vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
We moved out of XXXX XXXX in XXXX FL in XX/XX/2015, ( XXXX XXXX XXXX ) As we were moving out they presented me with a bill. 

Said we didn't maintain AC, dirty carpets, water bill. 

I paid the water bill portion because that I believed we owed. 

I disputed the AC and dirty carpets. 

I then found they filed with a collection agency, but I was never notified of this action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XXXX/ XXXX/ XXXX XXXX is stating that I owe money to the company, however the debt was verified as invalid with XXXX  XXXX. Amount that they are stating I owe is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance Corp reported my husband and I 30 days late on both of our credit reports. I called to ask them what happened because I had made a payment and it posted to my account and I had a confirmation number. Credit Acceptance traced the payment to our 2nd car loan account and found that the payment had been placed on the wrong account. Well our insurance also just paid off that 2nd car due to an accident from all the horrible snow we have gotten. Credit acceptance said that even though the payment went to the wrong account they couldn't open that account again and place it o the right account because the account was paid off and closed now. I spoke with a XXXX from Credit Acceptance and she said that she was placing a note on our file that her supervisor told her for us to dispute it and then when it is investigated the can let the credit company know what happened and that it was not late. Well we disputed it our dispute came back today saying that credit acceptance told the credit bureaus that it was true and accurately reported as past due. So obviously whoever did the investigation is just horrible at their job and not very thorough or the person working at Credit Acceptance didn't look into our file to see the notes they said they had placed.

Either way, this company has violated our FCRA rights and is making false allogations because they can look into their system and see that our payment was made in to the 2012 XXXX XXXX   account not the XXXX XXXX  account like we said and then see the notes from previous phone calls that they are supposed to be taking as part of their jobs. They also said the call was recorded so there are those records as well.

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 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
COLLECTOR FAILED TO VALIDATE AND CEASE AND DESIST COLLECTIONS AND CALLS. THE DEBT WAS MEDICAL IN NATURE AND WAS PAID LATE BY STATE INSURANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have requesting correction or removal of the derogatory account reporting from XXXX XXXX   XXXX time in the last couple of years. This account was paid in full under no settlement or otherwise stated. This account was never late or every a collection account. The company has corrected the information with only XXXX credit reporting agency and the derogatory information of a charge off is still being reported on my XXXX credit disclosure. Date of request were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On my last request to dispute the company had the audacity to not only NOT correct the inaccuracy but to change the corrected CRA file to report negatively. This account was paid in full on XX/XX/XXXX therefor could not be a collection account or late or derogatory in XX/XX/XXXX or XX/XX/XXXX as reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Upon having my credit report obtained there was a collection debt for {$91.00} with credence resource management. When confirming my address, Credence Resource Management did not have my Apartment number, therefore I had never received a bill from Credence ( nor from XXXX XXXX XXXX XXXX, the bill that went to Credence ) I paid {$91.00} to Credence Resource Management on XXXX XXXX,2018. I asked for a letter of deletion, thru said they dont do a letter only show paid in full on my credit report. I was told to call XXXX XXXX XXXX for the letter of deletion. I called XXXX XXXX XXXX  to be told they dont do the letter of deletion and XXXX XXXX XXXX  told me to call Credence Resource Management for the letter of deletion. I got the total run around from both companies.

This was their error. They didnt have my correct apartment number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish an account with TD Bank/Nordstrom and a balance of {$110.00} was placed on the card obtained. A formal dispute of this account was made XX/XX/2017 however as of this date TD Bank/Nordstrom has failed to provide an update as to the status of this disputed account as is their obligation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX2017 I sent {$140.00} from my Chase account to my son 's account, also Chase using XXXX XXXX. After learning from my son that the transfer never took place, I went to one of their branches located at XXXX XXXX and XXXX XXXX   and spoke to a representative, XXXX XXXX. He listened to the problem but said he could not do anything since the money was accepted not by my son but somebody else. We called customer service and filed a claim # XXXX. XXXX XXXX   reviewed the record and found that my son 's phone number on file was not up to date and the person who had the number now had accepted the money. The person 's Bank was identified as XXXX XXXX XXXX ( XXXX ). He advised to call the person and try to have the money returned and I did. The girl who answered expressed that she had accepted it but after speaking to her mother and reviewing her account the money was no longer there. Not sure if the claim filed placed this money on a special account hold. It's been almost three months and nothing has been done by the bank to remedy this situation. I believe XXXX XXXX  needs to contemplate potential errors with customers and have solutions in place understanding these are electronic transactions from bank to bank and can be fixed internally once a complaint has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ResidentCollect, Inc.
State: OH

Complaint narrative:
This account was sold to the following : Resident Collection XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please see a screen print of my credit file under the XXXX XXXX, The original company is listed as " XXXX XXXX XXXX  '' In 2015, I was discharged of a chapter XXXX bankruptcy and this debt was included in that bankruptcy. For almost 3 years now it still shows up on my credit report and continues to make my life XXXX. 

