vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I have been receiving multiple phone calls, emails, and voicemails from quicken loans trying to get me to refinance with them. I am currently a quicken loans client but after this incident I will no longer do business with them. Some days I would receive over 10 calls even after I kindly told them to take me off of their list on XX/XX/2019. The emails, voicemails, and calls have been going on for over two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I feel like my credit card company is over charging me late fees for the credit card I need to pay off. I’ve been pay $XXXX  since the beginning of the year every month when called to ask what the remaining balance still is they said it was still 4,000plus that’s what it was starting off so I’m not sure why it hasn’t gone down after all these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX  XXXX called about an XXXX CC account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
Was this contact made in person? Can you verify it was me? I do not go to XXXX. I have a XXXX XXXX  through XXXX. You may have spoken with someone but it was not me. I would not consent to treatment at XXXX if I was coherent. I'm sorry but I do not owe this debt. I will not be paying for something I have no recollection of. I never disputed it because I never knew about 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 2019-08-21 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: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX   XXXX XXXX XXXX ( XXXX. Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I did not authorize this debt and it does not belong to me. Please review the attached documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: IN

Complaint narrative:
Person called 2 weeks ago from a place called CRS she said she would serve me at work or home on Friday, XX/XX/XXXX. When I asked what the service was for she said a debt. I asked what debt and She gave a call back number that went to a voicemail saying no one was available. I also asked for account number she did not have one. I looked it up and it was marked as a scam. Someone did call back saying I would be sued if I didnt pay today. I asked by whom they said by their client. They asked if I would pay by credit card over the phone I asked for account number so I could provide it to my bankruptcy attorney the person laughed and said oh your bankruptcy wont cover this. I asked again for business of debtor they refused and would not give amount due or account number but said I would be served at work on a Friday. I said ok. They tried to verify my email and gave me a different email than mine. No one arrived at my home or work to serve me. 

Today I received a voicemail XXXX XXXX - XXXX XXXX XXXX at XXXX XXXX   from number XXXX. Voicemail says this is XXXX XXXX with department of civil processing at XXXX XXXX XXXX calling for respondent. Our office has been retained to get a statement as part of a pre-litigation progress. Under Indiana state law you have 48 hours to respond with a formal statement XXXX Account number is XXXX either you or your attorney can respond by calling XXXX ext XXXX. Thank you. The background sounded very much like a telemarketing call center. 

If you call back it is the same voicemail and process as when the lady called threatening to serve me. They call back wanting a credit card payment over the phone. They do not identify debt and say you are being sued to avoid law suit you must pay today. When asking for account specifics for your attorney they revert back to a script demanding payment. Again they do not tell you the amount or account number.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
My son was taken to the hospital by his mother XX/XX/XXXX of XXXX. At that time my son was also covered under his mothers health insurance. A bill was sent out under my name ( XXXX XXXX ) mistakenly instead of his mothers ( XXXX XXXX XXXX ) on behalf of XXXX XXXX Medical Centers mistake. This has not been their first mistake before. My sons mother was XXXX  from XX/XX/XXXX through XX/XX/XXXX. Every medical bill was sent in his mothers name entirely always until he was placed in my custody XX/XX/XXXX and was placed under my medical insurance. XXXX medical center mistakenly put my name on the bill and was sent to collections and I was not aware until it hit my credit report and seen this beginning of XXXX. I filed 3 disputes to 3 credit bureaus whoa re investigating it. I reached out to XXXX medical center of XXXX Ohio and said they would transfer the bill into my sons mother name but can not do so  now that the bill was sent to collection. So now here I am almost a 800 credit score never missed a payment in my life and fighting to a bill that was not mine, if it was I would have taken care of it. XXXX Billing department told me that whoever brings in the child is billed, they told me my sons mothers name was on file who brought him in and should have been billed on. I came shortly later and payed the emergency room bill to help provide for my son. So my credit score takes a 100 point deduct and Im left to bare of that why? I find this very wrong and I dont care for the bill I will take care of it if I have to but I want my credit report and score fixed. I should not have been held accountable. Someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Monday XX/XX/19 I tried to access my business checking accounts with no success. Customer service could not locate my business checking and saving accounts, debit card, Tax Id, online user ID. All my information were gone. At the branch they made a phone call and were able to locate ONE of my checking accounts. I was given a case number. I called and they were able to locate my other two accounts. Unfortunately I was told I would not have access to those accounts for 3-5 business days. My online banking was reset and I lost my saved info for the last 10+ years. 

Bank explanation : Internal Error The bottom line : I can not access my own money in my own accounts. 
I still have bills to pay and loans due. I was also scheduled to close on a big expansion for my business. Information were needed from those accounts which I could not access. My expansion loan is now postponed and I might end up losing the whole deal. 
Customer service at the bank tried his best but the system wouldn't let him bring back my accounts. CASE NO. XXXX Please help. This is so wrong.

