reach her. I opened a case with the Rewards Department the same day, and they reached out to XXXX to request for the points to be returned as an exception due to their error. XXXX responded on XX/XX/2021 confirming that all points transfers are final and can not be reversed. 

As I've mentioned to several representatives, I don't believe XXXX should have accepted the request to reverse the points transfer. American Express needs to recognize that there are policies in place for a reason, and once a transfer is submitted it can not and should not be reversed by the airline, regardless of whose mistake the transfer was. 

I am asking that American Express take responsibility for their error, and credit me XXXX rewards points as these were removed from my points balance without my authorization and placed into an airline account which I have no intent on flying with in the next few years, prior to miles ' expiration. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company

Complaint narrative:
Freedom Mortgage Corporation has unrealistic wait times for mortgage payoff statements. They require 10 business days and if any information is missing from the request they do not contact anyone they just do nothing. Then when I call to follow up after 10 days they tell me the signature isn't dated and the 10 day process starts over. This has caused many of our clients to be unable to close on their sales due to this practice.

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 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I refinance my home located at XXXX XXXX XXXX XXXX CO XXXX back in XX/XX/2019. I have made all my payments on time until I was told that my escrow account was negative $ XXXX. I called my mortgage servicing company and after many hours on the phone was told that I was doubled charge for my hazard insurance. Then I was notified by the county that my taxes for the previous year were never paid. I sent the notice to the servicing company and was told that someone would get back with me with a resolution. I never received a call back and now my credit reflects an increase of $ XXXX to my loan balance. I called the servicing company again and still no resolve. 

The mortgage company information is listed below. 

Shellpoint Mortgage Servicing NewRez LLC dba Shellpoint Mortgage Servicing XXXX XXXX  XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX My Loan ID : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX I disputed this because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. I didn't open this account. I disputed this with XXXX XXXX and Transunion, yet it has not been removed or resolved.

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 2021-04-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! Bureau has refused to investigate this negative account on my report. 
2. XXXX XXXX Account Number : XXXX I was never late on this account, NEVER, please remove late mark on status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit Reports, a Collection Account, posting wrong information that is not mine. Experian allowed XXXX XXXX XXXX to post information that is not mine, negatively damaging my credit score. Contacted Experian, and they basically told me that I have to fix it myself before removing from my credit report. Contacted XXXX XXXX agency, and no one answers, you just fill out an online inquiry for call back. The wrong debt posted to my account was for XXXX services to someone and to an address that I've never lived in. XXXX basically gave me no options for resolution, other than fill out another online inquiry. 

Fraustrating to a Customer that strives for good credit, get wrongfully put to a collection agency and afftects my credit score, and lives my no good option to resolve.

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 2021-04-12 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX XXXX 's report listing XXXX XXXX as the thief. Also attached is XX/XX/XXXX XXXX XXXX XXXX and XXXX Conviction for credit card abuse. The conviction was one of my cards as referenced in documents. Also attached is her XXXX Mississippi arrest for false pretenses, forgery, credit card abuse. This should be important to Discover. It reflects how she had impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a my fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I have had an auto loan with Global Lending LLC since 2016. When making extra payments, their website doesnt allow you to pay principal only and claims any payments over the amount due each month goes to principal. I recently found out that this is not the case, and my extra payments over the years was not going to principal. I was made aware of it this month when I made a much larger payment than usual and it was applied to future payments. They corrected that payment but are refusing to correct the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MI

Complaint narrative:
Tranunion refuses to report up to date balances and account status of my report. I have contacted them, multiple times, letting them know that the balance that they are reporting and the late payments are incorrect but they do nothing about it and it is a pure violation of my rights as a consumer.

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Years ago ( approximately 10 ), I applied for and received a credit card. The card was paid as agreed. I got married and notified the credit card company of such letting them know my name was now " XXXX ''. Unfortunately, when the card arrived, it read, " XXXX ''. I called the company and asked that it be fixed. I was told they couldn't do that and that I would have to answer several " personal '' questions before they would discuss it further. While I was willing to answer and personal question they may have, I was not ( and still would not ) answer the questions they posed : " Name one of your next door neighbor 's last name, '' " What is the first name of your neighbor living at xxx XXXX XXXX, '' etc.. 
These questions were about others and not about me and I'm not willing to disclose other people 's information. Therefore, I paid off the card and then cancelled it stating the reason why. Unfortunately, this has not been the end of the story. XXXX has continually refused to report my last name correctly on my credit report. It is listed as XXXX, which precludes me from ever getting a free credit report or speaking to anyone at XXXX because the information I insist is correct ( and is ), they say is not. I have notes dated XX/XX/18 @ XXXX XXXX that I spoke with XXXX, an Equifax rep via TrustedID at XXXX. I explained the issue and that I could not get online with Equifax due to the surname issue. She said she would correct it and change it to the corrected surname of XXXX and that she would also include a consumer statement. The Confirmation # XXXX. Needless to say, this is still not done and I can not get onto anything related to Equifax ( I no longer have access to TrustedID ). Please make them change my last name to the proper spelling and REMOVE all references to the incorrect spelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I voluntarily surrendered my vehicle to the company around XXXX XXXX after a couple of months I found out that the vehicle was sold but the company sent me a remaining balance. However, instead of giving me time to pay this balance, they reported the account as charged off when it should at least still be opened until I pay the agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: NV

Complaint narrative:
Since 2019 I have made payments through a nonprofit debt repayment program at XXXX XXXX XXXX XXXX. When I entered the repayment program ; a proposal was sent to this company Klarna to resolve this debt. The agreement provided for a reduced interest rate 10 % and a modified monthly payment. 

With this agreement I show a current balance owed of approximately {$450.00}. Klarna claims I owe {$600.00}. 

I am unable to speak to any representative regarding this matter. No representative can or will answer questions or seems to have any knowledge of the agreement. 

I am attempting to resolve this debt according to the agreement of XX/XX/2019.

Company response to consumer: Closed with explanation