In addition, I've never done business directly with this debt collection agency before and they have not provided me with any documentation that states this is a valid debt through verifiable documentation ( an agreement that I've signed directly with them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
I called Seterus Inc. onXX/XX/XXXXat XXXX eastern time. I was requesting them to cancel my PMI as I am now below the 80 % threshold required. My mortgage began in XXXX of XXXX  and the original principal was {$84000.00}. Current loan balance is {$67000.00} or 79 % ( after i made my XXXX payment ) of the original balance. I called them to cancel my PMI and the response i got was that i would have to pay {$350.00} for an appraisal and that they " can't take my word that the property is worth what i say it is ''. I pressed them further stating that I can request PMI removal per federal law after I met 80 % of the ORIGINAL appraised amount and they still said they couldn't take my word for it. I refuse to pay {$350.00} to save {$41.00} a month when i have met the 80 % criteria.

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 2018-02-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hello, My name is XXXX XXXX and on XX/XX/2018 I purchased a {$50.00} American express gift card with cash and a couple weeks later when my sister went to use it did not work. I called American Express and they told me the card was never activated and I needed to fax the picture of the card ( front and back ) along with the receipt. Since I bought the card cash I lost the receipt but I gave my sister a gift receipt from the store, so I used the gift receipt to get a receipt from the store which I bought the card from. When I faxed the documents to American Express they told me that the receipt printed from the store database is not acceptable and that they needed the original receipt. I'm stuck and I'm unable to recoup my money. Please help. My telephone is XXXX XXXX. 

Note : My reference number with American Express is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX XXXX {$1500.00} ), XX/XX/XXXX ( {$1600.00} ) - I was informed initially by the organization that my account had insufficient funds available to process the above payments. After speaking with numerous representatives at the organization, it was disclosed to me that here was an error in their system with using the ABA routing numbers attached to my account. Thus making their claims that insufficient funds available a falsehood. As a result, the organization did a hard copy credit report analysis on my credit standing. In response, the organization reduced my credit level by approximately 92 % by making false statements about my payment history, not only within the organization, but by other accounts listed in my credit report ( XXXX  ). As a result, I pulled my credit report through the company that they use and there are NO late payments reports from ANY creditors listed on my report. This organization is reporting misleading and false information to my credit report and making misleading and false claims upon my payment history as reported by XXXX. This organization has continued to make these false claims, regardless of any resolution attempts to correct the mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I signed up for XXXX, a Tutoring web to offer me as math tutor.

XX/XX/XXXXI received a Lesson Request from XXXX XXXX  for his daughter XXXX. We scheduled the lesson Wednesday and Fridays in the XXXX XXXX XXXX XXXXUSD /Hr. He said he was going to send a XXXX  check for XXXX USD. OF those funds XXXX  were for me as per four weeks of lessons in advance plus XXXX to cover the inconvenience. The rest, I was supposed to give it to the childcare/ caregiver.

XX/XX/XXXX I received the check. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX. Check No : XXXX. Account : XXXX. XXXX XXXX XXXX.

The XXXX  details are Origin ID XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX  NY, XXXX. XXXX   Tracking XXXX XXXX XXXX XXXXXX/XX/XXXX I deposited the check online in my Bank of America account.

XX/XX/XXXX Funds were available. As per XXXX XXXX   instructions I made 2 transfers of XXXX and XXXX   to the Account # XXXX  of XXXX XXXX XXXX.XX/XX/XXXXBank of America bounced the Check No : XXXX According to the website wasXX/XX/XXXX but I checked the statement that day and it was not bounced.

