vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have called this company and told them this is not my account, they continue to refuse to accept it. I asked for proof to be provided, they sent me a letter with an address that I do not recognize. 
I am enclosing the letter as proof as well as my XXXX from the government that shows my address from XX/XX/XXXX to XX/XX/XXXX- I also faxed copies of the attached to the company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I originally filed a complaint with CFPB regarding amsher collections.

I also sent a debt validation notice to amsher to which amsher did not respond.

I am filing this complaint on the basis of amsher collections knowingly attempting to collect a debt that is not owed in violation of fair credit reporting act. 

The amount amsher is attempting to collect is for a merchandise that was returned to the merchant, XXXX. Amsher provides a signed receipt for original purchase but knowingly failed to submit receipt showing that item was returned to XXXX. 
Item was an online purchase that was not delivered to me. I requested XXXX cancelled delivery, which it did. thaNot only was item returned to XXXX, the item was not delivered to me. 

Amsher will need to show proof of delivery of online purchase. 

And the XXXX statement ( see last page ) provided by amsher shows a charge for the item and then a subsequent refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
many fraudulent accounts are reporting under my equifax credit reporting agency, these are accounts that i did not open and were opened with out my knowledge, these are accounts that i never inquired it was opened with out my bearing signature and XXXX knows who has opened. please i have been disputing these few accounts ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX AND TWO XXXX XXXX XXXX XXXX i have been disputing these irrelevancies for four months now, i call creditors they do not have anything under my name and address, the social was fraudulently used and misused, please have these inaccuracies removed from XXXX and equifax credit reporting agencies thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank issued cashier 's check on XX/XX/2018 for XXXX from my checking account, and it did not arrive in time to be used due to deadline. Requested the check be returned to account. It has been almost a year now, and they still wont return the money without continuing dragging of feet like requesting the check be returned to a post office box that will not accept certified mail, signed, listed as not used for purpose, and with a letter of instruction requesting where the funds are to be deposited.

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 2019-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my 3rd or 4th complaint. I've submitted a long written statement along with all the required back up documents and STILL Experian can't get it right. Their mismanagement of my information has caused me significant grief and stolen hours of my life and adversely effected my credit score. 

Today ( XX/XX/19 ) in the mail I receive mail that had been forwarded by the old tenant at the house that I used to live ( OLD HOME ADDRESS was XXXX XXXX XXXX ). Even after I just sent all my updated information, they STILL mailed my credit report and an identification number/PIN to my OLD ADDRESS. I don't understand how this can still be happening!!!!!! My credit score has declined since my recent issues with EXPERIAN. Why is no one there accountable????? I can not get a hold of real person, this is insane! Even though I sent them all the corrections addressing all my former addresses, and told them THEY spelled my NAME wrong, they still have not fixed any of it. 

FOR GODS SAKE PLEASE HELP ME, THIS IS RUINING MY CREDIT!!!

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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: NM

Complaint narrative:
JH Portfolio contracted with XXXX XXXX XXXX to collect a credit card debt which I owed. I complied and paid the full amount. When I reached out to XXXX XXXX XXXX, they stated that the account got sold to XXXX XXXX XXXX. XXXX XXXX XXXX states that XXXX XXXX XXXX, is not reporting that my debt has been paid in full. The balance was originally at {$1700.00} according to XXXX XXXX XXXX and is now showing a balance in the amount of {$470.00} on my credit report. XXXX   XXXX said they would take care of it and they have not responded to me for several days. I am getting the run around from all three companies especially XXXX XXXX XXXX. I paid off my balance of this credit card in XXXX of 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advanced Portfolio Group LLC
State: WI

Complaint narrative:
I have sent XXXX other complaints through this form and nothing has been done. I have received another call from a XXXX from a XXXX XXXX from an Advanced Portfolio Group. He goes on to say he is needs statement as he is a pre-legal and it is part of his job. He also called me work, again, after I told this place not to call me last week as it is not allow and my voice mail is shared. This XXXX XXXX also called my ex-husband with personal information. They are not allowed to do that. They already know my contact information, so they are not supposed to be calling family, work and long lost ex husbands. I called XXXX XXXX, who is the original debtor. They told me they sold it to XXXX XXXX XXXX Collections. I looked them up. They are licensed in XXXX. I have not heard from this XXXX XXXX place yet. I called the XXXX and a man stated, " hey this is XXXX ''. I said, " what company is this ''. He stated, Advanced Portfolio Group. I mentioned he did not stated his company when he answered, that was a reg flag. I told this XXXX about this XXXX XXXX character, repeatedly calling my work ( XXXX times last week ; including a XXXX XXXX XXXX right after I told the lady at this Advanced Portfolio Group to quit calling me at work and I would wait for a validation letter ) and harassing me and now harassing my ex husband.I asked again to this XXXX not to call my work or anyone else except for the contact home phone they had. I also mentioned that I called both XXXX XXXX and XXXX XXXX and they do not know whom Advanced Portfolio is. XXXX stated, " oh they must be part of XXXX XXXX XXXX, as we are like a sub company ''. I stated I am going to look into this more before I do or say anything else. This XXXX stated he would call me back in a weeks time, but the other calls will stop and this XXXX XXXX will be talked to and reprimanded.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: PA

Complaint narrative:
A dispute submitted on XX/XX/2019 in regard to XXXX XXXX XXXX from the original creditor XXXX XXXX, was not resolved and did not fix the error reported to the credit bureau shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Service is a debt collector for a Consumer called XXXX Hospital XXXX ( which is XXXX Hospital ). I had a debt in XX/XX/XXXX with XXXX XXXX for {$100.00} & {$41.00}. This debt was on my credit report. On XX/XX/XXXX I called Phoenix Financial at ph # XXXX which they agreed to give me a discount amount of {$73.00} to bring the balance to {$0.00} and erase it from my credit report per the representative. On XX/XX/XXXX I paid {$73.00} Confirmation # XXXX which made the account paid in full. On XX/XX/XXXX I received a credit alert to check my account immediately. Phoenix Financial had placed another debt on my credit for {$160.00} as of XX/XX/XXXX. I called Phoenix Financial at XXXX spoke to a representative by the name of XXXX or XXXX XXXX. i explained to this representative that i paid this debt in XX/XX/XXXX for a discounted amount of {$73.00}. Per the representative yes they did close that account as paid in full but they noticed another outstanding debt of {$160.00} from doctor XXXX or doctor XXXX on XX/XX/XXXX service rendered in an emergency room but he could not tell me the hospital name. I explained to the representative, there was no bill sent to my address and that isn't my doctor and wasn't seen by no doctor during that time. the representative said that i was treated for XXXX  in an emergency room but he couldn't tell me the name of the hospital. The bill that i paid this Debt collector Phoenix Financial for services rendered in XXXX with XXXX Hospital of {$73.00} was for XXXX. per my credit report, Phoenix Financial placed this debt of {$160.00} as late payment or no payment ( not sure what it was listed ) for the month of XX/XX/XXXX on my credit report. How can a debt owed in the same month ( XX/XX/XXXX ) is reported in the same month to the Credit Bureau? Phoenix Financial is reporting a debt on XX/XX/XXXX ( that a bill that was never sent to my address in XXXX but per the representative they mailed the bill in XX/XX/XXXX three or four years later ) but yet they showed the debt being delinquent in XX/XX/XXXX on my credit report. Isn't that against the law and is fraud. I called XXXX  Credit Bureau dispute center at ph # XXXX, per representative this debt will be removed since already paid. I asked the representative with XXXX how to prevent this Debt Collector from placing another bogus debt on my credit report? per XXXX representative, i need to file a complaint with the Federal Trade Commission. Can you please help me with resolving this issue and contact Phoenix Financial to inform them that this is fraudulent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NM

Complaint narrative:
I have a HOME DEPOT Card issued by Citibank. 
I have never used the card. There was a charge on the card in XXXX, or XXXX of 2019. When I received notice there was a balance on the card I contacted the Citibank and reported the card stolen, and disputed the transaction. This was more than 6 weeks ago. Since then I have called in on multiple occasions and keep being told that this issue is being worked on but could take 90 days. 
They are still charging me interest and applying late fees to the charge. Each time I call in I get transferred to multiple people. No one seems to be able to resolve the issue. I just spend hours of my time while they request my information and have me verify and verify and verify. Transfer from person to person with no resolution.

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 2019-04-25 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: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet updating a closed account. Nelnet
just changed the balance on an account that has been closed since XX/XX/2003. 

This account has past the statue of limitation and needs to be deleted. 
How can I be 120 days late when the account never had a 30 day late. 
How can the account have a XXXX   balance and a High balance of XXXX This is a clear violation of my rights. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: AZ

Complaint narrative:
I recently noticed that the below fraudulent accounts were posted on my credit reports. I have never had any services with XXXX XXXX and do not own this debt. Never received any paperwork about this, no requests, nothing. Asking to have this deleted from my credit files as this is not mine. 
XXXX XXXX. 

EVERGREEN PROFESSIONAL {$4300.00} Reported balance Original balance {$4300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name XXXX XXXX EVERGREEN PROFESSIONAL Last reported Apr XXXX, XXXX {$900.00} Reported balance Original balance {$900.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name 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 explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My wife and I are XXXX and XXXX, and our only source of income is {$3500.00} a month in Social Security.  We both receive our SS on the third Wednesday of each month which means we receive it on the XXXX at the earliest or the XXXX at the latest. We receive SS on a Federal Debit card and we have to go to the bank to transfer money to our checking account before we can write a check for our mortgage. NewRez appears to start charging a late fee of 5 % on the XXXX of the month. I think this is exorbitant but I can not change when I receive Social Security so I will end up paying an additional 5 % on my mortgage payments over a years time. In just two months with them they say they credited {$81.00} to penalty on my XX/XX/XXXX payment ( an overpayment which should have been credited to my principle ) and charged me {$34.00} late payment on my XX/XX/XXXX payment. What I am seeking is a waiver of any late penalty unless its received after the first of the following month. I pay my mortgage payment every month and have not defaulted in the last five years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Last year when I checked my credit, I found that Chase Bank has been making hard inquiries against my credit every year between XXXX and XXXX. I asked them to stop and was directed to a phone number. I thought the situation was resolved, though they never made any effort to remove any of the hard inquiries that negatively affect my credit and will continue to do so for another year or two.

I am checking my credit again, and have found that they made another hard inquiry. Chase now takes up 1/3rd of all hard inquiries on my credit and I have NEVER done business with them. I've started the process of asking them what is happening yet again, but at this point I don't have faith in their willingness to actually do something about it. 

I need the hard inquiries removed from my credit reports and I need them to stop running inquiries against my credit unless I physically sign something with them or otherwise give my consent. My only assumption is that they obtained my information when a car dealership ran my information several years ago and had multiple institutions try to get me a loan in one go. At no point did I consent for anyone to retain that data or to make yearly checks against it for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis
State: NY

Complaint narrative:
XX/XX/2019 And XX/XX/2019 this XXXX account popped up on my credit report which I was never aware I had given my information to any company in the passed months and I called them to get rid of it they said to contact XXXX and its just been a back and forth situation I need it to get all these off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: PA

Complaint narrative:
A dispute submitted on XX/XX/2019 in regard to XXXX XXXX XXXX from the original creditor XXXX XXXX, was not resolved and did not fix the error reported to the credit bureau shown on 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 2019-04-25 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:
A dispute submitted on XX/XX/2019 in regard to XXXX XXXX XXXX from the original creditor XXXX XXXX, was not resolved and did not fix the error reported to the credit bureau shown on 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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been asking this company to remove this negative item from my report with no luck, they claimed to have an address other than my address on file. I have provided proof via fax- mail and CFPB please help me to have this removed.

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 2019-04-25 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: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX incorrectly report late payments made as agreed and mortgage balances. I have complaned on this issue several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
two XXXX XXXX XXXX accounts are reporting under my name on XXXX and equifax credit reporting agencies, these are fraud accounts ans inaccurate reporting, i have not inquired or applied to these irrelevancies, i have never given permission to anyone to open these accounts they were opened with out my knowledge, please help me to have these fraud accounts removed from two bureaus. appreciate your help towards consumers, i XXXX  and found out that you could be able to help me, since no one else could. 
please these accounts are fraudulent and need be taken care of as soon as possible thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: OH

Complaint narrative:
I filed a complaint with identity theft.gov yet the fraudulent takeover of my account was never resolved, leaving a negative mark on 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 2019-04-25 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:
XXXX XXXX XXXX incorrectly report late payments made as agreed and mortgage balances. I have complaned on this issue several times.

Company response to consumer: Closed with explanation