vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
For approximately 6-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX 's custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact Bank of America ; however, account number provided by XXXX XXXX is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
On XX/XX/2018 I sent XXXX XXXX XXXX a letter requesting them to provide me with an originally signed consumer contract for an inaccurate account which does not belong to me from Fair Collections and Outsourcing # XXXX. On XX/XX/2018 XXXX XXXX XXXX signed the return receipt. A few days later they sent me a letter saying they investigated and the account is accurate which is incorrect. They have failed to provide me with a signed consumer contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: MD

Complaint narrative:
My loan has been sold about 4 times since I first opened it in XX/XX/XXXX. The current company, XXXX XXXX, has claimed I have no hazard insurance, and they threatened to make me pay for additional insurance. This information was transferred when the loan was sold. I also had my insurance company fax the information. Today, XX/XX/XXXX, I got a letter, dated XX/XX/XXXX, that this was my second and final notice regarding hazard insurance. They again said I do not have any. I called and ask why they were sending this. They said they never got any information from the insurance company. I then said the information was faxed. They then said they did get information, but it wasn't sufficient. The obviously lied initially and are now claiming there is not enough information. They told me to send the information again. I told them I would, but asked how I would know it was sufficient this time. They said they wouldn't. I would have to call or ultimately pay the additional fee. They are making it impossible and seems like a scam, to say the least. I don't know what to do. I plan to get a lawyer involved, as this seems highly illegal. Also note : in my 2 months with this company, this is not my first issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Received call from XXXX debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} American Express Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. american Express Account opened in XX/XX/2018 and closed in XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX XXXX XXXX Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: CA

Complaint narrative:
I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit report that were past the statute of limitations.

2.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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:
I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit report that were past the statute of limitations.

2.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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: CA

Complaint narrative:
My XXXX account XXXX is not reporting to TransUnion and as a result, my credit rating is being adversely affected when compared to the other credit bureaus as my average age of accounts as well as my available credit is not accurate because TransUnion is not considering this account when factoring my credit score. 

I have contacted XXXX who issues the XXXX credit card and they advised they are reporting the account to XXXX, XXXX and TransUnion. See attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have operated a XXXX XXXX in my home for over 20 years while living there as my Primary Residence. On XX/XX/XXXX Hurricane Matthew struck the First Cost in XXXX, and a 4 ' diameter Oak Tree fell on the property and render the property in-habitable. 
The Insurance Company did not approved of the Claim until on or about XX/XX/XXXX, and the repairs to the structure, roof, floor, walls were replaced and a Certificate of Occupancy was certified after XX/XX/XXXX.I have been without revenues for over NINE MONTHS! Today, we are back in the business of running the XXXX XXXX, although MANY PARENTS DID NOT WITH THEIR CHILDREN because of the length of the closure. 
Meanwhile I continue to work at the XXXX County XXXX XXXX as a Part-time XXXX, but my income was insufficient to keep the Mortgage Payments current. 
I have applied for a Loan Modification as soon as income started to come in and have presented a Profit and Loss to Wells Fargo as well as my Pay Stubs from my part-time job. Wells Fargo Home Preservation Department stated that I did not earned enough income to offer me a Loan Modification according to Making Home Affordable Act. Wells Fargo steadfastly insisted that my Income from all sources was ONLY {$1100.00} a Month. I appealed their decision and provided Bank Statements showing the average gross income from the XXXX XXXX to be {$2000.00} and growing, and my Part-time Income is {$1200.00} gross per month. Wells Fargo 's representative telephone me today and said their decision remains the same. My Mortgage is a 9.6 % 80/20 Predatory Loan with 11.00 % Second Mortgage service by Wells Fargo. I disagree with their decision because they DID NOT OFFERED ME HAFA, or any other Program in the HAMP. I have attached my Pay Stub, and Profit & Loss for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an account with Citizens Bank online in early XX/XX/2018. My account type was One Deposit Checking account. After a few days of opening the account, I found out that Citizens Bank did not intend to honor a sign-up bonus that I was interested in. So I called them to close the account. But every time I called them, I had to wait at least an hour listening to the hold music and still not getting any live human agent to talk to. After calling in about 4 times, I gave up. I visited their branch at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and talked to a bank agent in person. She said she closed my account. But after returning home, I found out that I could still log in to my online account and neither did I receive any notification that my account was closed. Please close my account ASAP. Otherwise they would find another reason to charge me a fee next month!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: CA

Complaint narrative:
I had sent my dispute by certified mail to this company to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, this company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. 

