vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX, OH XXXX In 2016 I was covered by my husband 's employer sponsored medical insurance, XXXX XXXX XXXX XXXX of Illinois. 
He was directly reimbursed {$760.00} for my XXXX ride by XXXX XXXX XXXX XXXX. Check was SOLEY in his name only as he was the employee. He deposited the check in his checking account but REFUSED to pay the bill. As my husband was the guarantor of my medical bills, ( as he was the sole breadwinner at the time as well as providing for my medical insurance through his employer, XXXX XXXX XXXX ) he is liable for this debt. 

This is showing up on my XXXX Credit Report with a date of XX/XX/2016. 
Phone calls to FFCC and online disputes have proved futile. Additionally, I have made a complaint to the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a 0% APR balance transfer for the duration of a year on my account. I have been paying off each month this balance. On the month of XX/XX/XXXX I made some purchases on my car, which were posted on my most recent statement issued on XX/XX/XXXX. On that statement Discover is charging me interest for this purchases. Since the APR is 0% for a year, and this purchases were posted on this recent statement which is still not due until the XX/XX/XXXX, I should not been charged any interest. I called Discover on XX/XX/XXXX regarding this. I spoke first with an agent which could not give an explanation, and after that I spoke with a supervisor name XXXX which did not provide an legitimate answer. He claims that because I am carrying the 0% APR balance transfer, but then I made regular purchases, because I did not paid the full balance on my last statement, (which by the way, did not include the regular purchases, then I was charged interest for the most recent purchases which were posted on this statement issued on XX/XX/XXXX, not the one issued on XX/XX/XXXX. I should not be subject to any interest since the balance transfer is a different category subject to a 0% APR. This recent purchases are subject to my regular APR but were posted on this last statement which is not due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CA

Complaint narrative:
TRANSUNION, THE XXXX OWNED FOR PROFIT COMPANY ENJOYS VIOLATING THE FAIR CREDIT REPORTING ACT ( FCRA ) WHENEVER IT SAVES THEM A NICKEL AND THEY CAN GET AWAY WITH IT. 
IN MY CASE THEY DAMAGE ME ; ILLEGALLY ; THEY HAVE PREVIOUSLY RECEIVED DISPUTES AND CFPB COMPLAINT AND HAD THE 30-45 DAYS TO REMEDY BUT THEY DON'T DO IT.THEY HAVE A LOT OF XXXX WORKING FOR THEM THAT TAKE THE LOW PAY JOB VERSUS THE ALTERNATIVE OF SELLING THEIR CHILDREN IN ORDER FOR TU TO IMPLEMENT '' THE WORK ''. 
I HAD 5 ( FIVE ) US DEPT OF EDUCATION SCHOOL LOANS ON ALL THREE BUREAUS, THAT WERE NOT MINE ; NEVER WERE MINE ; HAVE NO CONNECTION TO ME WHATSOEVER, OTHER THAN THEY ARE ON MY CREDIT REPORTS AS ERRORS OF THE DEPT OF ED OR IDENTITY THEFT. SINCE THERE HAVE BEEN A MOUNTAIN OF VERIFICATIONS IN RECENT MONTHS, I DEDUCED THAT IT WAS IDENTITY THEFT AND FILED THE REPORT WITH THE FTC THAT PERTAINS TO THE FCRA REQUIREMENTS REGARDING ID THEFT. 
SINCE THAT TIME XXXX HAS REMOVED ALL 5 LOANS, XXXX HAS REMOVED 4 OF 5 LOANS AND TRANSUNION, THE COMPANY THAT LOVES TURNING 30 DAY INVESTIGATIONS INTO 45 DAYS IF YOU GIVE THEM A PAPER WITH YOUR NAME ON IT, AS ADDITIONAL INFORMATION ... ..TRANSUNION, ... ..THE SLOWEST OF ALL 3 COMPANIES, THE ONE THAT LOVES THEIR MONEY THE MOST, HAS REMOVED ONLY TWO OF THE 5 FRAUDULENT ID THEFT LOANS ... 
THE TWO XXXX DOLLAR XXXX LOANS ARE MINE.IT IS OBVIOUS.THEY HAVE A PERFECT PAYMENT RECORD. 
WHILE VENTILATING HERE, I HAVE NOT LET GO OF THE THOUGHT OF LAWSUIT FOR THE " EASY '' case against Transunion  for seemingly endless false credit reporting on me ... maybe my parents will pay the attorneys for the recouping of damages.

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 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I noticed my credit score drop. When I Iooked into my credit report, I found this account on there. I tried calling the company to notify them but they have not responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had direct deposit of my paychecks at Well Fargo Bank in XX/XX/XXXX. At some point I had incurred a large charge for one insufficient fund item. Before I knew it 5 or 6 very small checks hit and as a result of the unknown debit for the service charge. Result 6 more service charges. I switched the direct deposit because the service charges were larger than my paycheck. In XX/XX/XXXX, I received the first call from a collection agency. I told them that I would only deal with the original creditor. Over subsequent years the debt was sold to a different collection agency, and then later to a third one. Yesterday, I got a call from a blocked number telling me his name was " XXXX '' and the he was a private processor attempting to deliver me a summons for a civil suit in XXXX County against me. He gave a number for a so-called XXXX XXXX XXXX XXXX XXXX and a case number. ( The case was actually non existent, according to XXXX County. ) When I called the number a " secretary '' answered and asked for my " case number ''. I asked to speak to the " attorney '' handling my case. He told me that a suit had been filed against me for {$3300.00}. When I began to ask more questions such as how the amount was calculated the " attorney '' became evasive. He told me he recognized that I was trying to " set him up '' or that I was " fishing for information ''. I informed him that by Texas law the amount in dispute is way beyond the statute of limitations and is unenforceable. He became quite nervous and defensive and told me he did not want to say anything else and hung up the phone.

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 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the attach documents showing the  creditors pulling my credit more than once in the same day

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 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I HAVE PREVIOUSLY ASKING PORTFOLIO RECOVERY COLLECTION COMPANY TO REMOVE MY PHONE NUMBER SINCE THEY CONTINUOUSLY CALL ME. TOLD THEM MY ADDRESS AND THEY CAN COMMUNICATE THROUGH THE MAIL WITH ME. TODAY, XX/XX/19, I RECEIVED A CALL FROM PORTFOLIO FROM XXXX AT XXXX XXXX. AND ADVISED THE REP THAT SHE BROKE THE FDCP OF CALLING ME AFTER I REQUESTED MY NUMBER TO BE REMOVED. HER REPLY TO ME WAS THAT WELL I HAVE YOU ON THE PHONE NOW AND WE CAN DISCUSS THIS MATTER. I HUNG UP. I DO NOT WANT THIS COMPANY CALL ME AND NOW I WOULD LIKE TO BE COMPENSATED FOR THE HARRASSMENT FROM THIS thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I opened an account with XXXX XXXX XXXX internet to be installed. They do a credit check in order to ensure the customer would be of no concerns. That's no problem I understand that. Yet, when I receive the letter from XXXX XXXX XXXX stating my credit score is XXXX when in fact I know it is not its way too low. I looked into the credit agency where they have been known to lower your credit score by 200 points! Sagestream was, therefore, stating my score is XXXX when in fact XXXX  says it's XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have two Chase Business credit cards, opened as a sole proprietorship with my own social security number. Both account are associated with the same login and same personal information. I opened the second account recently and received the card this Monday ( XX/XX/2019 ). Today ( XX/XX/2019 ) I received a call from someone I know that they received a call from Chase Fraud Department asking for verification of my account details. I called Chase and spoke with them about this, and they confirmed several details : -There was no suspicious activity on the account -They call numbers from a third party database that they believe are associated with the account owner -They admitted to calling the number -They admitted to revealing the specific product I have -They admitted to revealing the last four digits of the account number Other information may have been revealed as well, but I was not on the phone call. I never authorized Chase to call others to verify my identity or reveal the specific account that I have, the last four digits of the account, or any other information they may have revealed. All of this was revealed without verifying the identity of the person they called. Depending on the numbers they call that are " associated '' with me and the information they reveal, my safety and security will be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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 took out a 60 month installment loan in XXXX with Wells Fargo Bank. At the time, I provided Wells Fargo with my home address at XXXX XXXX XXXX, XXXX, IL XXXX. I still live at this address to this date. I made each installment loan payment on time since inception. In XX/XX/XXXX, as I was approaching the final installment payments on this loan, I stopped receiving statements in the mail. When I realized that Wells Fargo had failed to send me statements to my address, I called the bank in XX/XX/XXXX to see what had happened to my statements. Wells Fargo customer service informed me that they had sent my statements to an address in Florida. When I inquired as to why, they could not provide an explanation. I stated that did not live in Florida and still resided at my address of almost 30 years in XXXX, IL. I stated that I wanted to pay off the entire balance of the loan immediately over the phone, which I did, and to have them correct any erroneous late fees AND any late payments they had reported on the account with the three major credit bureaus, XXXX, XXXX, and XXXX. Customer service took my payment paying the balance off and stated that they would make sure that any late payment reporting to the bureaus would be corrected and the account would reflect timely payments, as the problem had been created through their error. I followed up on XX/XX/XXXX by checking my credit reports with all three bureaus and the problem was not corrected. I was still being reported 30 days late for XXXX and for XX/XX/XXXX. I contacted Wells Fargo and was eventually transferred to the Office of the President where I was told that they were refusing to correct the late payment reporting. I am seeking to have my report corrected to reflect timely payments for all payments including XXXX and XX/XX/XXXX. I paid ALL payments timely and was receiving statements to my address in Illinois for the entire term and NEVER requested that they mail statements anywhere else. This is clearly the bank 's error, to which they admitted and promised to fix, when I made my last payment over the phone to pay off the entire remaining balance.

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 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a checking account with HSBC based on the promotion offer I received. hsbc.com/XXXX The promotion is {$370.00} bonus if 1. ) I open the account by XX/XX/2019, 2. ) Keep {$10000.00} for 30 calendar days, and 3. ) maintain the balance for 90 calendar days.

I even received a confirmation from HSBC online rep that I should receive the bonus. Attached in this complaint.

I deposited {$10000.00} on XX/XX/XXXX, and maintained it for beyond 90 days. I did not receive my bonus. Since I fulfilled all requirements, i called HSBC and asked about why I have not received my bonus, they told me ( according to their " investigation team '' ) that because I had an account with them for the past three years, therefore, I am not eligible for the bonus. I did not have an account with HSBC for the past three years. I asked the representative on the phone to provide me documentation to prove I had an account with HSBC, they gave me the run around and said I need to request it online.

I am filing this complaint because HSBC is deceptive in this marketing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp
State: CA

Complaint narrative:
I applied for a home loan purchase with XXXX XXXX XXXX   and received a pre-qualification from their lender Home American Mortgage of XXXX. My initial home purchase choice was their XXXX XXXX priced at XXXX. On XX/XX/XXXX I received call from XXXX XXXX  (Home Loan Originator) who thought she was contacting XXXX XXXX (Sales Associate) stating "There is no way we will give her this loan for XXXX  I told her we will only give her the XXXX". When I told her she was speaking with XXXX  she then backpeddled and stated that she thought she was calling XXXX  and she would have XXXXXX/XX/XXXX contact me. I accepted their terms of offering me the XXXX XXXX as she stated that was what I qualified for. I provided all of my documents on XX/XX/XXXX and my credit was pulled on that date. My deposit was received on XXXX XXXX 2019. I have signed docs and as of XXXX XXXX, 2019 I received a call from both XXXX XXXXXXXX (Home American Mortgage) and XXXX XXXX (XXXX XXXX   XXXX) stating that are withdrawing the offer and denying loan. No new information was provided they same information they had at the beginning (XXXX XXXX, 2019) is the same information providedXX/XX/XXXX XXXX, 2019. They are holding my deposit of XXXX and XXXX   processing fee. As an XXXX XXXX, single woman I am being treated unfairly in comparison to others seeking housing. They have consistently asked my boyfriend to co-sign of which I have stated from the beginning that I do not have a co-signer or co borrower.

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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
The past year, I have repeatedly contacted the collection agency ( Diversified Consultants ) to dispute the account information on my credit report. The company ( Diversified Consultants ) would not provide details on the accounts. I sent the company ( Diversified Consultants ) documentation that the debt was not a verified collection as I contacted the original creditor for information. The original creditor could not verify the debt and sent information to the credit bureaus to remove the information from my credit reports. The debt collector ( Diversified Consultants ), despite this, still has the alert on my credit report.

I have contacted them on two separate occasions by phone but was told they would not remove it.

On XX/XX/2019, I requested via written correspondence sent certified mail to the debt collector ( Diversified Consultants ) to provide all information associated with the debts so I can do further research. As of today ( XX/XX/2019 ), the debt collector has not provided documentation regarding the debt to me in written form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!

ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
A late 30-day payment mark on my credit report for XX/XX/2019 should not have happened. We contacted Loancare on XX/XX/XXXX, via recorded phone call, to make a payment arrangemet in advance of the 30-day late date. We were told on that phone call by a representative that we would be able to take our XX/XX/XXXX payment and spread it out over six months so that we would not incurr a late payment charge. It was also explained that we could move our next payment date to XX/XX/XXXX. We were assured on this recorded phone call multiple times that this would bring us current and we would not incur any penalties or negative marks on our credit report.

On XX/XX/XXXX, after this phone call, Loancare issued a letter stating we would still owe a full payment by XX/XX/XXXX. This letter was sent via postal mail only and was not covered on our recorded phone call. This letter did not ever reach our home, nor would it have prior to the XX/XX/XXXX date - just 3 days after our phone call. Because of this we recieved a 30-day late payment mark on our credit reports that was due to decieptful and inaccurate information practices by Loancare.

Prior to this we had no late payments for the life of the loan with the company, nor any late payments on our credit report for over a decade. We attempted, in advance of a penalty, to resolve this with Loancare and assumed we had based on the recorded phone call. After multiple attempts to resolve this with Loancare, they refuse to discuss the matter, will not provide a copy or transcript of the recorded phone call, and refuse to correct/remove the 30-day late mark on our 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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
- I found an entry from ONLINE INFORMATION SERVICES on my credit report. 

- I searched XXXX for their phone number asking for more information. They refused to give me any information unless I " confirmed '' the debt. 

- I sent them a letter on XX/XX/19 asking for confirmation of the debt. I have attached a copy of the letter I sent as well as the Certified Mail confirmation that shows they signed for the letter on XX/XX/19. 

- I HAVE RECEIVED ZERO CORRESPONDENCE FROM THEM AND NO PROOF OF DEBT OR ANYTHING.

Company response to consumer: Closed with non-monetary relief