vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NC

Complaint narrative:
I called the collection department to request a settlement and was denied. Was offered to make payment arrangements because they found other debts linked to me. I clearly stated that I did not want to make payment arrangements but I would like to pay each account in full one at a time if the debt belongs to me. At not time did I claim ownership of the other debts. The specific debt in question was {$130.00}. I paid the exact amount and PMABLLC only applied {$23.00} claiming that I still have a balance of {$100.00}. If my payment wasnt going to be applied In full to the medical bill for the office that I intended it for, PMAB LLC should have returned the payment along with a letter of payment arrangements. I did not agree to any type of payment arrangements verbally nor written.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
problem whit XXXX loan servicing on my credit report about every 2 to 3 month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX  people lef and right i try to fine a lawer to file a sue again them but no success yet

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 2019-04-12 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: EQUIFAX, INC.
State: VT

Complaint narrative:
problem whit XXXX XXXX XXXX on my credit report about every 2 to 3  month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
this debt is with a company im unaware of ever dealing with when contacted they could not show proper debt validation and is in violation of the fcra

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 2019-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I need to file a complaint on Experian I have asked them to Investigate Errors On my credit file in which they failed to I pay for Experian credit monitoring these accounts are not reporting correctly I asked Experian to remove these account ASAP XXXX XXXX XXXX No account number attached. also a charged off showing that is a violation of the FCRA but they claim they have verified the account. I asked that this account be remove from my credit file today I will also need to see Physical proof of their investigation as Follows Who they talked when they talked to them employee Id number what Documents did you send them what Documents that they send you also any credit App with my names attached and Signed and dated if you can't or won't send the Physcial documents delete asap Please reframe from using XXXX XXXX as I need Physical Proof I will not ask again for Physical Proof again Next step with be legal actions see file from your website!

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 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This complaint is in regards to fraudulent activities on both my checking and savings accounts with Chase bank. A few days ago there were fraudulent charges coming out directly from my checking and savings accounts. I called Chase immediately to lock my accounts and file the respective fraud claims. The Chase agent said that she would freeze my accounts until I could open new accounts. Two days  later, I received a Chase alert that my checking account was overdrawn. There were three more fraudulent charges made which completely had wiped out my checking account. The Chae agent did not place the freeze on the accounts. I went to the branch, filed more claims for three more fraudulent charges and opened new accounts. The next day I saw that Chase was reversing my stolen money to the compromised checking account instead of the new account. I no longer have access to the compromised account, therefore this reversal means nothing. Every Chase person I talk to tells me a different thing. The inefficiency of this company is outrageous. The branch manager said that they are doing activity with the fraudulent account because its part of the investigation, my case manager with Chase now tells me to withdraw money from the compromised account and put it into the new one, the Chase agent on the phone tells me its not up to them now to get those funds transferred to my new account. I sit here penniless, frustrated, and in disbelief of what is happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have had a very difficult time with SPS - Select Portfolio Servicing. I tried 2x 's to do a loan modification. I told by SPS the investor will not do a loan modification, its not allowed. I was then told I was approved to do a short sale. My Realtor has submitted the documents to start the process. SPS needed to do an appraisal, which was completed on XX/XX/2019. I found out the same day SPS placed a sale date of XX/XX/2019. That's in less than 30 days. SPS told me and my Realtor they would allow 60 days for marketing to sell the house. Once again, SPS lied. How can SPS be allowed to start the short sale process, and then place a sale date on me to force me into foreclosure.? Isn't that illegal in the state of California?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
XXXX XXXX - Received Letter about debt from Peroutka, Miller, Klima and Peters XX/XX/2019 - Received Letter about debt from Peroutka, Miller, Klima and Peters about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXXXXXX had been filed. 

Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about. 

Made additional request verbally for validation of debt because they never sent anything. 

Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I need to file a complaint on Experian I have asked them about 7 time to Investigate incorrect reporting on my credit file But they failed to do their Job XXXX account XXXX account status is reporting as closed should be charged off also charged off account showing a pass due Balance of XXXX per FCRA ACCOUNT CAN'T BE REPORTED LIKE THIS WHICH IS A MAJOR VIOLATION ALSO NO ACCOUNT NOTE AS TO WHO THE ACCOUNT OF SOLD TO ETC. But yet Experian claimed that the account was verified. I'm going to need you to delete this major VIOLATION OF ACCOUNT SEE DOCUMENT DURING your last investigation I need to Know who you spoke to when you spoke to this company what info you sent to them what info that they sent you also a credit. DELETE THIS ACCOUNT ASAP

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 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
They were harassing me in a very inappropriate way and disclosed the info to a 3rd party without my consent. Lastly, they put a freeze on my account even after advising them that I don't owe the debt. I also advised them that I have a financial hardship and that the funds are exempted even if I would've owned it. They were already promising me to release the hold but didn't fulfill its promise. Obviously, they were misleading me to avoid that I request an order to show cause to remove the default judgment.

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 2019-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Walmart 's servicer attempts to force users into optining into phone calls, text messages, and emails through their servicing website. 

