vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I received a letter fro
m XXXX XXXX datedXX/XX/XXXX regarding then CAR CARE ONE/XXXX XXXX account for unauthorized opening of an account. Their investigation was completed and the claim was resolved in my favor and they wrote they advised the three major credit reporting agencies, XXXX, XXXX and XXXX to remove the account from my credit report. The charges were removed and I wo n't be held responsible for the debt. It has been sent to XXXX XXXX XXXX  opened in XX/XX/XXXX.
This information remains on my credit report as of XX/XX/XXXX when the XXXX XXXX XXXX refinance agent told me of this information. It does affect my credit score to refinance my home.
Additionally I was told I have 2 other negative accounts that are not mine.
XXXX XXXX/XXXX/ or XXXX in XXXX , Ohio showing late payments on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. {$1000.00} XXXX XXXX XXXX for {$940.00}. in XXXX, Florida I have filed a police report with XXXX XXXX Police in XXXX XXXX, Colorado regarding XXXX XXXX accounts and it was investigated and I do have the name and address of the perpetrator in California. I do not know if this is the same individual associated with the above 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 non-monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I will like to request that a investigation be conducted against I C Systems INC, for failure to honor my request of validation of a debt and providing a notification of the debt per the FDCPA. A dispute was filed with XXXX and XXXX circa XXXX XXXX in regards to an account that had previously been dispute and removed by a previous company regarding a debt that is not mine and I have no knowledge. The account number is Account Number : XXXX in the amount of {$440.00}. Per my rights within the FDCPA I request a validation of the debt. My request has not been filled and the company is in violation by not validate the debt within the 30 days allotted per the FDCPA. Yet the account is still showing as a negative account on my credit report, although they fail to validate the debt. 

Status : Collection account. {$440.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. I have not receive any written communication from I C Systems INC informed me that they now have the debt and my right to dispute. The company brought the account without proper validation because it was delete previously and are now reporting a invalid debt negatively which can have on me my and now I request that an investigation is complete for their failure to comply with 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 explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan These guys are some Crooks. 

The first time I took my wife to their XXXX office, they said that she was going to need a XXXX XXXX. And they said that I would need the same thing too in spite of the fact that I have not had a XXXX in 27 years. And in spite of the fact that the last XXXX that I went to told me that I would need no such thing. 

The next time I went back for an emergency appointment for my wife. They told her that she would need her XXXX XXXX XXXX, and they said that it will cost {$1400.00}. That would be {$570.00} for the XXXX XXXX and another {$800.00} and some change for a XXXX XXXX. Awfully strange. I looked it up while I was deciding whether or not to have them run my credit for a XXXX loan, and it said that this procedure was definitely not recommended in the overwhelming majority of cases. Also, there was no other mention of suggesting that she needed another XXXX XXXX. 

When I left their office, I went to another office and they said that the XXXX would cost between {$120.00} and {$350.00}. For the record, that is about {$450.00} cheaper to {$200.00} cheaper then what it was at their office. 

It gets worse. I contacted the Care Credit company that they used to try to finance the overpriced procedure, and they tried to open up a {$5000.00} line of credit in my name and also my wife 's name. They neglected to mention that.

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 2017-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I need Bank of America to update and refresh my direct deposits frequently so i could be able to take out money from XXXX XXXX XXXX when promised.

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 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
I started to refinance my mortgage on XXXX/XXXX/XXXX and are one condition away from closing my loan. However, my bank and I are being denied a payoff from my current servicer. 

My new bank and I have been asking for the payoff for approximately over one month. The past two weeks ( XXXX to XXXX XXXX, we have been calling every other day to get the status of the payoff request and keep getting the " run-around ''. No one seems to be able to resolve the issue or provide CLEAR reasoning why I ca n't obtain a payoff. " it has something to do with my discharged chapter XXXX bankruptcy '', they keep telling me. I was discharged from ChapteXXXX XXXX BK in XXXX, XXXX and this servicer has still been unable to provide a payoff. I have made all my payments on time in the last 24 months and the payment history has been verified with a data agency. 

At one point, in XXXX, XXXX, I was told everything was fine. Later that week, I was notified the information given to me initially, was incorrect. Furthermore, my new bank has been able to update my mortgage and report the current balance on my credit report ... yet ... the servicer will not provide a payoff!?!?! 

I am extremely frustrated with this servicer and from what I have learned/researched, it is illegal to deny a customer a loan payoff. 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 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DCI Credit Services, Inc.
State: MT

Complaint narrative:
I contacted the business as soon as I found out about the check being dishonored. The amount was XXXX and we paid the business XXXX the business and I agreed to. We have now been contacted by DCI credit services of XXXX north dakota to pay the XXXX and a XXXX dollar fee. When I contacted them to tell them we paid the company they told me it did n't matter we still had yo pay the fee after we already paid one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
on XXXX XXXX, XXXX I went on line as I do every month to pay XXXX XXXX credit card payment of {$63.00} there was a glitz on line and and they read XXXX and they got that from the chemical bank as a loan of XXXX and my XXXX XXXX  check in the bank was only {$150.00} so now XXXX XXXX have XXXX instead of XXXX and chemical bank gave that to them and now chemical bank has taken my XXXX XXXX check and I have no money to pay my bills or buy anything and chemical bank is hounding me to pay over XXXX back because my XXXX XXXX card had only XXXX that I owed and XXXX XXXX returned XXXX back to chemical bank and chemical bank is trying to make me pay them.

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 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: WI

Complaint narrative:
I have received upwards of 20 calls in ONE week from Discover Card regarding a debt owed by XXXX XXXX. My XXXX mothers last name was XXXX, however her first name is not XXXX. I called Discover Card after receiving five calls in one day. I advised that XXXX XXXX does not live at this address, and asked if someone had used my moms information - since they were calling her number with the right last name. They advised they could not disclose that information, or the nature of the call. I verified with them that the number calling me was them, and they advised it was. I asked them to stop calling since my mom is XXXX ( going on 7 years ), this is not her debt, nor is it a debt for anyone at this number. The harassing calls continued to the point that I needed to disconnect my phone number. I have XXXX small children and the constant phone calls throughout the day were interrupting their sleep time, not to mention, they were harassing due to the sheer volume of calls received in a day and week. It was nearly one month ago that I called Discover and asked that they stop calling me however to date, these calls still continue. I was notified today by my old phone carrier that another voicemail was left on the old number around XXXX. I am upset that these calls continue. I am upset I have had to cancel our old phone number and get a new phone number, and I am upset that Discover refused to tell me if my XXXX mother 's information had been used - yet they continue to call me an obscene amount of times. That phone number had been my number for 31 years - this was a difficult decision to make, and I do n't feel that Discover should be able to harass me in the way that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
XXXX XXXX continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to  provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEVEL 4 FUNDING LLC
State: AZ

Complaint narrative:
This mortgage broker sends unwanted marketing SPAM emails every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX. 

I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

A complaint ( # XXXX ) was submitted on XXXX/XXXX/XXXX, and the broker responded saying, " We have searched all of our databases and contacted all XXXX XXXX XXXX XXXX to double check and make sure XXXXXXXXXXXX is unsubscribed on all current lists. This email address XXXXXXXXXXXX should no longer receive any correspondence from our existing lists and current XXXX XXXX XXXX XXXX. Sincerely XXXX XXXX XXXX XXXX, Broker/RI Level 4 Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ''. 

However, I am still receiving unwanted spam eamils from his company : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX I have records XXXX XXXX XXXX me repeatedly ( several XXXX XXXX day on occasion ) since last year. This didnt just start recently, as he would have you believe. For example, here are XXXX email addresses that were sent to our IT company on XXXX XXXX, XXXX to try to block them as spam on the server : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX I have received numerous unwanted emails XXXX this guy. He continually changes his sending email addresses, so that his junk can not be filtered or stopped. XXXX a sampling of the different email addresses XXXX used to send the unwanted emails : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX Level 4 Funding LLC XXXXXXXXXXXX Level 4 Funding LLC XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX Please re-open this complaint. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX - office XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: OR

Complaint narrative:
Called every single day, sometimes multiple times a day to collect on a debt that was barred by the statute of limitations. Called from several different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
On X/X/17 I mailed a letter to the company asking them to remove an inquiry from my report because I am sure that I did not authorize it. I mailed it to the address the company provided to the Credit Bureau that they pulled the inquiry from. USPS returned the letter to me with a sticker attached that read, " Return to Sender - Attempted not known -unable to forward ''. This means that the company is not providing the credit bureau or consumers with an accurate address in which to inquire about or dispute information inaccurately being reported. This is completely unfair to the consumer and a clear violation of my consumer rights. 

I have attached a copy of the envelope with the notification from the postal service, a copy of the letter sent inside, and a copy of the address reported to the bureau, pulled directly from the report provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: Granite Bay Acceptance Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX17 I mailed a request to remove an unauthorized inquiry from my credit report to the company and they have failed to respond. I mailed the inquiry to the address in which they provided to the credit bureau that provided me with the report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
Diversified Consultants continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: UT

Complaint narrative:
XXXX XXXX XXXX reported a past due account with XXXX XXXX XXXX XXXX to Equifax. Equifax confirmation # : XXXX. I disputed this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax. The basis of the dispute is simple : XXXX XXXX never sent a bill or invoice for the amount not paid by insurance. No bill no debt no past due account. I confirmed with XXXX XXXX that they had my correct address, email address and phone number. I requested a copy of the bill, any bill addressed to my attention. XXXX XXXX has not produced a copy of the bill ( because they failed to bill ). I had no notice that the insurance did not pay the full amount for the procedure. Its been one year as of XXXX XXXX, 2016 and I have received no correspondence from XXXX XXXX. I contacted them by phone and all they said was your account was turned over to collections and there is nothing we can do. XXXX XXXX claims to have investigated my dispute, but all they did was send a verification letter to XXXX XXXX confirming an account balance. They never requested or confirmed if I was ever put on notice of any amount owed or if XXXX XXXX even sent an invoice or bill to my attention. Again no bill no debt no past due account. Now my credit score has been negatively impacted and XXXX XXXX and XXXX XXXX XXXX will do nothing. Please note, when I saw my credit score drop, I ordered a copy of my report. That is when I found this false claim of a past due account. I paid the {$410.00} on line, that week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Between XXXX XXXX and XXXX XXXX of XXXX, I received 2 notices of being enrolled in XXXX for a Citibank issued account. I have been a customer of Citibank for over 15 years so this could reference a number of things. I have held 4 department store cards, 3 business accounts, and 8 checking and savings accounts issued by Citi in that time.

The 1st notice said that I was enrolled and if I had no knowledge of this to contact them. The 2nd notice stated the same, adding that if I had not provided consent for being enrolled I would be issued a refund.

I called Citibank for a separate issue and asked about the letters. I was transferred twice before anyone knew what I was referring to. While holidng, I researched " citibank accountcare refund '' online and found that Citi will be refunding over $ 7M for illegal financial services billing and account management. 

Finally, I was connected with a credit card department refund assistant. She said that she could n't help me without detailed information from the letter. Because I am traveling at the moment and only have the confirmation number, I did n't have the actual letter. She directed me to the website for more info, which consists of only 2 pages - one to submit a claim and one page for FAQ. The FAQ page only has 11 questions with very little information and no phone number or options to contact Citi. I promptly gave her my opinion of her poor customer service and my disappointment that despite sitting in front of a computer that she did n't even offer to look me up by name or SS #. She responded by transferring me to someone who could. 

The second person was more apologetic about the situation but not much more helpful. She prefaced the conversation stating that her job was to help people access the website and she just so happened to be helping out with this refund situation. She answered two of my questions - if the notice letters were duplicates ( or were they for 2 separate accounts ) ; and which account was the letter was sent. All other questions were not answered. She said she did n't have access to any of my previous information about the account that is being refunded, she could n't tell me the timeline of when these fees were charged, nor when the refund claim would be processed, if I was going to receive the refund at all, nor if any of my other accounts were entitled to refund. She put me on hold twice to contact " account research '' and both times no one in that entire department was available. Finally, I asked for a number that I could call back to follow up and she said she has no other citibank phone numbers except her own.

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