vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I have two companies that are still showing open on my credit report. The accounts have been closed and the companies are no longer active. This is showing derogatory and needs to be removed. 

XXXX XXXX XXXX XXXX XXXX this was taken care of already with insurance and was settled closed. 

XXXX XXXX XXXX XXXX XXXX I have called the company and settled the debt already. And it was considered paid off and was suppose to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
XXXX XXXX is harassing me and put false debt on my report that does not belong to me. I contacted them but no response back. They keep reporting XXXX debt on my 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 2017-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: DC

Complaint narrative:
Virtually every day from XXXX until XXXX I have received anywhere from 2-7 phone calls from a XXXX number that asks for me by name. Several times the calls are dropped and the few times they stay on the line refusing to identify who they are. One time I gave them the information they requested and they told me that I owed a debt to XXXX. I told them I did n't believe that was the case but that if that was I would take it up with XXXX because i did not feel like giving out my information over the phone to a company i had never heard of. 

They told me that XXXX XXXX XXXX could not help me and that I must pay through them. I told them I would not be doing that. 

I subsequently paid this off through XXXX XXXX XXXX - meaning this debt collection agency not only called me obscene amount of times but also clearly lied to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Young America Holdings, LLC
State: AL

Complaint narrative:
Hi, I received a prepaid card for {$240.00} on or around XXXX/XXXX/16 as a rebate on a promotion. I 've used the card a few times over the year, and when I recently tried to check the balance, I was told that the card was only valid for one year and all remaining funds had been removed from the card. I understand companies needing to charge a maintenance fee if the card has been open for a long time, but to remove all remaining funds from the card after less than a year seems a bit extreme.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Out of work due to an injury that occurred at work. The doctor did n't release me to return to work yet and I am still following doctor '' s treatments and therapy.

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 2017-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I leased a new XXXX XXXX XXXX, the leasing company was Ally. When the lease matured in XX/XX/XXXX, Ally offered me a discount to purchase the vehicle. I decided to take them up on their offer and was directed to XXXX, Ally 's lease buyout and processing company. I entered into a agreement In XX/XX/XXXX with XXXX and Ally to buyout the lease and re-finance the vehicle with a 60 month loan. I agreed to the Financing arrangement ( again with Ally ),  and the he loan was approved in XX/XX/XXXX. It was funded on XX/XX/XXXX. My first payment was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX The problem is that XX/XX/XXXX/Ally has NEVER processed the title of the vehicle over from the leasing company ( Ally ) and i have not received any paperwork regarding the transfer of the title in order to register the vehicle with the State of Ohio. Ohio still only recognizes the leasing company as the owner of the vehicle when in fact that lease was closed on XX/XX/XXXX and I am now responsible for paying Ally for the vehicle. The current registration expires on XX/XX/XXXX and I can not renew the registration without a new/updated memorandum Title from XXXX/Ally. After XX/XX/XXXX I will not be able to drive the vehicle legally. HOWEVER, I am will still be responsible for making monthly payments on a vehicle that I will soon not be able to drive. I have been trying since XX/XX/XXXX to get them to send me the Title memorandum and have sent several emails and made numerous calls to Supervisors at Ally and XXXX all of which are being ignored.

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 2017-12-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX, XXXX XXXX XXXX XXXX XXXX ) billed a Bank of America XXXX BOA ) credit card that was closed in XXXX XXXX. The BOA credit card account was also expired in XXXX XXXX. I called BOA to discuss and they stated they have no control over it as XXXX forced the transaction to go through on the 2nd occurrence after they received a denial the first time. XXXX was billing for an advance time period where service were not yet rendered. I did receive an email notification stating that if i did not update my billing information, my account will be downgraded. Thus the credit card on file will not be charged.

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 2017-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have multiple inquiries that I 've called Transunion and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX collection agency that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.

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 2017-12-10 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: NJ

Complaint narrative:
The company XXXX XXXX put a 30 day late after I closed the card account they were still accepting debits after I closed the account. They apologized and agreed to checl notes and offered to remove the late and convinced me to stay with them and so I did.

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 2017-12-10 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This account does not belong to me they put an account that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have multiple inquiries that I 've called XXXX and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX XXXX XXXX that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.

