vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I received a derogatory mark on my credit report for supposedly failing to pay {$1700.00} for an emergency room visit from XXXX XXXX XXXX XXXX XXXX. The collection agency is COMNWLTH FIN and I told them this has to be a mistake because I haven't been to an emergency room for over 5 years and I never got any explanation as to what these charges are for. Also, they have recently changed the amount that they said I owed. It originally was at around {$900.00} ( if I remember correctly ) and then months later it jumped to {$1700.00}. This has lowered my credit score and made it very hard for me to get credit for my small self employed business. I am helping to raise XXXX kids with my girlfriend and I can't afford to pay a debt that is either from 6 or 7 years ago but is just now being reported or that isn't mine at all! So far they have not been able to explain to me specifically what these charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
On XX/XX/2019, I completed a blanket online refinance inquiry form. Upon completing it, I immediately received a call from XXXX XXXX from Amerisave Mortgage. He briefly explained how Amerisave was voted number 1 in customer service and how they could best service our refinance. He described how, if we agreed to the terms by the end of the evening, we would receive our appraisal fee back at closing. He also camouflaged our fees, stating that it was " basically like a free mortgage '' because we would be getting some money back at closing. Their rates were very competitive so we agree to move forward. Communication was okay up to the date of our appraisal. The appraisal was terrible. In no way it even remotely acceptable. I contacted Amerisave and spoke with XXXX XXXX, XXXX assistant. ( After the initial conversation, I never heard from XXXX again ). XXXX reviewed the appraisal and agreed that the comps were not appropriate and said he would request that it be reviewed. He instructed us the next steps and told me to get CMAs from real estate agents as evidence. The next day, I received an online notice that our loan had been denied due to incomplete information. At that point, all communication stopped. I reached out to the appraisal company and got a second appraisal, it did improve but was not where it should have been so I had two real estate agents pull rolling CMAs and they both came in about where we should have been. I submitted all of this information and never received a response. After weeks of calling, emailing, and leaving voicemails, I finally got a hold of XXXX 's boss, XXXX XXXX. He was very apologetic and ensured me that they would get us taken care of. He stated XXXX and XXXX would be held accountable for their behavior. He would be handing out file over to one of his direct reports and I should hear something by Monday. He promised that we would get our loan reopened and reviewed in hopes of having it funded. We have never heard another word. Neither did the appraisal company. I had to send over a copy of the screen shot or our loan denial due to " incomplete application '' to finally get a copy of the appraisal we had paid for ( {$500.00} ). Amerisave gave false promises, lured us in under false pretenses, and failed to follow through on their side resulting in the loss of a consumer 's {$500.00}, countless hours, and the clean up confusion with our current mortgage companies expecting to be paid out. This, next to a rental car company, has been the worst consumer conspiracy experience we have ever encountered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Comerica
State: AZ

Complaint narrative:
My son asked for me to cosign a {$35000.00} loan for a boat which he agreed to pay. Reason being that his credit rating was very poor. I expressed doubts that my good credit will be of help because of my low income. He assured me that he had talked to a friend in Comerica Bank and that there will be no problem. My credit rating has been around 810 for the last 30 years. Loan was approved and the Bank presented me with documents to sign. I failed to see that the Bank made me the Principal. To the best of my understanding my son 's income hoovers around {$100000.00} year. He has told me that he is 51 % owner of a company that invoices around {>= $1,000,000} per year with an approximate profit of about 7 %. He also told me that his credit rating was poor. My total income is {$29000.00} consisting of SS and two small pensions. I'm XXXX years old. My son has paid for the loan since the beginning but very inconsistently. There has been numerous late payments. The bank has sent me numerous letters regarding these late payments. I have redirected their attention to my son. Comerica Bank has ignored my requests. Comerica Bank has now re-possessed the Boat. It's my understanding that I'll be sued for whatever moneys are not recovered by the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My complaint especially with Experian and the others also is screwing me over when I apply for a new credit card.They deem to presume my ability to be able to control my finances .I am XXXX retired worked at same job 32 years.lived at current address for 54 years, never bankrupt I have 3 bank accounts, a savings account 3 cars 1 paid 1 almost paid.1 two thirds paid All have value a XXXX XXXX XXXX XXXX, a XXXX XXXX, I have stock, I have health Ins.I have a pension Im sorry for the next but there is no other way to say it I want the XXXX to leave me alone and get out of my life I have had credit for 50 years. When I try to get a new credit card they don, t send my 40 + page file showing active or inactive accounts ALL PAID NEVER LATE no they send a letter to the banks saying I am over extended My credit has always been a pride for me, no one has ever lost a penny on me.I read on internet where some one like myself sued aforementioned " XXXX XXXX '' and won a lot of money but the XXXX judge lowered it.I just  wished I were younger.And they send me E mails recommending credit cards They have my history they don, t even know I have these XXXX cards.THIS IS A CONFLICT

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 2019-09-15 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: TCF NATIONAL BANK
State: CA

Complaint narrative:
I have requested copies of any and all contracts with the company and none have been produced to evidence that I have an account with the company and I never executed a contract with the company. The mail sent to the address listed on two bureaus is returned as undeliverable. The company reports on my credit report ALL of the following as the status of the alleged account : Closed - charge off but continues to report FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On another Bureau - the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt placed for collection & Skip as well as FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On the third bureau the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt These actions are all inconsistent with one another. I have attempted to investigate this company and it appears that it went out of business therefore the reporting can not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Syncrony bank has added unemployment insurance to my card without my knowledge. I don't want this insurance as my minimum payment has only gone to the cost of insurance every month. To cancel the insurance it's near impossible. I am requesting a refund and it be taken 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 monetary relief
Consumer complaint received 2019-09-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I believe that an old account I had with XXXX XXXX and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.

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 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pioneer Capital Solutions Inc
State: CA

Complaint narrative:
Pioneer has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees which shall be determined for taking time to address these issues. Violations committed against me include but not limited to : ( 1 ) Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission. ( 2 ) Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. ( 3 ) Violated 15 USC 1692d ( l ) ; Attacking my reputation, accusing me of owing an alleged debt to you. ( 4 ) Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval. ( 5 ) Violated 15 USC 1692f ( l ) ; Attempting to collect a debt unauthorized by an agreement between parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: NY

Complaint narrative:
I believe that an old account I had with XXXXXX/XX/XXXX and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXXXX/XX/XXXX XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXXXX/XX/XXXX has with each credit reporting agency respectively.

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 2019-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I believe that an old account I had with XXXX XXXX  and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019-30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-09-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I believe that an old account I had with XXXX XXXX  XXXX XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX   XXXX XXXX has reported the account as a permanent charge off status, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX   has with each credit reporting agency respectively.

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 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
How can this be re-inserted without proper notification? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX has incorrectly reported me late beginning XX/XX/2019 thru XX/XX/2019, and XX/XX/2019. Wells Fargo has incorrectly reported my credit payment history as past due when I was never reported 30 days late in my statements while I did always pay in the past due window. Payments always overlapped due dates and often I paid 29 days late. I may have been late once but the Wells Fargo Statements DO NOT reflect the actual dates payments process AND Wells Fargo somehow kept my account negative and did not reflect the payment, even though I was 0 to 29 days late only. Payments came out of my personal Wells Fargo checking 'instantly ' yet sometimes Wells Fargo XXXX would take 3-5 days to reflect the payment in my credit account. Wells Fargo also took over 50 days to respond to my dispute from XXXX and did not address anything in my dispute. Wells Fargo has also refused to give me an accounting of my records and has also refused to provide me anything but statements, of which I am contesting because they incorrectly report my payment due dates. I have bank records showing instant payment transfer dates, yet XXXX wouldnt process them in a timely manner.

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 2019-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I believe that an old account I had with XXXX XXXX  XXXX XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX   XXXX XXXX has reported the account as a permanent charge off status, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX   has with each credit reporting agency respectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I would appreciate a settlement letter from Macys pertaining to a {$430.00} account that was charged off several years ago. Macys has not sent an updated statement for years, and I believe that I can make restitution to this account quickly if properly communicated with. Therefore, I go through the CFPB to get the attention of Macys.

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 2019-09-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has incorrectly reported me late beginning XX/XX/2019 thru XX/XX/2019, and XX/XX/2019. XXXX XXXX has incorrectly reported my credit payment history as past due when I was never reported 30 days late in my statements while I did always pay in the past due window. Payments always overlapped due dates and often I paid 29 days late. I may have been late once but the XXXX XXXX Statements DO NOT reflect the actual dates payments process AND XXXX XXXX somehow kept my account negative and did not reflect the payment, even though I was 0 to 29 days late only. Payments came out of my personal XXXX XXXX checking 'instantly ' yet sometimes XXXX XXXX XXXX would take 3-5 days to reflect the payment in my credit account. XXXX XXXX also took over 50 days to respond to my dispute from TransUnion and did not address anything in my dispute. XXXX XXXX has also refused to give me an accounting of my records and has also refused to provide me anything but statements, of which I am contesting because they incorrectly report my payment due dates. I have bank records showing instant payment transfer dates, yet XXXX wouldnt process them in a timely manner.

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