vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a timely payment on my online banking on X/XX/17 to  XXXX for my life insurance policy. My bill pay set up apparently had an old address in the system which was no longer good. [ That was an oversight on my part. ] Since the address was old and the mail was no longer being forwarded to the new address, it was returned to my bank. Citibank NEVER notified me that the payment had a problem. I was not aware that this payment was returned to my bank for want of a better address until I received a letter from XXXX notifying me that my life insurance policy had lapsed. Now it is cancelled and they want me to re-apply. I do not think it should be acceptable in 2017 that a major banking institution would not be required to provide me with notification in writing that a payment I sent out was returned. This should be a requirement. Their answers was basically that they are sorry but because I did not have a box checked in my online banking that I wanted to have an email sent to me when this particular circumstance arose I was out of luck. Mind you, I had NOTHING checked one way or the other as I never utilized this set-up. They were free to contact me via mail, email, phone, etc. but did not and I have been harmed irreparably. I would like you to force them to institute proper policies and procedures for their customers.

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 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: GA

Complaint narrative:
Violations of public policy have occurred in operation of this account. Information involving debt ( {$830.00} ) is being reported negatively and fradulently to three credit bureaus. There is no valid contract regarding account. Resolution of collections status reported to three credit bureaus is the only lawful resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: KS

Complaint narrative:
The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I made several good faith attempt to settle my account with Santander. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I contacted Cash Central via Telephone Calls, Emails to let them know that I needed to close my account and send the payment through US Mail. On XXXX XXXX, 2017 I sent Cash Central a Money Order in the amount of {$150.00}. Then again on XXXX XXXX, 2017 purchased another Postal Money Order & mailed this payment in, leaving me with a XXXX  Balance. I PAID in FULL my balance from a loan this year. I received a call from a Collection Agency and I informed him, my account with Cash Central had been PAID IN FULL. I am ill & do not feel/believe it is my job to work for Cash Central nor the Collections company! Cash Central is saying I have two accounts an OLD ACCOUNT Dismissed thru Chapter XXXX Bankruptcy! No I only owed & paid for the account from Cash Central for {$300.00}. Now they want me to call around & repair what they did by selling my account to a Collections Agency. I had arrangements as I spoke with Reps. XXXX. XXXX, XXXX on XXXX XXXX, 2017 ; Again XXXX XXXX, 2017 & XXXX XXXX, 2017. I sent both Money Orders as agreed upon. I was told to send it to : Cash Central, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. Acct. # XXXX - Spoke with XXXX. This is another address given to me over the phone : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. PLS. take care of this as I am ill & I do not need this Stress over the reps abusing/disrespecting me as a Consumer. Do you have a great Attorney that would be interested in suing Cash Central?

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 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I cancelled my XXXX XXXX in XXXX 2017 and gave 30 days notice. They billed my credit card in XX/XX/XXXX, which was for the month ahead, XX/XX/XXXX. XXXX XXXX makes you pay in advance for the month ahead. I no longer had XXXX XXXX so assumed this was a mistake on their behalf so I called my credit card and stopped the payment. They have now sent me to a collection agency. 

I was a customer of XXXX XXXX for years and always had paid my bill using autopay. I had never not paid my bill nor had I ever paid it late. Why they would think I would not pay a bill that I owed is beyond me. It is a mistake on their behalf. They need to listen again to the recording of me calling them to cancel my service. They say the calls are recorded for customer protection so now I would like them to use the recorded call as evidence to support my story. 

I am not paying for a service that was cancelled a month prior and that I no longer had and feel that I am being bullied by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: J&L Collection Services
State: CA

Complaint narrative:
On XXXX XXXX, 2017, caller " XXXX '' from J & L Teamworks of XXXX California ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) called my father and informed them that I had a medical debt. I believe this violated section 808 ( b ). In addition, they did not notify me first of any debts associated with my account. They did not call me first. 

I believe the remlevent provision is : ( b ) Communication with third parties Except as provided in section 1692b of  this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEVEL 4 FUNDING LLC
State: AZ

Complaint narrative:
I continually receive multiple unwanted SPAM emails from this commercial mortgage broker every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

Hi XXXX, Please remove my email address from your automated emails and marketing : XXXX Thank you, Live Support Chat Your Name : [ XXXX ] Hello! My name is XXXX. May I have your name please so I know who I 'm chatting with? 
[ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] mailto : XXXX  [ Visitor ] Please remove my email address from your automated emails and marketing XXXX Thank you [ XXXX ] I have that noted. may I have your name please? 
[ Visitor ] XXXX [ Visitor ] I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you [ XXXX ] Alright. Thank you for contacting us. Please do not hesitate to contact us again if we can be of further assistance. Take care! 

