vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The debt posted below and attempt to obtain pass due balance is false. I was never notified by the company that the debt does not belong to me. I was never given the chance to ask to please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. Never given any information to be able to speak with the CSR. I do however member this false reporting once before from the agency listed below. I was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. XXXX XXXX XXXX , XXXX Last reported : XX/XX/XXXX -  {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? You could dispute an error with XXXX. Creditor Information XXXX XXXX XXXX , XXXX : COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/XXXX {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX This has been proven once before this is not my debt. This company is trying to collect on false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
They called me saying I had debt. I have no debt. They call the company Portfolio Recovery Associates and they are in Virginia. Their number is XXXX. The call came on or near XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have tried to delete fraudulent accounts from my Equifax report several times and they are not coming off. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX. XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
When looking over my credit report I was shocked to see a late payment on XX/XX/2015. Being that I always make my payments to you when I receive my statements, I don't even know how this happened. My only thought is that it got lost in the mail somehow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I attempted to apply for a loan modification with Wells Fargo in XX/XX/XXXX. I was told who my home preservation specialist was but I was never contacted by him nor did he answer any of my calls. Finally, after several attempts, I was able to speak with him and he stated that he didn't know he was assigned to my case. I then, spoke with different agents at Wells Fargo and they gave me different instructions on what to do. However, the last agent told me that I had to have my application in within 7 days of my Foreclosure date. Which should have been XX/XX/XXXX. I did so. Wells fargo called me on XX/XX/XXXX stating that they could not help me because turned my paperwork in too late. I called HUD and the escalation department at Wells fargo phoned me and stated that they would indeed review my case and attempt to delay the foreclosure. I did not hear from him until the Evening of XX/XX/XXXX. He stated that he couldn't stop the foreclosure, but, he would continue to review my case because they maintained ownership of the property. He kept sending letters extending the time frame to get back to me. Finally, I received a letter in XX/XX/XXXX stating that the foreclosure stands because they did not have verification of my employment start date. I expressed my disagreement with that response. I never heard from Wells Fargo again to this date. I received an eviction notice from XXXX XXXX XXXX in XXXX, XXXX. I also received a cash for keys letter from a XXXX XXXX XXXX at the same time stating that they were a DBA for Wells Fargo and they are handling my loan. Neither of the companies knew the status or process that was going on from each company regarding my loan. It is my prayer that something is done to save my home from this wrongful foreclosure. I have been very ill and had a XXXX due to the situation. I would like to file a complaint against Wells Fargo for wrongful eviction. Also the paperwork noting the sheriff 's sale which is attached to the eviction notice from XXXX XXXX XXXX does not appear to be signed by an individual. It appears to be cut & paste. I'm am attaching a notification regarding a class action lawsuit regarding XXXX XXXX XXXX for the manner in which they participate in foreclosures. I am also attaching other correspondence relating to my situation.

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 2018-10-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My complaint is against Bank of America credit card department. I have tried multiple times to set auto pay and was told it was set. I have everything set this way and it is an easy thing to do for peace of mind. The app does not allow you to set auto pay. I am not sure why cause who would not want to make it easy for the consumer to give you money, and an app should allow you to make payments and check balances, but theirs does not. I have called to complain and was told via phone several months ago that my auto pay was set. I usually go in on my app and make extra payments and future payments too. So I never noticed that the auto pay is not set as I had thought. I was shocked to find a notification today that I am 5 days late. Why they tell you five days later who knows but I made the payment and noticed I was charged {$29.00} fee. I called to ask the fee to be waived and a one time forgiveness, and once again assistance to set up auto pay. It took me at least an hour because you have to go online desktop only to set and they told me the passcode is the same but it wasn't. So once again I have to call for assistance just to login. It should not be hard to make a payment. I am set for auto pay and extra payments to ensure it will not happen again and ask BOA to please waive fees and late pay history for this one time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I sent Diversified Consultant a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. Diversified Consultant Responded by sending me Itemized list of alleged charges they claim I owe and not what I ask to validate the debt. Diversified Consultant sent me a letter claiming they contacted the creditor and confirmed the data is correct. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. In my validation of debt letter with this company I ask for specific. The amount of debt ; Please provide me a verification of judgement if any ; Proof that they are licensed to collect debts in my state, and other specifics they could not or would not provide. I also notice Diversified Consultant was still reporting a collection on my credit report with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I called this company again to complain that this collection does not look like its mine but that continue to give me the run around. I have documented all conversation and my letters I have sent them and the credit bureaus. If this company continues to report this miss leading information than will leave me no choice but to seek legal advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: DE

Complaint narrative:
Today on XX/XX/2018 I had returned a call from XXXX XXXX who claimed they wanted to help me with my default payments. When I called they hassled me to try to get family to lend me the money, telling me to " swallow my pride and ask to borrow some money '', threatened repossession, wage garnishment, and a potential lawsuit. When asked if they were planning to do these things, or if they were idle threats, the question was avoided. I explained that I had stopped making car payments because I had gotten into a car accident and all of my money ended up having to go to living expenses because of it. I also explained to them that I am only just now being reimbursed for missed wages and damages due to the accident and that I would be able to get them the majority of the money I owe them by the end of the week. I also explained that the majority of my next paycheck would be able to go to the remaining defaulted balance. They insisted that they needed it in full today or that they would send it to their national recollection department and that they " might '' garnish my wages, repossess the car, or file a lawsuit. The man did not curse at me, but continued to threaten me instead of help so I hung up on him. He has also called my father stating that he was just trying to help sort things out but at the end of the day, that wasn't the case, he just called to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GA

Complaint narrative:
On XX/XX/XXXX they called me stating they were going to file a legal case against me. Stated they couldnt provide anything in writing unless it was a payment plan. But I told them that was odd cause by law I have the right to receive something in writing in regards to this case. They said no. They aldo called my ex husband and provided non pertinent information to him and provided a case number and everything. 
When I called the number an XXXX XXXX from XXXX XXXX XXXX misrepresenting herself and the company she worked for. She was the one trying to get me on a pmt plan however I told her that I wanted something in writing she stated she couldnt and giggled and said she wished me the best of luck with XXXX County. They dont even have my current address and didnt even ask me it. Lack of professionalism and misrepresentation of company. 
I called again to ask them for a company address then I spoke to an XXXX from the " proceedings legal department ''. He was rude. He raised his voice at me and said he was going to proceed legally if I didnt agree to a payment plan. Told him I wanted something in writing and he said they didnt provide anything that the only thing he was going to send was the legal paperwork. I told them I couldnt agree to anything if I didnt know who they were and he stated he wasnt allowed to provide me with any information. That he understood that I was upset because they called my ex husband but that wasnt his fault because they used a locator.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On the day of XX/XX/2018, I was scrolling my XXXX page when I saw a page for offering discount goods, like sneakers and cell phones. I direct messaged the seller per their request for " serious inquiries only '' when I firect messaged the seller, they responded within the hour. I asked was there an XXXX XXXX available for sell and the answer was " Yes '' the person said it would be {$420.00} that's including 2 Day shipping. On the page, the seller takes XXXX, XXXX XXXX, etc which I used XXXX, I also screenshotted our conversation. XXXX requested a First and Last Name, along with the sellers email. Once I transfered the funds it was rather late. So I tried contacting the seller the next day asking for a tracking number, they did not respond, so I waiting until after my classes which I would be in all day. When I tried to contact the seller again, our conversation had been deleted and I was blocked that's when I knew I was scammed. I tried contacting him through a different profile asking him amount my funds and phone, I was blocked again. His XXXX name is XXXX the email he gave through XXXX he also has another email listing on his XXXX I did not message him through email out of fear of being blocked through there. I let him know that I had been saving for months, which I had, to see if that would gain some regret in the seller, it did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
The mortgage serving company, Rushmore Loan Management Services, LLC, purchased lender placed hazard insurance for my property, without my authorization or consent, despite the fact that I already had property insurance of my own. 

This resulted in an increased monthly payment being deducted from my account, again without my authorization and consent, and my being overcharged in the amount of approximately {$110.00}. It also resulted in my records reflecting an increased monthly amount, and my being improperly charged a late fee of roughly {$120.00}, despite the fact that I have timely made all payments. 

I have made roughly 8 calls to Rushmore 's customer service and insurance department in an attempt to get this issue resolved and have been given the " run-around '' time and time again. 

This is possibly the most dysfunctional financial services company I have ever engaged with and I would encourage the CFBP to take any and all steps they are authorized to take

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX  : XXXX XXXX  : 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 non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
With PayPal, I tied to use the credit account that I have with them through their site, of which I was logged into. They declined my transaction using their credit by stating in a later email that they were unable to verify me, but had no issue in using another payment source without this verification. Which states to me that I am not carefully verified when signing into there site with my personal banking account attached, and need additional verification. The site didn't request any additional information for verification, just flatly declined my transaction and therefore would not allow me to use my credit account allow approved. This is a very deceptive practice, feeling like a bait and switch, as this credit usage would have allowed better financing terms and conditions of no interest for 6 months. Very upset with this.

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
All my inquiries have been hard pulls and its affecting my credit I got a full credit report and dont recognize none of these inquiries done by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email from Kohl 's regarding late payment, so I called today ( XX/XX/2018 ) trying to understand the charges. I was advised that I had an outstanding balance of {$110.00} accumulating on my account. After lengthy conversation with the associate, I was advised that was due to one late fee previously not paid, so the following month they imposed another late fee on top of that, subsequently added a third and fourth late fee in the following month, accumulating to {$110.00}. The associate was helpful and offered to waive one late fee initially, then offered waiving of two late fees of {$74.00}, and asked me to pay today for balance of {$39.00} in order to avoid being reported to credit bureau. I explained to her that this is an unfair practice to bill the hefty fee on top of hefty late fees, esp. to the valuable Kohl 's customers. The lady agreed and apologized, but said that she could do nothing else. I strongly believe this was not right and I should not be charged late fee on top of late fees for multiple times. Kohl 's should immediately stop this ill practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX ). Open account was {$690.00} paid in full as of XX/XX/18 Got the attached letter it was paid in full as of XX/XX/18. 

Contacted XXXX XXXX as they are the primary account holder and the above are a 3rd party. 

XX/XX/18 Contacted an agent named XXXX ( XXXX ) at XXXX XXXX central time requesting that once they received the payment in full that a deletion letter will be sent out. It was confirmed on the phone by XXXX that yes once the account was paid in full that it would be deleted from my report. 

XX/XX/18 XXXX XXXX XXXX at approx XXXX central time and he told me that is not the process of how this works that it would be just a paid in full. I asked if he sees the notes on the account that agent gave incorrect information. He said that he would have to transfer me to her supervisor. I asked about the notes on the account and they said they conflict with the policy. I asked well that was not what I was told and then he tried transferring me to a supervisor named XXXX XXXX. Calls was disconnected and she called me back at approximately XXXX central time. She had all my information pulled up already. She said on XX/XX/18 that the information was the true information given and told me that I should know the policy. I replied back that I do no know the policy as XXXX told me on XX/XX/18 that a letter of deletion would be given. She told me XXXX gave me inaccurate information. This is not my fault as I do not know what the policy is. And because I was given this information from XXXX and I have it noted of the date & time of the call and possibly notes on the call that this should be honored. I also asked for a transcript of the call and XXXX was unable to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX Transunion : 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