vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX

Complaint narrative:
Roberts Markel Weinberg Butler Hailey PC a Texas law firm XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Texas XXXX ( XXXX ) XXXX-XXXX Specifically : XXXX XXXX TBN:XXXX XXXX and XXXX XXXX TBN : XXXX XXXX filed a Lis Pendens against my property for the sole purpose of debt collection and a debt not owed by me. 

The courts have repeatedly ruled that a Lis Pendens can not be used as a debt collection tool and the person filing the Lis Pendens must be claiming that they have rightful ownership or right of ownership to the property and are seeking to take ownership of the property. This law firm is using this as a tool to block the sale of a property, because they know that in order to challenge the validity of a Lis Pendens, a knowledgeable attorney will need to be found and hired to challenge it. 

This prohibited me from being able to sell the property in a timely manner and damaged me as well as my potential purchasers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: MS

Complaint narrative:
I have submitted letters to all three creditors to have my personal information updated, such as ; my name, and address, but unfortunately some of my information is still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ; XXXX and XXXX are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a student in XXXX, 2015 and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I have received no notification of debt just showed up on my credit report my bill for XXXX XXXX was {$0.00} when I moved out XX/XX/2017 this is not my 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 2019-06-06 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: FL

Complaint narrative:
XX/XX/2019 I tried to get my credit report and score and all efforts prove futile, so XX/XX/2019I called Experian, XXXX and XXXX and was told that they are unable to process my request because there are some discrepancy with my social security number. Once I heard that I immediately contact XXXX and told them what I was informed of and they told me that they dont know why I would be told that by the bureaus because I am verified via their system. 
I am who I say I am and I dont know why it is that i am being told I have discrepancies on my social security number when I just got my number this pass XX/XX/XXXX. Please help me fix this problem.

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 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
{$500.00} was fraudulently removed from my Wells Fargo bank personal checking account and has not been refunded to me. The transaction occurred on XX/XX/19 at a bank branch approximately XXXX miles from my home. I did not make the withdrawal.

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ; Experian and XXXX  are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a XXXX in XX/XX/2015 and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.

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 2019-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bloomingdale 's may have violated the Equal Credit Opportunity Act ( ECOA ). 


This is made clear by their having denied my application on the sole basis of the " number of credit bureau inquiries '' on my credit file and further exemplified by their clear dismissal of my reconsideration letter. In the aforesaid letter, I had made it clear to Bloomingdale 's credit services that it had come to my attention after receiving their " denial letter '' that there were a number of unauthorized pulls on my credit file, which I then brought to the attention of XXXX, who after investigating the matter, ruled in my favor and promptly deleted the unauthorized inquiries. 

Since it was expressly clear that the inquiries were the alleged reason for their denial, it lead way to a reasonable inference that if this was rectified, that Bloomingdale 's would thereafter extend credit to me as the reason for the inquiries on my file were not to a fault of my own. 

Yet, I have not heard from their credit service department and they have refused to discuss this further with me over the phone when I called. It is clear to me in the way they have addressed me over the phone ( with such disdain, even mocking my name as it was not a novelty for them in their rejection pile ) and in ignoring my correspondence, that they are clearly discriminating against 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 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TX

Complaint narrative:
XX/XX/XXXX I signed up for service with XXXX XXXX in XXXX XXXX, Florida. In XX/XX/XXXX, I left XXXX and moved to XXXX. There was no XXXX service where I moved. I had paid all my bills and returned all equipment. In XXXX, I began to receive bills charging a " cancellation fee '' of {$180.00}. Not remembering agreeing to any such fee, I contacted the company and asked them to please send me anything with my signature or initials that i had agreed to any " cancellation fee ''. They did not respond. I started receiving letters from collection agencies. I contacted them and told them the same thing : send me anything with my signature or initials that i had agreed to any such " fee '' and I would pay it. Nothing. Instead they reported me to the credit bureaus, I disputed the charge and it was immediately removed from my report. 
Now, today I recieved a letter from another collection agency : AFNI XXXX. XXXX XXXX XXXX, IL. XXXX, attempting to collect the same debt. I called, talked to rep named " XXXX '' and explained to debt was not owed unless they could produce and send me any document with my signature or initials agreeing to the debt. She argued with me for several minutes and I ended the call explaining that i did not owe the debt. 
I would like for XXXX and their agent to either supply me with signed documents proving the debt, in which case I will pay it or leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX ; XXXX and Transunion are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a student in XXXX, XXXX and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.

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 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Have received numerous calls from Portfolio Recovery Associates from spoofed numbers. Today XX/XX/19 XXXX EST auto dialer there was a long pause before someone responded. They asked for me by my old last name ( prior to marriage ) and stated this was a recorded line. I told the woman on the line that clearly due to the long pause they are using an auto dialer and that I have numerous times ask that they not contact me. They have also called my cell I have since changed it due to their repeat calls, I block their number and they call back under a spoofed number. 

Prior letters this company have sent were for a time barred debt so they stated they could not sure but continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
My Credit score is / has been in the 700s, and this company continues to charge a ridiculous rate of 27.24 %, which Charges me Approx {$22.00} a Month interest every month. 

I called the company several times and they keep saying, We do not have a promotion at this 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 2019-06-06 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: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
In XXXX  XXXX XXXX ( now XXXX XXXX XXXX ) included me on a judgement that that they had no legal ability to do. I received a court order to remove my name from the judgement. The HOA/Management company hired Thunderbird Collection Services ( TCS ) to collect on this inpropoer judgement. I have disputed this debt at least 20 times over the years, spoken with TCS and XXXX XXXX  and to no avail - it is still currently listed as a collection on two of my three credit reports. This incorrect posting by TCS has prevented me in qualifying for auto and home loans. The credit bureaus have contacted TCS to confirm the debt and TCS has continued to confirm the debt - despite the fact that I have provided TCS with a copy of the court order removing my name from their judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
New Rez became our mortgage servicer a few months ago ( XXXX XXXX   was the original servicer ), and they placed insurance on the property because they did not secure proper documentation from XXXX XXXX   indicating that we already had that. Once they informed us, we quickly sent them the necessary information. On XX/XX/XXXX, we have a letter from new Rez indicating that we had successfully proven our insurance coverage on the  property and the lender placed insurance was removed. On our XXXX mortgage statement, we observed the cost of the lender placed insurance along with a refund for that amount in full on XX/XX/XXXX, indicating indeed that our lender placed insurance was removed. Nonetheless, our mortgage payments went up as a result. I called customer service and they told me that our escrow balance was indicating a shortage because of that lender placed insurance so I had to request an escrow analysis. I did so in the beginning of XXXX. They told me it could take up to 2 weeks for the analysis to be done but once it was, the payment should revert back to the original amount. It has still not reverted despite numerous attempts to call and email them. I called customer service, got bounced around a lot on the phone with no one able to provide any semblance of an explanation for why the payments were still high. On my last call, the representative told me that the lender placed insurance was still indicated on my loan, even though they had sent me a letter 60 days prior saying it was removed. I emailed loan servicing and got no response ( now 8 days ago ). Meanwhile, my payment has still not been adjusted, so they are stealing money each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have health insurance and claim was supposed to.be sent back to.the hospital to.submit because it was not submitted in time hospital was not legally allowed to.charge me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Credit & Collection Corporation
State: MO

Complaint narrative:
I have been getting calls from phone number XXXX telling me to call XXXX and XXXX. They have called leaving aggressive messages on the voicemail for days. I have tried to ignore the calls and threats of turning my info over to the courts and them calling my so called supervisor. Here recent and the thing that mad me super upset was that they called a nearby contact. They stated to them that they knew I lived there and was going to come & drag me out of the house. Well this scared them they contacted me & advised they would be calling the police! That is a major THREAT to my persons & at this point I am going to file a report to law enforcement. I'm also going to initiate a cease and desist order no contact with myself or any associate. No one should be threatened to that magnitude I don't care what or if they owed anything. I'm HIGHLY upset and I'm looking for action to be taken ASAP!! The caller was a britney and XXXX XXXX or who they claimed to be. I called the numbers back and couldn't get anyone on Wednesday. I reached out to the XXXX number today they id 'd as legal services attorneys which I know they are not. They gave me info about the debt being with XXXX XXXX. They gave me the name of global and location services as I stated I had been threatened. They stated that they could not give me info or contact number for this company they used. XXXX who claimed to be the supervisor at legal services was rude and didnt want to help she kept hanging up on me at XXXX. My ENTIRE issue here is me being threatened! I will not stand for that at all you can do your job without making threats I DO NOT WANT TO BE CONTACTED BY XXXX XXXX OR ANYONE AFFILIATED WITH XXXX! They need to investigate the who I will not be threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is reporting incorrectly a collection from the XXXX XXXX XXXX for XXXX XXXX XXXX account number ****XXXX for {$3800.00}. ( Please see page 4 of the attached credit report. ) I lived at this property from XXXX to XXXX. I never signed a lease nor did I ever owe any back-rent. This debt is fraudulent. XXXX and XXXX are reporting correctly. This false reporting is harming my credit score. Please remove this collection line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
paypal closed out my account b/c i filed a cfpb complaint they still owe me {$60.00} which they helded and closed out my XXXX they say b/c i had more than one dispute from the same person i might add so they closed me out and help my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I have had my Discover card stolen from me while I was shopping at the XXXX XXXX XXXX XXXX XXXX, located in XXXX, CA on XX/XX/2018. 
Discover was notified as soon as the loss was realized - basically next day -Police report - XXXX # XXXX - was filed later ONLY because it was expected that Discover would keep the promise to always support its LOYAL customer -Police detective called Discover to confirm the report filed -Copy of the police report was sent to Discover. Discover said that they will hold me accountable for the charge and refused to treat this as credit card fraud. Furthermore, they reported me to the credit bureaus for disputing the account. After months of calling and trying to get this resolved, they told me they wouldn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have health insurance and called both companies when forst reported was supposed to.be deleted and resubmitted insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I've spoke to Chase Bank and they have not provided information about proof of any contract in my name however, I have a document with the name of the debtor and account number with payment history and it does not reflect any information pertaining to my name or personal information. This loan is from the State of Illinois not from Georgia where I reside. The executive agent I spoke with XXXX did not want to remove this information from being reported on my credit file. I was not expecting any problems from this company Chase to remove inaccurate reporting information off my report, it seems to be some confusion that I can not identify when it is clearly an issue with discrepancy with the names and addresses attached to the account being reported and Chase is ignoring the facts and violating my consumer rights and laws from the ( FCRA ) Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I have health insurance was supposed to be submitted to seckndary called both and reported

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 2019-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: WI

Complaint narrative:
XXXX XXXX dob XXXX ssn is XXXX account number XXXX this was for 36 mo wi state law sz after maturity date you can not charge more than 2.75 interest there are charging me 120 % still after the maturity date please remove from my credit report since this is done illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Never received any notification of this debt or.right to.dispute

Company response to consumer: Closed with non-monetary relief