vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Another collection company XXXX XXXX XXXX XXXX sent me a notice in XXXX about a bill from XXXX XXXX XXXX. I sent them a letter requesting verification of the debt and the contract that was valid for the account they were attempting to collect on. I never received any further communication from the company. Yesterday, I look on my credit and there is a collection from SW Credit Systems LP for the same alleged account. I have not received any communication from them and as it stands, I am sure the same way the other company was unable to verify the debt, they are not able to verify either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I do not owe the amount stated on my credit report. Plus this account was charged off. I have noticed once per year that they are entering the information again making the account look open.

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Bureau of Walla Walla
State: OR

Complaint narrative:
On XXXX XXXX, XXXX I was in court in XXXX Oregon for a claim that was filed against me by the Collection Bureau of Walla Walla XXXX XXXX on XXXX XXXX, XXXX. Listed are bills that include City of XXXX XXXX for {$37.00} which was incurred and the statute of limitations started on XXXX XXXX, XXXX when the account was closed and the deposit was applied. Oregon Law states that the statute of limitations must not exceed 6 years which is 2190 days and this bill was incurred 2205 days prior to filing. So it is exempt. There is a bill for XXXX XXXX XXXX for {$250.00} for eye glass lenses. These were never paid for nor picked up and are still in the possession of XXXX XXXX XXXX  They are not my prescription nor did I order them. In the process of figuring all of this out, Collections Bureau of Walla Walla , XXXX obtained ALL of my medical records without a court order or without my written consent. XXXX advised me on XXXX/XXXX/XXXX at XXXX XXXX XXXX that she had in her possession my medical records that listed my diagnoses, history, and medication. This claim was purposely filed XXXX miles from their office instead of filing it with the court that is only XXXX miles from their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I opened an account via carecredit.com XX/XX/XXXX to help me afford a XXXX XXXX that was performed today on XX/XX/XXXX. The promotion was an interest free for 6, 12, or 24 months. The six months was forced upon me as a take it or leave it deal, an arrangement that is not possible for me to pay in that timeframe. And failure to pay in that timeframe now results in a punitive and usurious interest rate of 26.99 % ( given my credit rating I should qualify for less than half that rate ). I called to closed the account and was given the run around. I asked for a supervisor and was put on hold for nearly twenty minutes while the recording said " please hold for the next available escalation specialist ''. I asked for a supervisor, and I got the run around yet again. This is an outfit that preys upon the vulnerable that are in need of medical care with terms designed to be impossible to take advantage of the " promotional '' rate. This payment " option '' was promoted by the XXXX as a way to help me afford the procedure, but in actual fact it is turning out to be far more expensive than if I just put my cost on my regular credit card.

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX has apparently sold my " debt '' of {$640.00} ( we have never been billed for this amount by XXXX XXXX XXXX! ) to 2 ( as of this date ) collection agencies, Sunrise Credit Services and XXXX XXXX, with the account # XXXX which is not even an account of ours. They state it was for my wife 's cell phone ( which was already out of contract with XXXX XXXX XXXX ; their representative at our local store said we could n't return a used phone out of contract and even gave her several suggestions on websites to sell it herself ). They call daily while I am at work, as well as late into the evening ( XXXX  CDT being the most recent ). They have been told it was n't a valid debt and to stop calling, to no avail. I sent Cease & Desist Letters to both collection agencies today with backup showing I paid my account off to XXXX XXXX XXXX, with an agreed amount for ALL accounts to be XXXX out, and the check was cashed by XXXX XXXX XXXX, thus agreeing to our arrangement. I have attached copies of my pay agreement with XXXX, copy of the check and letters sent to the collection agencies. I am complaining against XXXX XXXX XXXX XXXX, as well as Sunrise Credit Svcs and 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 2017-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am trying to refinance my mortgage interest rate 7 to 8 % they are hiking my payment by almost {$1000.00} a month. they deferred payments over the life of my loan ( 12 over 12years ) I was never told that the interest would be put to the side as a separate part of the loan and now I can not refinance my home appraisal is {$200.00} K and with the interest which they do not wish to waive I owe $ XXXX they have not modified the loan I have tried to get it modified in the past and they do not work with me to make things reasonable I am desparate I do not know how I can pay almst {$2800.00} a month when I take home about {$4000.00} total the company is HSBC mortgage services ins acct XXXX thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This company have send collection to my credit report not once but the same account three times as  well as others collections by BULLCITY FINANCIAL SOL send I am not liable for collection of debt from BULLCITY FINANCIAL SOL. I am not responsible for this debt. I have sent disputes to the credit bureaus with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brennan & Clark, Ltd., LLC
State: CA

