vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: OR

Complaint narrative:
I, ( XXXX XXXX ) Had a cable account with XXXX at my address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. We had bad service so we cancelled the service and started service with another provider. We documented everything in minute details. 
We were told a shiiping box would be sent which arrived in 2 days. We put all the XXXX equipment in a box took PHOTOS of the contents, and took PHOTOS of the shipping document. THis was on or about XX/XX/XXXX. 
The XXXX XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. We later verified that I had been delivered successfully. We shipped the package ; dropped it off at a XXXX store in XXXX oregon and have a copy of the shipping document. We have had no less than 7 phone calls first from XXXX and now from credit control at XXXX XXXX XXXX, ( XX/XX/XXXX ). I have kept all my letters also which included shipping documents, photos of the shipping documents and delivery confirmation number. 
In the first letter I was clear that this was a disputed debt and I didnt owe a penny. I did notice that when XXXX  did the install of equipment they tore up the sheetrock in the garage and in my last communication I also informed them that they owed me {$150.00} for professional remediation for the damage. When I spoke to a XXXX today at credit control I did inform her that I have mailed XXXX   numerous times the communications ( by us mail ) that this was a disputed debt, and to not contact me further. 
I think they violated the fair debt collection practices act. 
I have kept scrupulous notes and documentation on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX  HAVE LIENED MY PROPERTY FOR {$50000.00} FOR THE DEBT THAT BELONGED TO MY EX-SPOUSE. I ATTEMPTED TO CONTACT THEM TO REQUEST A LIEN RELEASE BECAUSE THIS WAS NOT MY JUDGEMENT AND WAS NOT MY LIEN AND WAS NOT MY CREDIT CARD IN FIRST PLACE BUT XXXX XXXX XXXX  ASKED FOR MY PERSONAL INFORMATION SAID THEY WOULD RELEASE THE LIEN INSTEAD THEY NOW CALLING ME THREATENING TO ARREST AND GARNISH WAGES IF I DON'T PAY THIS JUDGMENT FROM 2011 THAT BELONGS TO MY EX- WHO IS NOT ON MY PRORTY. I SENT THEM SEVERAL LETTERS SINCE XXXX OF LAST YEAR WITH NO RESPONCE FROM THEM. NOW THEY ARE CALLING MY WORK IT IS EBARACING BUT THEY ARE LEAVING MESSAGES WITH RECEPTION SAING THAT I HAVE A WARRANT OR SOMEONE WILL ARREST ME IF THIS IS NOT PAID. HOW IS THIS OK .... THIS IS NOT A LEGAL LIEN AND SHOULD NOT HAVE BEEN ALLOWED TO BE LIEND ON MY HOME PLEASE HELP HELP HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was on XXXX  website booking an airplane ticket for my daughter and on the last step where I had to pay the ticket ( {$170.00} ), a pop-up appeared saying that if Im approved for an American Express Delta SkyMiles credit card Ill be receiving {$200.00} statement credit, and it was displayed exactly the following way : {$170.00} - {$200.00} = {$22.00} credit ( Offer or Promotion XXXX ) Looking at this, one would assume that the statement credit would appear immediately and it would take care of my purchase, or probably this how they are trying to mislead their clients!!!

Once I clicked on the pop-up window, it took me thru the application process and it did NOT mention that the credit will show up on my statement after 6-8 weeks. I did receive the monthly statement but I didnt pay it thinking that the statement credit will take care of it and on the next cycle it will show up as a credit of {$22.00} as advertised. When the next statement came I had late fee and interest charge, so I called the customer service and I was told that I had to pay it in order to get the statement credit, and I did so over the phone ( or online ), and I was told that the {$200.00} credit will appear on my next statement. I have been calling them since XX/XX/XXXX and every time I get the same answer, it will show on the next statement and I was issued 2 case numbers ( XXXX & XXXX ). Finally, this week I requested to talk to a supervisor and she told me that since I didnt pay on time my first statement I disqualify for this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: OH

Complaint narrative:
In the beginning of XX/XX/2018, I received alerts informing me that my TransUnion credit score went down XXXX points and XXXX credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted TransUnion and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.

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 2019-02-08 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:
In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down XXXX points and Exquifax credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: OH

Complaint narrative:
In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.

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 2019-02-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX   XXXX XXXX XXXX XXXX XXXX {$1900.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have XXXX XXXX, and when I checked my credit score,  i had realized that my score went down. Under collections, there was a amount of {$170.00} through a collection bureau called DCI. I researched the company, and found that it was linked to XXXX XXXX XXXX however, i was never notified of any debt so I contacted XXXX XXXX XXXX spending three hours speaking to XXXX, XXXX who hung up on me, and an XXXX who transferred me to XXXX in collections And directed me to XXXX in billing who claims that I do not owe any money. I was given a case number XXXX and by Account number XXXX. DCI notified me to file this report ( Diversified Consultants Inc ) XXXX, Florida reference number XXXX. I'm supposed to be notified by XX/XX/XXXX by XXXX XXXX XXXX of their decision, so I'm asking if this case can be filed through this organization for guidance. 
My contact information email : XXXX Phone number : ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
Upon having my credit report run in order to qualify for a mortgage about one month ago, I was surprised to see an active, joint credit card account with my ex husband of 3.5 yrs. with no pmnts made in 90+ days. I called FNB Omaha ( creditor ) to request to be taken off acct due to my divorce in XX/XX/XXXX and my not being responsible for overdue balance whatsoever. On XX/XX/XXXX, FNB emailed me their required " request for one party to be removed from a joint acct '' form for both me and ex to sign and have notarized then mail ( I priority mailed instead ) back to them. I called FNB on XX/XX/XXXX to confirm receipt of form and the person I spoke with said that if I bring the acct current ( just over {$900.00} ), I would be removed from the acct! This was a surprise, but I quickly complied, making a {$1000.00} pmnt. FNB told me to wait until Mon., XX/XX/XXXX for my pmnt to post. So, I called XX/XX/XXXX and they confirmed it had indeed posted. I asked to be removed from acct asap and they said they'd have to have someone else call me back with that answer. I then proceeded with releasing a home inspector for {$320.00}, thinking I was in good standing to qualify for my mortgage. On XX/XX/XXXX, XXXX w/FNB called to inform me that I could not be removed because my ex 's credit score wasn't high enough. I explained what I'd been told on XX/XX/XXXX, so she put me on hold while she listened to that recorded conversation then proceeded to tell me she'd send my case to their President 's office for further review since I'd been given " mis-information '' that she indeed heard in that XX/XX/XXXX recorded conversation. Essentially, I was given misinformation on XX/XX/XXXX and XXXX herself confirmed that to me in my conversation with her. XXXX also asked that I email her my entire Divorce Decree that shows the effective date of XX/XX/XXXX. So, then I waited. 
I placed several calls to FNB seeking an answer and instead received delay after delay from no less than three FNB employees, with whom I'd have to repeat my entire story. My most recent call to them on XXXX ultimately yielded a final answer of " NO, I can not be removed from the acct '', despite my paying {$1000.00} under false pretenses. I in fact held up my end of their deal and FNB did not. I even mentioned " deceptive collection practices '' and that I brought the acct current under " false pretenses '', but they didn't seem to be phased or to care. I spent {$1000.00} in the expectation I'd be removed from the account, plus another {$320.00} to have a house that I now can not buy, inspected. FNB Omaha is misleading and more importantly, dishonest, and others need to  know.

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 2019-02-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX  XXXX {$1900.00} not mine

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 2019-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
i cant use my online axcess i tried pay with XXXX wellsfargo will not answer phone.

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 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
A collection letter was sent to my daughter who is a minor.I called the company to explain to them that she was minor and she should not have a collection account. They told me that they could not discuss he account with me because I was not the person on the letter. They inquired as to who I was and I gave them my name. The next month, I started receiving letters trying to collect the debt.

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 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MS

Complaint narrative:
AMCA Collection agency have listed this debt for several years representing XXXX XXXX XXXX XXXX. It was settled with one of their many collections agencies XXXX XXXX XXXX. I am sure this debt has been paid more than once, most recently XX/XX/2018. Either they of XXXX XXXX have not corrected their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech company is not willing to remove PMI, our property value base on the last broker price opinion that was ordered by ditech in order to remove the pmi Came out to {$660000.00} and our loan remaining is {$490000.00}, that makes our equity well over 20 % that is necessary for pmi removal, we also never missed a payment and always been on time, been contacting ditech and they not willing to remove the pmi just because they just bought the loan from my Previous loan provider XXXX XXXX please help me even that our payment history is perfect and our home price been valued sufficient, please contact me for extra Evidence that this company is abusing and not playing by book. 

I have attached the denial letter with reason that home value has decreased while in the same report from ditech broker price options shows the price increased significantly, please see both attachments, so far I called over a dozen time to ditech and emailed them many time and send many letter but each time they respond with unreasonable answers to avoid removing the pmi. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC  LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I constantly receive calls and messages from a company called Portfolio Recovery claiming that I owe someone Called XXXX. I have told them repeated times over the course of a decade that I have no idea who they are and have never had an account with XXXX. They have been harassing me for years and it is way past time for the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rubin & Rothman, LLC
State: TN

Complaint narrative:
The company is Rubin and Rothman recovery llaw firm in New York and the phone number is XXXX. They have called me repeatedly, left voicemails saying they will come to my house or work within certain time frames. I called back and an employee was extremely rude. They do have my information incorrect as I was going to discuss, but it was impossible due to the rude gesture of the employee named XXXX. I then spoke with XXXX who threatened me with court and said I was on a recorded line and would have my time in court. I do not know what this pertains to. I have not received anything from this company until these threatening calls started within the past week.

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 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
Hello - I recently paid my mortgage down from XXXX ( original loan amount ) to XXXX. The balance is 78 percent of my loan amount. I just spoke to my lender, First National Bank, and requested that Private Mortgage Insurance be removed. They said that I must first submit a {$400.00} check for an appraisal to determine the value first. But it appears in this post and in looking at the legislation that that should not matter. The determination legally should be made on my original value amount, not an appraisal. This insistence that I pay them {$400.00} for an appraisal seems like an egregious attempt to circumvent consumer protection law. If they are relentlessly giving me the run around on this, how many other people are they doing this to?

Company response to consumer: Closed with explanation