vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: VA

Complaint narrative:
Following was the sequence of events that happened to me with a purchase from XXXX Day after XXXX opened a XXXX from XXXX with purchase of XXXX dollars. Do not remember signing up for paperless statements, but I missed the XXXX statement, their rep called me on XXXX XXXX, I asked for a waiver on late fee, and they agreed to it, I wanted to pay it off in full. Since I was driving when she called did not remember the original amount, I just asked for full payoff amount which was she said was XXXX dollars, but she gave me minimum amount due. For next XXXX months I did not get any bill in emails or hard copy. I got call from collection agency in XX/XX/XXXX, that I owe XXXX dollars. Most of which are late fee. Now when I am disputing that I asked for full payment in XX/XX/XXXX, they are saying that it is only minimum payment, when I ask for voice recording, they said they can not provide. Since our agreement was only verbal, that is the only proof I have. Are there any other options for me apart from paying XXXX dollars which I think is totally not fair. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NH

Complaint narrative:
On XX/XX/2017 My wife and I received a credit bureau notification that there was a change to our credit reports. Upon checking the change, it showed that we were 30-60 days late on our mortgage. My wife and I had paid the mortgage each month as required. My wife however had made partial payments in the month of XXXX and XXXX with the full balance being paid by the XXXX of the month. When speaking with our company Loan Care, they said that this happens a lot and on their statements, they say that partial payments are held and when the entire balance is paid, they release the funds. In this case, the funds were applied to the principle balance and from XXXX until XXXX, we had been late, and had been accruing late fees etc. and were never given a phone call to say that we were late nor a letter saying we were late. When we called Loan Care on XX/XX/2017, we asked why we were never notified and we were told that they did n't have to notify us since we are able to access our account on line. Upon speaking to them further they said that the issue happens often and that they were going to fix the problem and update the credit agencies and notify them that this a mistake. As of the writing of this complaint XX/XX/2017, the issue has still to be resolved and our credit reports are still showing us late. We have called no less than 6 times and spoken to several employees who have assured us that the issue was being taken care of and wold be expedited and fixed within 5-10 days. This was almost 50 days ago. We do n't receive calls back when we are told we would from management, our credit reports have taken an unnecessary " hit '' of nearly XXXX points and this company has done nothing to fix or help us when they said they would. Each time we call, we are told by another employee that the situation will be resloved and are given their apologies for the misunderstanding. We are both XXXX and pay our bills accordingly. On today 's date XX/XX/2017 we were told that the issue would take another 5-10 days and that there are XXXX departments currently working on our issue. This is the poorest customer service my wife and I have ever experienced and people who are dealing with this company need to be warned.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have disputed the information with the company more than once. They pass it off to the original company and let the original company do their own " investigation '' they always come back with everything is right. They could not prove the debt in court and lost the case and I have the court papers for no judgement plus in my credit report that I have desputed I stated that the supposed original company closed the account on XX/XX/2013 and that XXXX was opened in XX/XX/2013. That is fraudulent reporting! I have said this to equifax and XXXX. For them to not investigate and pass it off and not take it off my report and just keep allowing the company to keep reporting this false information is illegal. I have also reported this to the attorney general. This is not right, for a junk debt collector to be allowed to do such a thing and what is worse that equifax and XXXX allow it. The credit reporting companies do n't attempt to investigate what is reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XXXX XXXX I received a call from someone stating I had been approved for a loan, I told them I did not apply for a loan and they started telling me I filled out an online application in which I did n't, they mentioned that someone had used my social to apply for a loan, I then recieved a call from another loan company regarding a personal loan. Since they had my email address, I went into my email address to look to see if there was anything in my email in regards to a loan, this was on XXXX XXXX. I checked my reports on XXXX and saw a vendor XXXX listed for a hard inquiry, I saw in my email their number and I contacted them and let them know I did not apply for a loan and that they had information with my correct address, wrong birthdate, correct name and email, but wrong place of employement. I looked on XXXX and saw that my profile was listed to include XXXX XXXX XXXX which is not where I work. I did a dispute for the loan but did not see anywhere to put for incorrect reporting for XXXX XXXX XXXX. Last week, I put a 90 day freeze on my credit bureaus for safey. I have contected XXXX XXXX and they asked me to come in and get all the documents and also to call a number to see about getting the hard inquiry removed, I also need XXXX XXXX XXXX to be removed because I work full time for XXXX of XXXX XXXX. In addition to filing this complain, I will also file a police report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I reviewed my credit report on Credit Karma and noticed that my XXXX report has been effected. As a result all of my inquiries from my XXXX report were removed on XX/XX/2017 and added back to my credit report as new inquiries. They also removed my only collection XXXX and placed as an active account during the same. The information has not been corrected and still shows the same information as of today XX/XX/2017. This is detrimental to my credit report as it is not only incorrect information but it is also interfering with and prohibiting my process of buying a home. I have attached all documents showing how inquiries were removed and added as new inquiries and collections being removed and then added as an open account. I contacted XXXX and they are stating that they are not responsible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: ID

Complaint narrative:
In 2014 my doctor requested that I receive a screening from a company called XXXX XXXX XXXX ( XXXX ) The marketing material provided there would be no cost to me as the patient if my insurance company did not pay the bill. Subsequently, XXXX was found in violation of the Fair Claims Act by attempting to defraud insurance companies and Medicare, and by providing kick-backs to prescribing doctors.They were forced to pay millions in fines and were forced into bankruptcy. 
A week ago I was contacted by XXXX XXXX, a representative of Monterey Financial Services, XXXX XXXX XXXX, XXXX, CA XXXX demanding repayment of charges amounting to {$3700.00}. I have disputed the claim, but fear the company will continue to harass me concerning this. In addition, they are certainly going after many others. I believe this is a clear violation of several laws, including the Fair Debt Collection Act, and would appreciate any assistance you might be able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio RC showed up on my XXXX XXXX report for both reporting agencies. On XX/XX/XXXX I called the number and asked for information regarding the alleged debt. I spoke with XXXX XXXX who could n't find the debt. She found a XXXX XXXX XXXX collection dated XX/XX/XXXX and the information did not match up to me. I told her that my credit report reflects XXXX in the amount of {$680.00} and i currently have an account with them with a XXXX balance. She transferred me to XXXX who could n't find the debt, however XXXX told me that I had to send in a copy of my credit report so that I could prove I was n't the debtor. On XX/XX/XXXX I called back and spoke with XXXX. She did n't find a debt. She transferred me to XXXX in disputes. He checked the XXXX and reported that it was purged in XX/XX/XXXX. He told me that I had to prove that there was on my credit report because he did n't find the debt. I emailed a screen shot of their company on my credit report. I followed up that day and spoke with XXXX XXXX who checked and checked and found nothing. She put notes on my file that there is nothing there and the mark should be removed from my credit report. I called XX/XX/XXXX spoke with XXXX who said he would n't do anything I just have to wait. I have no idea what I was supposed to wait for. I called back and spoke with XXXX. I was honest and told them that I was contacting this agency. XXXX got XXXX who is a manager. XXXX looked and looked and found nothing. He told me that he would look deeper and call me back in 2 hours. He did n't call so I called back. I spoke with XXXX XXXX and asked for some record that I owe anyone anything. He said he had nothing to show me at this time and I would just have to wait up to two weeks for them to find something.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
In the XXXX quarter of XX/XX/XXXX, my credit score was impacted adversely due to a medical bill that was reporting adversely in error to the Credit Bureau. This bill was paid in full ; however, the medical provider posted the payment to the wrong account which resulted in the error. During this same time, I made a significant large payment to Citibank. Within days of making the large payment, Citibank reduced my Credit Line from what was over $ XXXX to my revolving balance amount. When I called about the reduction I was told it was due to my FICO. Between the medical bill and the CL reduction, my XXXX decreased over XXXX points. I researched the issue with the Credit Reporting Agencies and found the medical bill error. This was corrected on all XXXX Credit Reporting Agencies by XX/XX/XXXX. My FICO then increased over XXXX points. In XX/XX/XXXX, I had contacted Citibank about restoring the line back to the original limit since the reduction had effected my score as well. I was told that they could not give me a reason why and I would have to wait until I received a letter. I requested to escalate the issue and was told that no one could take my call. This is unacceptable and it is a bank Regulation to provide a reason for adverse action. I am currently making over $ XXXX a year with $ XXXX in income through a XXXX property.I have been actively paying down my accounts in the past year. I think that this treatment is unfair and breaking the Regulations set forth. I wish to have my credit line restored to the original limit with no intention to use, only to improve my credit score. I am in the process of buying a home and this issue is preventing me from obtain the best avaliable option. I have paid my account on time since opening the account over XXXX years ago and I have alway paid the fees associated. Please consider restoring the Credit Line and address the Regulation violation. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I called CareCredit billing inquiry specialist -XXXX # XXXX at XXXX this morning of XX/XX/2016 about the closure letter they sent in regards to my complaint on a transaction charge. I tried explaining my issue in regards to product and services received was questionable raked with QC issues. She iterated that there was nothing she could do and that they are a bank only. I tried explaining that the product was defective in which I was charged {$650.00} for a XXXX that was less than 3 months old that never fit the first time XXXX. I explained that it broke upon removal XXXX twice. The final time it broke the XXXX refused to fix it or replace it and was told it would not be fixed. This is a lemon the 1st time I received and paid for the said product and it never worked accordingly with Quality issues. I explained that I should have to pay for this costs since it was a lemon to begin with.The person I spoke to was ignoring my plea and insisted that this was a bank only and refused to help. I even mentione dthat no one ever called me in regards to the investigation to hear both sides of the story or whether I have the option of formally writing in to dispute the claims made by the other party.In addition, when I requested to speak with her supervisor, I was told immediately that she was not available. When I asked to speak with the Dept Head, I was told the same thing - not available. When I insisted, she said that someone will call me back within a couple of days. This is a total brushoff. I am paying {$650.00} for a product that is defective from the start. I am not getting any fair credit card protection in this case nor any fair compromise or recourse.

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 2017-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX filed a complaint with Chex Systems Inc. which resulted in a joint account of XXXX XXXX & XXXX XXXX was closed without notice. My personal account at XXXX was closed also. We were told to contact XXXX and Chex Systems to find out why. At the time the XXXX account had several hundred dollars and my XXXX account had over {$9000.00} all of which was refunded to us. These accounts were in XXXX, Ca. I have not been able to open a bank account since which is an extreme hardship. 
In XX/XX/XXXX, I wrote Chex Systems a letter to have the negative information removed but they refused stating XXXX would not withdraw the complaint. I need to open a bank account now as I have accepted a job in XXXX, Ca. but am unable to open an account which I need for auto-deposit payroll as well as my Social Security! I recently wrote Chex Systems a letter to again request removal of this negative information. I do not believe I should be banned from having a bank account for unknown reasons and have no way to have bad or fraudulent info removed from my credit history! 
Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This stated with a deposit being made at this sub par branch into y account with a check. 

I was notified that out of the {$5000.00} deposit, {$1000.00} would be available the next day. When I check the next day there was only {$200.00} available. 

Please note that this was my wedding anniversary and I was in XXXX XXXX counting on this money to be there ... in fact I had already spent $ 300+ of it on our dinner ... Well Fargo rubbed salt in the wound by charging me a {$35.00} overdraft fee. 

When I called client support the XXXX person who answered was apologetic and went through the normal script routine and when I was told they could not release the funds I asked to speak with a manager who spoke from the same script. 

They stated the only people who could release the funds was the branch itself which I was then transferred to. The person who I spoke with went along the same script ... again ... when I stated with conviction that I would be taking legal action he transferred me to XXXX XXXX. 

Her inability to solve simple problems and how she seemed to enjoy to openly disrespect a U.S. Veteran, on his anniversary, proved she is incapable of her current position. 

This branch will lie, cheat, and steal and I look forward to publicly shaming them on a continuous basis until a public apology is submitted as well as a substantial settlement. 

It should also be noted that when the deposit was made via check, an option was given to deposit cash to ensure availability but since the {$1000.00} was stated to be available we did not go with that option or the option to deposit the funds into XXXX where my wife banks ... and where I will be shortly. 

CFPB, FTC and the Attorney General are also being notified in addition to legal action being taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
I CHECKED MY CREDIT REPORT AND THIS COMPANY TODD, BREMER & LAWSON INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SOUTH CAROLINA XXXX. XXXX - XXXX. IS LISTED ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS company. THIS ACCOUNT IS INACCURATE AND HAS NOT BEEN VERIFIED. I DID NOT RECEIVE NO INFORMATION ON THIS DEBT. UNDER THE FCRA 15 U.S.C 1681i ALL UNVERIFIED ACCOUNTS MUST BE REMOVED. THE COLLECTION COMPANY PICKS ACCOUNT AND JUST PLACED ON MY CREDIT AND I HAVE NEVER WENT TO COLLEGE, NEVER WENT TO A UNIVERSITY XXXX. THE COMPANY ALSO HAS FEES LISTED FOR THEM. THIS NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc.
State: OH

Complaint narrative:
Dyck Oneal has been reporting on my credit report a collection in the amount of {$32000.00} which is not mine and Dyck Oneal is illegally transacting business in the State of Ohio by continuing to try to collect a debt from me and I am a resident of the State of Ohio. According to the Ohio Secretary of State : Ohio does not have a specific requirement for collection agencies or debt buyers to be licensed in the state. However, any business, regardless of location, that " transacts business '' in Ohio is required to register with the Secretary of State. Dyck Oneal is not registered to do business in the State of Ohio.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I received a collection letter saying that I owe {$260.00}, from an outstanding debt with XXXX in a checking account # XXXX which was transfer to XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted XXXX directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I had an auto accident XXXX, XXXX, and XXXX XXXX over the next 2 and a half years. After my doctors told me that I would never be able to work in my vocation again I canceled all my accounts XXXX XXXX. I filed with each of my loans and credit cards the payment insurance/assurance purchased through the respective creditor. All of these account are beyond the 7 years provided by FCRA. I was diagnosed with XXXX in XXXX XXXX. I have n't worked since XXXX and unfortunately living in Louisiana during XXXX XXXX XXXX. Than XXXX the XXXX XXXX XXXX XXXX XXXX XXXX. Each of these catastrophic event devastated our economy, add to that each of my medical issues. This credit report needs to be straighten out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I tried to access the free credit report through the FTC site XXXX and was unable to access. I decided to pay for it and I was charged {$12.00} for a Equifax report and was unable to access it. This is a ripoff with the FTC promoting it.

Company response to consumer: Closed with explanation