vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is not my debt. I have ask the collection agency to supply me with supporting documentation that support their claim on XXXX/XXXX/2017. This request was sent by certified mail. However, now I am seeing this debt on my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAS Debt Recovery, Inc.
State: PA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$140.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
all of the credit reports has false information on my credit from a identity theft. Ca n't get a report from experian

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 2017-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have received multiple letters from Jefferson Capital Systems stating they are attempting to collect a debt for XXXX XXXX. I have made several attempts to contact the company to inform them the account is not mine and was opened with my stole personal information. My credit report states the account was originally reported on XXXX XXXX, 2017 in the amount of {$620.00} and I have had a different cellular phone carrier for over 5 years. I have also emailed the company filing a complaint with them so that they can send some kind of verification that the account was actually opened by myself but again no response has been sent from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been a card holder with Synchrony Financial ( Gap Visa ) for over 4 years. I have always made my payments regardless of my situation. I lost my job and was still making payments after attempting to have them work with me on the payments due to lack of income. They were unwilling to work with me so I had no choice but to make my payments. Prior to my job loss, I had never made a late payment with them. I continued to make payments, even if they were late, the late fee was paid along with the payment. my XXXX 2017 payment was made in the amount of XXXX. When checking my credit report, I noticed a 30 day late payment and called the company, I was told that it was because my bill was XXXX and I only paid XXXX I requested that they remove the late payment in good will for an honest mistake ( after I paid the additional XXXX dollars ). The company refuses to remove the 30 day late and it is impacting my credit score by 100 points. I am unable now to buy the home I was in the process of purchasing for XXXX dollars and an honest mistake. I even paid the entire balance off the following month and they are still not willing to help me even after I have been a good loyal customer for years!

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 2017-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX, A call was transferred to me stating it was XXXX XXXX from XXXX XXXX in XXXX, Arizona and she needed to speak with you. When Representative started speaking, it made me assume my husband was in the hospital. Then XXXX XXXX went into a discussion that she is attempting to contact my husband for debt from XXXX and XXXX. I informed her I do n't discuss my husbands bills and she needed to speak with him. She said if I do n't hear from him by XXXX today, I will have to turn you in and this will also destroy your credit since you are married to him. I hung up, text my husband and asked why am i getting a threat at work when its not my bill. My husband reached out to the company, they were rude said that the company wants their money and its been 3 years. XXXX XXXX explained to my husband they pulled my credit report, and was like WOW I 'm impressed that i could buy a car, she refinance her house, and she was doing very well for herself. She then states to my husband that she pulled his credit and said looks like your trying to clean up your credit I see. I did n't give permission for this collection company to pull my credit, I never provided my social security to this office or the XXXX center. All I have ever provided was my insurance card as i was the cardholder. XXXX XXXX threatened my husband if he did n't respond back by Friday she will start garnishing his wages. I called XXXX XXXX back to go over the dates as my husband was in no hospital or had XXXX in XXXX. XXXX XXXX informed me it was a mistake on their office they will fix the date. At this time I asked XXXX XXXX who are you calling from as I was not informed of the Company name at the time of our first discussion. She informed me she worked for TCS. We hung up and I researched company online. I was given acknowledgement that TCS had faxed my employer twice for Job Verification, included my social security on fax that was accessible to the public. XX/XX/XXXX, a call was left from TCS from a XXXX XXXX at XXXX XXXX. I was not at work so I did not receive the message until XX/XX/XXXX. I received mail on XXXX, showing that I was the patient, it was my procedure. I did not have XXXX with XXXX XXXX. This company is putting false information. XX/XX/XXXX, I faxed a cease and desist communication to TCS to not contact me or my employer. confirmation fax received that company received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: IL

Complaint narrative:
Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2017-08-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is trying to dictate who I have as an authorized 3rd party on my file. SPS can not dictate who I choose to have handle my financial matters, this is not up to SPS this is up to the borrower. SPS must immediately CEASE and DESIST all demands as to who they say I have to authorize for my short sale request. If I do not wish my listing agent to be an authorized 3rd party then they will not be an authorized 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: TX

Complaint narrative:
INQUIRIES NOT AUTHORIZEDXXXX XXXX XXXX -XX/XX/XXXXXXXX/XXXX XXXX -XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a XXXX XXXX XXXX Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from Experian showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call XXXX XXXX about the situation and advise me to contact Experian and to dispute it. I contact Experian and they advise me Banks are the ones who decide what score they give you that Experian only gives them you Annual Reporting and that Experian doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the XXXX XXXX. I call XXXX XXXX back and tell them of my situation and what Experian has told me. XXXX XXXX  was quick to say that they pulled my score from Experian and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from  Experian and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as XXXX XXXX also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.

