vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
This is my 3rd complaint with this company. 1 complaint filed with XXXX and 2 with cfpb. I 've requested multiple times for this company to validate this debt. They claim they sent me a letter a few years ago and one recently. I filled for investigation on this company in XX/XX/XXXX. Its been over a month. They have made no attempts to reach out to me. I recently denied a line of credit due to unverified account being reported that i was unaware of. 
Im extremely frustrated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Portfolio Assets
State: AZ

Complaint narrative:
A family member 's phone number was called by a man named XXXX XXXX who said he worked for XXXX XXXX XXXX and at first said they needed to speak with me or to my attorney in a message on their answering machine. When I was played the message, I contacted them after doing a web search of the phone number to discover they 've been harassing other people into paying old debt that has gone past the statute of limitations, supposedly scamming them, and even gone to the length of harassing people just because they have similar names with people who incurred debt. I even listened to some of what they had to say and did not recognize names of any companies or addresses but the year they named being 2006 of when the debt began. That would make it well over 10 years for whoever incurred it and that goes beyond the fair debt collection practices of 7 years which would make it time barred. I feel sorry for the people they 're still seeking to do that to, there are laws in place meant to protect the consumers after so many years have went by and this creditor is violating those laws.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I have an account that is showing in collection status for a former debt owed to HSBC XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender HSBC.

I dont owe the bill twice and ask that the HSBC showing as collections from another law firm for HSBC be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this HSBC bank was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a complaint on XXXX with XXXX XXXX XXXX and also with Transunion for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.

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 2017-10-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a complaint on XXXX with Equifax XXXX XXXX and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: PA

Complaint narrative:
Transunion will not give me my free annual credit score and report on-line. I stress " ON-LINE ''. Transunion tries to FORCE me to send my personal info via USPS to them. They are trying to force me to pay USPS postage and use my envelope. I will not do this because I do not want my info stolen and used for identity theft. Transunion has boiler plate Form 950 they mail to me via USPS informing me to fill it out and return it ... I say NO, I WANT MY REPORT ON-LINE, not in the USPS! 

I get my free annual report from XXXX & XXXX  on-line in minutes. Transunion is a scammer company. They have me fill out all the info on-line, submit. A pop up replies, " we 're sorry, no information exist about you ''. Yeah right, that 's why XXXX XXXX informed me that Transunion gave me a lower score then XXXX & XXXX, it is XXXX V/S XXXX. Transunion has been playing this game for years with me. It 's time Transunion is forced to follow the law and give me my FREE annual credit report on-line! 

Please, do not just tell Transunion to contact me. All they do is mail me their Form 950 Their game playing must stop! Again, please do not just contact them or I will have to contact the CFPB again and again and again. I will not stop complaining until Transunion gives me my free annual report and score electronically on-line, I will not stop complaining until they do allow me to get it on-line!

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 2017-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
We have been requesting to remove the Mortgage Insurance Premium on this account which was sold by Bank XXXX XXXX XXXX XXXX Mortgage in XXXX. 
On XXXX XXXX, XXXX, we were denied this request, as XXXX Mortgage said our mortgage balance needed to be {$330000.00}. 
On XXXX XXXX, XXXX, we made a {$9500.00} payment to the principle amount to meet this requirement and XXXX erroneously applied the amount to monthly payments and escrow accounts. 
On XXXX XXXX, we requested this to be corrected. Called again on XXXX XXXX, they said it would be corrected by XXXX XXXX. 
Called on XXXX XXXX, they said our request for correction applying {$9500.00} to principle was denied and they would send it again for it to be corrected in XXXX - XXXX hours. It was finally corrected XXXX month after they mis-applied the funds. 
We requested once again for the mortgage insurance premium to be removed ... .and on XXXX XXXX, XXXX, we got a letter saying that the MIP was cancelled on XXXX. The final premium was disbursed on XXXX XXXX, XXXX. The monthly mortgage payment will be adjusted. A revised billing statement will be sent. 
XXXX XXXX - I called XXXX to get the revised payment amount and they did not show any change. They said I had to fill out a request to get this updated with the escrow analysis. It would take 14 days to hear back from them. 
XXXX XXXX - I called carrington again, and they have no record of my request last week to perform the escrow analysis. Now I am being told that it takes 60 days to perform an escrow analysis. I am required to keep paying the MIP until then. They claim anything being overpaid will be refunded, but I am not confident in their integrity as they have changed their story on me every single time I 've called and interacted with them. 
This company feels fraudulent and I feel like I have no recourse. Please help! thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
Wakefield and associates of XXXX, Colorado, has been attempting to collect a debt from me for one year. I have never received proof of the debt in writing They have called me multiple times during the day and evening. They have argued with me and have said they do not need to send paper proof of debts. The collection reported on my credit report does not match the amount they are seeking.

