vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XXXX/XXXX/XXXX {$1100.00}, I Called the company that showing on my credit report to find out what this is and I would told them I was treated at XXXX XXXX and that the i owed this amount I told the agent that I was not in the hospital, and this is not my debt and i would like to have this removed from my report because it is taking my score down. One Advantage LLC, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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:
see attachments for details.This complaint against the credit bureaus refers to a direct CFPB COMPLAINT XXXX against the furnisher XXXX XXXX XXXX XXXX XXXX XXXX account number 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 explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, i sent a letter to Equifax for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: KEYCORP
State: NY

Complaint narrative:
I have 2 checking accounts with keybank, wife/myself ( 1 ) and daughter/myself ( 2 ). On XX/XX/XXXX my daughter noticed fraudulent activity on her account ( 2 ) and reported it to KeyBank. OnXX/XX/XXXX KeyBank put a {$1600.00} hold on wife/myself account ( 1 ) without notice or warning citing " write up offset '', leaving me unable to pay my bills. Keybank only response was to give me 2 case # 's XXXX and XXXX, also stating they have 10 business days to resolve matter. Can a bank do this? Had I not noticed this and mailed out payments my account would be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My credit account was closed today because according to CITI they said i had to many recent inquiries on my account after telling me in many conversations that im a valued customer and they value my business. Thanks for your help.

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a authorized user on several of my wifes accounts. Her name is XXXX XXXX and we reside at the same address and her DOB is XX/XX/1956 and the last 4 of her SSN is XXXX During the month of XX/XX/XXXX, Equifax has removed three accounts that I am a authorized user. Before the month of XX/XX/XXXX, Equifax reported all authorized accounts correctly. My accounts are being correctly reported on XXXX and XXXX XXXX. In an effort to correct this error with Equifax, I called and spoke to a representative at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. I called the three creditors and they assured me that my information was being reported to all three bureaus every month. XXXX XXXX, XXXX, and XXXX XXXX sent mid month updates which were reflected on my wifes credit report but not on mine. The accounts that were removed on my credit report for the month of XX/XX/XXXX are : XXXX XXXX - {$500.00} XXXX XXXX - {$4300.00} XXXX - {$15000.00} In total Equifax has removed {$19000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when 2 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. I live in XXXX Georgia and many lenders pull credit with Equifax. To that end, it is quite important that this issue is resolved quickly and does not continue to repeat itself. Your immediate attention is needed to resolve this error made by Equifax. I have been unable to dispute this issue via their system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit file. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Asset Management, LLC
State: MI

Complaint narrative:
Contacted XXXX/XXXX/XXXX I did not sign contract with company, I did not sign contract with company. Please remove from credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Sometime around the beginning of XX/XX/XXXX my billing cycle was changed without my permission in regards to my flex-loan with Advance Financial. They also attempted to withdrawl payments from my bank account ( XX/XX/XXXX ) after I had submitted in writing to revoke permission to withdrawl funds from my account ( XX/XX/XXXX ) because of the billing issues. I have had no true resolution on my account even after submitting a BBB complaint ( # XXXX ). I have spoken with both XXXX XXXX ( Customer Resolution ) and XXXX XXXX ( Manager ) and each time I only ask for my account to be updated and a correct statement sent to me so that I can make my payments. Each time I speak to XXXX XXXX he tells me that he is correcting the error and fix my statement. I have made it clear that I will not make further payments until all errors have been corrected and I am sent a correct and accurate statement. I am told that they will only correct the errors after I make a payment. I think this is an unreasonable request when the statement that I am paying is incorrect. I have been told that adjustments will be made and fees removed from my account only after I make a payment. I have also requested no phone contact via writing and am still receiving multiple calls daily and voicemails with no messages left on my cell phone. This is a direct violation of my FDCPA rights in regards to ceasing communication and harassment or abuse by causing a telephone to ring continuously with intent to annoy. I just want resolution and my account corrected. I have included copies of BBB Complaint, email communication, phone calls and request to stop payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I sent a letter to Equifax, asking them to investigate errors on my credit report. I am going to attach a copy of the letter I sent them. Three months have passed, and they have yet to send me the results of my investigation. They are supposed to respond within one month. I have sent several follow-up letters, but Equifax simply will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: PR

Complaint narrative:
This is an ongoing problem with this company. The force placed an insurance policy on my mothers home for 300 % what is a typical rate. My mother who is XXXX was never told it was a forced placement and was misguided. Nonetheless, we accepted and are paying it by certified mail. To avoid this issue this year I personally obtained the insurance policy which has the loan number and company endorsement. We mailed it by certified mail to the company and to the insurance department. My mother has now received a new notification that her home will be taken since they have no documentation or evidence of the policy. We are trying to call. the phones are always busy. We try to fax as they said and the line is always busy. We call the call center and they redirect us to a phone line which is busy. Throughout the whole process my mother is worrying unnecessarily. They will not provide an email of anybody in the company. We have incurred in legal fees without any need since we have payed as stipulated. I even tried to contact through XXXX XXXX XXXX. XXXX XXXX XXXX, Executive Compliance Resolution Analyst at Reverse Mortgage Solutions , Inc. As you can see I am desperate for an answer or confirmation that I have followed everything they have said. This is not a well run professional organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XXXX/XXXX/XXXX, my American Express ( AMEX ) account was charged for a purchase I did not authorize. AMEX allowed a purchase to be made in the amount {$840.00}. The charge was for a software subscription from XXXX XXXX. I was not contacted by AMEX which is my request that I always be notified of a transaction that is large ( $ ) and any transaction where my card is not present. For every transaction that I have made on my account AMEX abides by my wishes-except in this case. I have disputed it since XXXX and each dispute has terminated with AMEX accepting the XXXX argument that this is a subscription and they have my card number. The card number used is not my card number. The person named as the subscriber is " XXXX ''. That is not my name. AMEX continues to ask me to resolve the matter with XXXX XXXX. I can not. I have no status with XXXX, and I can not get past their initial screen with a PIN since I do not have a subscription to this software. In fact, it seems nobody does. " XXXX '' is unreachable. My ability to handle this matter is stifled by AMEX 's inability to accept my arguments and my inability to deal with XXXX sales to try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Statebridge Company
State: NY

Complaint narrative:
I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a cent. I had already surrendered the property to the previous servicer, State bridge LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called Hunter Warfield. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
This is a continuous issue : Navient is claiming I have not paid my student loans in five months ; however, they cashed my previously sent checks, which cleared my account, and they did NOT apply those funds to my account. First time I called, they said they would research it. I continued to get emails stating I could go into forbearance if I was having problems paying ; but I had paid! Second time I called, they told me to print my bank statement and mail it in. I did that, highlighted where/when the checks were cashed. I continued to get the forbearance emails. Third time I called ( three weeks later ), I was told they never received the bank statement, that the address I was given was incorrect, and told me to upload it to my online account for them to review it more promptly ; and they said they would put a high priority on researching it, as well as remove it from my credit reporting, if they were in the wrong. I continued to get the forbearance emails. Fourth time I called ( two weeks later ), I was told they could not find the funds from the check and that they would put a high priority on researching it, again. I 'm trying to get my own place, and with them erroneously reporting I have not paid my bills in five months, it is impossible to find someone who will deem me reliable -- not to mention the incorrect reporting to my credit. I 'm at a loss, as I have done EVERYTHING within my power for them to make my account up to date, and they STILL have not done ANYTHING to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation
State: FL

Complaint narrative:
For months I have been harassed by this incredibly rude and unprofessional company. They have called and yelled at me, hung up on me and refused to give me any information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: FL

Complaint narrative:
On the dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I sent disputes to Equifax to investigate the incorrect reporting of a XXXX XXXX XXXX account ( XXXX ) on my credit. I am a victim of identity theft. Someone opened an account with XXXX XXXX using my information in XXXX XXXX and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. In XXXX, I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. This account was reporting on all three of my credit reports but once XXXX and XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX XXXX exact response showing the results of their investigation. I am also including a page of a recent report showing how this account is only on Equifax. Equifax is automatically disregarding my dispute as frivolous despite having information that states and supports otherwise. The issue is that the account is not even supposed to be reporting on my credit at all. I do n't understand how this can be possible? How can Equifax 's investigations yield a different response from XXXX and XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Subject : Closing Credit Card Account- With No Prior Warning Company : Capital One Account # : XXXX Sir/Madame : I am responding to a recent letter received by Capital One received on XXXX in the 'Closing ' of above account due to 'inactivity ' ( over 3 years ). As per the stated letter my account has been closed & within 90 days I have to redeem my reward points. Period. Today, Tuesday, XXXX, I called & spoke to Capital One 's Supervisor, XXXX, XXXX. Escalation Dept & requested measures to re-activate above account with activity. As per XXXX, Capital One has made a Final Decision to 'close account ' & does not allow any  option to re-open with continued activity. I stated to XXXX, I Did NOT receive an earlier letter from Capital One stating the inactivity of my account & more importantly did NOT Give the opportunity to reactivate the account. Instead, I simply received ONE Letter stating both position of my account & the position of Capital One in simply closing my account. Period. This prompt action from Capital One : 1- Will Unfairly Reduce my Business Credit Limits/Access for my business which I rely on & more importantly effect my business for future opportunities. 2- Disrupt my credit score by closing my account. ( i.e. As of XXXX XXXX my credit score is over 800 ) This is an 'Unfair Action ' that Capitol One has taken that has taken & should not be allowed without prior notification to rectify OR simply allowing me the option to 'resolve this issue ' within a reasonable time frame. This is wrong & is not an action to take on a responsible/credit worthy client. Thank you advance for your assistance & I will await both your actions & more importantly the response back form Capital One. Very upset, XXXX XXXX XXXX

Company response to consumer: Closed with explanation