I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TX

Complaint narrative:
While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to LVNV Funding. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
Upon viewing my credit reports I notice a negative mark from the following compan y, American Collections listed on my credit report as a debt owed. I have never been in contact
with anyone about this allege debt. My consumer rights to dispute this allege debt has been violated. Which puts the company American Collections in Violation of the FDCPA 15 USC 1692 for numerous of Violations. 

Due to American Collections violating the FDCPA and my consumers rights the company and its employees has caused me irreparable harm and defamation. Which will follow with a tort claim. 

For the record, I do not have a contract with this company American Collections, I have never received funds from this company, nor have I ever gave this company consent to have access about my personal information or to use my identity to try and gain profits. 

American Collections is in violation of the HIPPA Privacy Rules and breach Confidentially. This Company did not provide me a HIPPA Release that I gave them any consent about my health or other personal Information.
This company is again in violation of the FDCPA and HIPPA Laws and caused me a great amount of damage.

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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My identity is under threat of being stolen. Loss of significant funds. They did not provide sufficient protection of my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Today, XXXX XXXX,2017, I tried to access my Equifax report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the Equifax data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the XXXX report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Having problems trying to freeze my account information after the security breach at Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. I have sent this company debt validation letters and have only received invoices in response. I advised them that these amounts are highly inaccurate but they have asked me to pay and tried to sue me for the amounts they have listed on statements. They have not verified that the statements were the very last statements of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

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 2017-09-15 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: FL

Complaint narrative:
I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: FL

Complaint narrative:
I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

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 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I am divorced and my ex-husband is 100 % liable for medical bills when he does not have our children insured. During a period when he did not have them insured, XXXX of our children had to go to the ER several times. Because I was the parent that took our child to the ER, they named me the guarantor and billed me for the visits to the ER. I contacted the hospital and provided them with the divorce decree which clearly states my ex-husband 's liability. They said there was nothing they could do. Eventually, the debts went to collections and are now reflected on my credit report. In XX/XX/XXXX, the first two, in the amounts of {$720.00} and {$520.00}, were reflected as derogatory marks which have negatively impacted my credit score. The third debt in the amount of {$310.00} showed up on my credit report in XX/XX/XXXX which further reduced my credit score. I initially contacted Medical Data Systems Inc., the collection agency, in an attempt to resolve the issue. They informed me that there was nothing they could do. On XX/XX/XXXX, I sent letters of dispute with proof of my ex-husband 's liability to all three credit bureaus and to Medical Data Systems. I have not received any correspondence from XXXX or XXXX, but XXXX  sent me a report on XX/XX/XXXX, showing the debt and the derogatory marks unchanged. Medical Data Systems also responded with a letter stating that they intend to continue reporting my debts to the credit bureaus. With legal proof from a court of law and signed by a judge clearly defining the party responsible for these debts, it is inconceivable that I am still being held responsible and that the credit bureaus and Medical Data Systems Inc. do not recognize the law declared by a judge and are not willing to work with 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 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I CONTACTED MACYS ON XX/XX/2017 AND XXXX XXXX 2017. I ALSO RECEIVED AN E-MAIL FROM XXXX XXXX. I MADE SEVERAL ATTEMPTS TO PAY OF THIS DEBT, BUT DUE TO STATUE OF LIMITATION THEY COULD NOT DO A SETTLEMENT OFFER. THEY DID NOT WANT TO ACCEPT PAYMENT.

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 2017-09-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a prior CFPB complaint against Wells Fargo. that was filed in XX/XX/XXXX ( CFPB Case # XXXX ).  This saga continues unresolved. 
Wells Fargo is the second lien holder on my property. They told me once my first lien is modified by XXXX XXXX under HAMP & Making Homes Affordable,  Wells Fargo would follow suit, per Second Mortgage modification Program ( 2MP ) as obligated by Servicing Program Agreement ( SPA ) signed by Wells Fargo in XX/XX/XXXX with the Treasury Department. Now they refuse to live up to their obligation. 
Second Mortgage Modification Program ends on XX/XX/XXXX. They have been stalling since mid XX/XX/XXXX to  exhaust this deadline. They are required to " mirror '' the 1st lien holder 's Modification terms, and since my property ( in Florida ) is severely underwater, forgive part or all of the principal ( per Making Home Affordable agreement ).
Every phone call and follow up with Wells Fargo is costing me an additional 15 days for them to respond. PLEASE DO NOT EXTEND THEIR RESPONSE TIME.

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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My credit score/report, XXXX/XXXX 2017. delete my AMX data totality. AMX Credit card has been with me for 15 years with a excellent payment record. I called AMX Credit Bureau dept to get it fixed. AMX advised it would be fixed. AMX has done nothing. I wish to lodge a complaint on AMX. I am still with an AMX credit card ... .still with excellent payment record. However, it is no where to be found on my credit report. This should linger on AMX customer service records ( AMX License to do business ) for 7 years, as it would on my report if it was a bad remark.

Company response to consumer: Closed with explanation