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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX  XXXX XXXX XXXX ( C.D. Cal.Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. 
CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
In XX/XX/2019 I was notified that I had a collection on my credit report Waypoint Resource Group account # XXXX. I disputed the account with XXXX. Waypoint verified the items with XXXX! I contacted to Waypoint directly on XX/XX/19 speaking with XXXX and XXXX XXXX. They both informed me that my address and birthdate did not match up with their file. At that point they told me they couldn't discuss the account with me because they could not verify my information! Of course they couldn't because it's not my debt, I say. Please remove it from my account. They can't remove it because I'm not the owner of the debt. They tell me a can dispute it with XXXX  or the original creditor. I called the original creditor, XXXX XXXX XXXX and spoke with XXXX employee # XXXX who could not find any delinquent accounts attached to my name, address or social security number. He waited on the phone while I tried to conference call Waypoint to hopefully resolve it with them but after being on hold for XXXX  minutes, we were hung up on. XXXX didn't want to wait any longer so we ended the call. I have started another dispute with XXXX  with the additional information obtained. Waypoint never contacted me ( because they didn't have my contact info ) but were able to put a collection on my credit report and then did nothing to resolve their errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I went into the Branch of Webster Bank on XX/XX/19. I deposited XXXX {$20.00} 's. One was not verified. It came out. Then I put it back in. It then registered. Before I could hit the complete deposit. The screen went blank and my card and portion of the {$20.00} 's put in were kicked back. I counted the money and realized XXXX {$20.00} 's were missing. There was a glitch in the ATM. A letter is being sent. Declining the return of the funds not given. Webster claims the ATM with the Glitch was accurate. I am not chasing money I am not entitled to and don't appreciate Webster 's handling of their ATM in the middle of a deposit. I'd rather my money gone into my account and this be the end of the matter. No I am chasing funds because of an ATM glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Wages being garnished because of no payments. Tried many times to set up an affordable payment plan. Couldn't connect with NELNET services on line or phone. I sent letters trying to get lower payments or forgiveness and tried to reach out to other services for information. Unfortunately it's difficult to determine which is real versus a scam to get personal information. The school I attended lost it's credibility and now my degree is worthless so I feel like give them money back is a ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am a victim of Identity theft. Upon checking my credit report on XX/XX/2019 I noticed that Nissan motor Acceptance is listed as a dad debt on my credit report with the amount of {$19000.00} I have never owned or leases or signed any documentation to this company in my life. I recently filed a identity theft report and submitted all documentation to Nissan motor acceptance and all three credit bureaus XXXX XXXX and XXXX. On XX/XX/2019 I recieved a letter from XXXX notifying me that Nissan motor acceptance did an investigation and the account was added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota financial services received refund from service contract cancellation in the amount of {$1600.00} on XX/XX/XXXX. The monthly payment for the car was {$330.00}. TFS applied {$1600.00} towards principal and reported 30d late on XX/XX/XXXX. 

Signed contract does not show terms regarding service contract cancellations. Customer was under informed and had no chance to know that service contract cancellation refund will not be applied towards monthly payment. Please follow signed terms of a contract. 

TFS informed customer that payment will be applied towards principal after 30d late mark was already reported ( as per conversation with TFS representative on XX/XX/XXXX ). There was no information given to customer prior reporting 30d late that a service contract cancellation refund will not be applied towards monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: TX

Complaint narrative:
Experian is reporting incorrectly a closed account with a balance due of {$2500.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I have never had an account with XXXX. I did not apply for a card and I did not authorize any cards be opened in my name. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item, however I have not been successful.

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 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I have been paying a debt over the phone. They told me multiple times after one of the balances was paid I would be able to pay online. Now they are saying that is incorrect. I have Never received anything with account balances, original debtors, or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Society Business Services, Inc.
State: NM

Complaint narrative:
I have disputed this erroneous medical debt to the three  major credit bureaus. This debt collection agency has validated this debt three  times. They are claiming I owe {$450.00} and have it listed on my credit reports as a collection. " Bureau of Med ECONS XXXX '' Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX ( XXXX ) XXXX I have sent them a notice of dispute of debt and request of method of verification without response. 
I have perfect credit with the exception of this erroneous collection account that is not mine. 
I did a dispute with all three credit bureaus and even placed a fraud alert on my report over this. 
I want this collection debt removed from my reports and I want proof of ID they have on file and all other forms of verification where they are staying this is my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Dear Sir : I am writing to you out of desperation. On XXXX of this year, the company XXXX, the company name for Shell Point Mortgage purchased my mortgage from now defunct XXXX. The only problem is that I was not informed of the change until XXXX. I received my formal welcome in XXXX after one employee did admit that there were multiple issues with the welcome letters due to the volume of now mortgages. I made my payment on time to XXXX in XXXX and proved to Shell Point with a bank receipt that I did so.Shell Point is insisting that XXXX send it back but can provide no proof that they did. Instead they are forcing me to provide multiple month statements of my bank records as if I did something wrong. I do not have anything to hide but I do believe that my privacy overrules the companies lack of evidence and acting like a bully. I am not applying for a mortgage but the company is insisting that I must provide more information. In the months that followed, My credit rating was demolished and attempts to purchase other rental properties were unsuccessful due to my new low rating. I made multiple attempts to contact XXXX XXXX with both phone calls and emails and the results were not positive. Multiple robocalls, with some on vacation even though I did not release my phone and in XXXX instance I was threatened by a by a XXXX XXXX to hold my credit rating hostage until I provide this information.I sent an email pleading that I am not a litigious person and wished to only to correct my credit rating and ask for a copy of the receipt from XXXX showing that they returned my XXXX payment. I have talked to two different lawyers that all agree that your company is treating me unfairly but that the legal costs would out-way correcting this issue. My request is simple, could they please review their company 's actions, send a copy of the returned payment from XXXX, and repair my credit rating.I am at my end

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation