vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX. I recently reviewed my credit and noticed two accounts that were not mine at Synchrony Bank one at Walmart which was removed for Fraud by Synchrony Bank and another at Ashley Furniture not removed. I never signed or ordered any furniture from Ashley Furniture. I live in a fully furnished apartment in XXXX XXXX. I received a letter because, I had to go to the post office and have any mail at the XXXX XXXX address used forwarded to my address in XXXX XXXX, denying my claim of fraud from Synchrony Bank for Ashley Furniture, unbelievable as they honored the Walmart fraud complaint. I never made any payments, I never signed a contract and the furniture was delivered to an address that I am not affiliated with nor did I sign for any furniture. Who ever this person is used my information and a different address. I asked Synchrony Bank to verify signatures on the contract etc., They told me they did. That is a lie, they never asked me for my signature so how could they compare it to the contract? I am disputing this account as fraud. I was told on X/XX/2017 to go to the furniture store and was given the address to the store by a Synchrony Bank person to get a letter stating that it was not me. I went to Ashley Furniture on X/XX/2017 and the manager said they have nothing to do with it that it is the bank that handles it. Why would a rep. from Synchrony send me to the Furniture store? I am concerned that this has been handled inappropriately. I do not accept the way this was handled.

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 2017-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc.
State: NC

Complaint narrative:
In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect and insufficient. I would like the opportunity to clear this debt from my credit report. I am making a request for Collection Company to  provide a deletion from my credit report. I value my credit and I continually make timely payments on all of my accounts. All bills from all medical manners were paid in full directly with ALL service providers and any remaining balances from 2012-present were included in the insurer 's Chapter XXXX bankruptcy under case number XXXX. Aargon Collection agency placed a {$39.00} collection on my account and this information was discovered when I recently saw it on my credit report. They did not send any type of bill, notice or information prior to placing this debt on my report. All medical bills are paid in full with the providers directly. Any balances are under the responsible party which is XXXX XXXX, the insurer and responsible party. I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed from my credit to ensure my credit profile does not show such a negative account.

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 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Because I had had to close my accounts, Peoples wo n't help further : My husband and I had opened a joint checking account where he banks, People 's United Bank, when we got married. I opened a personal checking account and a savings account at People 's United Bank at the same time. ( My husband 's personal financial accounts remain active and are not part of this problem. ) I was out of work from XXXX of XX/XX/XXXXthrough XXXX of XXXX, and used up the " buffer, '' our wedding money, to make the mortgage where unemployment left off. I was hired in XXXX of XXXX, and out of work again in XXXX of XXXX. My unemployment compensation, what little it was, was directly deposited to my own account. The balance was very low because I not had time to rebuild the buffer ; but I had the direct deposit. I managed to keep a decent balance in the joint account to pay the mortgage. Last winter, I could n't balance my checkbook. I went nuts. I 'd bounced checks and could n't afford the fees.I use XXXX, the same spreadsheet layout I 've used for over ten years, and could not find my error. This has never happened to me. I was mortified. With assistance, I managed to pay the fees and keep checks from bouncing until XXXX, when my unemployment ran out. I 'd never been able to catch up from the winter error ; and bills that were falling behind fell further since I 'd lost money paying the fees ... I deposited what I could get, but did n't realize that there was an added charge : $ XXXX  monthly fees since I did n't have direct deposit. I bounced more checks. XX/XX/XXXX : I 'm not sure which account was overdrawn at the end. I closed one, and closed the other to pay the fees on the first ( with {$50.00} or so that I borrowed ). A little more than a week later, I got a call : the bank had made an error, and had a check for me to pick up. On XX/XX/XXXX, I picked up two checks totaling {$1100.00} or so. The missing money from last winter. I got to the bank a day or two later. The same morning, I 'd had to ask my husband for XXXX XXXX for the charity box at religious services. I cried when the bank manager handed me the check that evening. He walked over with me to  cash it. I closed out my savings account at that time. When I 'd calmed down, it occurred to me to ask about the bounced check fees. I have no idea how many there were. The manager said that they could not be refunded because I do n't have an account with them. WHAT? Their error was the reason I 'd had to close the accounts. I do n't know if it 's bank policy. I also do n't know if it 's legal ; I had an account when the problem occurred, after all. I was unable to move further with the manager. I remain ashamed that I needed to cash my husband 's and my joint account, ashamed to the point that I 've waited since mid-XXXX to write because I simply could not. Anything you can advise will be appreciated. Cordially, / s /

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Activehours
State: TN

Complaint narrative:
Ive activated this new app called active hours which allows me to get my money in advance but it says there is a problem with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. As of today, Ocwen reps do not have and have not resolved the original appeal. Failed to take into account that I followed instructions. Cant find the {$200.00} check I sent for the internal review. Has not addressed this letter and the rep does not even know about this letter. Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXX RE Loss Mitigation-Loan # Last 4 digits Sirs : I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen MondayXX/XX/XXXX, XX/XX/XXXX.
The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. I do inhabit the home in XXXX. Please reset my call with Ocwen and my relationship manager to discuss these items. This information is true and accurate to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I received a letter from Diversified Consultants, Inc claiming to have taken over an XXXX XXXX XXXX XXXX debt with. The letter is dated XXXX promising to commence collection efforts in 30 days. Efforts were made to collect this debt that does n't belong to me before. XXXX XXXX XXXX said the have no record of this debt. I am no longer a client of XXXX XXXX XXXX and paid all outstanding bills. I initiated a dispute of this debt when it appeared on my credit report under XXXX and it was resolved and removed. This is a scam mow

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 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: GA

Complaint narrative:
I have tried -- unsuccessfully -- to have inaccurate information removed from my Equifax CR. In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, all debts were discharged. I did not reaffirm my mortgage with XXXX. I started checking my credit reports after ten ( 10 ) years to make sure there was no mention of a bankruptcy or accounts related to the bankruptcy. XXXX and XXXX no longer show a real estate account. However, Equifax shows an open and active account with a balance. I started disputing the errant information with Equifax and XXXX two ( 2 ) years ago, but to no avail. I have communicated via telephone, fax, and online. Equifax will remove the inaccurate information only to reinsert it a month later. The last time I disputed the inaccurate information ( XX/XX/XXXX ), it was removed. I just checked my credit report today and the account has been reinserted by Equifax as open and active. Also, XXXX recently sold/transferred the mortgage to XXXX. I have been unable to secure a new mortgage because it appears as though I am still under obligation to pay the prior one with  XXXX. It is obvious that Equifax, XXXX, and XXXX are violating the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. ( the FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: TX

Complaint narrative:
On XX/XX/2017 I accessed my personal credit report on Equifax website ( will attach screenshot ) at that time I no negative items showing because they have all been removed for one reason or another. On XX/XX/XXXX 2 accounts were added back with out a 5 day notice by the FCRA standards that one of Equifax valued employees saying do n't exist. I called spoke with a young lady and resolved my issues with no problem by removing them. On XX/XX/XXXX I went to XX/XX/XXXX and the rep informed me that I have a charge off and collection on my credit report. I immediately contacted Equifax where the rep stated its nothing she can do and there is no such thing as FCRA 5 day notice. I immediately told her that 's not true and began to state facts to her where we still didnt get a resolution. I need the negative information from my credit file immediately. The accounts are XXXX XXXX and XXXX XXXX XXXX. I am very angry that Equifax has yet broken the law again by doing this and then you get rude employees that do n't know the law. I am attaching the information below and expect immediate results. The files i uploaded are proof that those accounts were not on there and had been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
The University XXXX XXXX ( original creditor ) has been proven to be a fraudulent account, They have removed their negative markings, allow with the XXXX XXXX XXXX and literally four other 3rd party collection agencies because this account does not belong to me.
I received a letter dated X/X/17 and like all other accounts associated with XXXX, I have no knowledge of this account. Prior to filing this complaint I called the credit bureau and was informed that the original creditor XXXX company provided proof that the account was n't mine and deleted all files associated with it. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As of today XX/XX/XXXX a chapter XXXX bankruptcy was taken off of my account a week or 2 ago and readded today withou a proper t day notice and its showing illegally from when i first disputed this information. The courts do not give out thia i formation to verfiy this document. I want verfication with my signature of this debt! Other qise it is 2 be removed immediately!! Because 2 laws have been broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank XXXX says that the account balance is higher than actual balance. They burned me out of many overdraft fees although the account NEVER had a negative balance. They are stealing my money, and I resent it. They are rich, and I am poor.

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 2017-08-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As of today X/XX/2017 equifax has updated 2 closed account without a 5 day notice and to make it worse they are not mine and need to be removed because it is effecting my credit! I have sent out notice before and they keep udating inaccurate i formation and not making aware of what they are doing. XXXX XXXX and XXXX XXXX XXXX and trust were closed because they werw not mine! I want valadation of these with my signature. Which will be none and then promptly delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I noticed on my credit report there was an account in collections for {$65.00} reported by Diversified Consultants. I was completely unaware that an account was in collections until I saw it on my credit report. On XXXX XXXX, 2017 at XXXX XXXX. I contacted the debt collector, Diversified Consultants, immediately to find out why this was on my credit report. I explained to the representative that I never received mail or phone calls regarding the situation with Diversified Consultants. The representative explained there was nothing she could do since it was already reported to the credit bureau. I also asked about having the information removed from my credit report because I was not aware of or contacted about the situation. 
I called back two more times the same day at XXXX XXXX. and again at XXXX XXXX. I was then told that Diversified Consultants received my file on XXXX XXXX, 2017 and reported it to the credit bureau on XXXX XXXX, 2017. On XXXX XXXX, 2017 at XXXX XXXX. I called Diversified Consultation wanting to know if the company had any record of speaking to me. The representative informed me that they contacted three phone numbers that did not belong to me. The representative then stated they spoke with some man on XXXX XXXX, 2017, who told them " his wife will call back. '' The representative then asked me if I am married. I told the representative I have never been married before and I continued to tell him that the phone numbers they called do not belong to me. I have spoken with the following people at Diversified Consultants : XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do n't understand why I have XXXX XXXX XXXX XXXX XXXX. All of these charges were negotiated with insurance and we agreed that these charges were incorrect.

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