vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Co-Operative Adjustment Bureau, Inc.
State: NY

Complaint narrative:
I rented an apartment from XXXX XXXX XXXX an XXXX XXXX XXXX property. We discussed a one year lease from XX/XX/XXXX - XX/XX/XXXX and was not informed about the company policy for leases going to month end when they are signed mid-month. I gave notice when my lease was ending that I was moving out and was informed that I was obligated to stay till month end. I contested the issue with the property manager that such a  policy was not made known to me at signing. She referred the issue to her manager ( XXXX XXXX ) whom I emailed twice seeking to resolve the matter. She responded to my initial email and failed to respond subsequent emails I sent asking to the issue be referred to a senior manager. She never responded to my emails and the alleged amount I owed was sold to a collection agency, XXXX XXXX XXXX. The collection called my wife with whom I was separated from then to convince to confirm my personal information. She referred the agency back to me and I asked not to be called again about the issue. The agency disregarded this and continued to harass me over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

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 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. 

This needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
In XXXX of 2017, I chose not to move forward with XXXX as my cellphone carrier. I had a certain amount of days to return an XXXX XXXX XXXX ( 128 GB ) before I was no longer allowed to get out of the contract. The device was returned to XXXX corporate store in XXXX, NY. The XXXX customer service representative that assisted me that day, whom was responsible for properly documenting that the device was returned, failed to do so. From XX/XX/XXXX to XX/XX/XXXX, I contacted XXXX over 10 times to notify them that I no longer had that phone in my possession. In XX/XX/XXXX, to my surprise, I got a letter in the mail stating that XXXX sent me to collections using the agency XXXX XXXX XXXX XXXX XXXX XXXX. I contacted them on the day ofXX/XX/XXXX through email, sending them the receipt that proved that I returned the device, and they ignored it. From XX/XX/XXXX up until now, I have been fighting both XXXX and XXXX and there has been no corrections to my credit report.

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 2017-12-05 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: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
I recently pulled a copy of my credit report on-line and found that Sterling Jewelers , Inc. is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have  brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but Sterling Jewelers , Inc. has not despite my on time payments and evidence showing them that my payments have been made on time.

I look forward to Sterling Jewelers, Inc. accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments.

Thanking you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I requested verification on the alleged debt XXXX XXXX XXXX is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof XXXX XXXX XXXX could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back.

On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in 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 2017-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E. A. Uffman & Associates, Inc
State: OR

Complaint narrative:
In XXXX XXXX XXXX XXXX ( XXXX ) Failed to bill XXXX. In fact, according to XXXX from the XXXX Insurance provider XXXX XXXX not only failed to bill XXXX via XXXX, XXXX never even bothered to contact XXXX to become set up in their system to receive payment. And according to the XXXX XXXX Plan which administers XXXX, under State and Federal law it is unlawful to bill a XXXX beneficiary for any medical service without any attempt to bill the beneficiaries federal XXXX insurance or notify the beneficiary before a medical procedure that XXXX insurance will not cover the procedure, neither of which XXXX did prior or after the {$65.00} procedure. 

In this case, both the XXXX provider ( XXXX ) and the XXXX XXXX ( XXXX XXXX XXXX ) state the {$65.00} services would have been covered by XXXX had the Medical provider XXXX bothered to contact XXXX to be set up in their billing system and then submit the medical codes for the services. 

XXXX : XXXX XXXX, XXXX : XXXX XXXX had all of my XXXX information prior to service, which was for a physical assessment after wrist XXXX resulting from a broken XXXX after hit and run by automobile while I was visiting XXXX XXXX and was a pedestrian on the shoulder of a residential street without sidewalks near the lakes around XXXX. 

Further, I contacted XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, LA ( XXXX ) XXXX before I left the state of XXXX to make sure they had my XXXX ID number and all of the necessary information to bill XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 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: AL

Complaint narrative:
I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.

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 2017-12-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: FL

Complaint narrative:
Dispite my multiple certified letters, disputes, my ID theft report, and my email that I sent to the CEO of experian XXXX XXXX the fraudulent account XXXX XXXX XXXX is still being reporting on my experian credit report. This fraudulent account has been removed from XXXX and XXXX credit report they are no longer reporting this fraudulent debt. I have kept records of all of my disputes and I have kept a copy of my ID theft reports! Experian has not complied with the law section 605B! My attorney has discovered the class action lawsuit that 's already taking place against experian XXXX XXXX XXXX, XXXX XXXX experian. Experian has seriously violated the FCRA laws. I will proceed and file a lawsuit with my attorney! I am well aware of my consumer rights and these are some serious Monetary violations! This is my final complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IN

Complaint narrative:
My mortgage is currently serviced by Selene Finance. The prior servicing was handled by XXXX XXXX. This mortgage debt was discharged in a Chapter XXXX Bankruptcy on XXXX XXXX Case # XXXX. Since the discharge date, Selene has promised to re-stablish a new mortgage note, but has never followed through. Selene has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. Selene Finance has also violated the Federal Bankruptcy code by proposing repayment on the discharged debt.

[ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX NC, XXXX Division. 

Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. 

[ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XXXX ). 

[ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX ). 

The mortgage note produced by Selene to prove up the validity of the debt and right to foreclose is fraudulent as well ( exhibit A ). The note is signed by XXXX XXXX at the address XXXX XXXX XXXX, XXXX, IL XXXX. The mortgage note was funded by XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX was shut down by the FBI on XXXX, its majority owner was convicted on 14 counts of securities, bank and wire fraud. Overall, Selene has not proven up standing of ownership and the rights to foreclose. They have pursued foreclosure action and have implemented a foreclosure sale date of XXXX in the past. 

The accounting records that have been provided by Selene are incomplete as well, since the entire payment history is missing from XXXX to XXXX ( exhibit B ). Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined.

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5.

Selene is in clear violation of Federal Bankruptcy Code, RESPA law and IN Code 32-30-10.5. I am  seeking a full refund of all funds paid post Chapter XXXX BK. Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I had prepaid {$800.00} for a class and was not able to attend. Prior to the class starting I requested a refund and it was granted without penalties or fees.On XX/XX/XXXX I was charged {$400.00} for a room at a XXXX XXXX. I disputed the charge for one night and was given a credit for the full amount and a letter that interest would not be applied.On XX/XX/XXXX I paid a food bill for {$1400.00}. The amount that was on my statement was {$1900.00}. I disputed the charge and received a letter from Chase Card Services that the food company had added a tip of {$200.00} without my permission. Chase Card Services on XX/XX/XXXX granted me a credit for the {$200.00} and said there would be no interest of fees charged. 
Chase is sending demand letters for interest that started at {$33.00} and have now escalated to {$62.00} and climbing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I divorced my husband, XXXX XXXX XXXX, on XXXX/XXXX/XXXX. We had a joint mortgage together with Wells Fargo opened since XXXX XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XXXX XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XXXX XXXX, XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XXXX XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XXXX XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to Wells Fargo to remove the XXXX late payment dates from my credit report that were added after XXXX XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.

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 2017-12-05 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: CO

Complaint narrative:
after 4 years and AFTER my social UNsecurity number and other personal information was HACKED AND LEAKED by the incompetence of XXXX all of a sudden a debt collection for natcred in the amount of XXXX dollars showed up on my report no collection agency is going to wait 4 YEARS!!! to start collecting that is utterly moronic. all that XXXX AND Transunion did as far as an investigation goes is contact the debt collector for confirmation which 10 out of 10 they ALWAYS SAY YES. This is proof of a sheer lack of proper investigation and proper procedure on there parts. it illuminates how they never care about the consumer and that the consumer is always just a liar. when the fraud here and incompetence has been committed by XXXX leaking all my information to be used by real criminals. also XXXX has a bunch of incorrect information on accounts that were closed when I filed for bankruptcy BUT they have them listed separately because they refuse to do a proper investigation into those accounts and request the bankruptcy papers from the FL court it is not my job to provide these to them and I am XXXX they can request the info and READ THE FACTS themselves, which were cleared in my chapter XXXX bankruptcy of XXXX XXXX XXXX, XXXX and XXXX XXXX it has always been an uphill battle with these people and a waste of time they never, EVER!!! TREAT the consumer as a client we are ALWAYS considered criminals that do n't pay for anything. IM SICK AND TIRED of this ineptitude and lack of respect by these companies.

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 2017-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello my name is XXXX XXXX on XX/XX/XXXX my friend XXXX XXXX used " XXXX '' to send me money he owed me for rent. I never used it so I downloaded it fast and he transferred it. It initially said it would be in my account onXX/XX/XXXX. Now XXXX is saying my account is deactivated and they money is stuck in there they will not transfer my money. They are accusing me of having 2 accounts with them which is not true! And now I do n't get my money because of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.

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