vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio recovery is showing open collections on our credit reports, we have asked them numerous times to provide us with a signed contract showing they legally purchased any accounts with our SSN. They refuse to provide any information except an old statement from an account that isn't related to them. We demand to see contracts which they can't provide since they don't have them. We also demand that all information regarding this company and their fraudulent activities be removed from all credit reports. We also demand monetary payment for the damage they continue doing to our excellent reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Kohn Law Firm SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX XXXXXXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

Case # XXXX File # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: OH

Complaint narrative:
I have disputed a fraudulent account for XXXX XXXX XXXX twice with Equifax and both times they have stated the account to be verified. As I mentioned in both my disputes that the account is fraudulent in nature which was never opened with my permission or knowledge. XXXX  and XXXX both deleted this account almost immediately. As of XX/XX/18 I filed an Identity Theft Report with the FTC. Equifax does not reply to mailed in disputes with proof so I am disputing this account by a means of the CFPB. I have included my Identity Theft Report, Letter to Equifax, copy of the FCRA 605b, copy of my Drivers License, copy of my Social Security Card, Proof of Residency and copy of recent Equifax Credit Report with the Fraudulent Account highlighted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
They do not care about your security!

My wife and I have grown accustomed to using XXXX  over the last month. However because I work as an XXXX XXXX and know how important security is, I change my passwords once per month on all my sensitive accounts. XXXX  forbids that! I have 5th 3rd Bank. If I change my password, I AM FORBIDDEN TO USE XXXX  FOR 30 DAYS!!!!! So, in summation, IF YOU TAKE YOUR SECURITY SERIOUSLY AND HAVE THE AUDACITY TO CHANGE YOU BANK PASSWORD - YOU WILL BE PENALIZED WITH A 30 DAY PUNISHMENT FROM XXXX  & 5th 3rd Bank.

Summation : If you have 5th 3rd and what to use XXXX, you can't EVER change your password without a 30 day penalty.

That goes against everything the security industry is trying to do to protect consumers. The fact that a Major Banking Entity like 5th 3rd Bank would passively promote never changing your password for fear of losing the functionality of transferring money is appalling, atrocious and frankly, makes me wonder about other security issues they ( XXXX  & 5th 3rd ) aren't sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: VA

Complaint narrative:
An update to my case : I received a suspicious notification from " Nelson, Cruz & Associates '' attempting to collect on a non existing debt. They sent a physical letter to my residence on XX/XX/2017 attempting to extort {$990.00} for an " outstanding balance unpaid to XXXX XXXX XXXX ''. Like any well informed consumer, I understand that when an allegation like this is presented, you have a right to know : contact info for the original debtor and proof of money owed. Unbeknownst to this fraudulent entity, I know very well who my creditors are and have always been. I contacted XXXX XXXX myself and they confirmed verbally and in a written letter ( as I knew they would ) that they have no record of my SSN, name, DOB, account etc. They also informed me that they do NOT outsource their collections, but instead have a collections department in house. It was also mentioned that notices from " collections agency '' usually reference the original account # for the money owed, as well as complete contact information for the original debtor. When I spoke to a rep from Nelson, Cruz & Associates, he did not provide any of this information so I could substantiate the claim myself. Instead, he tried to negotiate down the debt and commit me to paying it immediately over the phone. I immediately hung up on him and reported Nelson, Cruz & Associates to the Credit Bureau, Attorney General of Texas, XXXX  and the Federal Trade Commission. I attempted to file a police report in XXXX, TX but was unsuccessful as I live in VA. The only advice I can provide is DON'T pay them a cent. Contact the State and Federal authorities and place a lock on your SSN because they posses personal information that they are using nefariously. 

IMPORTANT TO NOTE, the Nelson Cruz & Associates collection letter said the " client '' was XXXX with no reference whatsoever to XXXX XXXX. XXXX is FALSELY asserting that XXXX is the client of XXXX on this debt, when they are NOT. That has to be illegal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I placed an order with XXXX XXXX XXXX via XXXX for 2 chandeliers on XX/XX/XXXX. I didnt receive my order til XX/XX/XXXX, and upon opening the package, half of the glass strands were broken, rendering them unusable. I notified the seller, and was told they were sending replacement parts out. I waited, and waited, and never received the parts. After waiting, what I felt was a more than sufficient amount of time, I filed a claim with Chase and reported the damage items. Chase filed a claim on my behalf, but I am being told it was denied due to being over 120 days from date of transaction. The reason for the delay, was for 2 reasons, the length of time it took to receive the order, as well as, trying to resolve with seller, before filing a claim, as I am required to do. I paid {$570.00} for damaged goods, and deserve to be refunded. The delayed claim was of no fault of mine, and I should not be forced to pay for goods that are damaged and unusable. I am seeking a refund that is rightly owed to me. I have all documentation and picture evidence of the damage items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
On XX/XX/2018, I sent an E-mail to XXXX XXXXXXXX XXXX, XXXX ( XXXX ). In the message I notified them that I am disputing a claimed debt and demand verification of the claimed debt, and that other than verifying this claimed debt, they do not contact me further about this debt. On XX/XX/2018 and XX/XX/2018, XXXX sent me two collection letters that did not contain the demanded debt verification, notification of the debt collector 's further efforts are being terminated, or notification the collector or creditor intends or may intend to invoke a specified remedy, in violation of FDCPA 805 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
This debt with XXXX XXXX Hospital lab in the amt of {$150.00} was resolved in XX/XX/2018. XXXX was notified by XXXX XXXX Hospital at that time. I've received at least two more collection letters from XXXX, the latest on XX/XX/2018. XXXX XXXX Hospital has contacted XXXX twice and told them to remove this account from their books ( it wasn't removed when requested in XXXX ). The XXXX XXXX rep was told it would be removed that day. Yesterday I received another collection letter from XXXX to collect this same debt. They continue to harass me to collect this money even though XXXXXXXX XXXX   Hospital has notified them twice that it is no longer owed.

