vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I had an routine XXXX XXXX  with my former XXXX insurance. ( XXXX XXXX ) last year on XX/XX/XXXX in a XXXX XXXX at XXXX XXXX  ca. XXXX originally bill XXXX XXXX XXXX my former primary insuranceXXXX XXXX XXXX  paid only an amount for the XXXX ; however, I swowed proof of my XXXX XXXX   insurance when I had the test.

I went to XXXX offices to speak to a representan and told me they would bill XXXX XXXX  again for the payment. XXXX XXXX said that they paid the benefits and I should only worry about the copayment of XXXXdls I was sent to collection by XXXX XXXX because of that issue on the month of XX/XX/XXXX. I called both XXXX  and XXXX XXXX to fix this misunderstanding and both of they blame each other for this payment.

OnXX/XX/XXXX I had to pay XXXX dls to FINANCIAL CREDIT network to get out of collections. I called both XXXX and XXXX  again to request for a disbursement and they kept blaming each other about it. XXXX XXXX  says they paid the service on XX/XX/XXXX, XXXX denied it. On the meanwhile I was sent to collection and pay XXXX to get my credit as it was before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: NC

Complaint narrative:
I was seen for a routine XXXX XXXX at a provider I had not used previously, XXXX XXXX XXXX XXXX. I supplied all pertinent insurance information to the company to be submitted by them with their claim. Months down the road I received a collections notice regarding this visit- apparently the office staff never submitted the paperwork for my procedure. I promptly contacted the XXXX XXXX office directly to inquire, and in no unsure terms was told that it was my fault and they were pursuing collection. It has been well over a year since my visit, and it is still unaddressed and in collections making a derogatory mark.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened this account prior XX/XX/XXXX.

My first credit line Increase application was back inXX/XX/XXXXand it was denied I was told to wait until XX/XX/XXXX to apply again to see if itll be accepted I was denied again.

I called customer service rep and spoke to several customer service reps as well as manager and explain that I had tried several times to get a credit line increase and I continue to get denied.

The last agent I spoke to told me I needed to wait until XX/XX/XXXX that is 1 year wait too long of a time in every denial letter the only thing that it says is that a credit line increase is not available. My credit is over 730 in all 3 credit bureaus also I have always made on time payments every month and paid more than the minimum every both while always maintaining a low balance on my account. 

I want to be given my credit line to be increase like I'm supposed to.

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 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As a Wells Fargo Customer I deposited check on XX/XX/XXXXand a check on XX/XX/XXXX. The deposits where very similar to usual and customary. Wells Fargo gave me a deposit receipt showing funds available on XX/XX/XXXX andXX/XX/XXXX. Wells Fargo received funds from the depositary institute onXX/XX/XXXX, and XX/XX/XXXX WELLS FARGO HELD MY MONEY FOR 10 DAYS AND CHARGED ME {$170.00} OF OVERDRAFT FEES.

Wells Fargo placed a 8 day hold on one the check deposited XX/XX/XXXX, Wells Fargo put a 10 day hold on the check deposited XX/XX/XXXX. I called the XXXX on XXXX, and spoke to a representative that said they would follow up with the Branch that accepted the deposit. No Follow up! I called the XXXX number as a follow up on XX/XX/XXXX. After receiving incorrect information from XXXX. XXXX gave me incorrect information about Wells Fargo policy. She ten transferred me to XXXX XXXX her supervisor. XXXX then bridged a call with branch assistant manager XXXX XXXX After 2 calls with XXXX she hung up on me.

I had to call back to speak to XXXX, the branch manager. XXXX promised to call the back office holding the deposits. She did not follow up and did not call back.

Each Wells Fargo representative communicated that Wells Fargo did not have the money from the depositary institute.

MY DEPOSITARY INSTITUTION PAID THE CHECKS ON XX/XX/XXXX AND XX/XX/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 monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
I am reaching out for assistance with a lingering matter with XXXX XXXX XXXX XXXX doing business at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

In XX/XX/XXXX I filed a complaint regarding excessive text messages and collection calls received from XXXX employees. At that time I communicated employees actively texted my cellular number of XXXX after I communicated I did not wish to receive electronic communications from the lender. 

Today, XX/XX/XXXX, I phone XXXX to request lien releases on my XXXX XXXX XXXX as well as my XXXX XXXX XXXX. The individual advised my request would be forwarded to upper management which lead to me being contact by XXXX legal counsel. 

During my conversation with XXXX  attorney I was advised I filed a complaint with the CFPB and did not respond and I could receive a release on my title if I paid an outstanding in 2 payments. Upon hearing this information I advised the attorney I did not owe any money to XXXX and in XX/XX/XXXX she advised the company would not reimburse me for expenses and fees incurred as a result of the repossession but my account would be closed and noted as paid in full. 

