vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
On  XXXX   XXXX , a debt validation letter was sent t o Bull City Financial re questing validation of this debt allegedly owed. I 've also sent this thru cbr dispute. Bull city is inaccurately " verifying '' this info through them. I 've asked to receive a copy of original documents with my signature. As of  X/XX/17    bull city has failed to respond to my request. Instead on  X/XX/17    I received correspondence from aforementioned company with a bill also listed on an address I 've never lived at. I 've yet to receive any original documents as outlined in attachments. This continues to report to cbr and is not marked as in dispute as requested on letter either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Greetings, Master card account ending in  XXXX  has been closed for over 2 years, however, account was used for marketing purposes to reopen. I have repeadeatly asked for account to be removed from online profile as a security risks and to prevent marketing contact. Previous attemps were stated acco  unt CAN be removed if not used within 120 days. However, this account has met this crietia and surpassed amount of days by 2 years. I am requesting account be removed from online profile to prevent any fraud activity.
Previous complaint response refused to identify why account CAN NOT be removed from online profile. No reasonable explanation has been given by respondent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Starting in  XXXX  o f 2017, Navient  had sent emails regarding my student loan with them. The amount owed had changed several times over the past months and I am having difficulty making payments as they are so high. I am in a loan rehabilitation program with another company which is worries because they took into account my income and expenses, which leaves very little leftover. However Navient simply looked at my income and gave no one probably to lower payments delay then at all. I 've tried to contact them about this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On  XXXX   XXXX ,  2017 I did  a balance transfer of  XXXX . I called american express and was told that counted towards my payment for  XXXX   XXXX . Ion  XXXX   XXXX ,  2017 I ca lled them to make my  XXXX   XXXX  payment. I was told I could use my blue rewards cash rewards as part of my payment, so I did this and made an additional  XXXX  payment. On  XXXX   XXXX ,    2017 I g et a call saying I am late with my payment. I set it up to come out on  XXXX   XXXX . Then I looked up my account and remembered I made my payment, so I called back and was then told my balance transfer and my blue rewards did not count as a payment.his is completely wro ng 4  people told  me four diffe rrrnt thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
On  XXXX   XXXX ,  2017 a nd  XXXX   XXXX ,  2017, a let ter for validation of debt  and HIPAA V iolation was sent to Central Financial Control. The amount presumably owed {$600.00}. The letters asked for a breakdown of fees, copy of my signature from the provider stating the release of detailed medical information to them and to cease any credit bureau reporting until debt was validated by me. As of  XXXX   XXXX ,  2017, I  was provided by Central Financial Control and itemized statement that included all procedures, NOT CODED, which were performed including  XXXX ,  XXXX ,  XXXX   XXXX  and drugs administered. Which is a violation of t he HIPAA Act. I  was never provided a statement from the original creditor that would allow the release of medical information to central financial control. I had never received a bill from the original creditor nor central financial control. I have asked that the presumable debt be deleted from all  XXXX  CRAs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial c urrently is trying to collect a debt for the amount of {$930.00}. They have kept this on report when they also do not have a license to collect in the state of Florida. I have contacted them asking for the removal and also forward this information to all   XXXX   credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
GETTING FREQUENT PHONE CALLS EVEN TOLD THEM TO STOP CALLING

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I received collections form this company before and I notified them several times that I filed bankruptcy in  XXXX - XXXX  and this old debt was included in that bankruptcy. Recenty I have been getting calls from this  NCB c ollections agency and now letters regarding the  XXXX   XXXX   XXXX  I had a while ago. I need the collections to stop and the calls and letters as it is illegal to try to collect a debt that was included in my bankruptcy that w as discharged al ready

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On my   XXXX   report it still shows that I was late fo r five or six months  with my Bank of America mortgage loan when I was not late. I received a letter stating that they will change it on my credit report but it has not changed yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Regarding Pinnacle collection services. They state that I owe  XXXX  {$40.00} fr om 2013. I  have never had an account with  XXXX . The amount is petty. I have more than enough money to pay the {$40.00} but why would I pay someo ne one cent  of my money if I do n't owe it?     What are the details of the alleged debt? Cell phone? Home phone? If so, why such a small dollar amount???? Does  XXXX  have any other records showing a history of payments or me doing business with them? I do n't think so because I have never had this account in question.     It 's not fair that they can add this to my credit file without substantiating the account.     Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
I have now for several yards tried to get assistance and have removed the incorr t information on my credit file. Experian is the only credit bureau reporting this incorr t infirmI and fortunately I have had success in getting it remove from the other ones already. This credit card from  XXXX   XXXX  they are reporting ngative and as a charge off on my credit file ; does not belong to me. Is is identity theft and fair and  XXXX   XXXX  knows and has been noticed as well as Experian credit agency but they will not rly and or roc this incorrect and negative Informstion. I have sent them numerous requests and this has been ongoing for years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We tried to modify our home loans however due to my husband being unemployed we did not qualify. We tried the Keeping yo ur Home Calif ornia and we were told that we could not qualify either. So we have had to use the Short Sale process to avoid a foreclosure. The first lender,  XXXX , would be paid off by the short sale approximately $  XXXX , while Bank of America would not, thus becoming a short sale. The issue is that we had to file bankruptcy as well, so the HELOC was discharged as well. When we first applied for the short sale with Bank of America, they could not find the account. It took a long time to finally have a short sale representative from Bank of America finally find it because it was discharged. The BK department at Bank of America had told my Realtor that we should not have an issue getting approved because some money is better than nothing since it was already discharged. With a sale at $  XXXX  from the buyer, Bank of America would net approximately $ 20k+. In addition, Realtor requested relocation funds, and  XXXX  was going to give us relocation funds but since they are no longer making the approval on the short sale, we have to request from Bank of America. The BofA representative said they could not because it is a HELOC. If  XXXX  forecloses, because BofA wo n't approve us, they wo n't get any money, so it does not make sense to us. We wanted to keep our home! We raised our girls here and were happy, but due to financial circumstances where my husband was laid off, it became very difficult to the point that we almost got divorced due to the stress. Thankfully we managed to work through this issue as well. We are not being unreasonable by asking for relocation funds. With a short sale we would be preventing a foreclosure for all involved. Please assist us in having Bank of America with relocation funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo has engaged in my account multiple transactional manipulation and excess fee .charges. On  XXXX   XXXX  I checked my account and saw that if was negative  XXXX . I promptly made  XXXX  deposits on  XXXX   XXXX  to cover this.  XXXX  being a cash deposit of {$50.00} and the other for {$15.00}. At that time my account was drafted again via  XXXX . I was assessed with over draft fees even though my account was not negative from the cash deposit. They manipulated transactions and charged over draft fees to put me in the negative in an effort to charge more on top of those.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
USAA reported to the credit agencies that I still owe a balance on an account which had a settlement agreement to settle in full for less than the original balance.. I disputed the debt with the credit agencies and they told me that USAA verfied to them that I still owed them money. This is inaccurate. USAA has had phone conversations with me stating that they are allowed to report a balance on the account since the settlement offer was less than the full amount. This is inaccurate. They are required to update my report with a  XXXX  balance. They are not allowed to tell the  XXXX  credit agencies that I do still owe a balance when I in fact, do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells fargo p romoted a {$250.00} cash bonus for opening a new account. I heard of scams about new accounts with them before, but this blatant  one  was alarming. After repeated calls as to why my bonus hasnt posted, I was told it was because they are waiting for a  XXXX  from me. They sent it to me in beginning of  XXXX . I sent it right back. I was also promised over the phone alternate information : All i needed to do is make  10  purchase with check card by  XXXX   XXXX  ( no mention of  XXXX  form needed at all! ). For good measure, I decided to mail them back the  XXXX  regardlless. It was not until the    XXXX   XXXX   XXXX   th at they confirmed they received the  XXXX . After writing to them about where the cash bonus is, I received a reply on the    XXXX   XXXX   XXXX   fr om "  XXXX  '' that they finally " received '' the  XXXX  form and the bonus should post in  3-5 bu siness days! I followed up on the    XXXX   XXXX   XXXX   a s to the whereabouts of the bonus, in which I was told that, sorry, I will not be getting it and I was lied to by their reps!! I am outraged. I feel I was lured into opening a new account and the {$250.00} requirements were purposely miscommunicated as part of their scheme. A bank as big as big  as Wells Fargo can  not mislead their customers repeatedly ( over messages and over the phone ) as part of their game to have people open accounts with them. I demand the {$250.00} bonus at once.

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 monetary relief
Consumer complaint received 2017-05-23 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: Colony Brands, Inc.
State: KY

Complaint narrative:
Swiss Colony  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This company has called, sent letters  XXXX   2016 , I told them this was not mine but someone elses. They are not bonded to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
Credit report from transunion and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from transunion stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: KY

Complaint narrative:
XXXX XXXX XXXX claims that I have XXXX charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
XXXX   XXXX ,  2016 {$34 .00} I talked with  XXXX  and said I could pay what they offered. Though, when I had more money to pay the account for full. " They did not fill in the remarks on the the credit bureaues, credit reporting agency 's ''. I said, I can pay for the full amount. They said no what was agreed you can pay for. During the conversation, I suggested to pay more. And initiated the clear communication I can pay for the full amount of  XXXX   XXXX  dollars. Then, she said no. Only the amount, you were talking with  XXXX  about. They were damaging my  credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Falls Collection Service Inc.
State: TX

Complaint narrative:
I do not owe this debt, company continues to attempt to collect, they are not bonded in Texas, and can not collect this debt.

Company response to consumer: Closed with explanation