Complaint narrative:
I started receiving a voice message for something I am not related at all.
First voice message : Monday XXXX XXXX, 2017 at XXXX ( PST ) This is XXXX XXXX with the offices of Brandon and Clark my -- -- -concerning your other time senseitive legal matter that I am assuming you 'd prefer to address the -- -- - escalates but in order for you to accomplish at this point it 's imprerative that you contact me immeediately my phone # XXXX extension is XXXX.
<P/>
Second voice message : Wednesday XXXX XXXX, 2017 at XXXX ( PST )

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 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: MD

Complaint narrative:
I have an issue with there overdraft policy. I signed up to have to have overdraft protection. I had about XXXX dollars in my account when i overdrafted it with a XXXX dollar purchase. I had some pending charges which has been already taken out of my back account available balance. My account was positive when i over drafted it. Once i over drafted it i got hit with XXXX {$37.00} dollar fees. And when i look at the pending purchases that got hit with an overdraft fee it was {$2.00} {$5.00} {$4.00} {$0.00} {$0.00} This is not fair that i am charged so many overdraft fees for such small purchases that was not even in my available balance so im looking at my account positive. The bank has misleading information. Its not fair i have to pay XXXX dollars on such small purchases. The XXXX dollar purchase understandable because that is what overdrawn my account. Because i over drew amy account by XXXX dollars i should have owed the XXXX plus the XXXX thats XXXX dollars. My account it overdrawn by XXXX dollars this is crazy And i have a XXXX so its not right they they are trying to confused me even after i told the bank teller in person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
To whom this may concern, A previous dispute was completed on my behalf in which R. S. and Associates deleted this account from XXXX of my credit reports. However, this account is still listed on my XXXX  credit report. This debt was paid to XXXX XXXX prior to this company attempting to collect any form of debt payment from me. I was not notified by this company they were in an attempt to collect a debt that had already been paid. I do not have a contract with this company nor has any services have been requested by me of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I have been past due on my student loan for personal reasons, currently I am in the process of a hardship withdrawal from my 401k to get my mortgage payment caught up. Recently Navient has been calling 3rd parties, which they refer to as references, but were never listed as references. They have called my brother 's girlfriend, my ex husband and father in law. I have asked several times to not contact anyone other than myself but I continually get cut off by the agent, they do not ask about any kind of financial information, and most recently one of the agents brought up my job at XXXX XXXX which I feel was almost a threat. I asked several times to stop contacting third parties and this agent refused regardless of me explaining my financial situation. She advised the call was recorded, so it will be heard that she stated I refused to pay which is not true. I asked to speak to a manager and no one was available. I find that hard to believe when they have the time to call ex-family members and harass me. At that point I again asked to please stop calling third parties and the agent stated that we were done talking since I asked to speak with a manager and none was available. I admit I was mad, but after being harassed by this company over several months without them respecting my privacy I feel I have the right to be. This whole thing has been humiliating and I feel like something should be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On  XXXX   XXXX , I suffered a total loss of  Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to Equifax on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  AGAIN reported to Equifax that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous comp laint ( Complaint Number   XXXX  ) was filed against equifax on  XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: NY

Complaint narrative:
On  XXXX   XXXX , I suffered a total loss  of Vehicle w hile account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   AGAIN  reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous c omplaint ( Complaint Number   XXXX  ) was filed against   XXXX    on  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 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card just renewed, XXXX XXXX. The old card was on file with the XXXX XXXX XXXX. The new card was charged by the XXXX for a subscription I did not want. I checked my XXXX account and found they had an updated credit card info, i.e. new expiration date. I never gave them that info. The only other source is the card issuer, Bank of America. At the very least I should have been notified of this. I would like all future charges from XXXX stopped. The original charge back inXX/XX/XXXXwas an error. I called XXXX and was told it could not be canceled because of an automatic system. I decided to not pursue the matter it was only {$28.00}. Now the charge was made again with the new card.

