vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I checked my credit after being denied multiple times for a new auto loan. I noticed FOUR accounts for DBA PARAGON REVENUE totaling amount of {$500.00} with the ORIGINAL ACCOUNT OWNER as XXXX XXXX XXXX. First, each of these debts are a violation of my HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I contacted my auto loan servicer, Santander, to let request a courtesy reversal of the late payment reporting as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company I have been paying on-time for over one year would have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide hospital documentation if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
I contacted my mortgage loan servicer, 21ST MORTGAGE, to request a courtesy reversal of the late payment reporting in XXXX as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company to have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide documentation if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I checked my credit and I noticed an account for CHOICE RECOVERY in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
I checked my credit and noticed a debt from Community Bank /Victoria 's Secret for {$480.00}. This is the wrong amount as the balance is only {$300.00}. I contacted the creditor to discuss the balance reporting, and was treated rudely. I am not admitting any guilt while offering to settle the account for {$300.00} and I would like the trade line deleted from my credit report after {$300.00} has been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: WY

Complaint narrative:
I checked my credit and noticed a negative account from Convergent Outsourcing in the amount of {$160.00} for XXXX. I have never received an notice about this debt, nor the right to dispute according to the fair credit debt reporting act. I did not owe XXXX a final bill as all bills were paid before the service was disconnected.

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 2019-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 Convergent Outsourcing received a collection account from XXXX for a past due balance of {$650.00}. I contacted Convergent Outsourcing several times via phone and regular mail in regards to validating the debt. Finally, I got someone who was able to help. The representative by the name of XXXX, stated if I pay the amount in full it will be deleted/removed from my credit. On XX/XX/2018 the account was paid in full, but still remains on my credit as paid with a XXXX balance. I was promised that this would be deleted, but I keep getting the run around about who suppose to have this removed. Convergent tells me XXXX has to have it updated. XXXX states Convergent has to have it removed. I am tired of getting the run around to have this deleted from all 3 credit bureaus.

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 2019-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: WY

Complaint narrative:
I checked my credit and saw an account from Conserve for {$240.00} for XXXX XXXX College, which is odd because I never attended. I sought information and started the application process, only. However, when my request for federal financial aide was denied, I was unable to register for classes. So, I never attended the college, not even for orientation. I am going to file a formal complaint as well with the department of education for fraudulent accounts being opened and collected on at this college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I checked my credit and noticed an account for Wells Fargo in the amount of {$330.00}. I am requesting to pay the {$300.00}, which was the card 's limit to have the account settled and deleted. I fell behind on payments after I lost my job due to an extended amount of time out of work. I was diagnosed with long term XXXX XXXX, and had to undergo procedures to help make me more comfortable and to prepare me for weekly 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 non-monetary relief
Consumer complaint received 2019-10-20 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: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Eastern Account Systems actively pursuing that two accounts are for regular debt when they are Medical Debt incurred for scans while at XXXX XXXX XXXX hospital. They have refused to mark as such and continue to have it on my credit report properly. The company listed as the original debtor says XXXX XXXX and was incurred at XXXX XXXX 's hospital. XXXX XXXX 's even informed me that it was paid off by donations. They have also contacted me several times with spoofed phone numbers, multiple times a day on a work phone and mobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I received several calls from American Express Serve Fraud Division, after the 4th call at XXXX XXXX, I answered the 5th call and was asked if I was out of state as there were 2 attempts to charge at XXXX in XXXX, GA, one for over {$500.00} and the other for over {$120.00}. 
I was advised that the card was compromised and not to use it or try to log in to the on line account as it may not allow me access if the account was compromised and within 24-48 hours I would receive a new card, All this was verbally said to me then I was asked for the code on back of the card in order to verify that I had the card in my possession and I wasn't out of State. 

After 2 days of not receiving a new card I subsequently logged into my account and discovered all monies had been taken out of my account and the sub account had been depleted as well. 

On XX/XX/19 {$410.00} taken out from XXXX in XXXX, FL ; XX/XX/19 {$620.00} taken out at XXXX in XXXX FL ; and at another location on XX/XX/19 {$500.00} was taken out at XXXX in XXXX, FL as well as in XX/XX/19 the day of the call monies from my reserve account was taken out {$500.00} was one transaction then another in the amount of {$500.00} taken out and moved to the primary account. 

This had to be done by a representative that works at American Express Serve as the reserve account is hidden and you just can't get into that account and take the money. 

I am getting the run around and no accountability as to how this blatant act occured. 
As past practice has been that whenever I make purchases over {$100.00} ; I immediately get a text message inquiring if I am attempting this purchase, yet for these transactions I received nothing, no call no text message. 

This is a fraudulent act of larceny committed by an employee of American Express Serve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
TOYOTA MOTOR CREDIT - Account Number : - XXXX Status : - CHARGE-OFF Toyota Motor credit account XXXX was discharged in bankruptcy a. The discharge papers and matrix are enclosed. 
b. The letter from Toyota acknowledging the bankruptcy and a copy is enclosed. 

During the last dispute XXXX re-listed the account as verified, so I initiated another dispute and it remains in dispute status. 

Last year before all the XXXX mixed files it reported correctly. 

Have XXXX  please fix the status to Discharged in Bankruptcy and leave it alone. 
It has been changed on the report several times. Yet Toyota ( as in the letter enclosed ) has verified they stopped collections and it is in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The date of last active and date of last payment varies from bureau to bureau. Also the late remarks are not consistent with the reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The date of last active and date of last payment varies from bureau to bureau. Also the late remarks are not consistent with the reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This report is inaccurate because it is under one company yet the account numbers are different. Also the account number XXXX show no late remarks whatsoever only the 2 different account numbers only.

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 2019-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
SUBJECT : Carrington Mortgage I called Carrington Mortgage Services when I received my XX/XX/XXXX bill ( attachment # 1 ) because the bill does not show a late payment date or a late fee amount. I was told that because I file for bankruptcy in XXXX that there is not a late payment date or fee as long as I make the payment before the end of the month. 
On XX/XX/XXXX I received a late notice ( attachment # 2 ). Carrington did not clear the check until XX/XX/XXXX. I also received my XXXX bill with a late charge on, posted on the back, ( attachment # 3 ). I called Carrington on XX/XX/XXXX and I talk to XXXX ( # XXXX ) she said that because the amount and date was not on the bill the late fee would be waived. She also said that even though the amount and date is not on the bill, the bill is due by the XXXX of the month. When I received the XXXX bill again no date or fees for late charge is on the bill. I paid the bill and the check cleared by bank on XX/XX/XXXX. 
On XX/XX/XXXX, I received another late notice ( attachment # 4 ). It was dated XX/XX/XXXX. I called Carrington again and talk to XXXX ( # XXXX ). I told him that the payment cleared before the XXXX. He said the bill is due on the XXXX of the month. I asked how I can receive a late notice dated before the XXXX. He said the real nasty what else can I do for you. 
Since XXXX I have not paid any late payments on any of my debts. This feels like harassments because they send me bills without information regarding a date or amount of past due bills and they send me late notices. I shouldnt have to call Carrington monthly. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for a credit card. 

The bank never sent me the card. The bank wouldnt let me set up an account online to view my transactions or make payments without a physical card. 

The bank then said my card had a balance but couldnt provide details on purchases because I hadnt received my card and couldnt confirm my account. Furthermore the bank continued to try and correspond with me via mail when they were having issues sending mail to me. I confirmed my address with them and Meanwhile I have a bill due with them. 

I opened a fraud claim but it was only opened for one of the purchases. When my they tried to correct this, they had issues and said Id have to call back another day to open a dispute for the other purchases. 

Nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, apparently the loan I previously had with XXXX was taken over by New Rez Shell Point Mortgage Need help. 

I have this loan since XXXX, and refinanced in XXXX. Previous mortgage payments were sent successfully to XXXX, XXXX, XXXX XXXX, XXXX, and now Shellpoint. 
The XXXX loan # XXXX The Shellpoint loan # XXXX Property : XXXX XXXX XXXX, XXXX NJ XXXX Even after the take over, the monthly payment of XXXX was regularly sent automatically from my account, but it was not accepted. Why? 

After a phone conversation with XXXX XXXX on XX/XX/XXXX, he said that 6-months payments are " missing '' and they don't accept monthly payments. 
On XX/XX/XXXX ShellPoint received a bank check for the whole amount of XXXX The check was not processed, and now they sent the house into foreclosure. 

It is outrageous why they don't want to process the payments sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: PA

Complaint narrative:
On XX/XX/XXXX, I submitted an online credit card dispute to the credit reporting agency, Equifax. 

Equifax is erroneously listing an account from XXXX XXXX/XXXX on my credit report from XXXX. 

According to Equifax, my last payment to the above XXXX XXXX/XXXX revolving credit account was on XXXX of XXXX. HOWEVER, the account wasn't charged off by XXXX/XXXX  until XXXX of XXXX. 

From my understanding, credit card companies are supposed to " charge off '' accounts 180 days after the last payment. According to these records, XXXX didn't " charge off '' my account for nearly 1704 days after my last payment ( i.e., last payment of XX/XX/XXXX, to a " charge off '' date of XX/XX/XXXX ). 

I disputed this with Equifax, stating that the timeline is incorrect, and that the negative item on my report should be removed ; as none of the other two agencies have it listed on their reports. Equifax DID NOT remove the information, and reported the information as accurate.

Making matters worse, all of this information is readily available in the " dispute results '' provided to me by Equifax, i.e, specifically the timeline and my assertion that it should be removed as XXXX/XXXX can't charge off an account 5 years after the fact. 

And last, I attached the " dispute results '' from Equifax below. In them, it shows that the " date of last payment '' was XX/XX/XXXX ( found near the top of report ), yet the account wasn't " charged off '' until XXXX of XXXX by XXXX/XXXX  ( found near the bottom of the report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I just received 5 phone calls from Comenity Bank between XXXX and XXXX XXXX on Sunday morning XX/XX/19. They usually call me in excess of 5 times every day. I do not usually answer these calls, as is my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX  XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also the late remarks doesn't report consistently with the other bureaus. I really want this to be deleted since I was disputing this for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is refusing to acknowledge a fraud claim I submitted in XX/XX/2019. I reported fraud and they didn't do a full investigation. I received a letter XX/XX/2019 stating there was no indication of fraud. I have reported this matter to the XXXX Police Department and do have a Dc #. I in my sixteen years with Capital One never one have taken a cash advance out, and never will at 27 percent APR. 

I found out after calling Capital one back and speaking to someone I could understand that someone called a asked for a duplicate card ( THIS WAS NOT ME ) on XX/XX/2019 at XXXX to be sent to the billing address ( MY MOTHERS HOME ) The duplicate card was sent Via : XXXX   XXXX Overnight No Signature to the billing address and delivered to the front door on XX/XX/2019 at XXXX. I never ordered this card. Whoever did stole it / intercepted it and went to XXXX XXXX the next day. 

On XX/XX/2019 the thieves went to XXXX XXXX Bank at XXXX and took out a inside cash advance of {$2800.00} dollars. 

I have spoken to Capital One on several occasions and have gotten nowhere. I am waiting to get the police report to send to Capital One in hopes they will open up another investigation. Capital One never asked for Video from XXXX XXXX for the date of the crime ... they do not hear me when I say i was at work with proof I was there on the day and time of the crime. I understand the detective has been unable to get information from Capital One. 

I want to add not only have a been a customer with Capital One for sixteen years. I have never missed a payment on any credit card / car loan / mortgage etc. My credit score is exceptional  along with ever account I have. I would have no need to take a cash advance out at such a high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
starting sept. XXXX I received the statement of my account ending XXXX and I notice {$700.00} draft on my account on XX/XX/XXXX with the following detail " withdrawal in branch store. then I went to the bank and explain the manager that I did not draft this money. The bank manager told me he will open an investigation for the case and he also told me that I was the person who draft the money I asked him to show me the receipt which should contain my signature he said the bank has the receipt but they do not show me the document. Then I went to other teller and she show me a {$700.00}. receipt with not signature. I want to anticipate that my information including my driver license is on file at Wells Fargo bank since XXXX and when the teller open my account they have my information this pattern of withdrawal has been used by this bank to deplete my account on priors dates. If the bank said they have the receipt on its own I have right to read the document and agree or disagree.

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