vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AR

Complaint narrative:
Afni   XXXX   XXXX   XXXX   il   XXXX     reporting a   XXXX   XXXX   XXXX   account from  XX/XX/XXXX 2016 to  XXXX  no account in 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: KY

Complaint narrative:
I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.       XXXX     XXXX   XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America withdrew {$910.00} from my account on    XXXX / XXXX /17   claiming that   XXXX   XXXX   had contacted them and stating that the check had been presented twice - once to mobile deposit and once to  XXXX . I did not cash any check at  XXXX . BoA refused to provide me with any additional details such as the date of the transaction, etc. They told me they mailed me a letter and that I should take it up with   XXXX   XXXX  . I then contacted   XXXX   XXXX    (  as did the party who issued the check to me ).  XXXX  conducted and investigation and determined that the check was only negotiated ONCE. To Bank of America. They had absolutely no record or contact BoA nor of the check being used at  XXXX . They offered to speak to BoA to clear the matter up.     I then contacted BoA again who suddenly claimed that   XXXX   XXXX   had nothing to do with it. They claimed that i had deposited the check once by ATM and once via mobile deposit. Again, utterly untrue. Actually, i accidentally deposited the check twice via mobile deposit. The first time i tried, it did not appear to go through ; I deposited the check again and later got  XXXX  confirmations. However, the money was only deposited a single time into my account so there would be no reason to later withdraw it. They supposedly launched an investigation to reapply the funds to my account. They assured me that i would hear back by yesterday. I did not, of course.     I then called them to follow up on the return of my funds, and this time they were back to claiming that it was negotiated at  XXXX . The person I spoke to -  XXXX  - was a complete  moron and  was utterly unhelpful. His suggestion was to have the party write me another check. But the money was never returned to her. And   XXXX   XXXX   claims it was not returned to them. Basically, BoA withdrew funds and send them ... ... who knows? Again, they refused to provide me with any proof that the funds had been used at  XXXX , and they refused to discuss it with   XXXX   XXXX    ( th e bank the check was issued from ).     They no refuse to help me in any way and refuse to provide me with proof the funds were used somewhere else. At this point, i consider this straight up theft, and I intend to contact the police as well as the Attorney General if the funds are not returned immediately with 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 2017-05-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed  XXXX  with   XXXX   several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX   continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I believe  XXXX  is trying to re age the debt.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Clarity Services
State: AL

Complaint narrative:
I have received an unsolicited check from a loan company called "  XXXX   XXXX  '', and the check is connected to a form provided by a credit rating company named " Clarity Services '', and instructions are provided for opting out, and I did call the number provided,  XXXX , and I talked with someone there who got my name, date of birth, phone number, etc., but she wanted my Social Security number as well. Apparently my Social Security number is floating all over the financial world attached to my credit rating, and the only way to stop this avalanche of unwanted, unsolicited offers for loans is to provide my Social Security number. I have been warned countless times not to give my Social Security number to people on the phone or in writing without a very good reason. I asked to speak to a supervisor,  XXXX , I think his name was, and he explained that the only way they could confirm that I am the person making this request was to provide my Social Security number. I do not want to get these offers for loans. If I ever needed a loan, which I believe is unlikely, I would go to my federal credit union, not  one of  these loan companies which send out {$900.00} checks to any and all. Is there no other recourse for people like me who do not want these credit rating companies sharing my information all over the place? Must I give them my Social Security number in order to opt out?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On  XXXX   XXXX , I made a    XXXX   XXXX    payment of {$68.00}. {$58.00} of that was to be applied to my  Capital One  Credit Card. To date, the money has still not been applied to my credit card and I want it applied.     I then rented a car from  XXXX  on Thursday,  XXXX   XXXX ,   XXXX  . I was informed that a deposit would be needed of {$66.00} because it was a premium vehicle. I agreed and my pending charges were {$390.00} which included the {$66.00} plus the amount of the rental of {$330.00}.  XXXX  was paid the {$330.00}, however, there remains a pending balance on my  Capital One card of { $66.00}. When I spoke to  XXXX , they informed me that they had removed the pending transactions and had been paid {$330.00} and was not keeping the refund ; however,  Capital One  states that  XXXX  needs to release the money.     I just want my {$58.00} added to my Cap ital One  card because it was a payment made through  XXXX   XXXX  to be applied to my card and I just want my refund returned to me of {$66.00} by  XXXX  or Capita l One but I  want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Back in  XXXX     2017 I requ ested " VALIDATION '' of this debt that  Portfolio Recovery Associates  says I owe. Since I have been disputing this debt and going back and forth with CFPB, and the  Credit Reporting Agencies, I decided that it was time t o reach out to the attorney general 's office regarding this debt before filing a lawsuit. Once again I requested back in   XXXX   for validation/contract which I have NEVER received. Upon checking my report a few weeks ago to be exact  on    XXXX   XXXX  2017     Portfolio Recovery Associates  was removed from  XXXX . I checked my report on   XXXX   XXXX    2017 and it w as added back onto my credit report. I never received  a Dunning Letter. Since Portfolio Recovery Associates states that this debt b elongs to me I demand them to release the transcripts of the quality assurance tapes along with a notarized letter signed by a notary proving the authenticity of the transcripts and that they were not altered.  Portfolio Recovery Associates and the creditor I would like   ALL conversations between their agenst and I regarding this debt they say I owe to confirm differing amounts owed/paid/attempting to collect. Failure to produce these documents constitute collection agency fraud. Please see the attach paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
About my Bankruptcy how did they receive my information because bankruptcy do not give that information to the credit bureau