This company dubiously claim to have somehow verified these items. Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! 

Please remove this immediately! This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have allot of medical bills damaging my credit. I can't even get a apartment on rent so I can live In peace. I talked to a paralegal and he said that medical bills shouldn't be apart of your credit. Please remove this. The company name Is 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 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Received a notice that our account had been sent to collection. We asked for validation of the debt from the collection company and did not receive any response other than further attempts to collect the debt. We received a bill from XXXX but they had already reported it on my credit report. We did not agree with the balance so we asked for validation. We want details including an itemized bill, explanations, etc. We just don't agree that we owe. We had medicare at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NE

Complaint narrative:
This loan was sold to Rushmore Loan Management Services to  be effective XX/XX/18. My account was set up for automatic ACH payments to be made by Rushmore on the 1st of every month. For whatever reason on XX/XX/18, they changed the ACH payment amount, without notifying me, and posted it under XXXX ... ..the dollar amount and the Payee were unknown to me and I stopped payment. Because of all the confusion and their questionable payment methods, that payment was late. From that point on, all payments have been paid by Money Order, as per Rushmore 's instructions. I have been late with a payment but I have NEVER missed a payment! As of the date of this writing, my account is current. They have reported me for missing two payments and that is FALSE. I can account for all of my payments. My account has always had sufficient funds in it to be kept current and in my opinion, Rushmore has mishandled my funds, and has shorted my principal payments by carrying excess funds forward as unapplied funds. They refuse to correct their reporting and acknowledge they are wrong. My Credit Score has dropped from 800+ prior to their reporting down to 600+ with their FALSE reporting. This is  unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX medical center Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I was late on a payment on my student loan for XXXX XXXX. I just recently graduated  and I am still looking for a stable job. I owed a payment XX/XX/2018. I was unaware of such payment requirement and I did not pay it on time. I got an email about its past due status. I deferred my loan payments while in school twice. However, I did make the payment for XX/XX/2018. I am now aware of these payments but I was not before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E. A. Uffman & Associates, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX has been reporting and damaged my credit report says I owe {$2300.00} for something that they say I rented on XX/XX/2016 from a company called XXXX  and I have not I have disputed this collection many of times as not mines identity theft with the credit bureau and they still says I owe this account I have requested proof of this account that they say belongs to me and the information I received is unverifiable the address they have does not belong to me the telephone number is not mine nor does it has my signature I don't understand how they was able to even report this under my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
In the month of XX/XX/2018, I sent a {$47.00} money order to XXXX XXXX to pay off the debt in full for a collection account I owed. According to XXXX XXXX Policy on their own web site, it states once a bill is paid in full, Midland will then remove the collection from the credit report. I sent the money order certified mail with return receipt. I was recently shocked that on my XXXX credit report they increased my balanced owed to XXXX dollars on my experian credit report. On my XXXX  report, the balance is now showing XXXX dollars. For the past year, my account balance has been XXXX dollars. Now all of a sudden, when i choose to pay the debt off in full, XXXXXXXX XXXX   changes the amount I owe. They are committing fraud by changing my balance constantly so I will keep paying..They purposely created their own accounting records and make up fictitious balances so that I would have to keep paying in a never ending cycle.I would like Midland to be fined for creating false accounting documents for my account and I would like it removed from all my credit bureau reports immediately . I  would like XXXX XXXX  to show the original instrument that shows I owe the debt, I want full accounting records showing my methods of payment for this account, and I would like Midland to provide documents that show they own the debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NE

Complaint narrative:
I was unknowingly enrolled in Discover 's " Payment Protection '' plan when I initially signed up for the discover credit card in XXXX. This has resulted in over {$1000.00} of charges over the years, which has led to my account gaining a balance. They informed me they were emailing me biyearly to alert of my enrollment in the program, but the email did not specify that I was enrolled in anything, nor does it say I was charged for the program. This led Discover to offer reimbursement for the last 6 months of fees, but I do not believe their biyearly alerts were straightforward or clearly stated that I was enrolled in a program, paying for it, and as a result of my enrollment my balance was never going to be paid off by making minimum payments. I see no case where this program helps anyone, as it lead to my balance increasing despite making monthly payments for the last 5 years. It is predatory to a degree, and only hurts the consumer. 

I have not spent a dollar on this card in over 2 years, and my balance has gone from {$2600.00} ( XXXX-XXXX XXXX ) ; to {$2700.00} ( XXXX XXXX ), despite making payments every month.

Company response to consumer: Closed with explanation