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 2017-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: MD

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX Complaint against- Midland Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Loan # XXXX Complaint : I received my annual Escrow Account Statement the second half of XXXX, outlining that my principal and interest would not change for the next year of XX/XX/XXXXXXXXXX/XX/XXXX ( see enclosure ). Near the end of XXXX Secretary of Treasury stated that the Federal Interest rate would increase by a 0.25 %, after which, Midland Mortgage sent me another notice stating that my interest rate would increase by 0.25 %. I received this notice less than 25 days of when the change would take place ( which is required by my contract ), despite the date on Midlands statement. Never the less, I accepted the change and made the payments. Other conditions that Midland has not been compliant with, are them providing me the index that they use to calculate the change in rate and date of that index as well as other requirements in The Adjustable Rate Note, Interest Rate and Monthly Payment Changes, # 5 A-G. XXXX, I am informed that Midland Mortgage is increasing my interest again by 0.125 %. This would also permit them to adjust my Change Date. Midland Mortgage citing they made an error is not a defense that is acceptable. It is not justifiable that Midland Mortgage or any mortgage company be allowed to make changes to customers ARM, every time they make an error. If this were permitted, then the yearly Change Date would be futile. What I want to happen : I do not want Midland Mortgage be permitted to increase my rate after the effective Change Date of the contract. I do not want Midland Mortgage to be changing my Changing Date of my contract. Midland Mortgage trying to increase my rate is just another example of million/billion dollar companies taking advantage of consumers. This problem addresses the issues of these big companies always cheating consumers by shaving a little off the top. Such large companies shaving a few extra dollars from millions of consumers equates to billions of undeserved revenue for them and increasing the financial struggles of the American consumer. Frequently encounter examples of : XXXX overcharging for over usage of data, even though I have been close, but not over. XXXX charging for cloud usage, $ XXXXm for years, but never used, not knowledgeable of ; XXXX XXXX charge for equipment/services not requested, not used. XXXX advertised additional cost services, but later eliminate such services ( hide cancellations in small print/terminology non-specific ), but they still collected for those services. These companies know that it is counter-productive for consumers to engage in legal battles for such small amounts, therefore they are forced to pay.

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 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: PA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$96.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged 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 2017-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting the wrong date of birth on my credit report. Despite having the necessary documentation to fix this mistake, Equifax has refused to correct this error. I sent disputes with a copy of my driver 's license on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX XXXX, I even went ahead and filed a complaint because Equifax was not processing my dispute correctly. This was the response I received to my complaint : " Equifax has reviewed the complaint and its records. We show that you have not recently contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. '' I received this last response from Equifax on XX/XX/XXXX. It is now XXXX XXXX and Equifax STILL has not fixed the wrong date of birth on my credit report. They are reporting that I was born in " XX/XX/XXXX''. This is not true. I was born on XX/XX/XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. If Equifax handles fixing a simple piece of information on my credit report so badly, I can only imagine what other consumers are going through with Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This Company has an Alleged Debt and is Reporting my private information that is not Verified and or Accurate and is in Violation of the FDCPA and the FCRA federal Laws, this name is also a COPYRIGHTED name and has Legal ramification.

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 2017-08-14 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Late charges only are being reported to my credit. No payments, only late charges. The late charges also should not have been assessed. In good faith, I returned an extension agreement in XXXX2016 that Kia Motor Finance refuses to accept. It was received by mail after it expired. They refused to fax or email it to me so that I could return it in a timely manner. This was also after I had paid a fee for the extension. I do n't know where those funds went. In addition, they were asked to not make dialer calls to my cell, only manual. They changed my cell to a work number after a few months and continued to call me on a dialer. When asked to mark both mine and my husband 's work numbers as do not call, they refused to do his without speaking with him. I should be able to identify a do not call number whether it is mine or my husband 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I got a copy of my credit report from XXXX but first from XXXX and I saw that Citizens Bank reported me for being late in XXXX of XXXX but at the inception of it, I gave them permission to take directly out of my checking account which I see on my statements. The money is taken out MONTHLY. Also, I pay several times a month to pay it down but I never, since I got the HELOC, what the balance is?! If the bank made an error and There are also gaps and reporting that I did not pay for months when, as aforementioned, they auto-withdraw every month except this monthXXXX as I do NOT trust Citizen 's Bank. Frankly, I do not even understand why they are listed at all as negative on my credit bureau but it IS APPARENT THAT THE BANK MARKED ME LATE?! A deducted it on the XXXX day -- why is it on and affecting MY credit score which contributes to bad risk on my car insurance, high-interest rate on my car payments, etc I tried several times since XXXX to see my account but if I say ( upon either going into a branch or by phone that I want to see my balance ), it seems illegal or unjust the people just say nothing but that is it ...? At one point, I was transferred to the HELOC Department and was told that there is NO RECORD OF ME EVEN HAVING An HELOC?!?! Also, a Senior bank rep, XXXX at the XXXX XXXX XXXX branch, called that department because, through U.S. Postal Service, I got a letter stating that for some reason it is closed and when XXXX called and was given a reason, he would not tell me???? That is peculiar ... I do not ( as of this date ) see neither my checking or HELOC and no correspondence so where or to who is the money going to and why am I blocked from seeing on my end what is going on with my money but the rep, XXXX has since been transferred out of that branch on XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I wrote XXXX, XXXX and TransUnion about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

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