vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Credit & Collection Corporation
State: CT

Complaint narrative:
Received letter dated XX/XX/2018 from Global Credit & Collection Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Stating that my account XXXX, NA Card # Ending in XXXX has been placed with Global Credit & Collection Corp.I don`t have this account.I received a call from them last year saying the same story, I told them I have no such account.They wanted my Social Security #. Thats when I told them I am not giving you SS #. I asked them what Credit Card of mine do you have, would not tell me, need SS # .I finally got out of him it was a XXXX XXXX XXXX XXXX.Told him I have a XXXX account not that # .Insisted on SS #, That`s when I ended call. So today XX/XX/2018 I receive a letter that I owe $ XXXX.Current creditor to whom the Debt is Owed : XXXX XXXX XXXX XXXX, XXXX XXXX ID:XXXX XXXX XXXX XXXX XXXX I believe they are Phishing for my info. I have checked my Credit Report nothing on file, I have excellent credit. So they need to be reported and I need to know, Ido not want to talk to them I don`t know anything about this company other than they went bankrupt twice. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: KY

Complaint narrative:
I have submitted a complaint about a new collection on my credit record. I have a receipt showing payment of the bill. I have submitted this information to XXXX three times. Every time I submit it, I receive " dispute open '' emails. When I try to view the progress, I am told the dispute does not exist. Today, I received an email saying my dispute was completed. When I tried to view the dispute results online, I get an error message. I called on the phone and they told me my dispute did not exist. I have emails which show I filed the dispute, and I have an email saying the dispute is completed. And I have a receipt for the amount that has been reported to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
XXXX XXXX ( recruiting ) They got on my DAC Report discharged .Falsified Employment application.Idid not work for this company, XXXX XXXX XXXX Also said the same thing Discharged Fasified application, also did not work for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cordoza & Wexler Recovery Services
State: DE

Complaint narrative:
I received an automated phone call from XXXX which stated to press 1 to speak to a person regarding debt. I reached a person XXXX who stated she was with XXXXXXXX XXXX XXXX XXXXXXXX company. She advised I had a debt with XXXX XXXX XXXX loan from 2012 for {$320.00} but with late fees and interest added on total owed is {$920.00}. When I asked her to verify the company address and or website so I could call myself before providing any credit card information she became rude and disconnected the call. I have received no further calls or any documentation in the mail advising of any past due debt or court documents of any legal action against me. I have paid my loan entirely with XXXX XXXX XXXX loan and owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
Recently it came to my attention that XXXX XXXX XXXX, XXXX dba XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX entered a Summons and Complaint Small Claims against me on XX/XX/2018. 

XXXX XXXX headquartered at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX did not officially notify/serve me said summons and complaint by certified mail, registered mail, nor official process server which is dictated and outlined as an official procedure in debt collections in the State of Wisconsin. 

Also, I did not receive official notices/letters ( as mentioned above ) from XXXX of the Right to Cure Default of said payday loan within the past 2 years leading up to this complaint. 

Nor have I received to date an official notice of said summons and complaint filed in the State of WI Circuit Court, XXXX County, Case No. XXXX which is presently pending against me at this time of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE FARM BANK, FSB
State: IL

Complaint narrative:
State Farm Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on the same day. I did authorize only one inquiry for a car purchase at a dealer and only one not two. The second inquiry was an  unauthorized hard inquiry to my credit. The date of the inquiries is XX/XX/2017. I called State Farm Bank and got nothing more than a run-a-round by their customer service representatives on multiple calls to them on this subject by myself to them. This action by State Farm Bank is an unlawful unauthorized hard inquiring to my credit and I demand these hard inquires be removed immediately. That is the reason I am making this  complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I took my fiance 's XXXX year old XXXX XXXX to XXXX XXXX XXXX in XXXX Ca, with Dr XXXX XXXX on XX/XX/2018. We went in for XXXX issues as the XXXX was not XXXX correctly. Well the XXXX charged us a whopping {$800.00} on my care credit card and the XXXX only found a XXXX   which I already knew he had and my XXXX  still has not gotten better. I have gone to other XXXX before and have never paid {$800.00} for a XXXX. The XXXX  did not find what is wrong with XXXX and charged us an outrageous amount for a XXXX   when other times we have gon the XXXX  for that and we get charged under {$200.00} for the same problem. I did ask the XXXX if there was a way to reduce the bill but declined and the credit card company have not done any better and have not heard from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Hard inquiry was discovered on credit report that was not recognized.

