vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo refuses to own up and face their responsibilities of inflicting pain and suffering to millions of pick-A-payment victims that were so systematically duped by a nefarious and deceitful loan product that to this day Wells Fargo continues to vehemently stand behind. Although the premises of my continued compliant was that Wells Fargo is not reviewing my then current 2010 financial crisis situation and assess whether or not the then 2010 modification offered to me at the time was in fact sufficient enough in providing the necessary relief that was not only needed in order to not default, but that was of the relief offered to other modification applicants with similar financial hardship. With that said Wells Fargo has not adequately investigated or addressed the inadequacies and deficiencies of a 2010 Loan modification offered to me during my most dire time of need. The modification offered was subsequently rejected by me due again to the fact that it provided no sustainable relief as it only place the amount owned/rears onto the current terms of then pick-A-payment loan # XXXX rendering the modification destructive and only self-serving to Wells Fargo as it would have protected Wells Fargo from any legal actions against them had i agreed to the terms and signed their proposed " Modification. '' Please note that a copy of this complaint has been forwarded to Florida 's District Attorney XXXX XXXX for their investigation as the proposed loan modification did not come close to meeting the modification relief afforded to all pick-A-payment class action suit home owners victimized.

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 2019-03-29 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am telling Citi bank from XXXX that did not use the card. Open a dispute, but they are saying I am responsible for it because they found my card chip on transactions. They can not help me with it, and I don't know what I do not. My credit score is going in terrible condition

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 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I have received numerous number of calls from different numbers from collection agency, Capital Accounts ( original account XXXX XXXX in XXXX ) regarding {$3500.00} medical account. I have spoken to 3 different agents over the past few months regarding this account and provided each agent with the Laywer name, XXXX XXXX XXXX   and phone number XXXX to contact regarding the medical account. I advised all three collection agents that XXXX XXXX XXXX is responsible for the medical accounts due to my case was closed and any medical expenses are covered by XXXX XXXX XXXX. I called and spoke with XXXX XXXX XXXX  front office rep, XXXX whom received advisal from a nearyby in office paralegal attorney, advised that I contact medical office regarding my account and inform that my case was closed and that all medical bills/accounts should be closed and that if there was a bill due, that XXXX XXXX XXXX   has an agreement with their office, XXXX to send all medical bills/accounts regarding my account to XXXX XXXX XXXX  and not directly to me. I was also advised by XXXX   that this account should have been resolved when they closed my case at XXXX XXXX XXXX. I called and provided this information to the collection agency today, XX/XX/2019 and asked the collection agency if they have the contact information to contact XXXX XXXX XXXX, as I have provided the same information from previous calls over the past week/months in the notes for XXXX XXXX XXXX. Collection stated there are no notes on my account, after I have spoken with 3 or 4 different agents. This is on my credit with all three credit bureaus and I am not responsible for this debt. XXXX XXXX XXXX  stated and also I signed a contract stating XXXX XXXX XXXX are responsible for a medical accounts. The medical office XXXX did not send bill/account directly to the XXXX XXXX XXXX, as agreed in their contract agreement. At the time, the original creditor, XXXX   stated that they sent out letters to my address in XXXX and I was no longer at that address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint re : Capital One Silver MasterCard and their attempt to collect credit from me when they had already received credit from the merchant on a disputed charge last year. They sent me a bill for {$24.00} to repay a temporary credit given last year, but the merchant had already overpaid the amount disputed. They sent me a bill due XX/XX/2018. I have a XXXX balance on this credit card. I want to close it and get one of the ones they offer without an annual fee but it would make my credit score take a hit. They refuse to let me change to a different card with more useful rewards. So I avoid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for Phoenix Financial reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for 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 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I reach out to DIVERSIFIED CONSULTANTS after I saw a negative account on my credit report. I stated to them that I never had an XXXX XXXX XXXX account. Here 's the letter I sent them. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Any documents showing I own this account. ( I never had AT & T ).

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.

Also, I never was given 30 days to challenge the collection.

Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received numerous robocalls and telephone calls on my cell phone from XXXX XXXX XXXX and its collection agency Credence Resource Management LLC for {$78.00}. I had switched internet service to XXXX and terminated this account as of XX/XX/XXXX, but they still demanded payment for XXXX service for two cycles from XX/XX/XXXX through XX/XX/XXXX, after their service had been terminated. 

XXXX XXXX XXXX has an answering service which will not respond with a live operator unless the amount is paid. I refused to pay the amount and XXXX XXXX XXXX made a number of robo-calls on a daily basis during work hours. XXXX XXXX XXXX eventually called through a live operator, and I told him that the amount is disputed ( despite the fact that they had already received their leased equipment back ). They next submitted their claim to Credence Resource Management LLC whose employee called me on my cell phone during work hours, threatening to sue and blackball my credit unless it is paid. Again, I told this person also that this amount is in dispute. Notwithstanding, Credence sent me a letter of collections demanding payment.

This is a small amount and it is much easier for me to just pay it. But I am so incensed by XXXX XXXX XXXX and the threatening tone of Credence that I felt it was necessary to point this out to CFPB and to the public. When I went to the XXXX XXXX to send back the leased equipment to XXXX XXXX XXXX, there was a line of people all waiting to do the same, and they had gone through similar experience of XXXX XXXX XXXX 's wilful disregard for consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I sold tickets to a user XXXX XXXX XXXX at XXXX ) I sent him an invoice through PayPal. He paid me for them, he sent me a message that he got the tickets, and then 29 days later he disputed this with his credit card saying that he didn't authorize the charge. I sent the proof of the email exchanges with me and this user showing he told me he got them. I sent them proof from XXXX that they told me this user claimed them, and told this person was trying to take money back and event was over. They somehow ruled in his favor and took the money back out of my account causing it to be in the negative. I have disputed this with them and told them I wanted to sent further to their escalations department ( or office of the president ) but have not gotten a thing back. I have now received a collections letter in the mail that they have turned me into a collection agency. I am looking for any help. 

PayPal sent the money back to this user from my account. I am requesting my money back. I am not only out the tickets that this person used for this XXXX game but also now the money too. 

I have email exchanges with this user, I have emails from XXXX showing user got the goods as well if needed I can forward on too. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
There is two collections accounts on my credit reports I have disputed on several occassions. They are XXXX and XXXX XXXX. I do not have either of the accounts listed on my credit reports as accounts that belong to me. I have attempted and spoken with the credit bureaus trying to resolve this problem to no avail. The account numbers nor the amounts from these two collection agencies are not listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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 — Problem with personal statement of dispute
Company: CL Holdings LLC
State: MN

Complaint narrative:
My father called this company to get this issue resolved as this number we NEVER had ... but my father passed away and now they are reporting it on my credit. The creditor is XXXX XXXX XXXX. They were unwilling to do anything about this after we informed them this was NOT our number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA

Complaint narrative:
Second Round collection account on my credit reports I have disputed on several occasions. Secound Round collections account.. I do not have an corresponding account number referencing a corresponding number on my credit reports, as this account does not belong to me. I have disputed and spoken with the credit bureaus trying to resolve this problem to no avail. The account number nor the amounts from the collection agencies correspond with any debt listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: MA

Complaint narrative:
What happened? 
your agent XXXX XXXX  was sent emails and certified letter dated XX/XX/XXXX ( confirmed received ) by borrower that advised a payment of XXXX was in the process of being sent The XX/XX/XXXX letter also contained a directive by borrower that when those funds were to pay 20 monthly pre -payments ahaead by month ( XX/XX/XXXX -thru XX/XX/XXXX ) .also borrower and spouse made a total of 4 calls to XXXX XXXX   XXXX 2ce and and XXXX who all assured the payment would be processed in accordance with borrower directive.XXXX stated the monies would be applied but dur datye would not change and it would as months become due as they like draw from the XXXX credit, ,WHAT IS XXXX XXXXHAVE MY MONIES IN ANOTHER ACCOUNT AND SRAWING ADDITIONAL INTREST, THERE SHOULD BE NO CREDIT APPLY THE PAYMENT AS DIRECTED, the problem is it looks like it was applied to principle and does not adavnce due date to the XXXX XXXX..XXXX XXXX   XXXX and XXXX stated the account has a XXXX credit and each month XXXX XXXX would draw off of that .no where in writng does borrower have assirance but XXXX XXXX  word, the account should be above board open and transparent and read due date XX/XX/XXXX and a borrower requests a payment history displaying the breakdowm of payments ( prinxipal and intrest ) for all thoise pre paid months.this internal accounting of my payment i have never seen, when someone pre pays a loan it should display thenext due date, XXXX XXXX  is showing XX/XX/XXXX which is not correct.this business practice is highly suspect and i am taking no one words for how it was applied when i can not see it for my records

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo refuses to own up and face their responsibilities of inflicting pain and suffering to millions of pick-A-payment victims that were so systematically duped by a nefarious and deceitful loan product that to this day Wells Fargo continues to vehemently stand behind. Although the premises of my continued compliant was that Wells Fargo is not reviewing my then current 2010 financial crisis situation and assess whether or not the then 2010 modification offered to me at the time was in fact sufficient enough in providing the necessary relief that was not only needed in order to not default, but that was of the relief offered to other modification applicants with similar financial hardship. With that said Wells Fargo has not adequately investigated or addressed the inadequacies and deficiencies of a 2010 Loan modification offered to me during my most dire time of need. The modification offered was subsequently rejected by me due again to the fact that it provided no sustainable relief as it only place the amount owned/rears onto the current terms of then pick-A-payment loan # XXXX rendering the modification destructive and only self-serving to Wells Fargo as it would have protected Wells Fargo from any legal actions against them had i agreed to the terms and signed their proposed " Modification. '' Please note that a copy of this complaint has been forwarded to Florida 's District Attorney XXXX XXXX for their investigation as the proposed loan modification did not come close to meeting the modification relief afforded to all pick-A-payment class action suit home owners victimized.

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 2019-03-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
sent ftc violation to the creditor and bureau

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 2019-03-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This complaint is against Experian. My credit score is dropping when nothing has changed in my credit report from last month. I even paid off a {$6200.00} personal loan, and my score still dropped. I called Experians customer service. I spoke with a lady from XXXX, I think. This is my second complaint. Why does someone from another country have access 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 2019-03-30 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: AR Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to XXXX XXXX creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and AR Resources Inc reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a XXXX balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 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: IL

Complaint narrative:
I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX/ 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief