vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I used to have XXXX.. I wanted to switch to XXXX due to them having better service and them being able to buy me out of my contract ( XXXX ) .. Everything was paid and NOTHING was owed WHATSOEVER! I get a letter in 2017 from a company called " XXXX '' asking me for 73 dollars and some cents ; I don't remember the exact amount, but they were shaking me down for money from XXXX, I called XXXX customer service and asked them what was going on and asked them if i had owed anything and if I was on ANY bad terms with them ; they replied no and that everything looked green on there end.. I have disputed this XXXX " debt '' for a long time asking for validation and proof, and I AM getting no where with my letters I have been sending to XXXX/XXXX/XXXX! Please help! I refuse to pay something I don't owe, and if i were to owe something, how come I cant get SOLID PROOF?

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 2019-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I closed my bank acct with Citizens Bank on XX/XX/XXXX, 2019.. I have the message stating my acct is closed..An automated credit card payment for {$200.00} was put thru 2 months later from XXXX XXXX and I was charged all these fees for insufficient funds. It was put thru 3 times so 3 times I was charged. I now have approximately {$240.00} in fees between credit cd charging insufficient funds and bank charges. This acct should have been closed. I was already paying credit card from my new bank acct. when I stopped auto payments thru credit card it only stopped 1 payment and not all which was very confusing. I called credit card and they stated there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I switched phone carriers. XXXX XXXX was supposed to pay out XXXX for the transfer and they never did leaving me over {$1800.00} in debt with XXXX. This is effecting me getting new housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
In XX/XX/2019 XXXX XXXX XXXX  credit card services charged off my account. XX/XX/2019 I received a letter from Hunt & Henriques a debt collecting firm stating that they were now the owners of my account and I owe them a debt of XXXX. I set up a payment plan with the Hunt & Henriques firm twice, once in XXXX and once in XXXX and they never sent me documentation of the payment plan. They filed suit in court and are now suing me for a debt that was charged off. Further after setting up a payment plan twice in XXXX and XX/XX/2019 I never received documentation confirming the payment plan, and I have to file my answer in response to the complaint and summons they filed in court or It will result in a default judgment against me. XXXX XXXX along with Hunt & Henriques are purposely keeping my payment plan documentation withheld from me because they know that if I have proof of the payment plan I can answer to the court explaining I have a settlement with the firm and dismiss the suit. Hunt & Henriques along with XXXX XXXX are purposely withholding my documentation in order to receive a default judgment against me and not allowing me to handle the debt situation properly without the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
*NOT A DUPLICATE**NOT A DUPLICATE***NOT A DUPLICATE**** ****READ BEFORE CLOSING***READ BEFORE CLOSING**READ BEFORE CLOSING* THE ORIGINAL DEBT WITH WFDS WAS CHARGED OFF BY ME ON XX/XX/2015, YET THIS ACCOUNT INACCURATELY SHOWS THE ACCOUNT AS OPEN/UNSATISFIED. Complainants Information : XXXX.XXXX.XXXX. XXXX XXXX-XXXX-VA-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 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
XX/XX/2019 I was contacted by CBE group collection agency. Upon contact I was inform I had an balance of {$220.00}. I was advised if I pay half this amount my account will be written off and I will have a XXXX balance. I agree to this agreement with them over the phone and after I made the payment, the balance wasn't written off and lower to zero. I still had an balance. This company deceive me and giving my false information in reference to a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Name : Comenity Bank/Limited Payment status is showing Credit Line Closed by Credit Grantor This is showing as potentially negative - settlement on my credit report. The account is closed because the XXXX is using another credit company. My account is closed and my current balance as of XX/XX/19 is {$1900.00}. 

My Request : I would like for the payment status to be updated to closed by consumer. 

My requests continue to go to incompetent people who are not equipped or not in a position to make this change right. The are not being truthful and I find their unwillingness to help me disturbing and deceptive. 

I am a former Military Spouse ; now divorced, but we still receive military benefits and base privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I was in the process of selling my home and squatters broke in and started living in my home. I had to have the squatter task force in XXXX XXXX XXXX remove the people from my home. somehow the squarters turned back on the utlites in my name. dispute every effort i could make XXXX  XXXX still sent my account for collection for power that was used and reactivated without my knowledge or consent. I sent my police reports statements of events and XXXX XXXX still sent me to collections

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 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX was charged off and purchased by XXXX XXXX XXXX in XXXX of XXXX. This account was settled, for a total of {$1100.00} in XXXX  of XXXX, yet XXXX XXXX is still reporting this account as negative. I recently submitted a dispute with XXXX to have this account updated and they added another charge off in XXXX of XXXX ; this incorrect reporting has had a profoundly negative impact on my credit score and my ability to secure potential new lines of credit and housing.

