vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I've disputed this transaction with XXXX  3 times already, every time I call them to advise debt has been paid and I have documentation to prove it, they advise me that a dispute has been started, but actually do not start one. I have continuously asked for proof that a dispute has been submitted, and they continue to refuse to provide one. I have tried submitting disputes online as directed by XXXX, but their website never works, and I've advised them the latter. I also called the credit collection agency and gave them authorization to talk to XXXX  regarding this matter, XXXX  will not contact the credit collector to inquire about the debt. I have tried calling XXXX  over 15 times, and i keep getting bounced from one supervisor to the next, with no action taken. I have mailed a letter to XXXX with a receipt of debt payed, still nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Found out that I was a victim of identity theft back in XX/XX/2019. Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to XXXX, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.

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 2020-01-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Found out that I was a victim of identity theft back in XX/XX/2019 Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to XXXX, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: ID Analytics, Inc.
State: VA

Complaint narrative:
I received a very low credit score ( compared to XXXX, XXXX, and XXXX  ) from this company, SageStream , LLC. When I tried to call them at the number provided, I could not speak to a human, only leave a message. 

When I tried to request a detail of their report on my credit history online, the system abruptly shut me out and directed me to their phone number where, again, there was no option to speak to anyone. 

I've never heard of this company and, sadly, it was required that I supply them my birthdate and social security number online to gain access to my report ( which, as referenced above, was not shown to me ). 

Online complaints about this company are numerous! People 's credit scores are being trashed and, when they inquire why, SageStream , LLC tries to sell them credit fraud prevention services. I never got that far ; but the outgoing message on their voice mail says someone will get back to me within 24 hours. We'll see ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a security freeze with Experian due to identity theft. 
I recently requested to permanently remove it, but it is evidently still in effect, since I can not set up an account with social security due to the freeze still on. 

I tried to remove the freeze online, but got a problem message. I have tried numerous phone numbers, and ALL of the menus are messed up : either recycle questions, or only allow to put ON a security freeze. There is no way to talk with a person, although at one point in the past 10 years, according to my notes, I must have gotten through somehow.

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 2020-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX ( grocery store ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Attempted to use an out of network ATM ( USAA terminal in main lobby ). The transaction proceeded as follows : 1 ) Inserted the ATM card 2 ) Machine asked if I wanted a balance on my receipt ( yes ) 3 ) Input my PIN 4 ) Machine printed a receipt and then asked if wanted something else ( yes ... machine had yet to offer a cash withdrawal ).

5 ) Selected fast cash ( {$40.00} ) 6 ) Machine showed an access fee of {$3.00} 7 ) I selected NO and walked way. 

According to my bank ( XXXX  XXXX XXXX XXXX ) I was billed {$1.00} twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On my credit report that are reporting inaccurate information and keep refused to do a investigation regarding my request. I have contact the creditor that no longer hold the account and they are saying that provided them accurate information and I requested to see the result of the investigation in which they gathered the information and they refused. I would like for them to remove all XXXX and Dept of Education collections account they not longer has my account as XX/XX/2014. Therefore, They can not be sending information regarding status of my loan to the credit bureaus. Also, I asked them to validate the account that listed by XXXX XXXX and asked if they can provide me proof that this account belongs to me and they keep ignoring my request and continues to report the information as being accurate. I would like to see the proof of this investigation as well but they refused to provide me the information.

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 2020-01-14 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: EQUIFAX, INC.
State: DC

Complaint narrative:
On my credit report that are reporting inaccurate information and keep refused to do a investigation regarding my request. I have contact the creditor that no longer hold the account and they are saying that provided them accurate information and I requested to see the result of the investigation in which they gathered the information and they refused. I would like for them to remove all XXXX and Dept of Education collections account they not longer has my account as XX/XX/2014. Therefore, They can not be sending information regarding status of my loan to the credit bureaus. Also, I asked them to validate the account that listed by XXXX XXXX and asked if they can provide me proof that this account belongs to me and they keep ignoring my request and continues to report the information as being accurate. I would like to see the proof of this investigation as well but they refused to provide me the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In the XXXX I opened an account with a bank in XXXX AZ. Due to various mergers etc. this account is now with Chase- JPMorgan Chase . As I have not used the account for several years and I no longer have any family in the States it is rather pointless keeping it open. I have written in the last three months two letters to the bank asking them to close the account. No reaction either by email or by post to those letters. On XX/XX/XXXX I rang their customer service. I spoke to someone who confirmed the account balance and said that she could arrange account closure. The problem arose because I could not supply a US SSN, which was not needed when I opened the account. I do not have an American SSN number as I am not a US citizen and I have never worked in the States. After speaking g with her supervisor she said that she would pass the call to a teller. The call transfer did not go through as I got a recorded message saying that the teller was busy and asked me to call later. I have no idea as to how to get the teller 's number, hence my contact with you. I can not believe that I am the only person trying to close an account who does not have an SSN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I filed a Chap. XXXX Bankruptcy in XXXX and it was discharged in XXXX of XXXX. I then modified a delinquent mortgage with Select Portfolio Services of XXXX XXXX XXXX, Utah. I completed the 3 years of on timely payments and was given a permanent mortgage that I reaffirmed the debt on for this mortgage. The reaffirmation was required by Select Portfolio Servicing in order to obtain the permanent mortgage financing. I have been asking Select Portfolio Servicing to start reporting my mortgage payment to the credit bureaus. 

Select Portfolio Servicing refuses to honor the Fair Credit Reporting Act and will not report the total of over 4 years of flawless payments to the credit bureaus. This is hurting my credit score and I am trying to get a home loan at this time. The loan number for mortgage is XXXX Phone XXXX. Before filing this complaint I called SPS one last time and I got the same run-a-round as they still ask me to reconfirm the debt which I have done over a year ago. I was put on hold then they hung up without getting back to me. 

I also have an account with XXXX and their credit card company XXXX XXXX  that was kept current. In XXXX I had a bill of {$87.00} and made the {$10.00} payment that they asked. They then reported me as a 30 day late in XXXX XXXX. I called both XXXX and XXXX XXXX. The bank laughed at me as said it was my mistake. When I call XXXX they said I was a good customer and they say the error was theirs and they would send me a letter verifying that they would remove the 30 day late they reported. I called back after a week and was given the run around with no results and no longer do they agree to send the letter or correct my credit report. 

I find both credit problems to be a violation of the Consumer Protection Act and the Fair Credit Reporting Act. Please help me before my construction loan is stopped and I lose thousands of dollars in money already spent on the property I am trying to build on. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I RECEIVE AN ALERT IN XX/XX/XXXX FROM THE CREDIT BUREAU 'S THAT THERE WAS SOME NEW ACTIVITY TO MY ACCOUNTS.I NOTICE THAT A NEW COLLECTION ACCOUNT FROM MIDWEST RECOVERY SYSTEMS, LLC FOR {$310.00} FOR XXXX XXXX XXXX WAS OPEN ON XX/XX/XXXX THE COMPANY REPORTED IT ON XX/XX/XXXX. I PLACED A CALL TO THE COMPANY ON XX/XX/XXXX AND WAS TRYING TO GET SOME INFORMATION ABOUT THIS ACCOUNT. INSTEAD THEY STARTED TO ASK ME QUESTIONS, SOCIAL NUMBER, ETC. I TOLD THEM I WAS NOT GIVING THEM ANY INFORMATION. IF THEY WAS ATTEMPTING TO COLLECT THIS DEBT THEY SHOULD HAVE ALL THE INFORMATION.I GOT NO INFORMATION. I DISPUTED THIS WITH THE 3 MAJOR CREDIT BUREAU 'S AND SENT MIDWEST RECOVERY SYSTEM I CERTIFIED LETTER REQUESTING THEM TO REMOVE THIS FROM MY CREDIT BECAUSE THEY FAIL TO FOLLOW THE GUIDELINES WHEN COLLECTING ON A DEBT. I NEVER HAVE HAD ANY COMMUNICATION FROM THEM PRIOR TO ME CONTACTING THEM.I WAS NOT AFFORDED THE OPPORTUNITY TO ASK FOR THE VALIDITY OF THE DEBT OR COLLECTION PRACTICE PRIOR TO PLACING THIS ON MY CREDIT. BY DOING THIS THEY HAVE CAUSE MY FINANCES AND CREDIT SCORES GREAT HARM. THEY SHOULD BE HELD ACCOUNTABLE FOR THIS.HAD I BEEN CONTACTED FROM THE BEGINNING ABOUT THIS DEBT I WOULD HAVE BEEN AFFORDED THE OPPORTUNITY TO DO MY DUE DILIGENT AND RESOLVE THIS MATTER WITHOUT IT GOING ON MY CREDIT REPORT. THEY GAVE NO ACCOUNT NUMBER FOR THIS COLLECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2019 : I opened a checking account with automatic deposit and a savings account with {$20000.00} with Chase Bank in XXXX XXXX. 
I was promised {$600.00} if I did this and left it open for 3 months. After 3 months I was told I had to keep it open for 6 months. 
What happened is I sat for over 2 hours giving the branch officer all my personal information. I tied up my money. After many months of phone calls, messages and visits to the branch I was told by XXXX, XXXX Executive Office XXXX ext. XXXX that they would not honor the promo and also would not remove any fees incurred during this lengthy acquisition. 
Obviously I am frustrated and aggravated that I tied up my money and put so much trust into this bank and the employees of this bank. 
I have plenty of documentation and saved voicemails. Please advise. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.

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 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
We are in the process of re-financing our mortgage with a new lender. We informed Dovenmuehle Mortgage of this fact on XX/XX/2019, and requested they cancel the auto-draft for our XX/XX/XXXX payment. They agreed to cancel the auto-draft. Well, they drafted our checking anyway on XX/XX/XXXX. When I called about it they said the only recourse we had was to have our bank reverse the draft, which we did. Dovenmuehle began the late payment and collections process immediately, despite a 15-day grace period, and despite being told our situation with our refinancing process. The closing on our new loan was delayed until XX/XX/XXXX, and is now closed. We received a Delinquent Account notice, despite the fact that the loan is not delinquent until 30 days have passed. I called them on XX/XX/XXXX to explain that the refinancing had closed and they should receive the payoff on XX/XX/XXXX. I asked their representative to stop send delinquent letters, and to stop using the term delinquent. She became rude and began talking over me when I complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, Shellpoint Mortgage Servicing acquired my XXXX XXXX. I had never missed a payment to XXXX or any previous mortgage lenders. Shellpoint simply informed me by email of the acquisition, giving me no mortgage acct number. I tried repeatedly to phone them and was held on hold for 45-65 minutes, then the connection was always dropped. I also tried their website and only received a flashing " Can not Process '' when I attempted to pay XX/XX/XXXX mortgage. I then went online to my bank, XXXX XXXX XXXX and set up a Payment Payee for Shellpoint. The bank requires an account number for setting up a Payee. I had to fabricate one to get past their set-up procedure. I chose XXXX as a pseudo account number since I wasn't successful getting one from Shellpoint. I then paid XX/XX/XXXX mortgage thru my bank and then in XX/XX/XXXX I paid XX/XX/XXXX mortgage. I have banking records showing both payments to Shellpoint acct XXXX. In XXXX, I finally received an acct number by email, XXXX and called and paid the mortgage to that account. Much to my chagrin they informed me that I was in arrears for XX/XX/XXXX. and XX/XX/XXXX. and they had no record of acct XXXX. They would not help me except thru their online complaint processing. I submitted a complaint on XX/XX/XXXX and they have not helped me, implying it is a technical problem on my computer. I have no problems with any of my other more than 25 payees.

They have contacted my credit score companies, XXXX, etc. and my credit score has dropped drastically. This is devastating. I have attached my banking records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: State Collection Service, Inc.
State: MN

Complaint narrative:
In XX/XX/2019 I recieved a phone call from the above mentioned business. I answered and asked them not to call me again. In XX/XX/XXXX or XX/XX/2019 I recieved another call, which is in direct violation of the FDCPA but in good faith to make payments on the account I set up a payment arrangement for the XX/XX/XXXX of the month for XXXX via my debit card. In XX/XX/2019 I advised i would not be able to make the payment due to a job change and that my new pay period lands on the XX/XX/XXXX and my payment arrangement would need to be adjusted. A XXXX payment was drafted from my account successfully on XXXX. On XXXX a XXXX payment was drafted from my debit account that I did not authorize. I called the company and spoke to a XXXX who told me the charge could not be reversed and would need permission from the client. Thus, over drafting my debit account. My bank has assessed and applied a XXXX overdraft fee for a transaction I did not authorize. XXXX told me it's noted in their system that I did call and change the date to the XX/XX/XXXX, it was just never done. She then proceeded to tell me if I didnt want to pay it that they can reccommed to have this sent to the credit bureaus thus, affected my credit and intimidating me to pay a debt that i've never recieved a verification of debt for. When I called on XX/XX/XXXX I spoke to an XXXX, I asked for a supervisor and was told no. The above mentioned company is engaged in unfair and abusive tactics and I request that they be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
After almost 2 years of trying to resolve this matter I have been repeatedly told that if I do not pay this debt it would severely destroy my credit. 
This debt was opened by someone else using my credentials ( name and DOB and possibly my SS # ) I have made it clear that this XXXX XXXX XXXX phone account was NOT opened by me and they refuse to hear my story. 
At one pint they removed it then within 30 days ( last year ) put it back on my credit report. 
This is causing me serious problems and I have tried for almost 2 years to resolve this matter with no avail. 
Please help me in this matter, Here is their contact information I have : RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you so much

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