vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late in XX/XX/2018 and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late ( they are different days by all the credit bureaus so i will attach a picture of it ) and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
The loan servicing company called XXXX, took over my VA loan, they have screwed it up ever since they have had it, making threats, false statements, failing to conduct an LPO/Audit and Fraud. 

There parent company is Servis One , Inc another fraudulent company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)
State: PA

Complaint narrative:
AR Resources Inc. placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.Request AR Resources Inc. to remove incorrect information off my credit report. More importantly, AR Resources Inc. are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2018 my employer notified me via email that there was a data breech and all employees W-2 's were stolen, and that we should be aware and monitoring our credit. On XX/XX/2018 there was a hard injury made from Axcess Financial in XXXX, OH. I immediately froze my credit and contacted Axcess Financial to notify them that I did not make this injury and it was fraudulent. They requested I fill out a report and send several supporting documents. I completed their requested documents and mailed them via certified mail on on XX/XX/2018. The certified mail was delivered and signed for at Axcess Financial on XX/XX/2018 at XXXX. Axcess Financial has continued to ask me to mail the same documents because they've said they've never received them. I repeatedly advised them that I mailed the documents via certified mail and they still have not been able to find them. They have most recently ( XX/XX/18 ) sent another email telling me they will be closing my case/fraud complaint due to the fact that I have not provided them with the requested documents. I again told them I mailed it certified mail and it was signed for on the above mentioned date. They have requested the tracking number for the certified letter, which I have declined to give because I've already given them the time and date the letter was delivered to their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX to remove incorrect information off my credit report. More importantly, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

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 2018-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been trying to use BBVA Compass mobile application and online web many times this month and I'm not able to login neither contact support to fix the login issue, every time exercise all of their options never worked, I have sent a letter of making reduce payments because I lost my job several months ago and now working at a reduced wage at another job ; since then their mobile banking won't take login information neither ways to successfully reset the login information it always says service temporarily unavailable for several months, same happens on the computer just says you have been " signoff '' and it don't give you access to any resource to " re-establish '' the login information. Several months ago visited a local branch here in XXXX ( XXXX one ) and their representative installed the app on my cell phone but did not want to use my regular email I use for all other accounts she wanted a special separate email for the BBVA Compass app, told me the account was not longer active and they were just taking payments. 
Obviously BBVA Compass does not want to work with me in any way, so I want your help to close this account permanently and just continue making payments to the account and I can't commit a fixed amount to this account since I have more important accounts to take care of, so don't want/like waste my time with BBVA Compass, just not worth the time spent with them. I want to continue making payments as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
Capital Accounts LLC placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Capital Accounts LLC to remove incorrect information off my credit report. More importantly, Capital Accounts LLC are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: WA

Complaint narrative:
I opened a totally free checking account with Bank of the West in XXXX XXXX in or around XXXX. There were no fees associated or minimum balance required. In XXXX I moved to XXXX state and used funds from the BotW account to pay for moving expenses. When I arrived in XXXX, I opened a different checking account and attempted to close the Bank of the West account over the phone. The representative informed me that I could not close the account over the phone, but had to visit a branch. The closest branch at the time was hundreds of miles away, so I left {$5.00} in the account and let it sit idle. I check the statements delivered through email periodically and it sat there safe and sound for over two years. On XX/XX/XXXX I was suddenly charged a {$10.00} " Service Charge '' with no warning, bringing my account balance to - {$4.00}, and another one on XX/XX/XXXX dropping me to - {$14.00}. I first became aware of this problem on XX/XX/XXXX and immediately phoned Bank of the West at XXXX XXXX Pacific time. They informed me that my account had changed, but that they could not notify me of this via email, even though all of my statements and correspondence have always been exclusively through email. The supervisor then stated that there was a notice in the statement of the month when the account changed. At that point I checked the appropriate statement and found no such notice at all. I was also told that they could not reverse both charges, only one, and that I would need to bring the account to positive balance before I could close it. I told them that I had repeatedly tried to close the account over the phone in the summer of XXXX, but that I couldn't accomplish it over the phone. Now, they want me to send a check for {$4.00} to a branch in XXXX, XXXX  in order to achieve a positive balance and then call back in to attempt to close the account. Needless to say, based on previous experience, I have little reason to trust that my account will be closed via a phone call. I'm furious that the terms of my account changed without my knowledge or consent, and now I've had money effectively stolen from my account and, worse still, extra fees tacked on. I've attached the last five statements, and they clearly indicate the lack of transactions, as well as the sudden, inexplicable change of my account from " Free '' to " Any Deposit ''  sometime between XX/XX/XXXX to XX/XX/XXXX. Without my consent or knowledge! The Service Charges begin in XXXX, XXXX. I realize it's not a large sum of money, but it's the principle that matters.

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 2018-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
Contract Callers placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Contract Callers to remove incorrect information off my credit report. More importantly, Contract Callers are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I paid XXXX XXXX off on 3 different accounts at the same time. During the call they agreed if paid it would not appear on my report. 2 years later its still here!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Earlier this year I experienced an issue logging into my credit card account on chase.com. Specifically, Chase required me to enter Identification Code that they could sent to my phone via text or a voice call or via an email message. When I requested the Identification Code to be sent to me via a text message, no text messages from Chase arrived to my phone number.

The feature of delivery Identification Code via a text message to access Chase credit services is widely advertised by Chase on its website and is available to other customers of Chase.

I had informed Chase via Secure Messaging system that no text messages from them were delivered to my mobile phone account. My mobile phone account is able to receive text messages and I have been receiving identification codes via text from other credit card companies without any issues.

Over a period of two months I had been communicating with Chase via their electronic Secure Messaging system trying to resolve the problem. Chase representatives repeatedly asked me to call their company phone number in order to resolve the issue. I repeatedly asked Chase what information it required from me in order to resolve the problem and was willing to provide any such information via electronic messaging system upon request. During the two month period of me conducting communications with Chase in writing I never received from Chase any requests for any specific information related to the issue.

It appears that the sole fact of them speaking directly to me over the phone was their requirement in order to provide me with the same level of service as they provide other customers. Chase never provided me any other reason why my account is adversely affected. 

In XX/XX/2018, Chase informed me that they will no longer be communicating with me via Secure Messaging system on their website. Subsequently I contacted Chase about additional issues restricting my use of their website and my requests were left without a response from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I just need help gettin it off my credit scores they got the car back an it sold at Auction for XXXX an she got the car for XXXX an pay XXXX on it an now they send me a letter sayin I owe XXXX from BBVA compass

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto Finance was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me

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 2018-09-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me

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 2018-09-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a credit balance on my card due to a refunded purchase. Despite repeated requests for a refund, AMEX has not complied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery Agency placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request National Recovery Agency to remove incorrect information off my credit report. More importantly, National Recovery Agency are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX  over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.

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 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Radius Global Solutions placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Radius Global Solutions to remove incorrect information off my credit report. More importantly, Radius Global Solutions are in violation of FACTA section 623 ( A ) ( 7 ). 




Balance {$210.00}

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