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 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX  was charged off and purchased by XXXX XXXX XXXX in XX/XX/XXXX. This account was settled, for a total of {$1100.00} in XX/XX/XXXX, yet XXXX XXXX is still reporting this account as negative. I recently submitted a dispute with Experian to have this account updated and they added another charge off in XX/XX/XXXX ; this incorrect reporting has had a profoundly negative impact on my credit score and my ability to secure potential new lines of credit and housing.

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 2019-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a lemon law enclosed trailer when I tried to dispute it as I was in my 24 hour to return this lemon and the guy doesnt even have a name using a compressor company  falsely charging and selling out of state claiming falsely to be a ga dealer but selling Alabama to avoid being caught the trailer is defective axle broke its suppose to be new. Contacted my Wells Fargo credit card dept to dispute it still no action had been taken

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 2019-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My home was damaged during hurricane Irma XXXX XXXX, XXXX. It fought with my insurance company and received a settlement of {$34000.00}. A check was sent payable to myself and XXXX Mortgage. The mortgage company placed the funds in a special account for the repairs in XXXX. The company sent a {$10000.00} disbursement in XXXX, which i subsequently paid my independent claims adjuster {$4000.00}. The XXXX was used to pay the electrical contractor and XXXX was used to restore fencing. I have been waiting for additional funds to continue the restoration of my property. I have already have paid to have my stucco restored for the damage to the outside of my home and have prepared it to be painted. I contacted Regions on XX/XX/XXXX to have them send more funds they told me someone would contact me within 3-5 business days to inspect my property. NO ONE CONTACTED ME. I called again on XX/XX/XXXX and again I was told the same thing. I finally received a call from someone who claimed they were sent referred to me by Regions ( I could bare understand the persons English ) and tried to set a date but they told me they could not see me, so they said I need to find someone else help me. iI HAVE HAD PROBLEMS WITH PAYMENT OF FUNDS FROM REGIONS IN A PREVIOUS CLAIM IN XXXX AND HAD TO REPORT THEM THEN AS WELL. I Still have l work that needs to be completed and I have waited almost 2 years to have my repairs completed and still I have to keep fighting these people. They have {$24000.00} of the insurance money I would like to have them pay me so I can finish the work and have my property restored My loan number is 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 2019-07-07 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: FL

Complaint narrative:
I am filing this complaint because I wrote to equifax regarding accounts reporting on my credit report that were inaccurate and/or violates the fcra. They have ignored my disputes and my request to have those accounts removed. According to the fcra they are required to delete all information pertaining to those accounts. Please resolve this as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
PROBLEM IS WITH B.O.A. ( bank of America ) 1 XXXX XXXX paid for Future cruise deposit to XXXX XXXX XXXX total amount {$600.00}. Paid for by debit card, number ending in # XXXX 2 Last week in XX/XX/2015 debit card ending in # XXXX was stolen, subsequently requested new card which was issued with of course another number!!!!! 
3 XXXX XXXX cancelled my ( our ) future trip and requested that the {$600.00} to be deposited in my XXXX account with XXXX. ( XXXX XXXX XXXX  ) to be used for future travel. 
4 XXXX XXXX requested XXXX. to refund my money which was going to be deposited to my old debit card number. pointed out that this card was not valid anymore, was told not to worry because Mastercard/B.O.A would take care of this! 
5 No credit received by XXXX XXXX, subsequently wrote letter to XXXX. 
corp. office which responded informing me that money was indeed transferred to my mastercard ending in # XXXX ( see attachment 1 ) 6 XXXX XXXX filed claim with claims department B.O.A.confirmed but claim was processed on my wife 's name who never talked to any claim repr. ( see attachtment ) 7 Called and wrote to B.O.A. pointing out their mistake ( see att ) ( no response ) 8 Contacted XXXX. in beginning of XXXX to request transaction numbers send y email ( see att ) 9 Contacted B.O.A. claims department requesting further investigation provided transaction numbers ( see call sheet att. ) XXXX XXXX-XXXX 10 XX/XX/XXXX was informed nothing could be done. ( see callsheet att ) This is where the problem stands today, having been a customer of B.O.A. for well over 19 years they treat me as a piece of " XXXX '' As you can imagine I am thoroughly disgusted with this so called banking institution being proud on their so called customer service. If we were talking about a {$10.00} amount I would gladly donate to B.O.A. so their profits would be a little bigger than XXXX XXXX dollars plus for XXXX.but {$600.00} is just too much for my banking friends My dad taught me expect the " XXXX XXXX '' but never accept it!!!!! 

