vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
This has been my second attempt at trying to get this issue resolved. I filed a complaint about LCA ( Lanier Collections Agency ) having a {$140.00} negative collections item on my credit report. I did not owe this debt due to my insurance coverage at the time of services. LCA was informed that I had coverage with t providers. They advised that it was not up to them nor the original creditor to file with both providers, but that is inaccurate. It was the providers ' responsibility to bill both providers. 
On XX/XX/19 I contacted XXXX XXXX XXXX, now XXXX XXXX, and they advised that this bill is NO LONGER owed by me, and that they emailed LCA advising them that item should be removed from my credit profile prior to our conversation. XXXX   also advised they would email LCA again on XX/XX/19. I did a follow up call on XX/XX/19 with LCA and the rep advised me that XXXX had more than likely made a mistake, and that the charge was still valid and that they had to investigate. My reply was that if they had an email confirming that the debt was not owed by the original debtor why would they not remove the item. The rep did not have an answer ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Good day! 
We would like to ask for your help to expedite the short sale approval for this property. We have been working with this file since XXXX but until now we are just getting back and forth and SPS will always find ways to extend the time of review. We really don't know why it takes time for them to approve because the value of the property is at {$80000.00} and our sales offer is {$83000.00} which is higher than the value of the property. 

We hope to get the approval letter this week. I also escalated this to their ombudsman dept. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/WAL-MART is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with SYNCB/WAL-MART. I have never received any correspondence from SYNCB/WAL-MART stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with SYNCB/WAL-MART for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that SYNCB/WAL-MART owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. SYNCB/WAL-MART refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. SYNCB/WAL-MART is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure SYNCB/WAL-MART understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. SYNCB/WAL-MART even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in SYNCB/WAL-MART 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

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 2019-03-20 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: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I NEVER HAD XXXX  AT MY ADDRESS AND THIS ACCOUNT WAS STARTED BY SOMEONE OTHER THAN MYSELF USING INFORMATION THEY PROBABLY OBTAINED FROM THE DOCUMENTATION AND IDENTITY AND CREDENTIALS THAT WERE IN MY VEHICLE THAT WAS AUCTIONED OFF. 

THIS WAS REPORTED TO AND UNDER INVESTIGATION BY THE UNITED STATES POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISIONS, MANAGER XXXX XXXX OF THE US POSTAL INSPECTION SERVICE AND POLICE. 

THIS ACCOUNT WAS REPORTED OPENED ON XX/XX/2018 ON XXXX CREDIT REPORT # XXXX, WHICH IS VERY UNLIKELY TO BE ME WHO OPENED THE ACCOUNT AS I WAS NOT EVEN IN THE UNITED STATES DURING THAT TIME. 

AS SUCH, PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT IS HURTING MY ABILITY TO APPLY FOR CREDIT PRODUCTS AND EMPLOYMENT WITH THIS COLLECTION ITEM SHOWING ON MY CREDIT REPORT. 

A COMPLAINT ABOUT INACCURATE REPORTING HAS BEEN FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU REGARDING XXXX  AND DIVERSIFIED CONSULTANTS INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
10 years ago we moved ( and none of my mail was forwarded on ) and my ( store related ) credit card was sold off to a debt collector. They called me, I paid it immediately, the card was canceled immediately. My husband began receiving phone calls with personal information saying I owed over {$300.00}. He has told them I no longer possess that card or owe that debt. They are still calling and claiming I owe the money. I do not retain paperwork from 10 years ago, so unfortunately I have no proof. THIS IS A SCAM. 

XXXX ( a XXXX XXXX phone # XXXX XXXX XXXX XXXX XXXX, GA working on behalf of XXXX XXXX and Associates My information was sold to them on behalf of XXXX 's. I highly recommend not taking out a line of credit from a store. They will claim no responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
LoanCare has gone out of it's way to perpetuate an increased delinquency in my account for no reason. 
In early XX/XX/2018 I lost my job for a short period of time. I called LoanCare, they claimed to want to work with me. Because I had fallen behind they locked my online access to my account, I called repeatedly requesting my monthly statements be mailed to me. I never received them! When I returned back to work in XX/XX/XXXX I began making weekly payments. All of the sudden in XX/XX/XXXX I get a statement telling me I'm in danger of going into foreclosure for non payment. All the weekly payments I had been making were placed in my escrow account. I was never notified that this was happening. I called on several more occasions requesting how to have my payments re-allocated. I was told by 3 individuals to email the customer service department and they would be able to help me. I received nothing more than the standard email acknowledging the receipt of my email request. No matter how many times I called for an update, I got told I submitted my email request incorrectly. Finally after the third attempt I was told that it is IMPOSSIBLE for my payments to be reapplied and furthermore there was no money left in the account after all the charged fees had been removed. I have had over {$4000.00} in fees removed from my escrow for lawyers, appraisals and court fees without my approval or knowledge!! My last 2 payments for the year were accepted as full payments but put into a suspense account due to them placing my account on a hold causing my account to show no payments for 6 months. I had {$14000.00} in payments withdrawn from my account on {$16000.00} in mortgage payments due for the whole year. Yet, my account has been put into foreclosure, my credit is ruined and the only conversation they are willing to have with me is to do a loan modification. They will not provide for me a detailed payment application file. 
I filed the modification paperwork because I really didn't have a choice. While I was waiting on the approval/denial I received a letter stating that I had over $ 4K in overage in my escrow account but they were refusing to send it back to me due to my account being delinquent. 
It was deemed that I qualified for a loan modification, however they want to jump my interest rate from 4 % to 4.875 % which causes my payment to increase {$130.00} a month and add over $ 9K to the back of my loan. I can't afford that! I have yet to receive the requested payment receipt report from them to match against my records. No one is willing to give me a straight answer as to why my payments were allocated the way they were and why my account was placed into foreclosure.

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 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
ONEMAIN is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with ONEMAIN. I have never received any correspondence from ONEMAIN stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with ONEMAIN for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that ONEMAIN owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. ONEMAIN refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. ONEMAIN is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure ONEMAIN understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. ONEMAIN even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in ONEMAIN 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: WI

Complaint narrative:
ThereisnoevidenceofthevalidityoftheXXXXtransactions.CharlesSchwabmadethisdecisionpurelyoncircumstantialevidence.ThevendorfortheXXXXchargecannotbecontactedtoprovideproofofthetransaction,suchasasignatureauthorizationonareceiptthereforethistransactionisunauthorizedandfraudulent.CharlesSchwabstaffpresumptuouslyallegedthiswasrelatedtoagentlemansclub.

AccordingtotheFederalTradeCommission,Ifsomeonemakesunauthorizedtransactionswithyourdebitcardnumber,butyourcardisnotlost,youarenotliableforthosetransactionsifyoureportthemwithin60daysofyourstatementbeingsenttoyou.

ItookallnecessaryactionpursuanttofederallawandCharlesSchwabpolicytocomplywithreportingandcontactedCharlesSchwabimmediatelyafteridentifyingtheidentitytheftandfraudulentactivity.CharlesSchwabhasaresponsibilitytoreplacethelostfunds.

XX/XX/2018XXXXXXXXXXXX,#XXXX{$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This is 2nd complaint. The credit co. Will not change my name to my correct legal name or remove addresses that are not mine. I have supplied soc. Sec card x 2 and state id x 2. These incorrect names need to be removed immediately.

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 2019-03-20 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: MD

Complaint narrative:
On XX/XX/2019, I sent a letter via facsimile to Sunrise Credit Services , Inc. in order to obtain written validation of the debt they are attempting to collect based upon a phone call I received from one of their employees and the derogatory information noted on my credit report. 

On XX/XX/2019, XXXX XXXX, an employee of Sunrise Credit Services , Inc. contacted me via telephone regarding this disputed debt, and I explained to XXXX XXXX that I sent a written request and I am waiting for her company to validate the debt. XXXX XXXX acknowledged that Sunrise Credit Services , Inc. had received my written request, and then stated that the company does not provide written validations only validations over the phone. XXXX XXXX then quickly placed me on hold and then stated that she would need to transfer me to her team leader. 

I was transferred to a XXXX XXXX who stated she was a team leader. I said to XXXX XXXX that I had sent a written validation request of the debt. She also acknowledged that my written request had been received, reviewed their files, and then stated that the company they are collecting the debt for has said that it is a valid debt. I asked XXXX XXXX when I could expect to receive the written validation to which she stated that her company does not provide written validation of debts. What she said over the phone is the validation of the debt. I then stated to XXXX XXXX, that I don't handle this type of business over the phone because I deal with paper, meaning I like to have written requests for my files. Because I refused to discuss the debt without having written validation of the debt, XXXX XXXX then stated that she will mark my file as refusing to pay the debt and ended the call.

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 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I tried to open an account online with M & T Bank on approximately XX/XX/2019. After going through the various information input screens the last was funding the account, the account required a {$50.00} initial deposit but I continued to get an error when putting in my information to fund the account both with a debit card or an ACH from another account. I waited the recommended 24 hours before trying to set up the online banking log in so that I could fund the account, I received multiple error messages here and was not allowed to enroll when using my account number and information to set up. The other option to enroll in online banking per the website was to enter your debit card number, I waited approximately a week to 10 days before receiving the debit card. I went online at that time to enroll in online banking and fund the account, again error messages and was not allowed to set up. The bank sent me a letter a few weeks after opening requesting that I mail them a copy of my social security card and proof of my residence with a bill in order to finalize opening my account and allow enrollment in online banking. I am absolutely not going to mail a copy of my social security number. I ignored the letter and gave up on attempting to fund or open this account, I started an account with XXXX XXXX XXXX instead. On XX/XX/XXXX I received a letter from M & T Bank showing my account balance as - {$14.00}. They were charging a monthly maintenance fee for the account I attempted to open and could never fund. I called customer service on XX/XX/2019 and spoke to the representative telling him the fact pattern above and requesting that he close the account, he responded that because it was an online account he couldn't close this out until I paid {$14.00} to bring the account to {$0.00} and then paid a {$50.00} early termination fee. I requested to speak with his manager. When I told the manager about the sequence of events above she said that because I had not mailed my social security card and proof of address they had not finalized opening my account, that is why I wasn't able to fund it or set up online banking. I asked her to close the account, she said she could not close the account because it had a negative balance of - {$14.00} which was the monthly maintenance fee and that there was an early termination fee as well of {$50.00}. I told her that I never funded the account, because they would not let me, I never spent a dollar or even activated the debit card, she said I would have to write a letter to her back office in order to close the account and that I would need to pay {$64.00}. To which I told her I will not be paying and I will be filing a complaint with the CFPB, she said go ahead, and so here I am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Company is using a " spoofer '' to simulate calls from my area code. I get continuous calls at home and AT WORK from local, spoofed numbers. I DO NOT have business with this company, have NEVER contracted with this company and have NEVER agreed to any conditions of payment, contract or otherwise. I've told them to stop calling. I can't block the number because they call from a different call back every time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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 have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.

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 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
In XX/XX/2018 We purchased counter tops from XXXX XXXX with our USAA checking account in the amount of {$980.00}. When we received the counters they were severely damaged by one of the workers with their forklift. The countertops had to be reordered resulting in us having to pay our contractors extra for canceling and rescheduling the job of install. 

When they finally got the new counters to us we realized that the counters were in horrible shape. They were cracked, and warped. We contacted XXXX XXXX back and wanted to return them as they were in horrible shape. XXXX refused to do any type of refund. They told us they do not warranty them and will not return them. The installing contractor had to spend several hours trying to repair them. 

We contacted our bank USAA hoping that they would protect their members and help us recover our losses. USAA gave us a provisional credit for the counters but after " investigating '' ( which they didnt do ) they took the credit back. Said that they were siding with XXXX XXXX. Now they have closed our checking account with a negative balance because we had to pay that money to the contractor for new counters. 

USAA didnt protect our money from fraudulent and unjust products! 

*I can not provide letters due to my account being closed. USAA will not allow access of accounts.

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