vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/2019 I submitted a credit freeze and fraud alert request to Equifax. As of today today XX/XX/2019 I have yet to receive a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: BMO BANK NATIONAL ASSOCIATION
State: AR

Complaint narrative:
2 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS OR BE SUED

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 2019-11-11 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
2 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS OR BE SUED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
LAST CHANCE TO SETTLE OUT OF COURT ONEMAIN FIANACIAL AND XXXX, ON XX/XX/XXXX XXXX  SUPRESSED OUR CREDIT FILES BECAUSE WE KEPT CHANGELEDGING THEM THAT THEY KEPT ALLOWING PROMO INQURIES AFTER OPTED OUT IN XX/XX/XXXX. AS A RESULT XXXX XXXX XXXX XXXX, FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX CASE NO. XXXX, CLOSED ON XX/XX/XXXX, THE TRUSTEE LEFT OUR 3RD PARTY CLAIMS FOR YOU AND XXXX   ON THE TABLE TO FILE SUIT.SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I purchased XXXX money orders to reconcile a petty cash. The company deposited the XXXX money orders with XXXX XXXX XXXX, one of the money orders was returned. I contacted Western Union where I purchased the money orders, they informed me that I had to submit a money order research request. I have been dealing with this since XXXX, getting the run around, asking to speak to supervisors and being sent to dead end numbers that dont answer, continually being put off. They are frauds and scammers, meanwhile they still have my XXXX $ cash and I Have a unsettled debt with a worthless piece of paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Was offered a 3 % promotional credit on my Bank of America credit card for payments made under a Home Improvement & Furnishing categories. Payments made to contractors was an eligible payment under this category. Made a {$2800.00} payment for well pump replacement to a licensed contractor but the bank is claiming the payment is being categorized under " cleaning and maintenance ''

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 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express markets the American Express XXXX Business Credit Card as {$95.00} per year with a benefit of receiving 1 Free Nigh Award on your Card account anniversary. However, American Express has changed their terms and conditions to state that the benefit will be issued XXXX after the card account anniversary at which time the customer is also responsible for paying an additional membership fee of {$95.00}. This fee is not refundable after 30 days of being issue thereby requiring the customer to spend {$190.00} to obtain a benefit for the prior year which is false advertising and consumer fraud. 

Description Per Amex Website : Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $ XXXX in purchases on your Card in a calendar year. Awards can be used for one night ( redemption level at or under 35,000 XXXX XXXX points ) at a participating hotel. Certain hotels have resort fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
The financial obligation levied against me was due to a emergency room visit to a XXXX XXXX XXXX XXXX, for an elevated XXXX XXXX, whereby no adequate treatment was provided. The debt is currently being disputed with the original creditor, in addition to an open investigation XXXX XXXX XXXX XXXX of Texas for possible violations, and an open Federal Trade Commission Consumer Complaint for unfair trade practices against XXXX XXXX XXXX. I have contacted AMCOL on two separate occasions, first on XX/XX/2019 and spoke to XXXX, and on XX/XX/2019, spoke to XXXX. On both occasions I was told the dispute was submitted and I would be informed of the results, and at no time I given any specific instructions regarding the dispute process into this matter - instead of being informed of the results or given any path to a resolution, they instead, placed the negative information on my credit file. I have been very proactive in trying to reach a resolution to this matter, only to be blindsided by the deception that has been projected by AMCOL in their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Iam making a final goodwill attempt to have you clear uo this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of 15usc1681, for not properly verified the accuracy of any of the provided accounts i have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, i can pursue litigation to enforce my rights under the FCRA.. i demand my right to be acknowledged to these company immediately. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I had two XXXX  XXXX credit cards prior to XXXX ; between XXXX and XXXX throughout my divorce and adjusting to it, I became delinquent on the credit accounts that were not necessity as I also became a single mother. I did try to work with XXXX XXXX, but my hardships were not cared for through the protection I elected at the beginning of the agreement. However, portfolio recovery is the debt buyer who ultimately obtained both XXXX XXXX accounts in XXXX and XXXX. I am currently showing 3 portfolio recovery accounts, this company has never provided the verification of the debts owed - as well as it appears they are double reporting one of the XXXX  XXXX debts. When one of the balances were originally placed the balance was approximately {$600.00}, currently they are reporting one as XXXX XXXX  XXXX, XXXX. being the original creditor, and the other two as XXXX XXXX being the original creditor. But significantly impacting my credit with double hitting my credit since XXXX. I would like this investigated. They are furnishing incorrect data to the credit bureau and I really would not have known if I did not spend quite some time researching the internet high and low to figure out what XXXX XXXX   XXXX  XXXX. was ; let alone the fact that this institution no longer exists, yet they are attempting to collect the balance twice because of the bank name change between XXXX and XXXX XXXX. This harms my ability as a single mother to obtain the credit I need if needed, but most importantly is a negative impact to my credit score preventing me from qualifying for a home loan to buy a house for my son and I, in which I have no financial help of any kind in raising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Hello. This is a follow-up to ( two ) prior complaints with Barclay 's. The complaint number is XXXX. 

Recap : Barclay 's is reporting an XXXX XXXX XXXX  MasterCard that was opened fraudulently. I asked for validation of the debt. They did not provide anything to me and then after close to two months provided me with fraudulent statements ( they asked for my current mailing address and SSN which I provided in my letter to them. They in turn took my current address - a PO Box - and placed it on old statements ). 

I few months back I went to the police department in XXXX XXXX for file a fraud affidavit. The intake office said he could not sign off on the affidavit because the account/crime was too old. He did provide his business card, which I'm submitting in my documents. So, I had the document notarized. 

I recently received a letter from Barclay 's now saying that the original creditor is XXXX XXXX XXXX and that I would have to contact them for the documents I am requesting. 

First, XXXX XXXX XXXX is not reporting on my credit bureau report - Barclay 's is the one reporting. 

Two, Barclay 's provided me with fraudulent statements. They have no legitimate documents to validate the debt.

Three, why is it my responsibility to now go to XXXX XXXX XXXX for validation documents when they - XXXX - sold the debt to Barclay 's. It's Barclay 's responsibility to validate the debt not mine.

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 2019-11-11 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 — Problem with personal statement of dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
The amount owed is not valid, the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX, my wife and I purchased a vehicle ( XXXX ) using Wells Fargo Dealer Services. In XX/XX/XXXX, my wife filed for divorce. XX/XX/XXXX, the divorce was finalized, and the divorce decree states that my now ex-wife was to retain possession of the XXXX, and was to refinance or payoff the loan to remove my name from the account. She sent in a check to pay it off, and that was the last I heard anything from Wells Fargo or my ex-wife until XX/XX/XXXX. I noticed that I had a derogatory remark on my credit report from Wells Fargo regarding the XXXX loan, and then received an email about a week later from my ex-wife, stating that she cancelled the payoff check and never refinanced, so the vehicle was still in my name. 

We agreed to have the XXXX voluntarily repossessed in XX/XX/XXXX. It is currently XX/XX/XXXX, and they still haven't come to get the vehicle. 

Now, I have this HUGE derogatory remark that has tanked my credit score over 100pts that isn't even my responsibility! Wells Fargo will not remove it from my credit report, despite having provided them with the divorce decree, signed by a judge, that states my ex-wife is responsible for the XXXX. I wish I could sue them, but I can not. 

I have disputed this with all 3 credit bureaus, to no avail.

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 2019-11-11 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: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
On XX/XX/2019, I received a reply from SunTrust Bank via postal mail stating their position that the inquiry is valid and factually sound. The documentation SunTrust also followed up with via file upload to the CFPB website answering my complaint was information about me requesting a loan or some sort of services from their institution. 

After a full review of the documentation displayed by SunTrust Bank it is clear there is no application of consent indicated within this unknown paperwork. 

There is no wet signature, nor a recorded phone call to indicate that I personally spoke with this company for any type of services. 
There is no e-file signature, or electronic consent indicated in these documents to prove the statement provided by SunTrust is factually sound. 

I request that SunTrust produce sufficient and clear evidence as stated in the Law according to the FCRA to prove I consented to a fraudulent inquiry with proper and required signatures or applications baring my name consenting to this illegal breach of privacy.

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 2019-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
about 6 or 7 months ago we made a small contribution to act blue a political organization. since then we have been charged on a " recurring charge '' many times. we contacted capitalone and told them to delete all these charges. we have been told that our complaint is under investigation .but has never been corrected. the balance due as of now is more than {$600.00} and has been going on for months. i am XXXX and my wife is XXXX it is beginning to affect our health. your help to eliminate these charges is appreciated. please contact us to assist in resolving this matter. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
LAST CHANCE TO SETTLE OUT OF COURT XXXX XXXX AND XXXX, ON XX/XX/XXXX XXXX  SUPRESSED OUR CREDIT FILES BECAUSE WE KEPT CHANGELEDGING THEM THAT THEY KEPT ALLOWING PROMO INQURIES AFTER OPTED OUT IN XX/XX/XXXX. AS A RESULT XXXX XXXX XXXX XXXX, FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX CASE NO. XXXX, CLOSED ON XX/XX/XXXX, THE TRUSTEE LEFT OUR 3RD PARTY CLAIMS FOR YOU AND XXXX  ON THE TABLE TO FILE SUIT.SEE ATTACHED.

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 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
I received a phone call from XXXX XXXX XXXX XXXX in XX/XX/2019 regarding an outstanding debt in the amount of {$1200.00} for medical services that I received a couple of years ago. They asked if I would be able to pay the outstanding balance and I said that I would not so they proceeded to negotiate an amount of 50 % of the total debt that I agreed to pay. They said that the {$640.00} would take care of the total debt that was owed and they would provide a document stating this as soon as it was paid. I mentioned that I would be able to make an initial payment of {$200.00} and pay the balance in early XX/XX/2019. They agreed to this arrangement and I went ahead and made the first payment of {$200.00} on XX/XX/2019. I received the second phone call from them XX/XX/2019 for the request of the final payment of {$440.00}, I requested my payoff notice prior to paying and the representative said that it would be provided as soon as the final payment was made. Therefore I went ahead and provided the representative with my debit card information for the payment of {$440.00}. He processed the payment and I asked for the payoff notice and he stated that one would be emailed to me in 10 days. I said ok and he provided me with a paid receipt. I received another call from them on XX/XX/2019 @ XXXX XXXX  requesting another payment of {$60.00} something dollars which I promptly mentioned to the same representative that I had thought that the whole debt was paid for already and he said that it was not so I said that I would not be paying that amount and would take care of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
XXXX charged off my debt and MRS BPO LLC took over the account. I contacted MRS BPO LLC. Resolved my debt back in XX/XX/2019. XXXX has not reported to the Credit bureaus that this debt has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Uplift, Inc
State: GA

Complaint narrative:
Uplift INC. has made an unauthorized inquiry on my report causing it to drop in points

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My mortgage loan is currently serviced by Bayview Loan Servicing ( BLS ). Due to serious accounting issues that were discovered through QWR, Bayview agreed to work through the loan modification process to mediate the issues. BLS has now refused to underwrite the loan modification submission and will no remit a copy of the denial. BLS is required per HUD and CFPB law to remit a copy of the loan modification denial, in order to allow for a formal appeal to be entered. Furthermore, BLS has set a foreclosure sale date of XXXX, without granting allowance for a formal appeal. The CFPB law that was revised in 2014 clearly states that homeowners must be clearly informed during the entire loss mitigation process, so they can take the necessary steps to avoid foreclosure. BLS has clearly violated the CFPB law, so I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IN

Complaint narrative:
For the year of XXXX, I was on an income based repayment plan for my student loans from law school. I was paying {$130.00} per month, which was very manageable. 

When I went to recertify my IBR in XX/XX/XXXX, the website on which to recertify was not working. This website was myfedloan.org. Due to the website being down, I had to submit my recertification late. 

I have called and called and called and called, several times, over the past few months, and have never gotten a response from the contact number listed on myfedloan.org. I am either put on hold, only to be hung up on ; or when I press the number that will have them call me back, they never do. 

All of this has caused my monthly payments to jump from {$130.00} per month to {$1400.00} per month. I can not afford to pay {$1400.00} this month. 

Furthermore, when I was finally able to get my IBR recertified, my new income-based repayment was calculated to be {$450.00} per month, starting next month ( XX/XX/XXXX ). This is a {$300.00} increase from my original payment schedule. 

I can not afford to pay {$1400.00} this month, nor can I afford to pay {$450.00} next month. I wish to have my payments returned to {$130.00}.

Company response to consumer: Closed with explanation