XX/XX/XXXX I check my statement and see the scam. Immediately call Bank Of America. After waiting 30 minutes, went to the XXXX XXXX XXXX XXXX XXXX   FL XXXX  Branch. They said they advanced the funds without clearing the check in good will and that was my responsibility. They say they could not give any details of Account # XXXX  of XXXX XXXX XXXX. They say they could not give me any affidavit of the claim. They just let me use the phone to call the fraud department that bounced me to 2 more departments.

I went to the police.

As per Bank of America, they failed to take note of my claim that they hold the Account # XXXX of XXXX XXXX XXXX  which is the recipient to USD XXXX scammed to me and that is going to affect my credit record but also Bank of Americas reputation.

Again, if the impossibility to trace a scam is the argument on which they have the policy of doing nothing ; I have a real name, a real account in a reputed institution that should be investigated as a mean to repair damage to honest citizens and prevent future crimes.

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 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened a Delta Gold Skymiles card with American Express in earlyXX/XX/XXXX. The promotion I enrolled in was XXXX Delta Skymiles for spending XXXX   within the first three months. I did this before the end of XX/XX/XXXX. Since then I have been trying to get my bonus miles and given nothing but excuses. First I was told I was being investigated for misuse. They would not elaborate on this. Around XX/XX/XXXX I was told the investigation was complete and I would have my miles in XX/XX/XXXX. I called twice in XX/XX/XXXX and was given responses ranging from I will have the miles by the end of XX/XX/XXXX, to I will have them the first week of XX/XX/XXXX. At this point I have been calling a few times a month since XX/XX/XXXX and have gotten little to no answers and none of the bonus miles I was promised. The Amex case code is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency NEVER sent a letter stating that you had completed your investigation and the items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SOUTHWEST COLLECTION SERVICES 1ACCOUNT # XXXX ON BEHALF OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through your company, shows a medical account that does not belong to me. I believe you have erroneously listed this account and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX Social : XXXX Account : 1.SOUTHWEST COLLECTION SERVICES ACCOUNT XXXX ON BEHALF OF XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Diversified consultants Inc, placed a collections account on my credit from XXXX michigan when i live in XXXX   NC. The origional creditor is XXXX The date of the account is XX/XX/XXXX. The amount is {$350.00}. I informed diversified consultants that i do not live in michigan i live in NC. The name on the account is mispelled. I requested original contract with a signature so that it can easily verified as fraudulent. I have sent them a copy of my ss card as well as ID with my signatures on it to compare. They still allow this fraudulent account on my credit report knowingly attempting to collect an account that is not mine. They have yet to produce any documentation af5er receiving 3 debt validation letters from me. First letter sent certified maiXX/XX/XXXXXX/XX/XXXX Second letter sent XX/XX/XXXX Third letter sent XX/XX/XXXX. This is a fraudulent account damaging my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit report shows an address in XXXX, NV. 
I have never lived there and do not even know where it is. 
How do I get this information removed please? 

Thank you

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 2018-02-07 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: NJ

Complaint narrative:
On XXXX2018 received a response from CFPB ON a TransUnion dispute complaint. Case # XXXX. Trans Union since then has dropped my scores for unknown reasons in just two days as of XXXX2018. From XXXX to XXXX in two days. How is this possible? I have not applied for any loans, no collections or nothing. Decreased because I reported to the CFPB? Am I being punished? I have rights to dispute my credit file. Why did I get punished. My employer has brought to my attention the decrease and may lose my job. I have two weeks to get my status where it was or else I will lose my employment. This seems like a game and these credit bereaus are hurting the American people.

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 2018-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: OH

Complaint narrative:
So after I graduated, XXXX XXXX sent me to " XXXX XXXX XXXX  '' who signed me up with a fraudulent company called " Equitable Acceptance '' who do consolidations for XXXX XXXX at no cost to them but charged ( unbeknownst to me and my father ) me over {$1000.00} to do consolidation paperwork. we were told nothing other than we had to pay a {$50.00} consolidation fee. We were not told that we would owe them over a grand just to do paperwork. It is so sad that the federal government that is supposed to have its citizens backs supports the likes of this scam company. I was very proud to be the first member of my family to graduate college and now it is one of my biggest regrets as i am over {$100000.00} in debt and have no end in sight of paying that off. My future children will not fall into the trap that is the American education system. Our government has let me and my family down on this one and i am deeply disappointed and bitter about this. PLEASE PLEASE PLEASE do NOT let anyone turn your loans over to either XXXX XXXX XXXX  or Equitable Acceptance as they are both nothing more than scams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation