vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 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: MD

Complaint narrative:
I have disputed an account with Experian several times with more then enough documentation to support removal of an account. The account in question is Originally from XXXX and is now being held by XXXX XXXX XXXX. They have since taken the balance down from {$730.00} to now {$500.00} after my last dispute. So even if that were valid then It should not be in collections or reporting as late because they had the wrong amount this entire time and therefore it was wrong to begin with. Unfortunately for XXXX and XXXX I have been sent 3 different documents from XXXX stating a {$0.00} balance is owed and the matter closed. Due to the lack of effort by Experian it is still effecting my credit negatively. If a mistake was made by either XXXX or XXXX, with all do respect it is not my problem. They emailed and mailed me confirmation of a {$0.00} balance and nothing being owed. Which i will hopefully be able to attach to this complaint as well. I will be filling a corresponding complaint with the Attorney General 's office as well as the FTC.

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 2018-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a Hail Damage Claim on my roof. I sent the check to XXXX XXXX. Called two days later to have a final inspection done. The roof was repaired, but 1/2 screens and one broken window hadn't been completed yet. The claim amount for the screens and window totaled {$430.00}, .07 % of the claim check amount of {$6400.00}. My deductible of {$2200.00} covers these repairs. The bank/mortgage company on completion of the roof only sent 1/2 of the claim check instead of the full claim check, wanting to confirm all of the repairs had been done. I have been working in this industry since 1985, I have never had a company withhold 1/2 of the check if more than 90 % of the repairs have been completed. Now they want to send a 2nd inspector out ( it took 10 days to get someone the first time ) and wait again to mail me another check. I now have to pay the roofer the other 50 % of the funds out of my pocket and wait for reimbursement from the mortgage company. I know I am in a full repayment Chapter XXXX, but have less than a year left and have kept up all other payments. I feel that they are using my check as leverage and to also keep balances in their account, where they do not have to pay me interest, to use as compensating balances or required reserves they are supposed to have per federal regulations. It is a con job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: PA

Complaint narrative:
XX/XX/XXXX XXXX I spoke to XXXX on the phone regarding products available. While I was on phone they illegally ran my credit without asking permission or even asking for my personal information. Now there is a hard inquiry on my account. The company agreed they did it illegally however it would take them 120 days to have it removed by Equifax. I contacted equifax and they refused to remove or even help me have it removed. Equifax told me XXXX was the only one that could remove it. I am trying to buy a house and get a mortgage in the next 40 days and I want this removed IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have recently been unfairly denied credit because of information that has been included in my file. I have recently reviewed the copy my Credit Report report and I have found information that I believe to be inaccurate. The letter stated it was due to SERIOUS DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH I have worked really hard to raise up my credit score and feel this information is not right and is inaccurate. Also all my accounts have never been paid late nor have they ever been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: MO

Complaint narrative:
I have requested validation of debt from Equifax regarding an inaccurate account reporting to my credit report. Ive disputed the account twice and Equifax has yet to furnish the proper validation of debt. Ive contacted the collection agency responsible for the debt, XXXX XXXX XXXX, and what I received was a generic printout of an account activity. I have not received sufficient validation of debt from either parties. 

Please review supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
this is unacceptable its not my mine fault, they need to take that up with XXXX XXXX XXXX how can you hold me liable for another bank error cfpb violation

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 2018-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I received a statement from XXXX XXXX sent to my P.O Box over 6 months ago. It was for a order that was made for items that I did not order or recievc. I contacted the merchant and they informed me of this problem and I explained to them I had not ordered anything and that I have not received any merchandise. They stated I had to sign a statement indicating that it was not anything I had ordered or received.They sent me this affidavit which I filled out and returned. I just received a duplicate statement indicating that I still owe this money and they have now threatened me and reported falso information to the credit bureaus

Company response to consumer: Untimely response
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: GA

Complaint narrative:
I do not know who XXXX XXXX XXXX is and I do not have an account with them. XXXX XXXX XXXX has been issued a cease and desist, request for certificate of assessment and request for a debt disclosure. Request was sent via certified mail - Receipt # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
SLS or Specialized Loan Servicing has sent out three checks from my escrow account they can't track these payments and my escrow IS DUE NOW to XXXX my insurance company. 

all checks have been lost. 

they can not track where the escrow went and they do not call me back after many phone calls.

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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: GA

Complaint narrative:
I attended XXXX ( GA ) in 2013. I withdrew from school. I assumed federal student loan debt, that I am now repaying. XXXX has been seeking debt, on what they say is a balance left on my student account. However, I received financial aid in grants as well, which created a refund, when I was enrolled. I have disputed this amount several times, with no proof of debt. Also, XXXX has sent this debt to a collection agency, which I have disputed. I received a ledger report of my account from XXXX that displays a refund dispursent, that then was reported as a EFT ( Electronic Funds Transfer ), to who (??? ) no one is able to tell me. The student finance representative told me, it was a re-coopment back to my financial aid lender. When I call the financial aid lender AND the NSLD ( National Student Loan Directory ), they have no record of another financial lender associated with my name, as well, no record delinquency or re-coopment of funding sent to the XXXX. I was advised to request validaty of the debt, submit a copy of ledger report, and proof of student loan repayment, to the credit reporting bureaus to disputed debt. When I call the collection agency ( ATG CREDIT LLC. ), the representative could not provided legitimacy of the debt, and that the school would have that information. When I advised her that I spoke with the school, student loan lender, and the NSLD, and was unable to get the requested information, she advised me to call the parent company of school ( XXXX XXXX XXXX ), and hung up in my face. I called XXXX, and that representative told me they did not have the details of the the debt and told me to call XXXX. When I told him I had went in circles already, he gave me an email to send my disputement to. I am tired and frustrated and need assistance to resolve this matter. It has/is hurting my credit score, reporting, employment, and lending options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX, FROM XXXX. XXXX   XXXX, XXXX VA. XXXX, TEL. ( XXXX ) XXXX, PUT IN MY CREDIT FILES A DEBT COLLECTION FOR {$50.00} FROM THE CREDITOR " XXXX XXXX  ''. THIS AMOUNT WAS PAID IN FULL ( SEE THE ATTACHED COPY ). THIS IS THE SECOND TIME THAT THIS SITUATION HAPPEN, ALSO I SEND COPY OF THE HOSPITAL TO THE RADIOLOGIST OFFICE : AT XXXX. XXXX XXXX XXXX, OH.XXXX, TEL. ( XXXX ) XXXX, TO TRY STOP THIS SITUATION I CALL TODAY XX/XX/2018, TO THE COLL. AGENCY AND THEY TOLD ME THAT THEY SEND A COPY OF THE LETTER TO THEM BUT THEY DONT RESPONSE BACK. AND UNTIL THEY DONT RESPONE, THEY DONT DO NOTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This is in regards to 2 accounts that I have with XXXX   XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX  and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Harris & Harris is repeatedly calling me for a false debt collection from XXXX XXXX XXXX. I told them that I have verified with XXXX XXXX that I do not owe any balance on my account ( see attachment ). However Harris & Harris continues to call me despite that I told them not to do so -- latest call was this morning. Also the prior time that I spoke with their representative, she told me the debt had been reported to the credit reporting companies!!! Please see my latest statement of account from XXXX XXXX for XX/XX/XXXX attached. On page 1 you see that there is $ XXXX pending with the insurance company. On page 2 you see that this claim was denied for a date of service nearly 2-years ago because the provider at XXXX XXXX XXXX failed to get the XXXX approved by the insurance company. I recall getting a letter from the insurance company years ago stating that I am not responsible for this bill. Furthermore, I have had problems with Harris & Harris a month or so ago attempting to collect debt that I already had paid. They are a business that has very unfair business practices and collection practices. And they really should be looked into and fined or closed down for repeated violations of the FDCPA. Many people who are ill, XXXX, or senior are being taken advantage of by them, I suspect, based on my experience and based on complaints I have read on the web. And I am quite sure at this point that I have overpaid on bills that were falsely collected by them for XXXX XXXX. FYI,  according to XXXX XXXX, as of XX/XX/XXXX, the XXXX XXXX XXXX reported XXXX closed Harris & Harris complaints over the previous three years, including 30 closed H & H complaints over the previous 12 months. The XXXX gave H & H A+ rating. Additionally, XXXX listed 16 complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and two alleged violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) listed 93 closed complaints in XX/XX/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 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
can a bank refuse credit based on their own information or do they have to rely on the credit 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 explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
XX/XX/XXXX ( XXXX XXXX, PST ) At all relevant times starting XX/XX/XXXX Complainant has been a good standing consumer with XXXX XXXX XXXXl hereinafter the " respondent '', a service provider within the meaning of 12 U.S.C. 5481 ( 26 ), headquartered at XXXX, Minnesota. Complainant has a current checking account and at the time of opening the new account in XX/XX/XXXX Complainant was offered a reserve line of credit totaling {$2500.00} ( XXXX XXXX XXXX XXXX XXXX ). Complainant 's reserve line of credit of {$2500.00} has been in GOOD STANDING since around XX/XX/XXXX prior to which minimum monthly payments due on the reserve line since on or around XX/XX/XXXX were completed in a TIMELY manner each month and every time on or by the due date specified by respondent. At no time was Complainant 's reserve line of credit delinquent or otherwise in default. On or around XX/XX/XXXX Complainant filed a good faith complaint with the respondent 's FRAUD unit against " XXXX , XXXX '', a collection agency affiliated with XXXX XXXX who conducted an unauthorized deceptive financial transaction in Complainant 's checking account. At the end of the Fraud investigation, respondent refunded the deceptively deducted amount of around {$180.00} into Complainant 's checking account. However, on XX/XX/XXXX the respondent 'XXXX XXXX XXXX XXXX ' in turn engaged in an unconscionable tactic and unfair, deceptive, and abusive act or practice under Federal law in connection with the reserve line of credit offered to Complainant and unlawfully closed complainant 's GOOD STANDING reserve line of credit of {$2500.00} ( a consumer financial product or service ) in the course of violating [ Oregon Revised Statutes ] ORS 646.607 ( 1 ) [ Unlawful business, trade practices ] and which may not be limited to the cited statute. ORS 646.607 ( 1 ) provides that " [ a ] person engages in an unlawful trade practice if in the course of the persons business, vocation or occupation the person [ e ] mploys any unconscionable tactic in connection with ... collecting or enforcing an obligation ; ... ''

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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
My wife was in a car accident. She was injured and our car was totaled by a driver who was parked and crossed two lanes ( my wife was in the furthest lane from the other car ) to make an illegal u turn in the middle of the block on a four lane road. He drove into the side of our car. As it turns out,  the other driver was unlicensed and is being criminally prosecuted. The sheriffs office found the unlicensed driver to be 100 % at fault for the accident. 

The unlicensed driver had a second rate insurance company with low limits and despite the damage caused, would only be responsible for {$5000.00}. This second rate insurance company, XXXX XXXX XXXX ) also took the untenable and wrong headed position that my wife was 30 % at fault because she should have been able to predict that the unlicensed driver intended to make an illegal u turn ( despite the fact she had passed him already as he proceeded to come out of the parking spot, which is why he hit her in the sideshe did not hit his car ). However, because of the low limits on the policy their wrongful position was irrelevant as the maximum we could get was the {$5000.00}. However, in order to protect ourselves, we entered into a written agreement with XXXX XXXX that as a condition of accepting the {$5000.00}, they would not pursue us for any contribution to their insured or their loss. 

In blatant violation of this written agreement, and the facts giving rise to the accident, I ( who was not even the driver ) received a letter from Wilber and Associates stating that I needed to reimburse XXXX XXXX for the total of the amount they paid to their insured. When I called to explain their error, they unlawfully told me me they were going to have my drivers license suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The ongoing problem that I have with Capital One is in regards to a fraud situation. While charges were authorized, the ability to use the card was predicated entirely on Capital One approving and applying deposits to the account. Without this approval, the card could not be used. Even though the account was restricted on more than one occasion, the deposits were approved. At more than one time, I was told that the only way the money would be credited was if Capital One spoke directly to the bank or the person who owned the account. Given the fact that the credits were applied and then consequently removed proves that they did not follow their own procedure. If they could not get this confirmation, then the credits should not have been applied. 

Capital One fails to explain or account for their failure to properly verify the deposits in a timely manner. Deposits that were approved in XXXX were returned as late as the middle of XXXX, well beyond any reasonable 3-5 day turnaround time. By the time that I was notified of any issue with the deposits, the account was already used based on the positive confirmation that credit was available. It was not until XXXX before I received any written documentation, and that was after I continually pressed Capital One for information. The fact that they take no responsibility for the credits being applied because they use a clearinghouse does not remove any accountability. The extreme delay in the approval of these funds and the removal of the funds makes the approval of the subsequent charges their fault. Their stance that it is not their problem is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
The first week of XX/XX/2018, my debit card was misplaced at some point in an unknown location. I looked at my account and noticed dozens of charges at various locations in my state, some I frequent myself, some I had no idea. I called and filed a unauthorized charges dispute as soon as I saw my account information. It was investigated and I wasnt sure what was a normal charge I made and what was unauthorized/fraudulent because I was out of sorts at the time. I was refunded within the next week or so for almost a thousand dollars. I just got an alert 3 months later that my refund is being taken back on XX/XX/2018 and that my claim is closed for further discussion. I did not make XXXX dollars worth of charges and can not be dismissed with a simple " we looked into it and its your fault ''. I will go negative and suffer many overdrafts if this action is permitted tomorrow and it will take me months of being behind on Bills to catch up. All for something that is not at all 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