vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-23 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
RECEIVABLES PERFORMANCE {$1000.00} I challenge the accuracy, compliance and reportability of this listing by RECEIVABLES PERFORMANCE, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-23 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: PA

Complaint narrative:
XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had a safe deposit box # XXXX located at the XXXX XXXX MA branch of XXXX XXXX. I mailed the payment on XX/XX/XXXX for the renewal of the box in the amount of {$210.00}. The renewal period was for XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I decided to close out the box I went into the branch emptied the box and returned both keys. The representative that helped me told me that I may be able to get a refund on the fee since the box was closed before the new rental period begins. I could not place a stop payment on the check since it cleared on XX/XX/XXXX. On XX/XX/XXXX I called the XXXX branch and spoke to the manager XXXX XXXX. I explained to him my issue he took my information and said he would get back to me but that " Citizen 's does not like to issue refunds '' but he would see if there was anything he could do and get back to me. Did not ask for my account number or phone number and I haven't heard back from him. I am attaching the Safe Deposit Box Invoice along with the back and front of the check that cleared for this payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc.
State: NH

Complaint narrative:
In XX/XX/XXXX, my ex-husband, XXXX XXXX XXXX, XXXX and I signed a 10 year promissory note which was due to be paid in full in XX/XX/XXXX/XX/XX/XXXX due to the short-sale of the marital home. We had been legally divorced for 6 months, living in separate homes/addresses, and separate bank accounts. For the first 3 years of this repayment period, Dyck O'Neal only sent bills to XXXX. Repeated calls to Dyck O'Neal were unsuccessful. I was always told that it is there policy to only send the bill to the first person on the account. For three years I wrote, " Please send me a copy of this bill so I can pay on time. '' Once they began doing that, I received monthly bills and payments were sent consistently. XXXX consistently paid $ XXXX/month over almost 8 years. My amounts were varialbe over the years, sometimes minimal, sometimes extra. In XX/XX/XXXX, XXXX has a small XXXX as the result of XXXX XXXX   XXXX for 2 1/2 years and was at the VA Hospital in XXXX XXXX XXXX, VT. I was not notified of this by my former step-children until my repeated phone calls to him to check on his well-being. I spoke to XXXX, via phone, and told him that I would send the entire monthly amount and he said that he would pay the balance of the loan. 

On XX/XX/XXXX, XXXX passed away due to his XXXX XXXX XXXX XXXX. I never received another bill from Dyck O'Neal and assumed that XXXX had followed through and paid of the loan. I was notified by XXXX XXXX that my score had gone down and a past 30 day payment was reported. 

I have filed a complaint with the credit bureaus on three separate occassions and won each time. Dyck O'Neal negative reporting was removed, but they keep putting it back on my account. If I'm late 30-60 days, please explain to me how we've paid this debt off 2 YEARS early. I've called Dyck O'Neal customer service again and warned the rep that if they reported the account as late again that I would be filing a formal complaint. Please help fix this for good. They still have not fixed their policy of only notifying the first person on the account despite knowing that we were divorced and living separately before even signing this promissory note. At this point, my credit has been repeatedly and negatively impacted over the years. 

Thank you, XXXX XXXX ( formerly XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was advised to file bankruptcy due to issues I had with identity theft. I called Navient after I was told by the attorney of the balance with Navient. It was around 30,000 of debt. Debt for schools I have not attended. I called Navient often and advised them that they were not mine. 
I completed their request for a police report. 3 times. I filed out their paperwork that I recvd in the mail & faced back. They denied me. I was told that various schools listed are not even open. I moved to Fl in XXXX. In XXXX my is & ss card were stolen. I explained this over & over again. When I speak to them, they continue to advise me to forebear the loan. Nothing is happening. The balance continues to skyrocket. I have tried contacting 1 of the schools and told I could not get any information, bc its not me. How am I in debt to something that I have no clue what it is? Or to get any information to help w the acct to get it resolved & closed. I went through the Dept. Of Education and also filed a report as suggested. The individual told me I would get a letter confirming that it had been resolved. The other concern is when I file a report, I cant give a name or anything confirming who I think abused my identity. Im literally distraught. Its destroying my credit and shows I owe so much, when I actually do not. 
I have attended these colleges : XXXX College XXXX XXXX College XXXX University XXXX XXXX College XXXX College All of these others I have not attended. I also had reported that XXXX college financial advisor had altered my information @ the time of enrollement. Regarding my income & or individuals in my home. I spoke to an advisor for assistance @ XXXX   that told me my report in XXXX that had 6 people in my home. I would really like to get this resolved. This is unfair and I have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect a debt it does not ( or should not ) own. I received two parking citations from the D.C. government in XX/XX/2017. Within the requisite time period, I filed a written request for adjudication with the D.C. Government and I received acknowledgment of my challenges to the citations. ( See attached emails from XXXX  XXXX ). The D.C. government informed me that enforcement activity would be suspended and an examiner would  review my challenges. I never received any further communication from the D.C. Government regarding my adjudication request, nor any notice that my tickets were referred for collection ( which is required by DC DMV policy ). 

On or about XX/XX/XXXX, I received initial collection letters from XXXX XXXX XXXX for the two citations ( see attached ). Those letters stated that I could dispute the validity of the debt within 30 days, and I did so in a letter dated XX/XX/XXXX ( see attached ). The letter further stated that upon receive of a dispute, XXXX XXXX XXXX  would verify the debt and provide me a copy of the verification. I did not receive a response to my letter or any verification of the debt. Instead, I received a second collection letter that made no reference to my prior letter. As I explained in my XX/XX/XXXX letter, my tickets were never adjudicated by the D.C. government and therefore the debt is not valid. Collection efforts should be suspended until XXXX XXXX XXXX provides me verification of the debt ( which I believe does not exist because D.C. never resolved my challenges ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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 was advised to file bankruptcy due to issues I had with identity theft. I called XXXX after I was told by the attorney of the balance with XXXX. It was around 30,000 of debt. Debt for schools I have not attended. I called XXXX often and advised them that they were not mine. 
I completed their request for a police report. 3 times. I filed out their paperwork that I recvd in the mail & faced back. They denied me. I was told that various schools listed are not even open. I moved to XXXX in XXXX. In XXXX my is & ss card were stolen. I explained this over & over again. When I speak to them, they continue to advise me to forebear the loan. Nothing is happening. The balance continues to skyrocket. I have tried contacting 1 of the schools and told I could not get any information, bc its not me. How am I in debt to something that I have no clue what it is? Or to get any information to help w the acct to get it resolved & closed. I went through the XXXX XXXX XXXX and also filed a report as suggested. The individual told me I would get a letter confirming that it had been resolved. The other concern is when I file a report, I cant give a name or anything confirming who I think abused my identity. Im literally distraught. Its destroying my credit and shows I owe so much, when I actually do not. 
I have attended these colleges : XXXX XXXX XXXX XXXX College XXXX XXXX XXXX XXXX XXXX XXXX College All of these others I have not attended. I also had reported that XXXX college financial advisor had altered my information @ the  time of enrollement. Regarding my  income & or individuals in my home. I spoke to an advisor for assistance @ XXXX   that told me my report in XXXX that had 6 people in my home. I would really like to get this resolved. This is unfair and I have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I recently received notice of a new collection account on my credit report. Midwest Recovery Systems XXXX failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation, punishable up to a {$1000.00} fine. This is not okay. I received no communication from this company by phone, email or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I have filed a dispute with the credit bureaus about this company. I do not have any knowledge of this account. This account was reported to all 3 credit bureaus drastically and negatively affecting my credit. I did not receive anything notifying me of this debt nor did I have the opportunity to challenge the debt. All communication regarding this matter is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.  After further investigation it appears this has become a standard practice for this company ( per complaints filed with the XXXX ). The apparently have been no repercussions for these practices as they are yet ongoing. This is causing a hardship for me as I'm in the middle of a job change and relocation. Something needs to be done about this ... how can they continually violate the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: UT

Complaint narrative:
I submitted my basic information on XXXX XXXX, and someone claiming to be XXXX XXXX with Cardinal Financial called as a response to the XXXX XXXX   inquiry. I supplied her with the information ( XX/XX/XXXX ) she needed to get the appropriate rate quotes on HELOC and fixed rate second mortgage options, but Ive received nothing in return. Im concerned this might be identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This company XXXX XXXX keeps calling and harassing my family and friends threatening to send me to jail for fraud for a lease of a phone I sent back to the company XXXX, XXXX because they sent me a brokenness phone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have, in the past, applied for mortgage modifications with Bank of America On numerous occasions since XXXX only to be denied. I recently paid close to 12k in cash in approximately XXXX of this year to pay down my balance and have a final balance of {$3400.00}. I have missed XXXX and XXXX payments due to unexpectedly replacing my roof and emergency repairs to my heating system. My tenant also broke a lease unexpectedly and moved in XXXX. I have called Bank of America and  requested a workout plan k my to again be denied so that they can push me into foreclosure and attempt to take my home for a mortgage balance of less than {$4000.00}. They refuse to provide phone numbers for the Presidents office to provide assistance and allude to the fact that they can start foreclosure proceedi vs at any time over a {$3400.00} balance. I have assured them I can make full payment of my regular mortgage in XX/XX/XXXX if the government does not shut down as I am a government employee which wou.d reduce my mortgage balance to under {$3000.00} but XXXX and Supervisor XXXX Had an said adamtly no there is nothing they can do. BOA has repeatedly denied my modification requests in the past by saying my income is insufficient but it strange that I have made my mortgage payments in excess of 23 years as well as paid them a lump sum of {$12000.00} towards the principle in XXXX/XXXX of this year. This proves outright that BOA is consistently trying to take my home to profit from it and offering no assistance on a {$3300.00} mortgage balance that would be paid off over a period of maybe 3 months. I believe they are committing consumer fraud by not acting in good faith.

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 2018-11-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a Wells Fargo credit card for almost 2 and a half years. It's a secured card. When Inopened the account, I was told the would be graduated to an unsecured card after 12 months of ontime payments and the balance is paid in full every month. I did that for 18 months straight. When they were questioned about why it had not graduated, 3 different reps gave 3 different excuses. I finally quit paying the balance in full every month because they kept giving me excuses. I even got an unsecured card from XXXX XXXX XXXX for the same limit as my Wells Fargo secured card. Furthermore, they have increased my limit by {$100.00} 2 months after getting the card. Yet, Wells Fargo refuses to graduate the card. This is false and misleading so they can keep and pocket the security deposit or not pay the interest on the deposit as they had promised. Finally, there have been times where Wells Fargo does not report it to my credit bureaus unless I complain. This needs to stop before I contact a lawyer and go to all of the media outlets. The reps have even been rude and abrasive when questioned about these issues. One rep stated if I don't like it, they can close the account and I can go somewhere else!! Really??!!

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 2018-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
Doctor billed wrong insurance and called them. I was on XXXX and they bill my old insurance.. The Doctors office said at the time it was taken care of. In the coarse of getting a home loan, my credit was ran. The collection was on there twice under two different names of collection agencies. Both refused to remove when report. We sent in dispute with the credit report and finial one of them was removed. Reached out to collection agency because the doctor is dead. The doctors office can not fix the error. They will still not remove and has cost me so much money, time and stress. I do not owe this and they said even if I paid them they will not remove it. They have been rude and degrading to my lender, mortgage broker, real-estate agent and myself. laughing and hanging up on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: CA

Complaint narrative:
This is a Unfair Deceptive or Abusive Acts and Practices ( UDAAP ) complaint against Key Bank. I had a checking account with a credit reserve account attached to it. I moved away from convenient branch locations and therefore attempted to close the account via written notice and phone calls. I called on 4 separate occasions throughout late XX/XX/XXXX and early XX/XX/XXXX to get it closed. Each time Key Bank personnel said they would handle it but it never got done. The last time ( early XX/XX/XXXX ) I was told that they would contact the branch of origination ( XXXX, WA ) and take care of it. Nothing happened - however they happily continued to charge fees to the account and overdraw it in the amount of {$310.00}. Now it shows up as a negative on my credit report. This is unacceptable - it was Key Bank 's error and I believe they deliberately kept the account open and charged fees against as a revenue generation tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MN

Complaint narrative:
I had a fraud charge on my discover card in XXXX the credit card company determined that the charge was fraud and said they would take it off. There was another series of charges and credits but they still did not fix the original charge. In XXXX the credit card company charged this to my card again. I called to have it resolved they said it was there fault but then charged my card with two more times with a fraud charge. I called them again and they again said it was there mistake and they would fix it. They give me a credit for the two new charges but still did not credit the original charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Snow and Sauerteig LLP
State: AR

Complaint narrative:
COLLECTOR IS TRYING COLLECT ON A DEBT INCLUDED IN AND DISCHARGED XX/XX/2018 XXXX.

Company response to consumer: Closed with explanation