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 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I received court documents, from  Debt Atty. Pressler & Pressler, that I a m being sued for a balance owed to   XXXX   XXXX   XXXX .   XXXX     XXXX  provided them with  XXXX  statements dated  XXXX , and both had handwritten balances.     I have contacted   XXXX   XXXX   XXXX , at  XXXX  different phone numbers, for which I was told they could n't find my account.   
I have also provided a detailed letter to Pressler & Pressler, explaining that the informatio  n on those  XXXX  statements are not accurate.   The first account, shows a handwritten balance of {$10.00} with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicated a final payment in the amount of {$25.00} was made on  XXXX   XXXX ,  XXXX . According to my calucations, this was an overpayment of {$14.00}.   The second account shows a handwritten balance of {$780.00}, with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicatin g 13  payments were made since that date with the latest being  XXXX   XXXX ,  XXXX .   Since no one seems to be able to find my account, and the attorney 's office if going by false information, I have major concerns as to where my payments were actually being applied. In addition, I have not received a statement or an itemized bill in approximately 2 years, but yet I keep making monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear CFPB : My client  XXXX   XXXX  has been trying to modify his home for  XXXX  years. Accumulation during that time is in excess of {$100000.00} in payments during this ; Prior to   XXXX   numerous issues plagued his ability to get modify including judgments against his home and his inability to deposit his income for fear that the judgment creditors would seize his bank accounts. In an effort to resolve this matter. The client filed for bankruptcy, made a motion to relieve the home from judgment creditors both which were granted. In addition he has saved {$30000.00} to put towards any arrears and submitted the modification again . Wells Fargo  has refused to process this modification stating that there is no change in circumstance ; I believe discharge in bankruptcy, showing all income via bank deposits and a contribution of {$30000.00} is more than a change of circumstance.

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 2017-05-09 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: PCR Group
State: TX

Complaint narrative:
I have pulled my credit report and  Account Adjustment Bureau is reporting infor  mation  on all  XXXX  major bureaus and is not bonded in the  State  of Texas to collect a debt. I have contacted them in hopes to resolve the issue by removing the negative information from my credit file. They refused and I advised that they are not bonded to do business in Texas. The representative advised they did not need to be and ended the call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Med-1 Solutions, LLC
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I had a procedure performed at  XXXX   XXXX  in  XXXX  Ohio in late  XXXX  of  2016.   I offered to pay the bill at the time and I was told that I did n't need to at the time because I have insurance. The next month we moved to a new temporary address as our home was sold and we were waiting for our new home to be built. We had our mail forwarded properly with th e USPS  with each move. We never received anything from  XXXX   XXXX . In  XXXX  of  XXXX  I received a phone call from a collection agency named  Choice Recovery. I told the collector that I never re ceived or a bill or a phone call about the bill. I immediately contacted  XXXX   XXXX  and paid the bill over the phone. In  XXXX  of  XXXX  I received a collection notice form  Choice Recovery  that I owed them a collection fee. I never received the bill, yet I was expected to pay a collection fee. The office  manager  at  XXXX   XXXX  refused to take or return my calls. I recently applied for a loan and had to pay higher interest because  XXXX   XXXX  has placed late and collection fees on my credit report throu gh Choice Recovery. The   same debt is on my credit report 2 times. I am certain this is a violation of the FCRA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Shell/Citiban k CBNA    #  XXXX  Account closed by  Shell ,  Paid, Never Late, Perfect payment history Last paymen t  XX/XX/XXXX  Delete date for CRA was  XX/XX/XXXX .      Please delete from CRA record.

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 2017-05-09 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: MD

Complaint narrative:
I disputed  XXXX  accounts which came back verified without any verification sent to me in the mail showing any kind of contracts with the people who placed the accounts on my credit which are  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  My contracts were cancelled with them Over 30 days ago I also disputed inquires on my report in which I did not authorize I contacted the companies and they stated that they did not have a way to remove the inquires because I do not have an established account with them  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX  So I am filing a complaint again asking for the same thing once again

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 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collections i n  XXXX   MS..  XXXX   hospital     {$210.00} ... informed her that I could n't pay until later thus month and she told me that they needed a payment this week, that they could n't hold it any longer. Then she asked me for my address. So I hung up. Next representative was rude as well and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   Synovus Bank. customer service  XXXX  Dispute resolution department  XXXX .   I disputed  XXXX  fraudulent charges on my credit card statement  four  times.  XXXX / XXXX /   17,   XXXX / XXXX /   17,   XXXX / XXXX  /17 and   XXXX / XXXX /   17. Th e amount of the  XXXX  charges is {$80.00}.  Synovus s aid the dates of the transactions are outside of the dispute time-frame and will not refund the disputed fraudulent amount, which I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: LoanCare, LLC
State: FL

Complaint narrative:
Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost 6 months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by 30 days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within 90 days. I need this resolved as this is the only adverse information on my account and I need to refinance.

Company response to consumer: Closed with explanation