vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Overton, Russell, Doerr and Donovan, LLP
State: NC

Complaint narrative:
I have a XXXX debt with a hospital in NY state. Due to several other XXXX debts incurred at the same date and time, I was unable to enter into a payment agreement at an amount the hospital requested. They accepted lower monthly payments but stated since they could not create a payment plan for that amount they sent the debt to a collector. Is that allowed even though I have been making payments on the debt to the hospital? 
Also, now that I am able to pay and would like to start a formal payment plan, the hospital staff said they could not since they had sent the debt to a collector, even though they can accept payments on the debt and record it in their billing system. 
The collector has placed a collection record on my credit report, though they do not contact me since in my XXXX contact with them I stated that I was making payments directly to the creditor. Are they allowed to do so? If I pay the debt in full to the creditor, can I have the collection record removed from the credit report since they were never involved with the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Service Company, INC
State: NM

Complaint narrative:
Under Investigation of the New Mexico XXXX XXXX, the State has Frauded, Scamed and Made Theft of, a XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Card Receivables Fund Incorporated
State: NC

Complaint narrative:
this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I previously filed a complaint with you, it is the Case number : XXXX. 
My complaining is about unfair and deceptive business practices. Bankunited is offering in XXXX XXXX accounts an interest rate of XXXX for 3 months and afterwards, the interest rate is XXXX. However, I have a MM account with BankUnited for almost 20 years. XXXX has been lowering my interest rate until 0.3 %. This means that they have been giving me only a half of the return value, or interest rate that they should in relation with other customers. But, the market value of my money is the same as of those they called as " new money ''. This " new money '' is often the result of closing an account and re-opening it again. 
The first answer of my bank was they were unable to locate my account. Then, they said, that there were too many XXXX XXXX and they did not know who I am. 
Today, after 3 months dealing with them and waiting for a solution ... they offered me 3 months rate at XXXX and afterwards 0.6 %. 
I do not need the intervention of too many people or reps and 3 months waiting period for closing my account, sit in the lobby for XXXX min, and re-open my account again with " new money ''. I would like to know if the CPFP is able to provide me any help or assistance? 
I am XXXX and I have enough neurons to be graduated from an university and this " solution '' sound to me as a foolish. 
I would like to obtain your help if possible in handling this complaint. They are excusing behind an argument that customers has to be checking for " bank offers '', but instead, they do change " offers '' at its convenience b/c my XXXX account was openned at an interest rate of ( at least XXXX XXXX or higher. Then, the bank is able to reduce my interest rate without calling me and ask me if I agree or not with this change, but to increase my interest rate I have to be checking " often for offers '' with the account administrators. 
All banks that I know offer a rate that is directly related with the amount of money in the 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 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
XXXX XXXX ( FBN XXXX ) represents Unifund CCR , LLC in a lawsuit filed against me. This debt was from XXXX of 2009, which is well beyond the statute of limitations for Florida, F.S.S. 95.11. Because of unforeseen events, I was unable to attend the court hearing for the judgement. Since then, XXXX XXXX has continued to attempt to illegally collect this debt through grnishment of wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC

Complaint narrative:
The Mortage company failed to pay off my taxes in XXXX XXXX. I sold my home in XXXX XXXX, XXXX. The Mortage company Faye Servcing added on $ XXXX worth of fees on my account. Refused to tell me what they were for. To date the company is refusing to call me back, or follow up with me about my Escrow Refund of almost {$1000.00} I call them almost everyday for the last two months and only thing they said was the check should went out XXXX XXXX, XXXX but its just sitting there we will follow up within 48 hours and get the refund out to you. Now overtime I call they tell me they have to transfer my to my old rep or a supervisor who I also spoken with in beginning of XXXX who both stated they would get back with me within 48 and to date no money no refund. This company needs to be sued and I am further turning to over to an attorney for results and the way that I was and have been treated unfairly and violation of federal laws they have. broken to me. property address XXXX XXXX ga XXXX My account manager is very rude and sarcastic with me when I call. They just dont give a care

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Credit Card Receivables Fund Incorporated
State: NV

Complaint narrative:
XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with XXXX at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with XXXX until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
In XXXX 2015 I used my First Citizens online bill pay service to pay several bills. First Citizens returned the bills as unpayable, even though I had more than enough money in my account to pay them. I have made repeated phone calls to correct this, and was told something different each time. Each time I was assured that the problem was resolved and the creditors were paid. I am now getting collection notices from XXXX of the creditors, as well as late fees and damage to my credit report. 

I am attaching my First Citizens bank statement for that month to show a balance of over {$20000.00}, as well as the notice from XXXX of the creditors stating that my bank had denied payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: CT

Complaint narrative:
I was trying to buy a distressed house in XXXX CT using FHA XXXX loan. My lender was AnnieMac, seller XXXX Mortgage represented via XXXX Real Estate 's agent XXXX. Due to excessive scrutiny imposed by the lender I was unable to find a contractor to work on the house in due time and informed about it the lender on XX/XX/XXXX ( 23 days before proposed closing date ). The loan process should have stopped at this point, however the lender essentially forced me to continue by ordering an appraisal and XXXX consultant inspection, {$450.00} and {$500.00} respectively. Eventually we have received a bid from a contractor but it was too late, there was not enough time for underwriting. The seller refused to grant extension, but then asked for $ XXXX!!! fee for delay. My attorney advised me to execute finance contingency to avoid loosing my earnest deposit ( {$1000.00} ). 
As a result of this I was unable to buy a house and lost {$1900.00} in fees ( inspections, appraisal, attorney ). I 'm currently also unable to return my earnest deposit, even though my attorney made every effort for this. 
The lender business practices are completely unacceptable and appear as predatory lending tactics, and led me to major losses. 
Same applies to the seller of the house, which is also a mortgage company - they asked for atrocious fees for extension of closing date and now refuse to return my earnest deposit without even stating any reason. 
The seller 's agent does not return calls, and does not respond to emails. 
Please help to bring the justice here, I have done nothing wrong, yet lost substantial amount of money with no hope on recovery. 

Thanks, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Both balances were paid at the same time in one full payment to XXXX at the XXXX Business office on XXXX XXXX XXXX, in XXXX 2013 the balances of XXXX and XXXX. I have called the XXXX office with no help. I have spokes to XXXX at the XXXX office twice. I can not pay this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Refinanced home in XX/XX/XXXX while being promised a XXXX % received a negative amortization. Since payments were not affordable, ( rising from {$590.00} to {$1300.00} to {$1600.00} to {$3600.00} t0 {$4400.00} and so on ; I was granted by the lender a modification at XXXX % through their retention and modification department and further they said that if I added my children to the property, it would better protect me ; 8 month later they accelerated the mortgage because an unqualified banker did my modification. It was prepared by the bank on XX/XX/XXXX and recorded in XX/XX/XXXX. 
I hired Attorney XXXX - He used the more unconventional form of non litigious behavior with the bank, upon a hearing and a modification request 5 years later ; to no avail Enter attorney XXXX and gets paid XXXX for what I discovered to be a " skeleton Bankruptcy- Case is dismissed in Court Enter attorney for a family members of mine, co owner of property with kids and I and files his own personal bankruptcy, for his homestead Enter XXXX XXXX was hired to fight the foreclosure and get a modification. On XX/XX/XXXX, he goes to court without my consent and signs off my rights to my home ; I called him and told him I would be filing a bar complaint that where were my modification papers ; answer lost He sent {$1000.00} withdrew from the case and left me hanging In walks XXXX to do the Bankruptcy Chapter XXXX, XXXX motion for stay not filed I do not know why, takes home out of bankruptcy, and sends Chapter XXXX papers that represent the wrong figures Enter Foreclosure Sale Date : XX/XX/XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX, I sold my business to my other partner and told XXXX in XXXX, TX to remove me from the account. At that time I had no more access to online statements to that account and I received no more paper statements. So I assumed that I was removed off. However, in XXXX that account was in overdrawn and somehow my name and social was still tied to this account. The address is a place that I have never lived. In my 6 years with the bank I was never past due or in default. They had keep the account open because of my business partner was also on this account. It should have now been completely in his name which the obviously did not fix. I was never contacted to rectify this situation and it was just thrown on MY credit report. They refuse to fix or take any responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am complaining against Experian for reporting negative information on my credit report, when they have all the necessary information between XXXX XXXX XXXX XXXX credit card accounts no owned by their debt buyers, XXXX XXXX and the XXXX XXXX XXXX XXXX to aid and assist them in collection activities - when they know what happened ... cut-off procedures increased the revenue XXXX debt buyers and increased my liabilities in the process. The debt buyers have no signed agreement from me and also have no documents. Experian tries to get me to submit my documents, when they stand to profit from a bogus and biased collection, with a conflict of interest.

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 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have filed numerous CFPB complaints since XXXX of this year about XXXX XXXX Card and Experian 's reporting of it, yet false reporting on my Experian credit report continues. Specifically, there are XXXX XXXX XXXX XXXX previous CFPB complaints about XXXX Bank XXXX # XXXX ; # XXXX ; # XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX previous complaints about Experian XXXX # XXXX ; # XXXX ; XXXX ), for a total of XXXX XXXX XXXX XXXX, separate previous complaints about XXXX them since XXXX of this year. 

Why has the CFPB allowed the false reporting on my Experian report to continue? 

On an Experian credit report for me dated XX/XX/XXXX ( report # XXXX XXXX, XXXX malignant refuse is scattered throughout the report. On page XXXX, a charge off from XXXX XXXX is shown in XXXX of this year. Yet, again, on page XXXX of the same report, XXXX XXXX 's dirty litter remains on my credit report, when it is shown that it received a copy of my report on XX/XX/XXXX 

In view of the systemic, wanton lying on the part of XXXX XXXX, XXXX Bank and Experian, as documented in XXXX complaints now, I ask the CFPB to sanction all XXXX of these bad actors in the credit, credit reporting, and financial services industries. 

All XXXX of these institutions should be shut down immediately, all of their receipts should go to a special master and they should all be fined heavily for their wanton violation of fair credit reporting laws. 

All reference whatsoever to XXXX XXXX in my credit report should be eliminated once and for all, and all sewage streams that continue to try to dump refuse about it into my report should be permanently XXXX and denied any further access to my report. 

Experian should be fined daily, with exponentially increasing amounts, for its failure to implement these corrections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am requesting that Experian remove the address listed on the Experian Credit File, history : XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from these company listings Late Over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCY. I am unaware of Late over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCIES.. 
Please validate this information with XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. A legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The inquiries not belonging to me are XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Please update my report and remove the highlighted accounts and inquiries.

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 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XXXX XXXX, XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XXXX XXXX, XXXX. No response from XXXX has been received as of XXXX XXXX, XXXX. A call to creditor on XXXX/XXXX/XXXX acknowledges receipt of letter dated XXXX/XXXX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of first delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with first date of first delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation