vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Neuheisel Law Firm, P.C.
State: AZ

Complaint narrative:
None of the categories provided by the CFPB for initial input of my complaint suited the particular facts of my complaint. The specifics are : I was sued by law firm for Plaintiff to collect on debt incurred by my ex-husband. They obtained judgment against me in the amount of {$1800.00} plus interest and costs. I have been making payments at {$100.00} per month beginning in XXXX, 2016. Nearing the end of payments I reached out to pay the balance by credit card calling numbers provided on pleadings related to the judgment and on their website ( XXXX XXXX XXXX ) over multiple days. I also left several messages but never received a call back to this date. I sent a letter with 2 months worth of payments ( {$200.00} - which still has not cleared the bank ) and a letter requesting they provide me with the balance owing so I could pay it in full. I calculate I owed about {$280.00} at that time. People who owe them money are going to have difficulty paying their debt if there is no way to contact them but by snail mail and there is no way to pay the debt other than check and the resources they references they provided on their website are not functioning. I am concerned that they are trying to extend or expand the amount I owe by not accepting final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I rented a house with 3 other individuals from XXXX XXXX XXXX in XXXX, CA in the year XXXX, 2 of the roomates left before the lease was up so I was forced to leave because I could not pay the rent alone with the 1 roomate who was left. I made several attempts to contact property management to explain what happened and return the keys. We ended up going to court with the company after they " evicted '' us, although neither of us were no longer living at the property, we explained what happened to the judge he told the property manager to go to the house and make sure the house was not damaged. We returned to court a second time, the property manager reported the house was in good condition and he dropped the law suit without prejudice. Months later I am being charged for over {$10000.00} in damages to the home. I tried resolving the problem with the original company and they claim to not have my file and neither do their corporate office. I then went straight to XXXX and sent my supporting court documents of the results of the case and they were able to remove the collection. I attempted to also dispute with XXXX but they are claiming they can not do anything, that I need to have the company remove it from my credit report, even though i explained to XXXX that I have already made numerous attempts to do so with no success. I am at a loss of what options i have left to remove this from my credit. Thank you for your time.

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 2017-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
BMW Financial Services Account opened in XXXX at payment of $ XXXX60 months. 

In XXXX of XX/XX/XXXXaccount was at 60 days past due and facing repossession. Requested deferments to get account back on track but was denied. Vehicle was recovered in XX/XX/XXXX by BMW Financial and sold at auction. Total deficiency balance was {$2100.00} The {$2100.00} balance had shown as recent as XX/XX/XXXX on my credit. After that, the entire line item disappeared with no trace of BMW Financial ever occurring. There was no amount being reported and furthermore, no payment history whatsoever of any sort. On XXXX XXXX, a check in the amount of {$470.00} was issued to me with a reason of " miscellaneous. '' As of today I have spoken with a Sr. Recovery Agent at BMW Financial who informed me that the {$470.00} was for over payment. When questioning this as to why I would receive a check back if I still owed anything, I was told that a recent internal audit had determined that my account may not have been handled in accordance with all laws and in order to prevent anything in the future, BMW Financial went through the motions of removing all trade lines from my credit profile as well as to post a credit to my account in the amount of +/- {$2600.00} resulting in me receiving refund of {$470.00}. When asking for further information in regards to the accounting errors found in the audit, I was informed that I was not entitled to anymore information. When questioning why the line item was removed from my credit report, I was told that BMW Financial is not required to report to any of the credit bureaus. Furthermore I was told that I should be grateful BMW has not reported anything whatsoever on my credit going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I HAPPENED TO LOOK ATT MY CREDIT REPORT AND SAW SEVERAL COLLECTION ACCOUNTS FROM XXXX XXXX XXXX. THEY NEVER SENT ME A NOTIFICATION OR ANYTHING. THEY JUST PUT ALL OF THESE COLLECTIONS ON MY CREDIT. I HAVE NOT GONE TO AN EMERGENCY ROOM IN OVER FOUR YEARS, AND MY INSURANCE PAID IT WITH MY DEDUCTABLE BEING PAID. SOME OF THE ACCOUNTS FROM XXXX XXXX  IS DUPLICATED. I SENT FOR VALIDATION IF THE DEBTS AND THEY IGNORE ME AND DO N'T RESPOND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been trying to get this resolved for some time now. I did file a previous compliant and what AMEX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to Amex please see the attached email from AMERICAN EXPRESS. It was paid to them XX/XX/XXXX 2nd If  the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: ID Analytics, Inc.
State: LA

Complaint narrative:
On XXXX XXXX, an Auto dealership ran our credit to finance a new wehicle, I asked the dealership not to run our credit more than once, and only to a bank we have done business with for many years. But instead they ran it through XXXX different banks, My husband and I have been married almost 30 years and have excellent long term credit and have only lived in 2 locations. Anyway, we received 4 letters from different banks denying our credit, but one of them stood out because it has an agency listed on it we have never heard of, SageStream , LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. They stated no score for my husband and one over 200 points lower than my actual score and stated, 1. limited history for consumer at address or phone ( present add. 11 1/2 yrs, same ph. # for same. 
2.limited credit history 3. Proportion of satisfactory trades too low??? 
THERE NEEDS TO BE ONLY ONE CREDIT REPORTING AGENCY

