vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
This situation has been resolved, but I wanted to report my experience in case other people are having similar problems with this company. 

I received a call on XX/XX/XXXX that the mortgage I paid on XX/XX/XXXX was short approximately {$60.00} - this was due to an escrow underpayment because it had changed the previous month and I was unaware when originally making the payment. They told me that they held my XX/XX/XXXX payment in credit for the past 23 days, and that my payment was now considered late and that I would be charged approximately {$140.00} late fee because of the {$60.00} shortfall on my escrow. After some arguing, they waived the late fee, and I immediately paid the shortfall. I have concerns about the predatory nature of this company on others.

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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A hard inquiry showed up on my credit report from XX/XX/XXXX from XXXX XXXX   and I have never talked to XXXX XXXX. No good phone number to contact. I did dispute with equifax but they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: FL

Complaint narrative:
Perfection collection of Utah continues to dispense adverse information to XXXX/ XXXX . It is my understanding that Perfection collection purchases accounts from XXXX XXXX XXXX. We felt that XXXX back in XX/XX/2015 was supposed to activate our account and provide alarm services to us at approximately $ XXXX/ month. 

Since I have had equipment existing in the house from XXXX, we informed them that all we needed was a key pad change. 

After sending out a tech to install the key pad, I was astounded when I received a bill for over XXXX for equipment! 

Despite my attempt to correct this misinformation, we have not had success. 

Recently, perfection collection in XXXX, Utah purchased accounts from XXXX and now claims I must deal with them directly, despite several attempts to resolve this issue that has negatively impacted my credit. 

To date, we have not been successful. We essentially had no service with XXXX and we felt that they reneged on the contract by not telling us before- hand what the price of installation will be. 

We are asking you to review the above and tell us if you can be of help have Perfection Collection remove the adverse information that negatively impacts my credit report. 

The credit card company, XXXX XXXX investigated the charge and later removed for lack of evidence to support the claim of > {$4000.00}. 

XXXX reputation precedes that as the internet shows numerous customers who were XXXX! 

Working with other credit companies was not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had request my daughter to remove her name off my checking account, I was told she removed he name from my account XX/XX/XXXX, so I would not have to open a new account. 
Also I remover my child as power of Attorney over my checking account. Documentation was provided to the bank. 
At no time did Chase Bank Manger, located at XXXX XXXX XXXX, XXXX, Texas tell that someone could assess my account on line- I told him several time that I was a XXXX person of XXXX, and my child had be using my account as her personal account and I wanted it stopped. He laugh about the matter. 
He never told me an app and my account had on-line assess ad of XX/XX/XXXX. 
THE manager has done every thing in his power not to stop my account from being abused. 
). However, that has been a on-line scam set up on my account through XXXX, every two weeks money is being drafted out of my checking account without my permission. I want my money put back into my account as of today. Otherwise, I will call the police and make a report and take legal action against this bank. XX/XX/XXXX ( amount of XXXX ), XX/XX/XXXX ( amount taken from account XXXX ) again XX/XX/XXXX ( XXXX ), XXXX told me the person is removing money from the checking account though a website. My XXXX card was cancel. that I want all on-line bank assess to my checking and savings closed that include all Apps. No one should have any apps or on-line back XXXX to any account at this point. Chase refused to stop the online banking on my acount. 
I ask for a print out of the account, he refuse to give me one until I told him I had concern. he gave me a print out but without who was pulling money from my account. 
Next, after calling U.S. Department of Veterans Affairs, a insurance check was deposit into a saving account without my knowledge ( check amount {$10000.00} ) XX/XX/XXXX. I have no knowledge of every having a saving account with my name on it during this period of time. But and investigation has started. Who set up a saving account in my name in XXXX, I have no knowledge of Chase giving me information about a saving account. 
Chase Bank in XXXX is helping to abuse my account and will not give me correct information on the account, I want this matter look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I had a vehicle that was totaled on the same day as the car note payment for that month ( XX/XX/XXXX ). I purchased full coverage through XXXX XXXX AND total loss protection ( gap ) insurance through XXXX XXXX XXXX XXXX XXXX. when I bought the car in spring of XX/XX/XXXX. I filed a claim immediately and my car was signed over to XXXX XXXX  so they could handle the claim in its entirety. Now, Ally Bank has claimed that I've owed them {$330.00} ( which I don't understand because my payments were only {$230.00} a month ) and this has plummeted my credit score from a mid 700 to a low 500.  I've been trying to resolve this for almost two years now and when I tried to call Ally about it, they either ignore me, hang up the phone, or keep me on hold for hours. I have submitted documentation of my insurances and a letter from my agent stating that XXXX XXXX took ownership of the vehicle, yet there still remains TWO " XXXXcharge off '' marks on my credit score for this same issue. From my research and understanding, once you get one " charge off '', that's supposed to be the indicator that a company has given up on trying to collect from a consumer directly and has sent the payment to collections. They also lied and said I paid them and was in good standing for three month of XX/XX/XXXX. The information is inconsistent and scattered and incorrect across all credit reporing agencies and I need it off my credit report entirely.