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 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have asked trans union to investigate a Bankruptcy that is being reported on my credit report and as of XX/XX/2018 they have refused. I have personally called the bankruptcy courts and they tell me that no information is ever released to trans union or any other credit reporting agency. I demand that Trans union provide me proof that a bankruptcy belongs on my report, I demand they provide information from the courts with my personal information. I also demand that trans union does not write any information on my credit reports.

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 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I suffered a workplace injury in XX/XX/2018. I had an XXXX in XX/XX/2018 that was ordered by, processed by, scheduled by, and interpreted by my workers compensation physician as part of the workers compensation claim. The Outsource Group on behalf of XXXX XXXX inappropriately and incorrectly billed my private health insurance for this test. They have continued to call me and pursue this debt despite my providing documentation and verbal explanations on no fewer than five occasions.

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 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We received a letter from Wells Fargo stating that they will be closing our business checking account that has been open and active since XX/XX/2002. The account funded an initial investment to a reputable developer as a partner and is currently receiving distributions from the net rental proceeds on a monthly basis. We do not deposit any large amounts of cash to this account. We have never written any bad checks from this account or any of our accounts. The Wells Fargo letter states that the pending closure is a " business decision ''. There is no risk associated with this account and any claim that this account is a risk would be a false assessment. We feel that Wells Fargo is simply claiming a " risk '' out of thin air and closing accounts to simply satisfy and counter their recent shady activity of opening unauthorized accounts.

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 2018-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. 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 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
Unfortunately I do not have any dates, I do know they have called me more than the allotted 3 times per day. The last time I called the company to make a payment they refused the payment and threatened that my file was now being sent to an attorneys office if I did not pay the amount in full that day. I was on a payment installment plan with them when I fell ill and had to stop payments for a couple months. The refused to work with me after I was back at work, called more than the allotted times and now are placing attorney fees on me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I believe Bank of America ( BoA ) is mishandling my escrow account and the monies I have deposited therein for payment of my homeowners insurance and property taxes. They are notifying me I have no homeowner 's liability insurance. I do have such insurance ; the premium is paid by BoA from my funds held in a BoA mortgage escrow account. 

On XX/XX/XXXX I received urgent phone calls from an agent for BoA stating that I do not have homeowner 's liability insurance. On XX/XX/XXXX I called BoA and spoke with a BoA agent who told me the certificate of coverage issued to me by my insurance carrier as proof of coverage would not suffice as proof of coverage, and that BoA required a copy of the policy itself. I told him the policy itself does not show a coverage period or any premium information, and that in my years of defending residential foreclosures in state court the certificate of coverage or binder was the only documentation BoA would accept as proof of coverage. I gave him my insurance agent 's contact information. On XX/XX/XXXX I faxed him an 8-page letter with attachments including my 'continuation notice ' from my insurance company. ( Attached here. ) I filed a complaint with the NYS Department of Financial Services ( DFS ). BoA has called and written to notify me they received the DFS complaint and are investigating. I have since received a notice, not a bill, from my insurance company stating the premium is due on XX/XX/XXXX. 

I changed insurance carriers in XXXX. BoA paid my old policy premium and a few weeks later paid my new policy premium. Shortly thereafter they notified me I had no insurance and threatened to purchase force placed insurance. I filed DFS and CFPB complaints. BoA notified me they would not bill me for force placed insurance. I know they paid my new, current, insurance carrier, because documentation I received from my carrier showed payment in full by mortgagee BoA. I was unable to determine if BoA handled my escrow funds correctly because they refused to provide plain-English documentation of payment of either premium. 

BoA needs to pay my homeowner 's insurance policy premium in full once a year and stop XXXX around with my escrow account.

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 2018-07-20 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've sent several dispute letters to the credit reporting agencies and continue to get an " automated '' reply in which they do not contact and verify with creditors listed on my report. Some information on my credit report is not mine and they refuse to remove it. In addition 2 of the 3 credit bureaus have stopped replying to my request for dispute which is against the law.

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 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
I have disputed this account several times, received no validation. I do not owe this nor have ever received verification Grant and weber # 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 2018-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
Over the past month every day during the week and on the weekends. I receive a phone call from XXXX from XXXX XXXX. She has called my job at least 3 times and two times after the first time I told her not to via a voicemail. She keeps trying to pressure me into a cost in which I told her at this time i can't have phone conversations with you either i'm at work or I need to legitimately need to look to see if I can afford the cost by looking at my incoming and outgoing expenses. However, she calls every day not even allowing a chance of reprieve. Calling my job was really the last straw as I told her I can have issues at work, if she continues with her calling my job.They never even say the company in which I owe they just state their collection agency moreover, they give an added cost to the loan ( payday ) They include at least XXXX dollars more than what I actually owed. This started Second week in XX/XX/2018 and is still occurring at this time. I stated to her the reasons I couldn't afford to keep paying the loan company was because I couldn't afford the ridiculous interest rate and asked them if they could reduce and they wouldn't. I do have intentions of paying the company that I loaned this money from however, I do not have intentions of paying a debtor who may or may not have acquired my debt. Due to my husband loosing his job and me trying to care for a family of XXXX it has not been financially feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. 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