Attached are my phone records XX/XX/XXXX through XX/XX/XXXX showing phone calls between XXXX XXXX Ohio location as well as the XXXX legal counsel.

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 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Seterus, Inc.
State: FL

Complaint narrative:
I received a response that doesnt answer my complaint. They are telling the truth I was promised the repayment will not affect my credit score, they lied. I want them to jorobe their word. All the agreements were verbally made and they refused to listen to the conversations. They just dont care. If I knew the repayment will affect my credit I would have chosen a very different route their unethical behavior is affecting many people they dont stand behind their employees, the fact they are not properly trained is not the consiners fault. I just want sereterus to stand by their word, they are legally committed to what they said.

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 2018-06-12 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I went to XXXX located in XXXX, XXXX. Saturday XX/XX/XXXX between XXXX-XXXX XXXX and I gave XXXX permission to access my credit report and try to obtain financing. I did not give permission to : ALLY FINANCIAL XXXX XXXX XXXX XXXX, XXXX  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 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, we got a mortgage for {$530000.00} on a fixer upper house, and now that work is done the house is appraised at {$730000.00}, according to a XX/XX/XXXX appraisal that was ordered by Movement mortgage, paid for by a {$420.00} check that I wrote to Movement ( appraisal cover page attached ). Our current principle balance on this house as of XX/XX/XXXX is {$530000.00}. In a letter dated XX/XX/XXXX, sent to me by movement mortgage, I was told that I could apply for a two year seasoning waiver if substantial work was done on my property, which it was. This letter can be seen in the attached document. Despite me jumping through all the hoops to get this PMI removed, Movement still wants to charge me the $ XXXX/month for PMI. This can be seen in the attached letter dated XX/XX/XXXX. I have made multiple attempts to get it removed Movement still wants to scam me out of nearly {$150.00} A month for mortgage insurance I don't need. It is even more insulting that in addition to the $ XXXX/month that I am paying, I also had to pay {$420.00} for an appraisal that up to this point has been completely useless. My LTV is 73 % so there is no reason I should have this extra expense besides the incompetency of Movement. Every day this goes on is {$5.00} out of my pocket, which is why it has been so frustrating that Movement refuses to do the right, correct, thing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
XXXX the HDFS manger called the XXXX police on me and filed a fake police report saying I was suicidal. Im a young XXXX man in Missouri this couldve gotten me killed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
i filed a complaint with the cfpb regarding shellpoint mortgage servicing ... yesterday I was told by shellpoint that my loan was with underwriting and they would not give me a loan modification until I " lifted '' my complaint against them I placed with the cfpb ... is this fair? ... im not allowed to seek council from an agency that protects customers..and ask that they supervise whats going on? ... I don't think they are legally allowed to deny me a modification unless I cancel my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Khohls/CapOne is currently reporting a CHARGE-OFF on my credit that they have sold to different companies. These companies have determined that I AM NOT responsible for this account. And have removed them from my report. 
The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification to verify these accounts. According FCRA 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days of receipt and must promptly give you additional relevant information provided by the consumer if the Original creditor does not respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files Kohls/CapOne is also violating FCRA validation laws. 
in XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX, -- - XXXX XXXX -- - ( XXXX XXXX. XXXX ), XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX ), XXXX XXXX App. XXXX  XXXX XXXX, because credit reporting may be considered collection activity, debt collectors should not furnish information to the credit reporting agencies until the validation/verification period has expired and the debt collector has not received a dispute. Then the debt collector wont have to request deletion of the trade-line to avoid violating 1692g ( b ) in the event it can not validate the account. 
XXXX, XXXX, XXXX are also violating the Fair Credit Reporting Act, 15 U.S. C. 1681, etseq.., and their actions violated the Fair Debt Collection Practices Act, 15 U.S. C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ), 1. The account originated from a different address than my own. 
2. The Statute of Limitations for Companies to Collect on a unsecured contract is 4 years in the State of California. 
3. XXXX and XXXX  have NOT done a proper investigation of these accounts. To Reply to me with a FORM letter is Violation of FCRA 605 and FCRA guidelines for INVESTIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been contacted over 100 times by XXXX XXXX   after I provided them with the extenuating circumstances regarding our daughter who was hospitalized over 34 Days in ICU and sent them a letter on XX/XX/XXXX. I also, set up arrangements and told them they would be paid and I would recommence the payments. However, when a representative called me on last Sunday night before XXXX XXXX, I told her to stop calling my phone and stop contacting 3rd parties regarding my debt. They have not only been calling me but also reaching out to my brother who I did not give them permission to contact, nor do we understand how they obtained his relation and contact information. It is illegal to contact 3rd Parties. After I told the representative not to contact my phone on late nights with repeated calls, the next business day I received a retailitory act from XXXX XXXX. They spitefully closed my account after this call with the representative on last Sunday evening - XXXX XXXX   weekend. Beyond that, on last evening - XX/XX/XXXX, a XXXX called repeatedly from Ext. XXXX and also again illegally contacted a 3rd Party regarding my XXXX XXXX with XXXX XXXX. I am requesting that XXXX stop their Harrassing & Threatening Tactics stating they will file Legal Actions, and threatening me on several occasions. We have a daughter who is XXXX and we need you to stop your Harrassing tactics!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX has a fraudulence case against defendant and garnish wages-false notice of rights for defendant to dispute the case at the time of an alleged judgment. 2 courts can not verify debt to tell defendant what credit card XXXX is garnishing defendant wages for. lawyers could not know what credit card in question XXXX are garnishing defendant wages for. credit card account information in document to garnishee is unknown. XXXX used improper service and correspondence to have an alleged judgment against defendant. defendant did not receive valid information to verify debt as XXXX wants to collect incorrect amount of money from defendant. Defendant learned such garnishment from Garnishee and after money was subtracted from defendant paycheck. XXXX is in violation of FCRA ( fair credit reporting act ). Attorneys of XXXX  are using misrepresentation to have an alleged judgment and to garnish defendant wages and these, I believe, are violations of FCRA and of sensitive security information that is controlled under 49 C.F.R. part 15 and 1520. Please, CFPB stop XXXX and this garnishment to protect consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: NY

Complaint narrative:
CALLER CLAIMED MY RECENTLY DECEASED ( 3 WEEKS AGO ) WIFE HAS OUT STANDING DEBTS THAT NEED TO BE CLEARED UP ... ... ... PHONE # XXXX ... ... ... MY WIFE HAD NO DEBTS ... ... ... ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GMA Investments, LLC
State: ID

Complaint narrative:
this company continues to call my personal phone, my employers phone, my friends and family after repeated times of asking them to stop and only contact me via us mail. i also asked them to send me proof of the debt and they refuse. they use profanities and threaten me. they tell my family and friends to pay the debt. they just called my work and told my employee that they are collecting a debt for me and they were rude to her. i DO NOT WANT THEM TO CALL ME ANYMORE. please only contact me via us mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Credit Karma, LLC
State: FL

Complaint narrative:
I logged onto credit karma to check my score and a random card from XXXX XXXX in Utah popped up on my account. I have never even been to Utah and I have no idea where or who this card belongs to. I filed a dispute but I am worried someone has stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC.
State: OK

Complaint narrative:
My wife signed a lease where we were insured that there was a Military Clause. We toured the property together in like mid XX/XX/XXXX and they copied my ID. My wife signed the lease on XX/XX/XXXX which is clear even on the paper they sent us to prove that there was no Military Clause and the had no idea I was going to the Military, but the Lease copy they sent us has a Military discount. Also I left late XX/XX/XXXX to report to a hotel to meet my recruiter and was sequestered at a hotel to wait for all the other recruits. On XX/XX/XXXX I was starting my first day of basic training in the XXXX. So there is no way that I was in XXXX at all. Even the debt collector said our names were written in different color ink. But he " handwriting expert '' says the signature on the lease looks like the signature on my ID. She sent us the paper and what it is, and what it looks like is someone trying to copy my signature. I sent the collector proof of my orders that specifically show that I never signed a lease or even lived there. I went straight from basic training to XXXX to being XXXX in Alaska at XXXX XXXX. My problem is that falsifying my signature made that whole contrast null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 I attempted to access Bank of America 's ( BofA 's ) online banking as usual, but I was presented with a modal dialog about whether I wanted to receive legal notices by mail. The dialog could not be dismissed or cancelled. 

I had previously informed BofA numerous times that I wanted to continue receiving statements and legal notices by mail. 

In large bold text was the button " Save my choices ''. Above it, a checkbox for my " Bank of America Cash Rewards Visa '' card was pre-checked. I had already chosen to receive notices on paper, so I had initially assumed that " Save my choices '' referred to once again confirming and saving my choices. 

After pausing to read more carefully, I learned that BofA was trying to deceive me into clicking through so I could continue with my online banking activities, which would have inadvertently caused me to lose access to paper statements. Those were not my choices at all. Those were BofA 's choices. 

BofA 's behavior here was deceptive and inappropriate. BofA could have named the button non-deceptively, for example : " Stop receiving statements by mail '' or " Accept our suggestions ''. 

Bank of America 's particular choice of language, " Save my choices '', was intended to deceive consumers and cause them to change the manner in which they would receive legal notices.

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX submitted a form to TransUnion to delete item with account # XXXX - XXXX XXXX XXXX, which was opened XX/XX/XXXX. This item is still being reported on TransUnion report as closed but needs to be deleted.

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