If you visit : https : //walmart.syf.comXXXX   There is no way to remove your cell phone number, or to " opt out '' of allowing them to use auto dialers, and to text you, at anytime. If you try to delete the your phone number it says : " At least one phone number is REQUIRED ''.

Also, there is text that states : " You authorize Synchrony Bank to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and information, including text messages, from Walmart and Synchrony Bank. Standard text messaging rates may apply. You also consent to Synchrony Bank ( and any other owner or servicer of your account ) contacting you about your account, including using any contact information or mobile phone numbers you provide, and you consent to the use of any automatic telephone dialing system and/or an artificial or pre-recorded voice when contacting you, even if you are charged for the call under your phone plan. '' I do not consent to this policy, but there is no way to remove your phone number. I have never given this permission, and it is impossible to login and access the website without giving them this consent.

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 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: URS Holding, LLC
State: AZ

Complaint narrative:
This business frequently calls around XXXX XXXX. I have explained to them I do not live in GA and I live in AZ. I have updated my address, I have a mail forward and I even made sure my address was correct on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a promotion credit card with XXXX XXXX XXXX XXXX. The promotion is 0 % interest for 36 months. Each month I owe {$91.00}. In XX/XX/XXXX and XX/XX/XXXX I paid my monthly payment by the XX/XX/XXXX of the month. Each time Syncrony Financial charged me a late fee of {$39.00} because I paid too early, according to them. They said that I paid before my statement period ended, which ends on the XX/XX/XXXX. So they applied two payments to one month and then charged me a late fee of {$39.00}. This happened twice. I was able to call on XX/XX/XXXX and they waived the late fees as a " courtesy '', but I hardly think this is a courtesy and I'm worried this courtesy will end. This seems fraudulent to charge consumers a late fee when they are in fact paying their bill early. There are no instructions that say I can't pay before the XX/XX/XXXXof the month.

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 2019-04-12 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: GA

Complaint narrative:
I checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from XXXX  XXXX XXXX. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to Equifax, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with Equifax since XX/XX/XXXX and every time the dispute gets completed they state that XXXX XXXX XXXX is saying that the item belongs to me. How the Item is going to belong to me if XXXX doesnt even have my SSN # and every time I call XXXX they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with XXXX.. 
I dont think Equifax is trying to help me. Every time I talk to agent from Equifax they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
XXXX XXXX - Received Letter about debt from XXXX, XXXX, XXXX and XXXX XX/XX/2019 - Received Letter about debt from XXXX, XXXX, XXXX and XXXX about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXX had been filed. 

Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about. 

Made additional request verbally for validation of debt because they never sent anything. 

Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good afternoon, I am having a hard time with Experian report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. XXXX not sending me report back about investigation when I send several request I am attached the result from XXXX that XXXX collection was removed from my report and Experian and XXXX need to update my file. I am writing each of them with the same attachment I am sending you now.

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 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Prince Parker and Associates reported a negative trade line on my XXXX XXXX credit report on or about XX/XX/XXXX for {$190.00}. 

This was for a co-pay for XXXX XXXX XXXX XXXX XXXX, a medical provider. 

I had no clue I owed this bill. My credit was 850+ FICO score before this scumbag collection agency poisoned my report. 

Apparently, the original creditor was sending notices to my old address. I spoke with XXXX at XXXX XXXX and he confirmed this. XXXX also spoke to XXXX at Prince Parker & Associates and confirmed notices were being sent to my old address. 

While I have zero qualms with paying what I owe, I was never given the statutory right to dispute this debt and when I tried to resolve it today ( XX/XX/XXXX ) and spoke with XXXX at the agency she basically hung up on me refusing to delete the incorrect trade line. 

The problem is I changed my address with XXXX XXXX when I moved and due to their error they never changed it in their system. They as much acknowledged this. 

Now, I am in a point where I will have to hire legal counsel to sue both the practice and the collection agency if this is not immediately removed. The FDCPA as well as numerous state statutes were violated by not allowing myself time to make good on this debt I didn't even know. False reporting and threatening and communicating knowingly false information to a consumer reporting agency is actionable in court and I will not hesitate to sue the collection firm for how I was treated when they could have done the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2019 from XXXX XXXX , XXXX. trying to collect {$26000.00}. I am not responsible for this debt and am filing a complaint today ( XX/XX/2019 ) through CFPB to notify the company of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been getting calls from synchrony Bank from XX/XX/2018 until XXXX. They call me at least 5 to 6 times a day and before XXXX. I have answered and told them many many times on many occasions that the person they are calling for does not own this number and to stop calling me. They have refused to stop and continue to call before XXXX and all throughout the day.

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 2019-04-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2019 XXXX XXXX sent me a letter and agreed delinquencies reporting was an error on my credit report and would be updated on the XX/XX/2019. Two of my reports were updated and the one that wasnt is now XXXX is reporting 90 days delinquent on my Equifax Tri-Mortgage Report  because Im closing on a house next week so its time sensitive.

Company response to consumer: Closed with explanation