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 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Date-XX/X/2017 Amount- {$150.00} Company- XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-Paypal Client # XXXX XXXX Account # XXXX Amount Owed {$150.00} Sent this notice that the records of PayPal Inc show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted PayPal and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe PayPal any money and they have no record of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: SC

Complaint narrative:
There is a mortgage listed through Ditech # XXXX which should not be listed as profit and loss and that I owe. The home burned down and insurance coverage was on this home which paid. This needs to be removed it is false

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: VA

Complaint narrative:
I am submitting my complaint as my original inquiry was not addressed. CFPB dispute case # XXXX. 

Equifax simply repeated the same information they have been telling me since XX/XX/XXXX. When I mention that to them they tell me it is the creditors fault. Since there is more than one, I know that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and Transunion for {$530.00} form XXXX XXXX XXXX on XXXX XXXX,2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible

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 2017-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC
State: IN

Complaint narrative:
XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time XXXX XXXX XXXX and I have been unable to come up with an agreement on the account. 

Respectfully, XXXX XXXX XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX- Asset Recover Solutions declined to accept my offer 2- XX/XX/XXXX, I  spoke with Asset Recovery Solutions and XXXX XXXX @ ext XXXX XXXX Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}.
I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I paid off a credi card within the allowed time. I was then charged interest after the card was paid off. I called the the Bank which refused to remove the interest change even thought the account had been paid off by the date their were charding 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 2017-11-16 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I called XXXX to try and get XXXX hard inquiry off my credit report. They told me they was n't able to help me. I explain that I hard to hard inquiry that was 2 years old. Gave  them dates on both. XXXX inquiry was XXXX on XX/XX/XXXX. XXXX inquiry was XXXX XXXX on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2017-11-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Retail Card XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo was the servicer of our mortgage until the first of this year, when they transferred the servicing to XXXX XXXX XXXX. When we started receiving statements from XXXX it was clear that XXXX 's accounting was incorrect regarding the principal balance. We spent countless hours with XXXX trying to correct the errors, only to come to the conclusion that they really couldnt make sense of the mortgage history they adopted from wells fargo and referred everything back to Wells Fargo. On XXXX XXXX, 2017, i requested a mortgage history from Wells, and am still waiting for that, after many calls and requests. They say they are working on it, but in the mean time i have missed the selling season on the house and have incurred much XXXX and other damages.

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 2017-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Centron Services
State: MT

Complaint narrative:
I spoke to a representive for centron Services about a levy put on my savings account. This person claimed he needed to call the processing center to see if the amount had been charged before he could talk about settling. The person from centron Services called me back stating the money had not been taken out of my checking account via the levy so I could pay them out of my checking account to settle for a lower amount. This was on XXXX/XXXX/XXXX. The representative stated that if I gave him the checking account information to process the settlement they would release the writ levy on my savings account. They charged the settlement amount to my checking account and continued to process the savings account levy which totals more than the debt that is owed and was misleading. I called to try and fix the situation and was told I would be refunded the amount that was not owed. The letter attached shows the amount that original levy was to be removed from my savings account, The photo of my checking account shows record of the amount that was processed for my checking account which totals more than the debt ever owed. I told the representative this was illegal to charge more than owed and she told me it was not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I received a phone call regarding a debt to XXXX XXXX over the phone. I notified the caller that I did not receive proof of a debt owed and I closed the account in XXXX or XXXX of 2017 for disruptive cable and internet service. The items in question ( Cable boxes and modems ) were returned upon request from XXXX XXXX, which reflected the amount in question. I presented proof of same to the collection agency Sunrise and my attorney sent the collection agency ( Sunrise ) a letter also requesting proof of the debt. 

The Collection agency violated my rights under federal law and NY State law by placing a collection on my credit report for {$350.00} without providing proof of the debt. To date, I have not received proof of any debt nor have my attorney received a response from a letter sent to Sunrise Credit collection clearly stating the debt in question was invalid. I am requesting an immediate correction on my credit report or I will start litigation for damages in Supreme Court.

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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a $ XXXX revolving account with XXXX XXXX. Experian is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to Experian but they are not reporting it.

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 2017-11-16 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: CA

Complaint narrative:
I am a victim of identity theft. Someone stole my personal identification information and opened fraudulent accounts. They are : XXXX XXXX XXXX XXXX and XXXX XXXX. I filed a police report with XXXX Police Department ( police report no : XXXX ) and sent that document to XXXX, XXXX, and Equifax asking to block and removed these fraudulent accounts. XXXX and XXXX blocked the fraudulent accounts, but Equifax refuse to block fraudulent account. I called to Equifax fraud department many times and no one could help me to resolve this problem.

Company response to consumer: Closed with explanation