vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-01 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: The Receivable Management Services LLC
State: FL

Complaint narrative:
XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the XXXX devices.

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 2018-09-01 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: CA

Complaint narrative:
To Whom It May Concern : I had filed a dispute with all 3 credit bureaus ; XXXX, Equifax, and XXXX. I was a victim of identity fraud and completed disputes to those accounts created without my knowledge and with my stolen information. I filed a police report, and submitted all paper work as requested. XXXX  and XXXX were great and helped me step by step and made sure my credit reporting was correct, and deleted all fraudulent account. Equifax on the other hand are not deleting fraud accounts and stating they are mine, when in fact my information and identity was stolen. Instead of trying to help me, they tried to sell me products to monitor my report. I have a police report, I am a victim, and this company is not trying to help me. How is all the same information available to all credit bureaus but Equifax keeps insisting it is my account. It is very upsetting, and no one is helping me. On another note their website doesn't even let me log into to check my dispute because they keep stating im answering my security questions incorrectly. IF FRAUD WAS DONE ON MY ACCOUNT how am I suppose to know what accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Santander reported to XXXX  that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On late XX/XX/2018, I received a letter, dated XX/XX/2018, from XXXX XXXX XXXX XXXX trying to collect for XXXX XXXX  XXXX. It gave me 30 days to dispute this. I called them and obtained their fax number. I issued a response on XX/XX/2018 which was faxed to them on the same day with fax confirmation. In my written response, I dispute their charges and asked that they stop calling, and they should respond in writing. Collection company frequently taped the phone conversation, but do not release the tape to the customer. As a rule, I requested all phone call be stopped, and all communication be in writing. Since my fax, this collection agency continues to call, the last call being today, XX/XX/2018 about XXXX. They also reported this disputed debt to Credit Bureau, both of which, I understand is not permitted by laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: NM

Complaint narrative:
This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 XXXX reported to TransUnion that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!

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 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
XX/XX/2018 {$1500.00} Ability Recovery Services deleted the information and put it back up on my report again.

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 2018-09-01 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: TX

Complaint narrative:
I went to XXXX 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.

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 2018-09-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at Chase and all who refuse to help. This is a new way of keeping us slaves to Chase. The modification is intended to help us make affordable payments while going through hardship instead Chase has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX XXXXXXXX Veteran spouse and Chase don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from Chase we can't move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.

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 2018-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I really do not know where to start at, I have been dealing with SPS- Select Portfolio Servicing since 2015, trying to do a deed in Lieu that I was approved for, due to me facing hardship at my job which caused me not able to keep my home, then I received a letter stating I did not have all the paper work I sent, I re-sent in all paper work via fax, next day postal service, an email and its the same story over an over now we are still here years later with the same issues we have found a realtor who is trying their best to help us yet are felling like what is really going on an why is it so hard to get results on a simple issue, granted no Deed in Lieu to transfer home back over, found a buyer to buy the house sent in all paperwork an still getting letters stating we are missing documents, every time we call its the same thing over an over we have sent in so much paper work Im tired I can not take it no more, SPS is very unprofessional no one knows anything, every time you call you get a different answer. they claim we had a relationship manager who we never spoke to accept once. SPS are sending us through the ringer an back, an its very sad to have to be putting up with this for over two years. I just feel this matter is above my head right now that is why I am looking for other resources to help me an my family now because enough is enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Barclay card was charging me {$37.00} returned fees for the payments which I didn't make. I made my payments from my bank and they did go through every time. On a top of that they fraudulently were making payments from another closed account and charging me {$37.00} fee. 
The customer service representative XXXX with a very low voice was the worst, I never had such a bad customer service in my life.

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 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe XXXX XXXX. I dont have a XXXX account and have never used XXXX. I contacted XXXX on XX/XX/2018 who confirmed I do not owe them money.

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 2018-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was contacted by Midland about a debt supposedly owed to XXXXXXXX XXXX. When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase authorized a {$2300.00} payment that was a fraud payment and refused to refund the payment. They claim to have fraud protection yet in spite of them telling me my account was hacked and charged they withdrew the money from my account and refused to credit the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe PayPal XXXX. I dont have a PayPal account and have never used PayPal. I contacted PayPal on XX/XX/2018 who confirmed I do not owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was contacted by XXXX about a debt supposedly owed to XX/XX/XXXX.  When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.

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 2018-09-01 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: TX

Complaint narrative:
XXXX is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: TX

Complaint narrative:
XXXX is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.

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 2018-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my check book on XX/XX/XXXX. I notified BBVA compass bank at once. They send me a secure message on XX/XX/XXXX to confirm that they have started to freeze my account ( Attachment 1 ). 

On XX/XX/XXXX. Someone tried to charge my account which incur {$32.00} NSF fee ( Attachment 2 ). From the federal laws, I know that I am not responsible for unauthorized charges and fees after I notified the bank. I had to switch to other banks and argue with their customer service about this charge. I even received a  letter from them that threatening they have marked it as charge off and will send them to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently tried to purchase concert tickets using the XXXX service. The service is backed by all of the major financial institutions making it seem more legitimate and trust worthy than other payment services like XXXX and XXXX. However, this service seems to worse and less secure than those. The person sent a request for me to transfer the money and I did so. It took multiple days to process the transaction and there was no clear way for me to monitor it and cancel it if need be. Two weeks have gone by and the person I was trying to purchase tickets from still hasn't given them to me. I tried calling Wells Fargo to see if they can reverse the transaction. The first person I spoke to said they could do a " money move '' and get me the money back. After that, I got transferred multiple times before someone put me on hold for about 20 minutes just to tell me that there's nothing they can do. They are aware of the transaction and even know that the money was deposited in an account with XXXXXXXX XXXX. However, they refuse to even contact XXXX about it. I called XXXX myself to see if there was something they could do, but they claimed that they couldn't do anything even though I knew the email associated with the account. They recommended that I speak to Wells Fargo. Wells Fargo basically told me that I have to get the money back on my own.

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 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D  ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief
Consumer complaint received 2018-09-02 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have  accounts with XXXX XXXXXXXX. So it is reporting by portfolio as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.

Company response to consumer: Closed with non-monetary relief