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 2018-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a complaint against the Fraud Department of XXXX in XXXX, I am a victim of identity theft for more than two of us, and they have vcarion reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, makes fraudulent reports the Experian fraud department. They are affirmed that this report is false.The accounts I am disputing are two ( 2 ) and one of them Experian is reporting double is XXXX XXXX # XXXX for an amount of {$16000.00}, and the other is from XXXX   XXXX  for an amount of # XXXX. These accounts do not belong they were not opened by me and this is why I go to the XXXX XXXX XXXX  so that you are witnesses that the department of fraud of Experian in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to Experian. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who 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 non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a credit card account with Capital one in XX/XX/XXXX and I have had up to three cards from that time until now ( XX/XX/XXXX ) I have two cards from Capital One now and my complaint refers to both but specifically one which I had since XX/XX/XXXX. My payment record is excellent with all my cards. I have applied for credit increases many many times and was only approved for {$100.00} one time. I was told they would automatically increase my limit. Through those year my credit most of the time was at least good to the point I purchased one home and paid for it was approved for at least 15 credit cards with limits of {$600.00} to {$7000.00} I have purchased another home and have been approved for refinancing of $ XXXX.ihave chosen to only have four credit cards now with the maximum limit at {$7000.00}. My income as reported to Capital one for my credit increase was {$120000.00} last year. On XX/XX/XXXX I applied for a credit increase and was told I needed to make larger payments because my payments were to low. I hav paid this card off twice because it started with a limit of {$900.00} and almost 20 years later it is {$1000.00}. My minimum payment is {$30.00} and I made payments ( always on time or before ) of {$260.00} in XX/XX/XXXX and XX/XX/XXXX, {$50.00} in XX/XX/XXXX and {$150.00}. In XX/XX/XXXX and XX/XX/XXXX. There isnt any other reason for this but discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have disputed this inaccurate, erroneous, unverifiable account entry with XXXX  XXXX XXXX as well as the credit bureaus. In my most recent communication ( see attached ) to XXXX XXXX XXXX, I specifically requested that they provide a copy of the financial responsibility page as well as provide a copy of my signature with the provider of service to release the alleged medical information to them. To date, XXXX   XXXX XXXX  has not. Additionally, upon XXXX XXXX XXXX receiving my dispute, I requested that they cease any and all credit bureau reporting until the debt had been validated by me. They did not. They continued to report this inaccurate, unverifiable entry. XXXX   XXXX XXXX has blatantly violated my consumer rights under the FCRA and FDCPA. 

Account Resolution has not provided : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary The mere letter on their letterhead lacks veracity to the accounts they are reporting on my credit reports. Nothing is substantiated in the arbitrary amounts that are alleged. Delete this entry immediately from all of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
I HAVE APPLIED FOR FINANCIAL ASSISTANCE DUE TO BEING LAID OFF OF WORK. I COMPLIED WITH PLANET HOME LENDINGS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE ON XX/XX/18, I WAS ALSO INFORMED THAT THEY ARE NOT GOING TO POSTPONE MY SALE DATE BECAUSE THEY HAVE 30 DAYS TO RENDER A DECISION WHICH WILL BY NO LATER THAN XX/XX/18. HOWEVER, IF THEY DENY ME DUE TO AN ERROR ON THEIR BEHALF I WAS INFORMED THAT WORSE CASE SCENARIO THAT I WILL BE ABLE TO APPEAL THE DECISION WITHIN 30 DAYS OF DENIAL, I ASKED THE REPRESENTATIVE THAT I SPOKE TO IN LOSS MITIGATION HOW CAN I APPEAL IF THE SALE IS IMMEDIATELY AFTER THE DECISION AND HE SAID I CANT. THIS IS NOT FAIR, I HAVE READ THE CFPB GUIDELINES AND THE MODIFICATION GUIDELINES REGARDING SALE DATES AND THEY BY LAW HAVE TO POSTPONE THE SALE DATE AND IT APPEARS PLANET HOME LENDER DOESNT CARE ABOUT THE LAW AND DOING WHAT THEY WANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
this is my second complaint about Rushmore Loan Management. I am in mediation to prevent forcluser, after the 1st mediation they offered a down payment of XXXX and the a MONTHLY PAYMENT OF XXXX what they didn't disclose on the phone was it was due in 15 days. 

I made the down payment on XX/XX/XXXX, XXXX. according to there terms I need to pay the other XXXX on XXXX XXXX that's 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
First of all I was told by the police I should go to the hospital which they suggested upon seeing my condition. I was badly beaten and robbed. I was treated at the hospital as a crime victim they took my police report incident no and everything. When discharged I was told to go to a different hospital within a week to have a check up for my ear and to come back to the hospital to do some paper work for crime victim. I went to the hospital and completed and provided all the paper work needed. 

When debt collection company kept calling me I kept telling them what happened and they never told me I could dispute it but asked me to send them my insurance which I wasnt liable for or asked me to call crime victim compensation, upon calling them they werent of any help whatsoever. 

Debt collection kept calling me but never mentioned I can dispute it every time I will explain them my situation. Once I knew I can file dispute I asked them to do a dispute representative told me okay and it will be resolved within 30 days. Months pass and today I get a call again regarding the same collection as if its their first time calling me. 

This is having a bad impact on my credit score and I am not being able to improve it due to this collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: AL

Complaint narrative:
This a formal complaint against Transunion located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair credit reporting act and has caused me unnecessary financial and mental distress. They continuously report erroneous and unverifiable accounts on my credit report, not to mention accounts that I ask for proof of claim in which they have yet to provide after multiple disputes per FCRA. Despite my efforts to resolve this unfortunate nightmare for several months, Transunion has completely ignored the properly investigating all legal submissions to remove these inaccurate accounts from my credit profile. Im well aware of the many complaints filed against this company for unethical business practices. Yet somehow this company is still in business. This companys negligent behavior has caused lots of harm, not only to my ability to establish good credit & get lower interest rates, but also to my character as a professional individual. Please help me and other consumers put a stop to their unethical business dealings immediately. I thank you for your time and consideration to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I need some help, I mistakenly billed pay my mortgage payment to XXXX/Wells Fargo a closed credit card which was back in XX/XX/XXXX which was {$2200.00} and not my mortgage company. There was nothing my bank could do because it was a bill pay, I have been trying to get my funds and it has been so hard. It has been three months, I'm behind on my mortgage now also. Not only do I still do not have my money now I have negative remarks on my credit file due to this. I'm not rich and that is a lot of money which I could not replace. I really feel that XXXX/Wells Fargo doesn't care it's there there life this is affecting. I have been told many different things, check was mailed, didn't get in the mail, called again today and spoke with XXXX at the executive offices XXXX ext XXXX and he put in another complaint as the first person would not return my calls XXXX XXXX # XXXX. Now I'm with a XXXX XXXX new # XXXX. I have stressed the important of this as I need to give this money to my mortgage company I was told another check was mailed on XX/XX/13 and still waiting. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
Back in XXXX or XX/XX/2012 I moved out of my house where the cable was being provided by XXXX. When I moved out I took all the equipment to the XXXX office and  returned what was needing to be returned and paid whatever I was billed. I thought everything was fine, never got any bill, documentation, ect. Until I received a very nasty phone call about a year later that I owed them because I didn't turn in my equipment. I told them that they were incorrect, they wanted a receipt showing otherwise. We were a year removed from me turning in the stuff, I didn't have the receipt. So, I went round and round and told them that I wasn't paying them the money. Its the principle of the matter, they have messed up my credit score and there's nothing I can do about it. The will not take a payment and delete the collection trade line from my credit, only will accept the payment. I need the collection removed. I did nothing wrong here, and feel like a victim of there improper record keeping. I'm trying to get a house right now and this is keeping my score lower than it should be. its gon na end up costing me big time over the life of the mortgage I'm trying to get because I'm having to take a higher interest rate. I know a lot of other people that XXXX has done the same thing to and it isn't right at all. Please do something about this, not only for me but for all those affected by this terribly managed company. 

Thanks

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief