vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 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: Kansas Counselors, Inc.
State: GA

Complaint narrative:
I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to XXXX and XXXX asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America has failed to send payment to me after checks they sent me were returned to them or XXXX XXXX or XXXX Bank. These checks were returned by XXXX as I no longer lived at the address where they sent them. XXXX XXXX XXXX calls and tells me that Bank of America will reimburse me {$360000.00} yet I have received nothing : FACT : XXXX XXXX XXXX XXXX XXXX calls ( XX/XX/XXXX XXXX tell me I will be receiving checks for {$360000.00}. B of A calls and tells me same. Due to loan servicing errors and equity I will be receiving check/checks from RUST soon. We know that as many as XXXX people are in the same position as me. LOST CHECKS, RETURNED as UNDELIVERABLE Sent to wrong person. Most of them were found and paid. 

FOIA Paragraph from Letter of XX/XX/XXXX from XXXX XXXX XXXX FOIA request through my letter to head of XXXX XXXX XXXX XX/XX/XXXX. 

" The OCCs enforcement action that led to your payment originated from examinations conducted in the fourth quarter of XXXX and is described in the report available at http : XXXX. The consent orders involving your specific servicer are also available online at http : //www.occ.gov/independentforeclosurereview '' XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX of XXXX XXXX and XXXX of 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 2019-04-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports list monies owed to XXXX. I have written to the collection agency, XXXX XXXX XXXX requesting proof that I owe monies on this account, but none was ever sent. I notified the credit agencies that this creditor never sent me the required proof, yet they continue to list this account on my credit report. 

My credit reports list XXXX XXXX XXXX and XXXX for monies owed to XXXX. I submitted documentation that showed that the original creditor was paid However, the credit reporting agencies continue to list XXXX XXXX on my credit report. Furthermore, two separate collection agencies can not be listed on my creditreport over the same account. 

My credit reports list a bankruptcy that should have been deleted since the 7 years of reporting it has expired.

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 2019-04-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Credit score dropped XXXX points for no reason, called EQUIFAX ( non issue with the other two credit score companies ), who this issue is with, could not actually talk to anyone in detail since they can never actually confirm who I was even though I provided all info they requested and it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
To whom it May concern, I received the medical services from XXXX of XXXX XXXX, when I finish the procedure that same day I ask them if I have to pay any deductible to what they answer that they have to process the service with my health insurance first, I never received a letter from of XXXX of XXXX XXXX or phone call either, I realize that I owe you money because a collector agency ONLINE COLLECTIONS GRVL reports the account to my credit under collection damaged my credit and I am in the process of buying a house for my Family, I need help to solve this problem because I understand that they had to communicate with me first, I have never refused to pay a debt. 

Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: GA

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ADVANCED COLLECTION BU XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a  debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX MIDLAND FUNDING XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Visa Card ending in XXXX, XXXX Statement included a 0 % balance transfer check through XX/XX/2020 with a 4 % fee, Credit Line listed on statement was {$25000.00}. Paid {$1.00} balance in full on credit card, On wells Fargo website listed Credit Line {$25000.00}, Available Credit {$25000.00}. Submitted Balance transfer for {$24000.00}. {$24000.00} posted to account, Transaction Fee of {$960.00} posted to account, Account balance {$25000.00}. Received message " Your account is over the credit limit, {$7100.00} due NOW '' Checked on website and credit limit now shows {$18000.00}. It is illegal to offer a balance transfer rate and then immediately lower the credit line with the sole purpose of inducing a fee. I contacted Wells Fargo through secure email and received a generic reply which did not attempt to address the problem.

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 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I use an online merchant to make purchases using my PNC Bank debit card associated with my savings checking account ... Immediately upon making the transaction on the site, it is recorded by the merchant and also appears on my PNC Bank online account in the pending transactions and the amount is removed from my balance ... I may make many such transactions in the same time period using the same debit card and with the same merchant ... All such charges initially appear on my PNC Bank online account and alerts are generated by my PNC online Banking account and I also receive both a text message to my phone and an email verifying each of these purchases almost instantaneously ... then some time later without my prior knowledge or consent PNC Bank arbitrarily removes some of the charges and adds the amount back into my account balance and the charges completely disappear from my account ... NOT even showing as pending and then sometime between three days to one week later the charges begin to arbitrarily reappear in the posted category and again are removed from my balance ... I have contacted PNC Bank customer service three times and the initial explanation given was PNC Bank contacts the merchant to verify that I made the charges and that merchant billed me for the charges ... I also directly contacted the merchant business and billing department in between the contacts with PNC Bank.. The merchant told me that they never verify charges with PNC or any bank ever ... I have spoken to PNC Executive Client Relations ... at no time did anyone from PNC Bank deny manipulating my account by removing legitimate charges without my prior knowledge or consent. The only solution offered by PNC Bank was that I am free to choose any other financial institution ... I only request that PNC Bank stop manipulating my online bank account by removing legitimate charges under false pretenses and with out my prior knowledge or consent..I have previously sent this complaint to the Office Of The Attorney General of the State of Indiana and received a letter stating the complaint had been forwarded to the CFPB ... when i contacted CFPB the representative could find no such complaint or information from the Indiana Attorney General ??? I believe this is a scam to enable PNC Bank to charge overdraft fees ... my opinion Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
I've been trying to have XXXX back taxes paid my mortgage company for months now. XXXX XXXX is the company. The county reported only taxes for land when the home was built. They sent us a bill of approx.. XXXX dollars for taxes on the structure end of XXXX. I consulted with XXXX XXXX and said to pay them instead of the county directly. They have the money in escrow and I can not for the life of me get them to pay XXXX county. They have sent a garnishment of my pay to my company and have sent me Forclosure letters. 
They have the money ... Why won't they pay!!! I've talked to 7 different persons at the mortgage company and they had promised last week that this was taken care of. I need your help.

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 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: IN

Complaint narrative:
awhile before, unrecalled number, date, time, i received a call from what i believe scammer, who gave little information! 
then, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/2019 reported to collections account on my credit report, and intrusively observed all my information and invaded my privacy! 
Didnt verify any debt, pertaining to what, from whom, from origin! 
no rights, no contact, besides phone, of which, by phone, debt collector very quickly hung up, without answering any of my questions! 
XXXX paid by XXXX Credit card XXXX XX/XX/2019 settled {$1200.00} claimed debt for {$570.00} and deletion off of my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to 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 explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My home mortgage was with a bank named Nationstar a year later I find out that the name Mr Cooper will be taking over that old company and will for now be handling my account. My payments are set up to be automatically drafted from my checking account. Starting in XX/XX/2018, this company starting taking triple the amount of my SET rate out of my bank account. I went to the bank stopped the automated drafts. I called the company and told them for now on I will send you my payments. From then on I have. I have not missed a payment, never been late. I have full proof. My complaint is on this company for continuous bullying and harassment. I hired a attorney and he sent them a letter saying to no longer contact or mail me anything. So with that being said my most recent problem is I received a letter from the mortgage company saying Im 4 months behind in my payments. I told my attorney and he recommended contacting you because he could not do anything w/o taking them to court. I have plenty of proof of me making my payments and sending them on time. Please help me, im In desperate need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I filed a Chapter XXXX in XX/XX/XXXX. I recently looked at my credit. I have/had no late payments as reported by all of my creditors on all 3 reports. 

All creditors have noted " wage earners '', Chapter XXXX on each account. Federal Court has Chapter XXXX noted on credit report. 

CRA 's have added, in each account, a failure to pay, on whatever month they choose. The lastest being XX/XX/XXXX, which will extend the 7-10 years. 

So, Federal Court noted Chapter XXXX, creditors noted Chapter XXXX. Now CRA XXXX  have added to each account. So I had nothing bad reported except chapter XXXX. Now I have 12 derogatory remarks on my credit. It makes it impossible to rent or buy anything on credit. I can't even refinance my house. I understand it's bankruptcy, but without the CRA 's doing more than just coordinating the submissions, my score would be in the 600-700 range. My situation is different than most because I had no derogatory remarks from creditors. It's bad enough having a bankruptcy, having CRA 's do this is even worse. 

Why are CRA 's allowed to add any additional information to a creditors submission? Is this actually accurate?

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 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened up a Wells Fargo checking account by clicking on the specific link on XXXX  for the {$400.00} new checking account offer. I have satisfied all of the requirements but Wells Fargo is not fulfulling their end by not depositing the {$400.00}. I have messages from Wells Fargo reps from XX/XX/19 confirming that the {$400.00} would be deposited after I met the requirements which I have. I am starting to think this was another ploy committed by Wells Fargo designed to get people to open new checking accounts and not holding their end of the deal up.

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 2019-04-15 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: VALLEY CREDIT SERVICES, INC. (WI)
State: TX

Complaint narrative:
I tried calling the company to make things easier and was willing to pay the debt if they would remove from my credit report. Their response was no and asked for payment and I then stated I would not be making a payment because I was not sure the debt was mine. I have never had a contract with this company and this account from the original creditor should be closed as a charged off

Company response to consumer: Untimely response
Consumer complaint received 2019-04-15 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: GA

Complaint narrative:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to 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 explanation