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 2017-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
The Toyota   XXXX    XXXX  was totaled in collision back on  XXXX . We have been waiting patiently with  Toyota Financial Service filed out claim with Toyota Gap auto protection. After all this time we received a letter that our claim has been denied because document proving the car has been totaled has n't been received by Toyota GAP. The document proving the car was totaled was sent to Toyota Motor credit Corp by   XXXX  and  XXXX  impound and Toyota put value on the car and decided the car does n't worth impound fee and sold the car to impound.. As indicated on the attach letter. Please send this document and authorization to sell the car to  Toyota Guaranteed Auto Protection to pay our claim, also a copy of it  to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
***First off this is not a request for any kind of fraud alert or Security Freeze to be put on my report**** DO NOT PUT ANY KIND OF ALERTS OR FREEZES ON MY ACCOUNT. <P/>I have to say this upfront because EXPERIAN is really bad about just putting a freeze on the report as their way of saying they have responded to my request. <P/>The FCRA Specifically says that all credit inquiries must be back by factual truth and proof to show permissible purpose and I am here to say that EXPERIAN is not following the law. They have inquiries on my report that do not show factual proof, truth or permissible purpose and they WILL NOT REMOVE THEM. <P/>I am demanding that the following inquiries be removed from my credit report as you can not produce permissible purposes for them. DO NOT SEND ME A RESPONSE BACK SAYING THEY MUST STAY AS A PART OF FACTURAL RECORD AS WE BOTH KNOW THAT IS A LIE. 1. XXXX ONXX/XX/XXXX I DO NOT HAVE A XXXX ACCOUNT AND THERE IS NO FACTUAL TRUTH OR PERMISSIBLE PURPOSE SHOWING THAT I WAS GRANTED A LINE OF CREDIT WITH THEM. REMOVE THIS IMMEDIATELY. 2. XXXX XXXX XXXX ON XXXX THEY DID NOT RUN MY CREDIT FOR ANYTHING AND I AM DEMANDING THAT THIS INQUIRY BE REMOVED 3. XXXX ON XXXX I HAVE NO IDEA WHO WHIS COMPANY IS AND THIS MUST BE REMOVED IMMEDIATELY AS I DO NOT HAVE ANY ACCOUNTS WITH THEM. 4. XXXX ON XXXX THEY CAN NOT SHOW PERMISSIBLE PURPOSE THEREFORE THIS INQUIRY IS AGAINS THE LAW, REMOVE IT. 5. XXXXXX/XX/XXXX I HAVE NO IDEA WHO THIS COMPANY IS AND I WANT THIS INQUIRY REMOVED AS IT VIOLATES THE LAW REMOVE IT 6. XXXX XXXX XXXX. XXXX I AM DEMANDING THIS BE REMOVED. I NEVER HEARD OF THIS COMPANY, AND I DO NOT REMEMBER ENGAGING THEM FOR CREDIT, THIS IS AGAINS THE LAW SO REMOVE IT. <P/>ONCE AGAIN YOU DO NOT HAVE MY PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY ACCOUNT. YOU ARE THE ONES BREAKING THE LAW SO STOP IT, AND REMOVE THE ABOVE INQUIRIES IMMEIDATELY.

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 2017-06-21 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: EQUIFAX, INC.
State: CO

Complaint narrative:
****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. <P/>EQUIFAX YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. <P/>ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST. <P/>1. XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY. <P/>2. XXXX XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3. XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a phone call in regards to my bill being forwarded to collection from the doctors office, it was two weeks after i visited the emergency room.
Usually it takes about two weeks before the insurance pays there portion and my insurance took extra few weeks to provide me with what i was expected to pay.
I immediately called the doctors office to pay the amount expected from me and i was forwarded to CMRE FINANCIAL who they process payments with anything that is even a day late, but they promised it wo n't appear on my credit report since they understood i did n't receive the statement.
The problem i am running into now is CMRE FINANCIAL went ahead to report as collection that was paid off which significantly impacts my credit for a payment that was fully paid within a normal insurance processing period.
I have asked credit agency 's to delete the information my report without success.
I would like both CMRE FINANCIAL and XXXX XXXX to delete the negative information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: CO

Complaint narrative:
I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.

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 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
All of my mortgage accounts get paid via bill pay from  XXXX   XXXX .   XXXX    XXXX   XXXX  has sold my lo an to Carrington. W hen this loan was transferred over there was a negative amount in escrow account at   XXXX    XXXX   XXXX . Per escrow instructions, I was paying down the negative over 12 month period with my payments . Carrington computer system has expected illegally to collect full escrow negative from my mortgage payment. Per fair credit act this is prohibited. In addition, I was never correctly notified that my payments were going into suspense and late fees were adding up. I only found out because of inaccurate reporting to the credit bureaus and my credit score going down for miss ing payments that  XXXX  has made on time. I have made additional payments to the account to correct the issue.

Company response to consumer: Closed with explanation