vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
these are all, unathorozed inquires on, my credit report and are due to identy theft XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/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 non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I had requested from XXXX XXXX to provide me with legal validation on the alleged claim that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX. I made this request in writing sent via certified mail return receipt to XXXX XXXX after discovering them on my credit report to this date I have received no response from the company and have never received a bill or statement my discovery of this company was on my credit report. XXXX  states they have verified the debt I had request from XXXX the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed the account to which I have no account number for only a dollar amount of XXXX opened XX/XX/2018 with all three of the CRA XXXX and XXXX have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
I am a XXXX year old veteran who served the United States XXXX during the XXXX XXXX. I am also a XXXX XXXX XXXX XXXX  XXXX. I have served my Country and Community my entire life. I am currently a XXXX   XXXX. I have been unable to get my Mortgage company to send my statements to my correct Residence in XXXX XXXX XXXX instead of another address where I do not live XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is the Property Address. I very rarely see my mortgage statements because I do not know how to use a computer correctly. My son has set up an automatic payment so we can prevent further issues but in the mean time since I was not receiving my statements this caused me to miss 2 payments this year XX/XX/2018 and XX/XX/2018. I was sending my payments through mail when I would remember to do so because I was not getting my statements so I didn't know when to send. I am now in need of major medical XXXX and I need to be able to get some cash out of my one of my houses and cant now because of this issue. If it is not resolved in a timely manner I may die. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: SC

Complaint narrative:
I initiated contact with Experian through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.

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 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc.
State: NC

Complaint narrative:
Creditors Collections recently report 3 medical bills on my credit report. Prior to the appearance of these debt on my credit file, I did not receive a notice of my right to dispute. This is a violation of federal collection law. Furthermore, these bills have already been paid by my health 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 2018-09-13 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: NC

Complaint narrative:
Radius Global just reported a medical bill on my credit report. Before this bill showed up on my report, I did not receive a notice of my right to dispute the account. THis is awful, because my health insurance has already paid the debt.

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 2018-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
In XX/XX/XXXX my car died and I had to purchase a car immediately. I was working on repairing my credit from a previous bankruptsy in XX/XX/XXXX when this happened. Anyway the only finance company that would finance me was Exeter finance at 27 % interest rate. Being a single mom without no other income but my job, I had no choice but to purchase the car. I did not have money to pay cash for a car and I had to get back and forth to work. By XX/XX/XXXX I was struggling and forced into filing a chapter XXXX. I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75 % interest rate instead of 27 %. I have been having money taken out of my check for over two years  now totaling almost {$9000.00}. My attorney and I just discovered Exeter never filed a proof of claim as required by the courts. So all of this time the money that should have been going to Exeter was going to my student loan and unsecured debt. At this time I do not know what to do! At this point my only option is to convert to a Chapter XXXX and surrender the vehicle. Otherwise once I get through the XXXX in the next 2 and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late fees. I really don't want to do this. My attorney and myself contacted them multiple times about not filing the claim to no avail. I emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claim. No one ever contacted me. Instead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANS. She said ok then why did you not file a proof of claim back in XX/XX/XXXX as required by the courts? The person she spoke had no answer and said she would have to get back with her. Needless to say she never heard from her again. They would have had the entire car paid off at 4.75 % interest on top of the 7 months of payments I had already made. I feel like this was a shady business practice to XXXX me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX18 I contracted with XXXX XXXX to do a home improvement job to begin on Monday, XX/XX/XXXX18 ; moreover, in order for the job to begin on Monday, 1/3 of the payment ( {$6400.00} ) was due XX/XX/XXXX18. Since I was not in the same city as the contractor I chose to use PayPal to send the money to the contractor. PayPal immediately withdrew the money from my Visa card and I immediately received a notice " payment sent '' from PayPal. 

I thought everything was all set until when I called the contractor on Monday morning to remind him not to put the dumpster in front of the house ; I was then told that the money never arrived from PayPal. 

I contacted PayPal and inquired what was going on. I had used PayPal on numerous occasions and the money has always been available within 5 minutes. XXXX, the first rep stated that the money was there and the construction company needed to receive it. He also told me to click the " services received button '' and that would speed up the process for XXXX XXXX to receive the money, so I did. 
Since I've never received any money from PayPal, I've only sent money, so I am not familiar with what " receive it '' meant and neither was XXXX ( XXXX XXXX  ). 

XXXX ( XXXX XXXX ) and I conferenced called PayPal multiple times for help with receiving the monies to no avail. I called everyday and on Thursday I totally lost my patience with PayPal Supervisor XXXX ( Employee # XXXX ) because PayPal has my money and will not release it to the company nor will they refund it to me. I am paying interest on my Visa card while they hold my money hostage in their black hole. 

PayPal now instructed me to file a dispute against XXXX XXXX. Now I am totally confused because I don't have a dispute with the construction company I have a dispute with PayPal for NOT Sending moreover, Keeping my {$6400.00}. The rep assured me that this is how I would get my money back ; so I did the dispute. THEN I was told that they would hold on to the money until XX/XX/XXXX18 while they investigate. What is there to investigate? PayPal has the money, PayPal won't send it to whom I requested it be sent to and when I requested that PayPal refund my money immediately they have to investigate? This company is clearly out of integrity. I want my money back is all. They didn't provide any disclosures that state this madness ( any holding time before dispensing funds ) They have a bunch of reps that say anything to get you off the phone, additionally each call created a bigger mess that it was before. I need help. I want my money back and I do not want to pay XXXX cent in interest because of what PayPal has done. XXXX - Employee # XXXX was the supervisor that I had my last discussion with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-13 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: GA

Complaint narrative:
Dear Credit Bureau : I pulled a copy of my credit report and noticed a fraudulent account. 

Creditors : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX  Account : Reason : i I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) I have submitted request to Consumer Financial Protection Bureau to received documentation regarding these matters and the companies have not responded in a reasonable amount of time. These fraudulent accounts were not authorized by me.. 
Thank you. 
Attached is the police report and Identity Theft Report.

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 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City reported a medical bill on my credit report before notifying me about it. Additionally, its already been paid by my health Insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
On XX/XX/18 at XXXX XXXX received a call from XXXX - XXXX XXXX XXXX on my cell number XXXX asking for my ex-husband ( I've been divorced 7 years. ) I mistakenly said that's my ex-husband and I have not talked to him in years ... I do not have a number or way to get in touch with him. They then said ... you are on this credit card. I knew that was a lie as I had never signed anything joint with him at all .... They said it was around {$15000.00} and they'd settle my portion for {$2300.00} if I would settle that day. I refused. I said I wasn't responsible for that. They threatened to freeze my bank account and garnish wages. I said " before you can do anything ... send me in writing anything that I signed or shows that I am responsible for this debt. '' They asked me to give my home address. I told them I'd give my work address as I was not giving them my personal info. He said " Oh we'll find you. '' I have not heard from them since I told them I was recording the call. ( I wasn't. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Diversified Consultants, Inc.
State: AR

Complaint narrative:
COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
HI : Mi name is Ms XXXX XXXX. XXXX XXXX married my husband XXXX XXXX during a credit background check on XX/XX/2018 to get our first house noticed an unauthorized account from the financial institution XXXX XXXX XXXX XXXX from my credit report, my husband in my name summit a claim with my authorization to the federal trade commission for identity theft problem, because i dont speak or write in English, just for my safeguard. 

The claim with the ( report number XXXX ) was made on XX/XX/2018, on XX/XX/2018 my husband and i went to the financial institution XXXX XXXX XXXX XXXX, we explain the institution the problem with the ( account number XXXX ), the institution after checking that account information they said the account number is it an old one that the updated or new account is ( XXXX ), they said the information in reference is it from my mothers and fathers not my, they said the house was foreclosure, we let then know the house was never on foreclose not before or after it was properly sale to my son in law, we let then know why the ( account number XXXX ) it is on my credit report as foreclosure, they said it was a mistake during the process, because my mothers name is ( XXXX XXXX XXXX XXXX and my is XXXX XXXX XXXX XXXX ), with different social security number, we let then know that excuse do not make sense for us, that was their explanation, after that they said they will begin with the investigation, about the issue, but they do not gave us any documentation about when they will fix the problem or how or when they will remove the information from my credit report an fix my credit report or even make a claim hard copied report to us. 

This issue has greatly affected my husband an myself to get our first house using his VA voucher or Certificate of Eligibility, he is a retired service connected veteran and thanks to the financial institution XXXX XXXX XXXX XXXX an their error on my credit report we can not, until the financial institution XXXX XXXX XXXX XXXX fix it, the only thing we wants is the proper documentation about the full problem and how and when they will fix and remove it from my credit report so we can start the search for our first new house, Thank you for you assistant an hopping you can do something for us ...

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 2018-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One intentionally destroyed my credit. Capital One had incorrect information on me and did not notify they were about to report derogatory information on my CBR. I was finally notified by a representative 5 days ago and contacted daily sometimes twice when I became 34 days past due. The representative appeared to be unconcerned about my issues concerning the derogatory reporting. This was simply an oversight because I thought my spouse mailed payment as he mentioned he would. I have multiple accounts with Capital One and have never been a collection issue. Most creditors notify you prior 30 days past due to avoid derog reporting, so apparently Capital One had incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It started when someone asked me to use XXXX through wells Fargo, they asked me to send money to them this happen in XXXX it was for a sum of XXXX now wells Fargo said they can not refund my money it was fraud, they allow people to open accounts with no papers and then go into overdraft, I have tried to resolve this, they say they can not help me, I want my money back, plus I had another instance XXXX they will not reimburse this is bad on their part they are supposed to help customers with problems and scam not go against them and not refund money, this is a bad practice they are allowing illegal people to scam people then open accounts take your money then the bank can not refund you, this is wrong, I want someone to handle this, I just had XXXX lost money and this is the way the bank treats customers

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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuses to add positive payment information regarding my account. They claim that XXXX XXXX   card asked them to delete this information. XXXX XXXX claims that Equifax blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to Equifax and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Altisource Portfolio Solutions, S.à r.l.
State: AR

Complaint narrative:
COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.

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