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 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: IL

Complaint narrative:
I paid a debt collection off in amount of XXXX. File number XXXX. XX/XX/2018. The name of the company is NCC Business Services. NCC Business services refuse to remove the collections off of all of my three credit reports saying to me the credit burea has to do it. It is not fare to me. The collection has paid in full and remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote to the bureaus asking them to remove a Late payment from my credit report which reported a 30 days late payment in XX/XX/2018 as a Goodwill/ Courtesy, being as I was never late in paying this account and I encountered some serious financial issues at that time. I want to apply for a mortgage loan and this is affecting my credit scores. I have been writing to them about removing this late payment since XX/XX/2018 and they refuse to be courteous in doing so.

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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
XX/XX/2019 A lady called my work, demanded to speak to myself. My co worker asked to take a name and number she told her name and the company she was with XXXX XXXX. I called her back, she was very hateful telling me that if I didnt pay this {$120.00} I will be sued and my wages would be garnished, asked my why it wasnt paid, why did I let it get this far into collections, I advised her I wasnt aware it was turned over, she said she will be taking legal action if it wasnt paid today. I told her well I dont owe you I owe the hospital, she said well now u owe me. And you need to pay up. I got mad and hung up on her bc she called my work to begin with instead of my cell phone. She then attempted to call my work again several more times. Within the next few days, several times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
I was charged {$96.00} for a diagnostic repair on XX/XX/2019. The amount of {$96.00} was paid the same day to the technician. I received an email confirmation. However, sometime sss the XXXX company sent me multiple invoices saying I still owed. I told them on multiple conversations that I had already paid the debt in question in full. They told me I had to prove that I had already paid my bill. I explained that I complete my fiduciary duty when I paid for their services on XX/XX/2019. I also purchased a new {$700.00} replacement dryer from XXXX months after paying for the diagnostic repair. 
It is unethical and careless of XXXX to force a paying customer to prove that they paid for a service, where they were the ones responsible for sending the invoice. Had I not been a responsible consumer and kept up with the invoice/receipt from 5 months ago, I might be responsible for paying this inaccurate debt. XXXX sent this debt to collections after being told multiple times that the debt had been satisfied.

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 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In applying for an American Express Everyday credit card which offers 0 % balance transfer for 15 months and {$0.00} fee for transfers ( which was approved ),  no where in the online OR written agreement that is sent with the card does it stipulate that the maximum amount you can transfer a balance is 75 % of your limit or {$5000.00}, whichever is reached first, which is what I'm being told is the policy. My limit is {$20000.00} and they are saying I can only transfer {$5000.00}. This IS NOT disclosed anywhere in the written agreement that comes with the card OR online which their representative acknowledged on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I purchased a credit report from Experian. I then cancelled the account. Experian acknowledged cancelling the account on XX/XX/2019, but keeps billing my credit card. They won't take my calls.

