vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Hi, This account that has been reported numerous amount of times is basically the same bills. They are adding them to every inquiry for the same month twice and amount. How is this possible to report something over and over with same amounts and in same month. There are just a few that have a different amount but majority are the same. I want to know how this can be repeated over and over. Here is the company and the amounts that are the same but just reported on different days. How can they do this? Makes it look like I owe numerous bills and for the same amount and months! See below the same company and information. 

New collection WAKEFIELD & ASSOCIATES XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIGY USA CORP.
State: GA

Complaint narrative:
I went to XXXX County Court XX/XX/XXXX over this matter. XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX and XXXX, XXXX XXXX , PA XXXX, are still trying to collect a debt that is not mine. FBCS # XXXX, {$20000.00} ( XXXX XXXX ). This card and others was paid by a loan taken out XX/XX/XXXX over 15years. This loan is now paid off. 
I was sent a letter by XXXX XXXX that my personal information was hacked from their office. 
I received a letter from Secretary of Veterans Affairs dated XX/XX/XXXX my identity was stolen ( retired XXXX XXXX ). 
XX/XX/XXXX, US Department of Justice filed charges aganist defendant XXXX XXXX for tax fraud against myself and others XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY EQUIFAX IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: LEXISNEXIS
State: AR

Complaint narrative:
LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY XXXX  IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
DITECH HAS VIOLATED THE : DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT TITLE X FOR THE LAST TIME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX billed me XXXX sometime in XX/XX/2018. I called them to make payment arrangements. They stated that within 2 months I could initiate payment arrangements by sending them {$500.00}. Then I could make monthly payments of XXXX. I mailed them XXXX as a XXXX payment. I called them again to make the payment arrangements. XX/XX/XXXX, I paid them XXXX. They sent me another bill and it stated that if I didn't pay the entire balance it would be sent to a collection agency. I called them again and stated that we had made payment arrangements, that I was to pay XXXX per month for a year. She said okay. In XXXX, I sent them a check for XXXX which they cashed on XX/XX/XXXX. They sent me a statement to pay the balance or they would send it to a collection agency. I called them again and stated that I didn't understand. We had made payment arrangements. I am paying them XXXX, which was the amount they decided ; why would I come up with a number like that? They said, oh ... .it 's because you did not submit a debit or credit card number. I told them I don't give out debit or credit card numbers. I told them that I had a credit score of over 800 and I would faithfully pay them the amount we agreed upon, and she said okay, and she would  make a note of it. On XX/XX/XXXX they cashed a check for XXXX. On XX/XX/XXXX, I received a letter from a collection agency. I could have borrowed the money to pay them off, if I knew they were going to send it to collections. I would prefer to stick to the original interest free payment. It was my understanding we had payment arrangements. I can not afford for them to ruin my credit. I paid them what we had agreed to, but yet they have threatened to ruin my credit score by sending my account to collections because I refused to give them my credit or debit card. This is unfair! 
I pay my bills on time! And I have paid them on time, and they should stick to the original agreement!

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 2019-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank goes out of their way to find creative ways to charge customers overdraft fees. I was at dinner on a Saturday and checked my app before paying a bill. The app showed a balance that was enough to cover the bill and I left a cash tip. I then made cash deposits to my account on the next day Sunday as my balance was running low. I wound up getting charged an overdraft fee days later because TD said that my balance after the dinner was negative ( again app doesn't show that ) because they went back and posted a gas charge that originally came through as {$1.00} and was finally submitted by the merchant as {$45.00}. I had the cash in the account well before the {$45.00} posted. I find this practice misleading as the available balance never went negative and yet I am charged on a back dated transaction even though the merchant didn't charge my card the {$45.00} until several days later. The dinner charge was on Saturday XX/XX/19 and posted on XX/XX/19. I have worked with other banks before and I know they do not charge an overdraft fee in this case. However, TD seems to do whatever they can to charge you. I tried escalating within TD and all I had were reps telling me that I didn't have enough available to cover the dinner essentially telling me I am lying or blind as I know what I saw. I told them I know what they are doing with the backdating of transactions which is misleading and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
When first contacted months ago I explained that I have no income, that I will represent myself in the court. 
I continue to receive calls. 
Phone calls continue. I declined to give personal information without knowing the identity of the person calling. 
I phone back several times only to be treated disrespectfully because of my severe hearing impairment. 
Next phone call I was placed on hold for one hour and twelve minute and finally gave up. 
I sent a letter dated XX/XX/2019 explaining the above and told them to stop phoning me and to only contact me by certified return receipt U.S. mail. 
KeyBridge XXXX XXXX XXXX XXXX XXXX, OH 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 2019-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted Trans Union by mail disputing numerous credit inquiries on my credit report that I did not authorize I then received a letter back saying that my written authorization and may not be required to constitute permissible purpose. I do not know why these credit inquiries appear on my credit report but I do know that I did not apply or give any company the permission to inquire my credit reports. This is a violation of the fair credit reporting act section 1681B ( c ).

