vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX : XXXX XXXX Account XXXX. : XXXX XXXX : {$480.00} I have disputed this entry for XXXX XXXX XXXX for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. To this day, I have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: ERC
State: TX

Complaint narrative:
I have disputed this entry for Enhanced Recovery Company several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Enhanced Recovery Company and myself for repayment. To this day, I still have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2019-05-13 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: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Group Original Creditor : Medical Payment Data Account No. XXXX Amount : {$840.00} Account No. XXXX Amount : {$840.00} Account No. XXXX Amount : {$810.00} Account No. XXXX Amount : {$770.00} Account No. XXXX Amount : {$680.00} Address : XXXX XXXX  XXXX, # XXXX, XXXX, Texas XXXX Phone : ( XXXX ) XXXX ext. XXXX I have disputed these multiple entries for United Revenue Group several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between United Revenue Group and myself for repayment. To this day, I still have not received a response. I've sent correspondence on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I disputed many times with different credit reporting agency but still they have not taken it off it is not mine, i was homeless for a long time and just getting a place and need my good credit back. because of this an other issues my credit is so low and hard to make way please take it off.

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 2019-05-13 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Service Original Creditor : XXXX Account No. : XXXX XXXX : {$490.00} I have disputed these multiple entries for Credit Collection Service several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Credit Collection Service and myself for repayment. To this day, I still have not received a response. I've sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   ( XXXX ) XXXX Amount : {$220.00} Debt collection agency : Accounts Receivable Consultants, Inc. 
( XXXX ) XXXX XXXX I have attempted to contact Arc to ask why they are reporting this debt to the credit bureaus each month when the XXXX debt was paid. When the debt was paid and balance satisfied, the account was removed from XXXX and XXXX reports in XX/XX/2017! I am unable to reach anyone on either numbers listed. From the toll free line, the call is dropped and sent to an extension that just rings. Arc is wrongfully reporting this to ONE BUREAU each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
I made a payment on XX/XX/2019 for my XXXX monthly payment in the amount of {$720.00}. The company has changed their online system and the system submitted 2 payments instead of one in the amount of {$1500.00}. I called Suntrust to make sure they didn't run a double payment and they said they couldn't cancel the payment as it was already in processing. When they tried to withdraw the double payment from my bank, the payment wouldn't go through because of the double payment. I reported this to Suntrust to get them to fix but she said it would keep running the double payment. I called Suntrust on XX/XX/XXXX to fix again and they were then able to run just the single payment for {$720.00}, but at that point, my payment was considered late even though I made the online payment on time. This error on their end has reported to my credit report as a late payment.

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 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
After having a Citi Bank credit card account for over a year, the company has repeatedly switched my billing to paperless billing without my consent. They then charge a late fee because I have not paid my bill on time, which I did not receive in the form that I require. After contacting the company and requesting paper billing now the second time, they will not waive my late fee for a missed payment, and my credit score has suffered because of it. The most recent case of this happened with my account in XXXX, when they changed my account to paperless billing, and recently marked my account overdue by over 30 days. I called to resolve it on XX/XX/XXXX by paying the balance. The balance was {$43.00}, and they refuse to waive my late fee because they had previously waived a late fee within the last 12 months. The prior late fee that was previously waived was for the exact same thing, when they enrolled me without my consent in paperless billing. This is the second time this is happened, and when I inquired how this keeps happening in the creditor explained, that if I see any information on their website regarding paperless billing and do not scroll to the bottom far right corner of the box and click no thank you, but I am automatically enrolled in paperless billing from that date forward. I explained to her that that seemed a rather subversive way to enroll people in something they do not agree to because I have it on my file showing that I explicitly do not want paperless billing. The creditor explained that if I see any information on their website regarding paperless billing and do not scroll to the bottom far right corner of the box and click no thank you, that I am automatically enrolled in paperless billing from that date forward. I explained to her that that seemed a rather subversive way to enroll people in something they do not agree to, because I have it on my file showing that I explicitly do not want to enroll in paperless billing.

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 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: AL

Complaint narrative:
A debt collector named Maury Cobb located in XXXX alabama claiming to be a lawyer collecting around XXXX dollars. A robot message calls every day sometimes twice. It was a medical bill that Medicare has already payed XXXX XXXX XXXX and they have been told this and asked to stop. My name is XXXX XXXX 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 2019-05-13 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: TX

Complaint narrative:
I filed a dispute in XX/XX/XXXX and again in XX/XX/XXXX with Equifax regarding 2 hard inquiries and a loan for XXXX XXXX. The dispute was filed due to it was fraudulent. I provided Equifax with a police report, dispute letter, FTC report and identification docs, however after filing several disputes no action has been taken to remove the loan. They did however remove the inquiries. I tried contacting the creditor ( XXXX XXXX ), but the number provided on my credit report is disconnected. I have also tried looking them up on the internet and was unsuccessful. Equifax refuse to remove the {$1500.00} loan that was opened on XX/XX/XXXX. I informed Equifax my personal information was involved in several Data Breaches including 1 with them. I have since placed a fraud alert on my credit file. I'm in the process of purchasing a new home and this dispute is causing a delay in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/2019 I entered into a residential real estate purchase contract to sell my home. The contract requires that the seller furnish a XXXX XXXX report to the buyer within 5 days of the signing of the contract. I contacted Lexis/Nexis who administers and furnishes the reports on XXXX XX/XX/2019 as instructed by my insurer. I filled out the online report request form, and indicated I would like to receive the report via email. The online information provided after I filled out the form to obtain the report stated that the report would be mailed and I would receive it in 15 days. I then called the customer service line to try and obtain a copy of the XXXX XXXX report in a timely manner so that the contract to purchase my house could be finalized. I was informed by a customer service agent that Lexis/Nexis no longer provides report via email for security reasons and that there was no way to send the report to me faster than 15 days. I was told that this policy, of only using regular mail, was put into place about a month ago. I explained several times that this was jeopardizing my ability to fulfill my obligations under the residential real estate purchase contract. I asked to speak to a supervisor and was told that one was not available but that I could put in a request to receive a call back within 48 hours. This was not an acceptable resolution. 

XXXX has personal consumer data and/or information that I require to complete a contract. I was not notified of the change in policy and could not request my report in advance in anticipation of the contract. My claims history contained in the XXXX report is unreasonably being withheld from me and is likely to cause extreme financial harm to me. 

I would like the company to provide my report immediately and for the policy to be changed so that real estate contracts nationwide are not jeopardized by this unreasonable and unconscionable policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Ive received a letter from NY bankrupcy court VS Ditech ( who my mortgage is thru ) wanting me to fill out a form of liabilities and assets. I cant seem to find the form they speak of. And I discovered when I checked their website that my payment for the month of XXXX is not showing to be paid. I made my payment on XX/XX/2019 qnd it cleared the bank. I have tried to call them but with no success. I have no idea where to get help with this. Please give me some feedback.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1. {$300.00} direct deposition XX/XX/2019 from XXXX XXXX XXXX for my XX/XX/2019 cover story. 
2. Wrongful " monthly maintenance fee '' charged XX/XX/2019, despite direct deposit. 
3. Unhelpful, snooty, discourteous telephone banking clerk " XXXX '' failed to fix it.

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 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2019, Wells Fargo ( WF ) did not execute a scheduled draft of {$3500.00} from my XXXX XXXX XXXX account into my WF checking account. This is a monthly draft scheduled for the XXXX of every month. Because WF did not execute the draft, my WF checking account was insufficient to pay my WF mortgage, which is set to draft from my WF checking account approximately 10 days after the transfer of funds from XXXX XXXX XXXX. 

I have spoken to your client representatives about this matter, and was informed that WF does not know why the transfer was not executed. Per Wells Fargo, the issue must be that XXXX XXXX XXXX rejected the transfer. However, I have spoken with XXXX XXXX XXXX several times, and they have no record of WF ever initiating a transfer on the date in question ( XX/XX/XXXX. ) WF also can not provide the supposed error code for the failed transaction. 

Please note : This is the second time I have had issues with WF executing a scheduled monthly draft, and in both instances, the missed draft occurred in XX/XX/XXXX. Last year, WF failed to initiate a draft because a certain number of days had not passed since the last scheduled transfer. WF ultimately determined this was caused by an error in THEIR  coding logic that did not take into account the shortened month for XX/XX/XXXX. They assured me that this would be corrected going forward, but clearly it has not been. 

I am requesting a full investigation of this REPEAT issue as well as a refund of the fees that were improperly assessed ( {$130.00} late fee and {$35.00} NSF fee. )

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 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NJ

Complaint narrative:
Debt Collector failed to supply documentation showing an agreement for the charges between myself and the fraud originator. There is no agreement to pay the charges and there never has been. Yet they still insist on trying to collect the charges and have now reported a fraudulent debt to my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Tried to obtain my credit report through Experian. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.

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 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have tried to fix this as whoever did this had used mine and my wifes info and we are very upset as we have dealt with this issue so long and the have done a charge off but it is still on our report and making problems, my wife and i have always paid everything and not sure what is going on help us get this removed from our 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 2019-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Check Resolution Inc.
State: VA

Complaint narrative:
NCR which is the debt collection agency that handles the XXXX XXXX   XXXX XXXX in XXXX va  keeps callins me while I am at work after I spoke to a representative on Friday XX/XX/2019 to call me on XX/XX/2019 at XXXX and not 2 times before that time. they have been harassing for the past 7 months. I specifically told them that I can pay XXXX a month to help settle the debt but, they are still threatening legal action. I had a baby in XX/XX/XXXX and they was calling me then being very rude and nasty and I am sick of it and will be pursuing legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
I have disputed with them that the account is not mine. I'm in my 2nd round of disputes currently and they still have provided me an original copy of a bill. Nothing with my signature on it, a copy of my hippa form or anything to prove account is mine. They sent a copy of a document that is not an original bill, proof that have the right to collect this debt and copies of my signature with HIPAA form. They are clearly in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I paid XXXX to my XXXX XXXX credit card in XX/XX/XXXX. This was supposed to pay off my card and the company was supposed to remove numerous late fees due to them mailing things to the wrong address and I was not able to get the online login to work. Now they have sent the account to XXXX XXXX and when I disputed it XXXX forwarded me a statement from XX/XX/XXXX. There were no purchases made after the payment in XX/XX/XXXX as I was told the account was closed. They have now been erroneously reporting this and destroying my credit score as this is the ONLY negative account. I am herby demanding that this be removed from my credit report with a credit blast occurring that shows it PAID IN XX/XX/XXXX. 

Thank you

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Tried to obtain my credit report through XXXX. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
We have tried numerous times to acquire assistance from SPS and they continue to inform us theres no options that can assist us. Before we became this far behind, their letter indicated we can contact our loan representative to discuss deferment. We contacted our representative and discussed and submitted all the documents requested. Within 30 days the response was due to the account is past due four months we are unable to defer past due payment. However, when we initiated contacted with our loan representative we were only three payments behind. The SPS letter stated three payments or less can be deferred. We need emergency assistance since they have turned our account over for legal action. Our account was with XXXX and they sold it to SPS latter part of XXXX which they are a collection company without notifying us. We didnt fall behind on our mortgage until XXXX and that was due to a list of one income. We prayers is to keep our home. Thank you for your assistance. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Tried to get a free credit report. When asked to verify personal information, none of the options provided matched the actual, correct information. The company could not verify my identity in order to provide the credit report, which leads me to believe there is identity theft.

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