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 2017-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account does not belong to me they put an account that doesnt belong to 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 2017-12-10 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: NJ

Complaint narrative:
This account does not belong to me they put an account that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: NJ

Complaint narrative:
This account does not belong to me they put an account that doesnt belong to 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 2017-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
To whom it may concern, Please let this letter serve as a complaint against Shellpoint Mortgage Servicing. Shellpoint is the mortgage servicer for our property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Our account number at Shellpoint is XXXX. Our complaint is based on several factors including, but not limited to : 1. Failure to provide answers to written and/or oral requests for information. Shellpoint sends letters every few weeks assigning a different single point of contact for our mortgage, despite leaving voicemails and emails, our calls are not returned. 
2. Failure to provide proof of an escrow payment. In XXXX 2017, Shellpoint claims to have made a tax payment to the county/town for approximately {$50000.00}. In XXXX they claim the payment was returned and issued a new payment. To date, the town has not received payment, nor has Shellpoint provided a canceled receipt for said payment. 
3. Egregious errors in mortgage statements. We requested a payoff letter and reinstatement letter back in XXXX, 2017. The reinstatement letter which was only provided on XXXX XXXX, 2017 is {$200000.00} and XXXX higher than the payoff letters provided in XXXX 2017, then again in XXXX 2017 respectively. The reinstatement letter mirrors years of mortgage statements which have all seemed inaccurate. Once again, despite numerous attempts of contact, Shellpoint never addressed our concerns. 

Thank you for your attention to 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 2017-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: AZ

Complaint narrative:
In approximately XX/XX/XXXX or XX/XX/XXXX, Allied Collection Services , Inc., ( ACSI ) contacted me regarding an alleged debt that I owe. I did not immediately  recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. About a month of time elapsed and I never received the written validation. I called them back approximately at the end of XX/XX/XXXX or early XX/XX/XXXX. I notified them that I still had n't received the written validation for the alleged debt and requested that they immediately send it to me. I still have n't received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of 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 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Could not integrate capital one account to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I have recently been using XXXX XXXX to monitor my credit in an attempt to repair and increase my credit score, and have diligently been working on it. When I created my account, I found 2 derogatory marks on it from the Collection Bureau of Fort Walton Beach and have tried to use the XXXX XXXX website to file a complaint with XXXX but they keep telling me that my information does n't match theirs. At no time did I receive any type of correspondence from the Collection Bureau regarding either of these charges. One is for XXXX XXXX XXXX for XXXX and entered XX/XX/XXXX and I have not used that clinic or any of it 's services for at least 10 years. I have no idea what this charge is for or when. The other I will do a separate complaint for, is for XXXX XXXX XXXX, dated XX/XX/XXXX in the amount of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX, XXXX Fifth Third Bank and Banker XXXX XXXX at the XXXX Bank, XXXX, IL Previously known as Legacy No. XXXX and cfpb XXXX. XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX with the Office of the President, XXXX XXXX Operations Center, XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX - not honest services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one auto finance 10 hard inquerys in one day?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: MO

Complaint narrative:
I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX-XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX.XX.17 Several days ago I decided, for general security reasons, to change all of my User Names and Passwords for my credit card accounts. This morning I began systematically opening my online accounts to make sure that these changes had been properly processed and to make sure that these changes had not caused my " Pay From '' account information to be disrupted. When I went to my card 's Account Management page, I saw that the " last four '' of the two bank accounts I 'd linked to this site were in place. However, I was shocked to see that the full name of the bank in which these accounts are held was in full sight ( in capital letters, no less ) of anyone who might gain fraudulent access to this information. So now all a crook would need is the bank 's routing number ( universal for all 250 branches ) and the other 6 numbers of my account to drain my balance. Despite the fact that credit card issuers such as XXXX, XXXX & XXXX DO NOT PUBLISH YOUR BANK 'S NAME ONLINE, apparently XXXX is unable to figure out how to forego INFLICTING THIS ABSURD, TOTALLY UNNECESSARY, HIGH RISK PRACTICE ON THEIR CUSTOMERS! CONSUMERS BEWARE! CHECK YOUR XXXX ACCT ONLINE! XXXX  IS NOT SECURE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I recently created an account with XXXX XXXX in order to monitor my credit and improve my score. There were 2 derogatory marks, both from the Collection Bureau of Fort Walton Beach. At no time have I received any correspondence from them  about these charges. I have now filed a separate complaint for each of these. I tried to file a complaint through XXXX XXXX, but XXXX tells me my information does n't match theirs, so l get no where. This charge is for XXXX XXXX XXXX in the amount of XXXX and was opened X/XX/17. I h save no idea who they are or when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I wrote and mailed a dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX, pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX. XXXX and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor but XXXX never responded. XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead stated I owe XXXX. I sent another dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX XXXX XXXX reported the debt again for the previous amount of {$820.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation