vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX a dept validation was sent out to XXXX XXXX. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have dealt with financial hardship, And was homeless at one point an trying to get back on my feet this has hindered me from moving forward. The dates and amounts are incorrect. Also, some account are 7 years old or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
This company informed me that they do not have this debt for {$400.00}, and they have asked the credit reporting agency to remove the information as it was not mines to begin with, However its still reporting ; I need CBE GROUP to submit another notification to the credit bureaus to remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
XXXX : FICO score has decreased by 28 points XX/XX/XXXX THIS IS A FRAUDULENT SHELL ENTITY. The entity uses coercive and deceptive phone tactics, data theft, and false reporting to credit agencies. 

Account name RECEIVABLE COLLECTION SE Account number XXXX Recent balance {$120.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 

RECEIVABLE COLLECTION has flagged your account as Collections. 
XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX   Company XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$120.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, NY XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's  internal collection department Status Updated XX/XX/XXXX Balance {$120.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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:
There is an account listed on my Experian credit report that does not belong to me. This same account was also listed on my XXXX   and XXXX reports, and I was able to quickly and easily get the account removed from those reports as the account did not belong to me. Experian has not removed the account, despite attempting to submit a dispute to have the erroneous account removed. 

Experian has made it extremely difficult to submit a dispute online in order to get this corrected. I was not even able to access my credit report in order to submit a dispute until I filed a different report with CFPB back on XX/XX/2017, and Experian sent out a copy of my credit report in response. With the report number listed on the report that they mailed to me I was finally able attempt to submit a dispute online. I still have not been able to even submit a dispute for the erroneous account as Experian 's website will not allow me to complete and submit a dispute for the erroneous 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 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I had account with XXXX 3 year ago with 3 numbers after leaving the company my account was $ XXXXbalance. XXXX also never sent confirmation that my account was {$0.00} balance after asking months after & years after years all till this day..Nothing! 


Recently I at looked credit report & saw there was an account of {$430.00} from DIVERSIFIED ADJ SVC from XXXX. I called & asked I was told that was a balance own from the last # on my account ending with XXXX moved but the new own could take care of the balance also on top of that they never told him that nor me XXXX just sent me straight to collection. Now my credit is being damage so badly now I can't get a good car insurance or purchase a new car for work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This company Phoenix financial services has a debt of {$300.00} repotting on my credit profile I have sent a letter to this collector asking that they send me validation bearing my signature, because I dont remember obtaining any services from this institution, and I have not received anything, also they reported this on my credit file before ever contacting me ... please remove this information ASAP ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Barclaycard.us and their other brand XXXX WEBSITES NOT WORKING Both websites are DOWN repeatedly. This started several months ago. It is impossible to 1 ) see and verify your card usage 2 ) pay your bill online I have 1 ) called the company several times 2 ) been transferred to tech support 3 )  talked to them for over 45 minutes 4 ) cleared cache, cookies 5 ) rebooted computer They are unable 1 ) to resolve the issue 2 ) to provide a contact email where screenshots and complaints may be sent They can take a payment over the phone. But you can not view your account history if you can not log into your account and are signed up for paperless billing! 

So I went to their XXXX page for help. XXXX XXXX XXXX Here, if you look at Posts from Others, and Comments below the Barclay 's posts themselves, you can see numerous consumers stating the same thing since XXXX. And the response from Barclay 's each time is 'our website is working ' and 'call us ' You can also see that the site has been down here XXXX XXXX XXXX It would be irresponsible to use these cards if I can not verify my account activity online. 
This issue has been continuing over several months. It is apparent that the company has been notified numerous times. This issue needs immediate resolution. 

Moreover, this is very concerning because twice last year I was issued a new card and account # from Barclays ( I did not request one. ) When I called to ask why, they said it was due to a data breech on their end. But their mailing simply said " here is your new card '' and did not disclose any data breech.

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 monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I manually changed the monthly payment amount for my Capital One credit card to {$1200.00}. The next day Capital One charged me for the amount I changed my monthly payment to and then also charged me again for the entire balance on my credit card {$1500.00}. I called Capital One the next day as soon as I noticed that I had been charged twice. The payment was made on the XXXX of XXXX and I called them on the XXXX of XXXX. I also checked with my bank account with XXXX XXXX  from which the funds were supposed to be drawn from, and they had no information about the transaction, and so the funds had not been withdrawn from my bank account yet. I called and spoke with XXXX Bank wh told me that Capital one should be able to cancel the transaction since the transactions had not posted on their end.I had a three way call with Capital One and XXXX XXXX. When I spoke to Capital One they informed me that the transaction had been posted to my account on their end and they hadn't receive the funds yet. The transaction had posted to my account less than 24 hours after the due date, even through every other transaction takes 2-5 business days. Capital One told me that they could not reverse the charges and told me that the only option I had to reverse the double charge was to put a stop payment in with XXXX XXXX account. XXXX XXXX was not able to do this as it would take 2-3 business days to cancel the payment, which by then the payment would have gone through on their end. So Capital One was not able to offer me any solutions for dealing with a double charge. Their systems were flawed in that they allowed for two payments to be made on the same day without having raised any questions. Their inconsistent practices with the time that it takes to process transactions created an unfair situation where I did not have enough time to adequately deal with an accidental double charge to my account. The speed at which Capital One processed the transactions prevented me from having enough time to put a stop payment in pace with XXXX XXXX. Furthermore their inability to offer any feasible options for resolving the issue is predatory as it forced me to pay they funds which I did not have at the time, and then pay them more money for late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN MOTHER XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company called XXXX XXXX / resurgent has a account that they said is from XXXX XXXX with a balance of {$1000.00} and it is reported on my credit profile, I have reached out to this company three times and asked for the original agreement that I signed because that is the only acceptable proof of validation ... and they have not replied or complied and removed the derogatory information, now I need them to get rid of this unknown debt that they never even reached out to me and give me the 30 days to contest the debt, so please I need this information off my credit reports or send me the agreement I signed to enter into a payment agreement ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
Back in XX/XX/XXXX/XX/XX/XXXX my wages was garnishes for a student loan that I was unaware of the origin. So as I kept trying to go back to figure out who the original company was to even know if this was accurate to stop the garnishment. The company I dealt with agreed to stop the garnishment but I had to agree to switch the new payments to XXXX. The companys name is GC services. This happened in XX/XX/XXXX. So whenever I attempt to log on their website and pay it says my information is incorrect. I then pull my credit report and I realize my date of birth is incorrect which is now making me wonder if this loan even mines to begin with. It separate from the other loans I have had. So Im looking for some clarification. I attached what information I had from GC SERVICES. Again a loan was being garnished and they were taking all of my paycheck at the time. They sent me documents and told me my loan would be restructured and thats how I started with XXXX. I mistakenly never asked for proof of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received the following email from Experian on XX/XX/XXXX ( full text of email is shown ). Then when I looked at my account yesterday, it said I was being charged {$19.00} per month. When I called the membership department, I was told that the {$4.00} was a one-month trial and that the website explained the higher monthly charge. 
However, I believe this is quite deceptive advertising, because the email does not ever mention a one-month trial or the higher fee. The website was difficult to navigate but I thought I could trust the email from a company like Experian. 
I am on a limited income so I had no choice but to cancel the account. 

XXXX Experian Membership ID # XXXX  Member Sign In New level of protection As identity theft increases, it's time for you to increase your control and level of protection in XX/XX/XXXX. For just $ XXXX/month, you'll get ability to lock your Experian credit file and block identity thieves from accessing it. 

Up your protection More benefits that monitor your identity and credit Experian CreditLock Lock your Experian Credit File instantly to prevent new credit accounts from being opened in your name. 
Dark Web Surveillance Alerts you if we find your personal information on the dark web. 
Experian Credit Report & FICO Score Keep track of both, refreshed every 30 days upon sign-in Hard Inquiry Alerts Be alerted if someone conducts a hard inquiry into your credit, as these can lower your score. 
Protect yourself 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 explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
This company called Safco has a balance of {$9700.00} reporting on my credit report I have reached out to them and asked them to validate this debt because this account is not mines and I wanted a copy of the bill of sale, the original contract bearing my signature, the date o f repossession, the date it was sold at the auction, the receipt of auction sales, and the computation of thIs balance so I can see how my name got attached to this loan/ lease, I have sent multiple letters to this company asking them for the information and also to remove the negative entry from my credit profile as per the fair credit reporting act section 609, 623, 605, 611 and 604, this company in over 90 days as not replied and still continue to verify information with the credit bureaus, whatever verification is going to the credit bureau for this account to remain I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My complaint to XXXX XXXX XXXX XXXX website not answered. They call 5 times a day, & I tell them the same thing : payment will be brought fully current the next time I get paid on XX/XX/XXXX. They say ok, but then they call again & again, 5+ times a day for 2 more weeks because they cant stop the robocalls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so XXXX has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY XXXX representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet XXXX makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY XXXX, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I took out a reverse mortgage in XX/XX/XXXX. It was initially serviced by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, MI XXXX. The servicing was later transferred to OCWEN, XXXX XXXX XXXX, XXXX, MI XXXX. ( The identical address leads me to suspect it is the same company with a different name. ) I believe this company is overcharging for the Mortgage Insurance Premium ( MIP ) required for reverse mortgages by nearly 300 % when one takes into account their interest rate and their methodology for calculating payments. 
In reviewing my annual statement, OCWEN is charging the Mortgage Insurance Premium ( MIP ) at 1.25000 % annual rate or 0.00342 % daily periodic rate, or 0.10417 % monthly periodic rate. Looking back at previous annual statements, ( see attached ) Liberty/OCWEN charged this rate every year on a monthly or daily basis instead of an annual basis thus further compounding the interest owed. According to Hud.Gov website regarding Reverse Mortgages ( HECMs ), under their heading HECM Costs, it states, " You will be charged an initial Mortgage Insurance Premium ( MIP ) at closing. The initial MIP will be 2 %. Over the life of the loan, you will be charged an annual MIP that equals 0.5 % of the outstanding mortgage Balance. '' Therefore, since XX/XX/XXXX, I have been overcharged at the rate of 1.25 % for MIP instead of HUD 's maximum rate of .5 %, and by assessing this charge monthly or daily, instead of annually as per HUD rules, it has grown exponentially larger than it should have. Speaking directly to the company has not been helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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:
Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX systems. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with Equifax and by phone with XXXX with a rep named XXXX

Company response to consumer: Closed with explanation