Really hope you can solve this issue for me. 

thank you

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 2019-07-07 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: CA

Complaint narrative:
Just want this stuff on my report verified and validated.. been hitting a wall with the credit reporting agencies whenever it comes to these accounts.. I simply wan na know how and why, I have rights as a consumer.. please help.

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 2019-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
They're trying to get me to refinance. I told them I wasn't interested we were going to sell but they continue to call a couple of times a day. An example of calls per day is!. Call at XXXX XXXX   XX/XX/XXXX 2. Call XXXX pm XX/XX/XXXX 3. Call XXXX pm XX/XX/XXXX 4. Call XXXX XX/XX/XXXX 5. Call 3 XXXX XX/XX/XXXX 6. Call XXXX XX/XX/XXXX 7. Call XXXX XX/XX/XXXX 3

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Starting in XX/XX/2018, I have been calling our mortgage company, NewRez, to try to eliminate my PMI. We submitted the application 2-3 times and time after time they escalate our claim, but we get absolutely no response past that. We have been paying PMI for 23 years and fully meet the requirements to eliminate that expense. 

Im afraid they are waiting for the market to shift so I would not qualify to receive this benefit. 

I appreciate your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
I have no idea who this company is. I never payed them anything or did any form of business with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Apparently, my XXXX XXXX XXXX issued by Synchrony has been over the credit limit since XX/XX/2018. I had signed up for alerts via email and text yet was never alerted and my account was not blocked. I continued to make payments to the account and to make purchases using the account even though it was over the credit limit. I was finally able to get the alerts today after trying to set them up again for the 8th time. I spoke with customer service and they were no help with this issue. I explained that I had concerns about the fact that the account had been overdrawn for such a long time but not one alert or notice was sent to me. Lenders have responsibilities just the same as borrowers and should be held accountable. This has made the amount of money due to the interest increase on my account. Synchrony informed me that they do not lower their interest rates and that all their customers pay the same rate. XXXX consumers with exorbitant interest rates should never be allowed. I do not believe that statement and feel that the company is having customer service reps lie to clients.

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 2019-07-07 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: FL

Complaint narrative:
I am filing this complaint because I wrote to transunion regarding accounts reporting on my credit report that were inaccurate and/or violates the fcra. They have ignored my disputes and my request to have those accounts removed. According to the fcra they are required to delete all information pertaining to those accounts. Please resolve this as soon as possible. Thank you

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 2019-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Services
State: MN

Complaint narrative:
Dear XXXX I want to thank you for responding to my request You sent me Information on a debt that you claim I owe But how you have a patients name as XXXX XXXX she is My Brothers child I'm not sure how her information got attached to my name I have reached out to my brother about this he is Very upset that you are violating his daughters name to other family members. also I believe this is a Hippa Violation for you to be sharing patients Data info with others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
There is a hard inquiry from SYNCB on my credit report, I have not applied for any consumer loans, mortgage or credit cards. The inquiry is dated for XX/XX/2019. 

SYNCB XXXX XXXX XXXX XXXX, FL XXXX ( 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 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
The XXXX XXXX XXXX submitted an erroneous debt of {$320.00} to the credit bureaus. When I was unemployed, I went to their site and filed for unemployment benefits during the weeks I was unemployed. When I started work, I also went to their site and told them when I started work and claimed my statements were true and correct. 

In addition, the unemployment office contacted my temp agency to verify my start date and the temp agency provided them with an " estimated '' start date and not my " actual '' start date. 

The unemployment claimed they sent me a form to complete and because the form was not submitted back to them timely and my temp agency never provided them feedback, they went ahead and reported this error, untrue and incorrect debt to the credit bureau despite the fact that they have record that I had submitted the form although untimely ; that I sent them correspondence electronically and through the mail about my actual start date being XX/XX/2017 which I claimed online ; and the fact that I claimed my actual date I found work. 

I recently sent their collection agency United Collection Bureau and the XXXX XXXX XXXX XXXX correspondence explaining their error.

Company response to consumer: Closed with explanation