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 2019-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Company is attempting to collect a debt that does not exist. Account was paid in full and I believe this is an extortion attempt. I contacted XXXX and they had no knowledge of any monies owing or why this debt collector was trying to collect on an account in good standing,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  is currently showing as reporting this negative and unknown on my Experian credit report. under XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, NJ XXXX ( XXXX ) XXXX, although they had previously corrected this as paid and closed. XXXX XXXX states it is not their account, however, the info matches their XXXX XXXX  Retail card services as shown on attached photo of their XXXX  page.

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 2019-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
I refinanced my mortgage and paid it off in full on XX/XX/2018. Rushmore Loan Management is the servicer, and did not apply the payoff until XX/XX/2018, which is also the day they collected an additional biweekly payment on my loan of {$1500.00} Post final payoff value in XX/XX/XXXX, Rushmore collected another biweekly payment in XX/XX/XXXX for {$1500.00}. That makes two {$1500.00} payments + the extra amount they quoted to the Title company to " ensure the amount is fully paid '' which together all three of these is now {$4900.00}. 

I called them on XX/XX/XXXX or so to find out when I can expect to receive my {$4900.00} refund and was told that their company " policy '' is to wait a full 20 business days, or rather ONE FULL MONTH to begin processing my refund. I can not believe that is legal to just sit on my {$5000.00} for a month before doing anything after they already acknowledge that the mortgage is fully paid and they have my money sitting in a suspense account and they placed the overpayment into an Escrow account. The sum of the two is the {$4900.00}. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were XXXX  and Experian. Now Experian states as of XX/XX/XXXX there was no data to be reported but XXXX  stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that Experian and XXXX  did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the 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 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This was a business account my company had that is now closed. The debt was with XXXX XXXX not collection company. Debt was charged off by XXXX XXXX and taken off company credit report then this collection company decided to make the debt a personal debt payable to them. I nor the closed company ever signed any agreement with the collection company. Moreover, their representatives have made it clear they have no intentions on removing the illegal debt and they will kept placing it on my personal credit report despite that it may be illegal and my objections. They opened a closed account and are making it new and open, which goes against the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
Coast Professional , Inc. is claiming that I owe XXXX XXXX XXXX XXXX College {$10000.00}. 

They have called my work multiple times which is not appropriate. I asked them to validate the debt. All account receivable forms that Coast Professional , Inc. show a balance of {$0.00}. 

Additionally, my student loan balances are owed to XXXX for my attendance of XXXX XXXX XXXX XXXX. 

They have called my personal line multiple times as well as continuously send me mail correspondence.

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 2019-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. 
I was mislead by a deceptive practice into the purchase of a new vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
This was a debt that originated with XXXX  XXXX XXXX and not this collection company. Debt was charged off by XXXX  XXXX XXXX then replaced back on as active by collection company. I informed them that I believe their actions to be illegal and representatives became very rude. I asked them to stop calling and notify me in writing, they have refused. It is my opinion that their actions are illegal and at best falsifying information on my credit report to cause me the most harm. They are intentially hitting my credit report as often as they can to make my score go down. Their actions have caused me to lose a federal job.

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 2019-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mendelson Law Firm
State: TN

Complaint narrative:
InXX/XX/2017 XXXX XXXX came to our home every 2 weeks to demand money. 
Finally, we surrendered the vehicle in XX/XX/XXXX. We never were notified of sale of vehicle, or the amount they sold it for. The only notice we received was an amount they put on our credit reports. 
When we tried to obtain verification and validation of the collection amount, XXXX sold the debt to a debt collector. They violated my rights as a consumer by 1. Sending thugs to my home every 2 weeks. 2. Never notifying if any kind of the sale of the vehicle.

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 2019-01-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were TransUnion and XXXX. Now XXXX  states as of XX/XX/XXXX there was no data to be reported but Transunion stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that XXXX   and Transunion did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the 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 2019-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
ALLY FINANCIAL, they have done this to me twice, they call 3-5 times a day after you are late 5 days, they offer you a loan extension to place the owed payment on the back of the loan if you pay right away, once you pay, you get a call usually about 10 days later, but in my case they called about 7 days later requesting back payment, I informed them of the extension payment and they tell you that you had to sign and return by mail, not fax, or email this letter, once I told her that its not been 10 days, shes says my extension request was denied ..there was never a mention of any letter, just payment

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