vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Financial Services Group
State: SC

Complaint narrative:
I received A letter on XX/XX/XXXXdated XX/XX/XXXXfrom XXXX XXXX at a company called XXXX XXXX XXXX XXXX XXXXXXXX, a Subsidiary of Global Financial Services Group , Inc. the letter was addressed to my birth name, which I had legally changed in 2018. The letter claimed that XXXX was a collection agency for my creditors identified below. I had failed to pay {$970.00}, which had resulted in my account being sent to collections. The credit tours were health care providers located within the network of providers in my local Hospital System, which I did regularly see between XXXX. However, I was on a long-term payment plan set up with this Hospital Systems billing department. I called the billing to be sure everything was okay. The representative from my Hospital Systems billing department, where the overdue amounts listed were taken from, said that my account was up-to-date, I had not been sent to collections, and they did not know of any company called XXXX. Moreover, they did not know where this {$970.00} amount came from. I made sure to ask that I didn't owe such-and-such amounts listed. It was confirmed, the letter wasn't real. As I looked at the amounts and dates provided by XXXX I realized some of the procedures were over a year old and had already been paid for, and certain ones had to be paid for up front like with XXXX or XXXX XXXX. I did a little research on the company and realized this wasnt the first time theyd tried to collect on a nonexistent or already paid medical debt. I was phoned by a XXXX representative on XX/XX/2018 at XXXX XXXX asking for my former name. I replied that she was speaking with the person of my legal name but refused to give any personal information once she revealed she was with XXXX. When I told the representative Id contacted my healthcare providers that theyd listed in the letter -- who had no idea what this company was or where this debt came from -- she kept insisting she could give me more information if I confirmed my identity. I told her XXXX would be getting a legal letter explaining how they could prove, without question, I owed a debt to them. The burden of proof wasn't with me. I didn't have to prove who I was since I'd confirmed her company wasn't affiliated with my health care 's billing system. Once I mentioned legality and government reporting, she said : Okay, Miss, Ive updated your account, goodbye. And hung up. Im sending them a certified letterbased on a template borrowed from the Consumer Financial Protection Bureauand shall be reporting them not only to the FTC, but my Attorney Generals office, as they are located within my state. Here is the companys local address and website : XXXX XXXX XXXX XXXXXXXX Dispute Resolution Department XXXX XXXX  XXXX XXXX, SC XXXX https : //www.globalfinancialservice.net/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX continues to report inaccurate information on my credit report. XXXX   responded that the debt was verified. How is this possible? What was your method for verification? Who did you contact? 

I have disputed this account several times requesting physical verification from AFNI. I  mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with AFNI to pay this debt. I asked them several times to remove this account from my credit report. Per my rights, I requested a copy of the original consumer contract with my signature that says I agreed to pay AFNI. AFNI refuses to provide me a copy. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since AFNI refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

AFNI has and continues to violate my rights according to the FCRA. AFNI is illegally reporting this account on my credit report without the legal verification required by the law ( FCRA ). Please remove the following account from my credit report immediately : Account # XXXX Currently, I do not have a lawsuit pending but I will exercise my rights if AFNI continues to violate my rights under the FCRA and fails to comply with the law. According to FCRA, I may recover actual damages or statutory damages. Statutory damages are up to 1,000 dollars per violation. Under the FCRA, I am also entitled to attorney 's fees and punitive damages. The company has to pay my lawyer, in addition to their lawyer, as compensation for breaking the law. They will also have to pay litigation costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: FL

Complaint narrative:
The two accounts that's reporting on my credit file XXXX XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.

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 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
{$390.00} was sent to a bank account from PayPal. The routing number I entered was wrong. 2 days later I called PayPal and made the correction. The PayPal customer service woman said that the money had already gone through and the transaction had been completed. The bank says that the money did not go through obviously because the routing number was wrong. So the money would have been returned to the sender. PayPal can not do anything nor can the bank. But the fault obviously lies with PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Advantage Credit Bureau Inc.
State: ND

Complaint narrative:
Received the background screening report from Advantage Credit Bureau. They reported negative information older than seven years which should not have been according to the summary of my rights under the fair credit reporting act. The report was dated XX/XX/2018 and initiated by XXXX XXXX. This resulted in an adverse action taken by the company I was in the process of being hired for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NM

Complaint narrative:
My complaint is with XXXX XXXX XXXX. They bought our loan 3+ years ago, and are servicing the mortgage. In XX/XX/XXXX, an Escrow adjustment was made, and an additional amount ( $ XXXX ) to escrow was needed. I made the XX/XX/XXXX payment ( {$2600.00} ) manually and electronically. The XX/XX/XXXX payment however, was short the additional amount of escrow ( my bank sent {$2500.00} ... the previous amount ). The funds were left " unapplied '' and kept by the mortgage company for a month ( until the next payment request ). The mortgage company did NOT send us notice of the delinquency until the next month ( XX/XX/XXXX ) payment notice. 
I talked to the mortgage company and made an additional payment to the escrow account XX/XX/18 ( electronically ). I asked that they do not report the late [ payment, as they did not follow the protocols for applying payments. As I understand the protocol, a payment should be applied to the Principal and Interest first ( a fixed amount ), and then the Escrow fund ( a fluid amount ), unless notice is given that the payment will not be applied. My real estate attorney concurs. The mortgage company said that any payment that is not for the entire amount will be deemed unapplied, notice or not. The mortgage company ignored my request and declared the mortgage payment late to the credit bureaus. 
This is unjust and unfair as it does not follow the terms and practices of the mortgage we bought, or the protocols of the Consumer Protection Act, as we understand them.

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 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credits, Incorporated
State: OR

Complaint narrative:
Credits , Incorporated XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, Oregon XXXX. Phone XXXX or XXXX has been repeatedly attempting to collect a debt, they initially purchased from XXXX XXXX. I had {$3.00} in my XXXX XXXX Checking Account. XXXX XXXX accepted a debit charge against my XXXX XXXX  Checking Account in the amount of {$250.00} & have since added {$7.00} in interest charges for a total of {$250.00} ( they took the {$3.00} in addition & the balance of the charge to XXXX XXXX was {$250.00} ) they claim I owe them. I do not have overdraft protection & specifically opted out of that offer. I never approved the purchase. Why would XXXX XXXX accept a charge of {$250.00}, when my account only had a balance of {$3.00}?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: DISCOVER BANK
State: PA

Complaint narrative:
A merchant charged my card for services that were to be provided. The merchant did not provide the full service, and agreed to refund {$200.00} for the unfulfilled services ( through text message ). The merchant however did not refund {$200.00} for the services. I filed a dispute with my Discover for {$200.00}. Discover is telling me that I need more proof from merchant stating they owe me {$200.00}, even though I have a text message stating the fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The servicer ( Select Portfolio Servicing, Inc ) refuses to accept my payments.On XX/XX/2018, I tryed to make a {$1000.00} payment which is more than one payment ( My regular payment is {$690.00} ). The servicer ( Select Portfolio Servicing , Inc ) Refused to accept my payment. The servicer is purposely not accepting my  payments and is trying to take away my home through foreclosure. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: FACTUAL DATA CORP.
State: ND

Complaint narrative:
On XX/XX/2018, I mailed a letter, which I have enclosed as proof, to Factual Data about a hard inquiry they placed on my credit report. You can see in the letter that I wrote them, I asked them for " written proof '' authorizing their agency to view my credit history. In their response, which is also included, they state that, " Factual Data provides credit information from CRA 's to its clients, which are primarily banks, mortgage companies and other lending institutions that have a PERMISSABLE purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. '' Factual Data, as it's own agency, has no signed proof of me granting any such permission to view my credit history, and its client, XXXX XXXX XXXX XXXX has no such proof of permission from me either. I demand that Factual Data remove any hard inquiries made on my credit report to any of the bureaus, and remove any information they have gathered on me in their files. They are violating my FCRA rights as a consumer, and if these inquiries are not removed, I will bring a law suit against Factual Data for violating my FCRA rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Ok..the lease for the XXXX XX/XX/XXXX.will be complet..XX/XX/XXXX..they repossition the car from my house..when the car is complet lease payments..now they allegy that i need to pay it in full..i be cery worry about it situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion continues to report inaccurate information on my credit report. TransUnion responded that the debt was verified. How is this possible? What was your method for verification? Who did you contact? 

I have disputed this account several times requesting physical verification from XXXX. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with XXXX to pay this debt. I asked them several times to remove this account from my credit report. Per my rights, I requested a copy of the original consumer contract with my signature that says I agreed to pay XXXX. XXXX refuses to provide me a copy. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

XXXX has and continues to violate my rights according to the FCRA. XXXX is illegally reporting this account on my credit report without the legal verification required by the law ( FCRA ). Please remove the following account from my credit report immediately : Account # XXXX Currently, I do not have a lawsuit pending but I will exercise my rights if XXXX continues to violate my rights under the FCRA and fails to comply with the law. According to FCRA, I may recover actual damages or statutory damages. Statutory damages are up to 1,000 dollars per violation. Under the FCRA, I am also entitled to attorney 's fees and punitive damages. The company has to pay my lawyer, in addition to their lawyer, as compensation for breaking the law. They will also have to pay litigation costs.

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 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
They call me during working hours that I told them not to contact me and they repeatedly call every single day and multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment though XXXX on my Citi Bank App on XX/XX/XXXX of {$1600.00}. Unfortunately, that payment went to the wrong person. The number had one of the digits wrong and was received by the wrong person. I made the transaction before XXXX XXXX and didn't find out until later that evening. The person that was supposed to get the money called me asking if I sent the money. That's when I realized the money was linked to the wrong person on accident. At that moment I was fine and called customer service right away. When I called, the lady I spoke to said that it was too late to reverse the claim. They transferred me to the fraud department to start a claim. The person I spoke to at the fraud department basically told me that the only way for me to get it was by having that person return my money back. To me, that sounded absurd so I asked how come they wouldn't do that instead of asking me to do it myself. The lady basically said they will try within 45 calendar days. At that point I freaked out so I decided to call the lady after I was done speaking to the fraud department. After numerous attempts and dialing from different numbers, the lady finally answered. When I spoke to her she kept saying that I was trying to scam her. She also stated that such money was already gone from her account and she also wanted to speak to her family to she how she should proceed with this. I was on the phone with her for over 30 minutes, explaining to her and asking her to please send it back to me. Once I mentioned law enforcement, she hung up and never answered her phone again. I tried to file a police report after that call and they basically said they couldn't do it because she wasn't doing anything illegal. I explained that she knows that money isn't hers and she's still not giving it back so that's pretty much stealing knowingly. They denied me the police report and at this point I'm blown away. I kept calling customer service to check on the status of my claim and they kept on telling me to wait, that I would receive a letter in the mail. Tuesday XX/XX/XXXX, my account was credited and refunded. I was happy but that happiness didn't last long enough. The following day the money was taken away again and was told that my money was gone and that they weren't able to get the money back from that person 's bank account and I had to pay for it. To this day, I've complained, written letters and spoken to different managers and it still hasn't been resolved. I need help to get that money back. Please..

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 2018-11-08 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: HI

Complaint narrative:
portfolio recovery associates. I have told them to stop calling on a debt that should have been taken care of by the credit card. this debt is over 10yrs old if the credit card insurance didn't pay the card off that is the credit cards problem that is the reason i paid monthly charges for the insurance. I have repeatedly told them this and have told them to stop calling me. they continue to call me from different numbers then hang up on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XXXX $ has been taken by PNC bank from me on XXXX XX/XX/2018. They also know that I have been a victim of fraud but they aren't helping in any possible way. I am an international student on loan and I have lost everything because of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
This is a follow-up to CFPB Ref No : XXXX-XXXX. In their response, American Express stated that " we found that the representatives with whom you spoke provided you with incorrect information about the offer associated with your account '', yet provided no reason why they had incorrect information. I believe this is because my account is showing I am eligible for the Free Weekend Night, but American Express is refusing to provide it. Additionally, American Express has not provided the cardmember agreement which stated the terms of my bonus. I've attached a picture of the offer I signed up for to verify my claim that the offer included a free weekend night.

Company response to consumer: Closed with explanation