vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I have called the collection agency on several attempts Ive asked to know the dates for the services they say I received and they do not know Ive explained that I have never gone to XXXX XXXX especially not in XXXX as it says on my credit report I have no idea why XXXX XXXX did not bill me directly if in fact I did receive services from them plus the collection agency is reporting the same claim in 4 different collections making my credit report have 4 derogatory marks Ive also told the collection company that I am dually insured  and never have to pay any balance for any medical service because I have ppo insurance with XXXX by XXXX XXXXXXXX XXXX of XXXX Illinois fund and full Medicare Plus for any services that are not in a hospital require a claim form to be filled for specialty services So I would have received a letter from my insurance to fill out for this claim which I have not or if I had to go to this certain imaging company on my doctors referral I would have called my insurance to advise them that my doctor made the referral and faxed my insurance the referral for them to fill claim form so that I would be covered beforehand and not have to wait for a bill then fill the claim form I never received any bill from XXXX XXXX They continue calling and calling after Ive made several tries to have this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus XXXX XXXX, Equifax, and XXXX. Please see attached complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Optimum Outcomes, Inc.
State: TX

Complaint narrative:
Optimum outcomes inc robicalled at XXXX on XX/XX/2018. When going through the prompts the voicemail for the number transferred to is full, they have called numerous times Day and night all robocalls with no way to contact anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In 2013 Wells Fargo foreclosure on my house at XXXX XXXX XXXX XXXX XXXX pa XXXX What I need from Wells Fargo is documentation of the foreclosure and eviction for my records the loan number is XXXX. Please try to get this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My card was charged {$38.00} by XXXX XXXX, XXXX XXXX branch fraudulently and 53 bank did not redeposit that amount like their representative told me during our conversation. Instead, an additional ( and magical ) {$1.00} appeared in my checking account the next day. So, I am assuming that its the bank that has done the fraud and not the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Back in XX/XX/XXXX my wife and I decided to trade-in our XXXX XXXX XXXX Coupe Vehicle and get a XXXX XXXX XXXX Lease Contract. 

We drove it until XX/XX/XXXX and decided we were paying to much for the car and the car insurance when I was not using the car as often because my new job at the time was in the city and I took public transportation to get to work ( The car was literally parked 5 days a week ). My wife and I decided to return the vehicle still in NEW condition. 

I was told because it was relatively new, I after they send it to an Auction, I was more likely to pay a small amount back, due to the condition of the vehicle. 

After a few months we notice XXXX XXXX decided to notify us that we still owe {$17000.00} which I believe is too high, considering the vehicle is a XXXX vehicle and is in great condition. To make matters worse, I was forced to re-signed at the job I had and was unable to pay that Debt and now they affected my wife and my credit score for not being able to pay that huge amount, for a car we barely used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/2018, I notice that a company named Ad Astra was reporting a collecting debt in the amount of {$1800.00} on my credit reports. It was unlawfully reporting I owed this amount via XXXX XXXX out of XXXX, KS. 

I disputed with each credit reporting bureau that this debt not mine. 

I also wrote to Ad Astra requesting the following in order to properly and lawfully validate this alleged debt : 1. Complete payment history, the requirement of which has been established via XXXX vs.XXXX  and 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

3. Letter of sale or assignment from the original creditor to Ad Astra. ( Agreement with XXXX XXXX ), that grants you the authority to collect on this alleged debt. ) 4. Intimate knowledge of the creation of the debt by you, the collection agency Ad Astra never returned a response to my letter, and all credit bureaus reported back that Ad Astra unlawfully verified the debt was mine. 

I sent another dispute to the credit bureau in XX/XX/2018 after getting an alert from my credit monitor that Ad Adstra was still reporting on my credit reports. Again, I stated that the debt was not mine and to remove the account from my credit reports. They returned the dispute that Ad Astra verified the collection account as mine and the account has unlawfully stayed on my credit report. 

Also in XX/XX/2018, I resent my request for validation letter to Ad Adstra, only to receive a 1 page letter from them dated XX/XX/2018 that stated " they reviewed the account file with our client and determined that the facts in reference to this debt are consistent with the information provided by our client. '' There was no documentation as I requested, to support that this debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
In XX/XX/2018, I submitted a letter to Ability Recovery Services LLC, offering full payment with conditions to be met ( See attachments ). The company agreed to the conditions and an agreement was entered into. I submitted full payment, however, the company did not honor its end of the signed and dated agreement in regards to XXXX. I have attempted to contact the company on two separate occasions after I submitted full payment via certified mail, which the company received each post-followup letter. However, the company has continued to ignore my letters and to the date of this complaint has refused to honor the agreement. I am making this complaint as one of the advisable options prior to any elevation of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One doesn't want to increase my limit to at least {$1500.00} or {$2000.00} so my credit scores can go up, so I can purchase a home with my VA Benefits. 
I was denied of credit increase because I am XXXX XXXX and Retired. 

I am a XXXX XXXX XXXX Veteran. 
The credit limit that Capital One gave me of {$500.00} will not support me on my new VA Loan and home purchase.

I am making timely payments of {$50.00} through my bank checking account to Capital One as financial Institution debits my checking account each month. 

Also, Capital One hasn't updated my credit with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX is reporting that I am an authorized user on a Capital One credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
Company- debt recovery solutions Amount- {$940.00} and {$280.00} Disputed these two account more then 2 times. I had health coverage everything was giving at the time of at the hospital Photo ID and health insurance card they are claiming that they have sent me letter and insurance never paid which is not true its was taking off my refit 2 times the 3 to 4 month after another collection company picks up the account which dropped my credit 68 points that is very bad speacially when Im trying to start a family. Please help take action against these people when I try to call they tell I have to settle and pay when in try to explain what had happened they hang up the phone very unprofessional. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting that I am an authorized user on a XXXX XXXX credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
It was reported on XX/XX/2016 that there was an amount that I owed Bank of America after they already closed my account. That amount still appears as unpaid on XXXX XXXX XXXX XXXX Today, I went to Bank of America and they told me that I don't owe them any amount, that it was already paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
It was reported on XX/XX/2016 that there was an amount that I owed XXXX   XXXX XXXX after they already closed my account. That amount still appears as unpaid on Chex Systems , Inc. Today, I went to XXXX XXXXXXXX XXXX and they told me that I don't owe them any amount, that it was already paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
ncb managment service report to credit report burea they told me they will not but they did to destroy my everything want to deleted ncb managment service from credit report and take legal action to stop collections communications, i have to do what ncb managment serivce told me to do,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: IL

Complaint narrative:
Equifax is reporting a collection account ( XXXX ) from XXXX XXXX XXXX on my credit file that do not belong to me. After reaching out to this collection agency they have failed to verify this account. XXXX XXXX XXXX subsequently has agreed to remove all information regarding this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have already contacted this bureau about this debt. This debt problem is on a previous complaint that I submitted to this company about three months ago. The company in question was XXXX XXXX. XXXX answered my complaint. Now I am going after the company that XXXX sold the debt to. This company is XXXX XXXX. They continue to call and harass me about this old debt - 11 year debt. I never take the calls. They always leave a message, saying that they are trying to collect this debt. They have called about twenty times, perhaps more. I mentioned this company in my complaint to XXXX, hoping that they would get the hint and they did not. They continue to harass me about this eleven year 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 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Are HUMANS viewing these complaints or superscanners? My complaint of Resurgent Capital Services L.P. was NOT a duplicate complaint! 1 ) My initial complaint was to XXXX, which is indeed a separate company! Is it not? I know for a FACT that if someone is doing business as Company 1, another as Company 2, and Company 3 -- THAT THEY ARE 3 SEPARATE COMPANIES. 2 ) That complaint -- as this one, since my other was FALSELY closed -- is about how Resurgent provided me with documents that, under the FCRA & FDCPA, DO NOT PROVE this fraudulent account to be mine! My complaint to XXXX was about how these frauds ( and XXXX XXXX XXXX XXXX ) NEVER RESPONDED TO MY LETTERS asking for validation of this account -- which is a violation of consumer law. They knew what they did and the person who responded to my complaint brushed it off! Therefore, please explain to me how these are duplicates ; these are two separate issues with THREE DIFFERENT COMPANIES! 3 ) I am absolutely outraged that the CFPB is condoning companies ' violations of consumer law! What do you exist for, CFPB? I was given statements and bills as " proof '' that the account was supposedly " mine '' when those are NOT valid means of verification! Statements, bills, and itemized lists of " what is or has been owed '' is NOT proper validation under the FCRA or FDCPA. You MUST provide an original contractual agreement in its original form, bearing my actual, wet signature. My signature was not on these documents, nor did they provide proof that the address ( es ) in the document were mine. Everything about an account must be properly investigated and validated. Until Resurgent provides actual original documentation bearing my actual signature and providing verified proof that the addresses were mine, then they remain under violation of law -- WITH THE CFPB 'S HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
On XX/XX/XXXX I went to pay my car insurance and the transaction was denied. I knew that was wrong so I went online to see what was going on and there is 5 withdrawals that I did not make all from Texas and I live in Florida. I don't even know anyone in Texas. The first one is on XX/XX/18 @ XXXX XXXX Texas XXXX XXXX accnt for XXXX the next one is on XX/XX/18 @ XXXX XXXX Texas XXXX # XXXX for XXXX the next one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX next on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX and the last one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX. I immediately got a hold of XXXX XXXX to cancel my card and started a dispute to hopefully get my money back. I have filed a report with XXXX County Sheriff 's Office and hope that they investigate this. I have also filed a report with federal trade commission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ALLY FINCL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/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 2018-09-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to report a collection to Experian and XXXX  that was removed through dispute process by XXXX. This is causing a huge gap in my credit scores and they should be accurately reporting ( by removing said collection account ) to all 3 bureaus. This is a debt that I was not the guarantor for and any attempts to amend the inaccuracies have come short due to XXXX XXXX XXXX lack of decent customer service skills. The attached email from the original leasing company clearly states the guarantor name. Additionally it states the accurate date of first delinquency which is nearly a year prior to the reported collection. After 2 years of haunting my credit report, this collection must go.

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