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 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC
State: NY

Complaint narrative:
Dear CFPB, I am a hospital resident in training at New York XXXX Hospital in XXXX. I am not aware of owing any debts ( I just had a loan officer confirm this ), but this is beside the point. " Arcadia XXXX XXXX XXXX  '' has been calling me on a non-private hospital line that is supposed to connect doctors to the resident work space. It is a line shared by all the residents and a very busy one for communicating vital healthcare information. 
How Arcadia got this number I am not sure, but I have told them to stop the first time. This is the second call I know about. Interrupting a hospital service for a private matter is completely unprofessional, and if my admonishment won't stop them from doing this again, I hope you can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had inquired about a camper from XXXX XXXX of XXXX. I gave them permission to pull my credit. I was unaware and did NOT authorize them to send out credit pulls to the follow banks ; XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I now have all of these hard pulls against my credit that I did not authorize!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I received notice from XXXX that this creditor reported a collection on my report. I dont know this company and they have never contacted me. It is against the law to report information to the bureaus without it being validated. I have never heard of this creditor nor have they ever contacted me. Without validating I have any business with them they are breaking the law and I dont owe them nothing. So they need to remove this debt from my report ASAP or Id like to file charges against them for reporting wrong information to a third party in an effort to discredit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a tax refund check for {$4300.00} from the US Treasury. I deposited it in my Bank of America checking account through a local Bank of America ATM. When I view my account online, it correctly shows that the deposit was made on XX/XX/XXXX ( 2019 ). Today is XX/XX/XXXX. It states that the funds ( the full {$4300.00} ) will not be available until XX/XX/XXXX. 
I am dismayed at this delay. This is a US government check which should be reliable, and it is not for a large amount. There is nothing unusual about the check or the transaction or my account ( which I've had for many years ). Even with the intervening XXXX XXXX holiday on XX/XX/XXXX, this delay in the availability of my money seems highly unreasonable. And it is a far longer delay than described in general terms on the CFPB website. I assume Bank of America does this routinely to customers, getting " free '' use of customers ' money with an unnecessarily long float time. What can be done?

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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is attempting to collect on debts I do not owe, these were written off by my doctor 's office as hardship. The accounts they are attempting to collect on are # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I do not owe these debts they were written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
XXXX XXXX refused to reply to several letters mailed and hand delivered to them by me. By their own records the amount is incorrect and they refuse to correct. They ( XXXX XXXX ) Confirmed to Receivable Management Systems incorrect amount and that I will at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived in PA. Receivable Management Systems refuse to comply with the Fair Debt Collections Act after providing them with a cease and desist letter with 30 of letter denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a collection account reporting on my account that doesnt belong to me I have repeatedly disputed this with the bureaus and all bureaus have removed account except Experian is stating account came back as verified but Im not sure how this is possible because I have requested proof of validation with my signature and have yet to be provided the information that they are reporting as correct

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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
Stenger and Stenger have filed a case against me my local district court. Stenger and Stenger claims that I owe {$1200.00} for a XXXX XXXX Credit Card. They are suing on behalf of XXXX XXXX. 

On XX/XX/XXXX I was mailed a letter front XXXX ( collection agency ) on behalf of XXXX XXXX and it clearly states that I am not financially responsible for that account. The credit bureaus have also investigated the matter and have deleted both XXXX XXXX and XXXX XXXX my from credit file respectfully. Deletions occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Requested validation of debt sometime in XX/XX/2019, received a response on XX/XX/2019. The response was only a print out of services and included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Debt Reduction Services, LLC
State: MA

Complaint narrative:
I received an official looking notice with an exterior label entitled " Credit Card Settlement ''. Inside this company implied that I had outstanding debt in collections and that I must contact them within 10 days to avoid an increase in debt due to interest and possibly fines. 

This is a high pressure and misleading notice, as I do not have any delinquent accounts. If this is not a prohibited advertising tactic, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I have a collection account reporting on my account that doesnt belong to me I have repeatedly disputed this with the bureaus and all bureaus have removed account except XXXX is stating account came back as verified but Im not sure how this is possible because I have requested proof of validation with my signature and have yet to be provided the information that they are reporting as correct

Company response to consumer: Closed with explanation