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 2017-10-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my 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 explanation
Consumer complaint received 2017-10-11 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: GA

Complaint narrative:
See attached settlement letter .... Yet this CollectionXXXX Account is shown on my credit bureaus for debt owed to XXXX XXXX Nevada although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.

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 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed a credit card account ending in XXXX from Capital One in XX/XX/XXXX. I paid the balance off and received a refund check in the amount of {$2.00}. However, 5-6 months later I received a notice that I had charges on that account. I did not authorize these charges and do not understand why they were there. I have contacted Capital one on several occasions, culminating with a letter dated XX/XX/2017, where I asked them to 1 : Confirm that the account is closed as requested 2 : Remove any fraudulent charges on my account and remove the negative comments on my credit report 3 : Due to the stress of this situation and its impact on my credit score, resulting in me getting denied a credit card with a better rate due to my credit score. I am asking for {$1000.00} for the hardships of this situation. 

Currently I have a balance of {$100.00} and they have notified the credit agencies that I am late on this payment. This should not be happening

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
This complaint is for XXXX written dispute sent XXXX/XXXX/XXXX requesting removal of XXXX credit services based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from XXXX  stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof XXXX should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. XXXX is allowing XXXX to violate XXXX laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
They XXXX 's said they closed my card out now saying no but basically holding me to things I never ordered received n refusing to close the account I 'm now getting threatening letters to take action vs a  identity theft victim XXXX which is wrong.i do n't owe XXXX 's n they sent me letters stating so I do n't know what their new position is but it 's not gon na fly vs me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: FL

Complaint narrative:
credit card from fl. XXXX XXXX had an agrement to take {$150.00}. out of my checking acct. very month, on XXXX/XXXX/XXXX they took it out but also on the XXXX, they took unarthorize amount of {$750.00}. have called over a week said no money then said would credit wish they have not done. it made my checking acct. to be overdrawal {$750.00}, can u help 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 explanation
Consumer complaint received 2017-10-11 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: GA

Complaint narrative:
See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX XXXX XXXX although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.

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 2017-10-11 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: GA

Complaint narrative:
See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX Bank Nevada although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TRANSUNION CONTINUE TO LET INQUIRIES BE SOUGHT ON MY CREDIT WITHOUT MY PERMISSION. THEY DELETED A SERIES OF INQUIRIES AND NOW THERE ARE SEVERAL MORE SHOWING EVEN THOUGH I HAVE SECURITY FREEZES IN PLACE. THESE ARE A LIST OF UNAUTHORIZED INQUIRIES. I HOPE THEY FIND THESE INQUIRIES UNAUTHORIZED AND REMOVED IN A PROMPT MANNER.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Constar Financial Services, LLC
State: FL

Complaint narrative:
For a little over 6 months now, I have been receiving calls from Constar financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at Constar Financial, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her director both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of Constar financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XX/XX/XXXX and I am only responsible for the payments from XX/XX/XXXX. My credit score has dropped drastically.Wells Fargo should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). 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 non-monetary relief