vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
An old debt from XXXX XXXX in XX/XX/2014 was already paid before it reached collections. However, Common Wealth Financial purchased the debt from XXXX XXXX XXXX, who was also repeatedly told not to contact or sell my personal information with anyone They were also told to cease and desist all contact with me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
It is alleged that I was in default since XX/XX/2007, for a total default amount of {$11000.00}. This is not true because I made the following payments after XX/XX/2007 : XX/XX/XXXX- {$5400.00} ; XX/XX/XXXX- {$4100.00} [ Unapplied in suspense account ] ; XX/XX/XXXX- {$1300.00} [ Unapplied in suspense account ] ; XX/XX/XXXX- {$5400.00} ; XX/XX/XXXX- {$4100.00} [ Check was returned ] ; and XX/XX/XXXX- {$4100.00} [ Check was returned ]. 
There were two unapplied payments : {$4100.00} ( received on XX/XX/XXXX ) and {$1300.00} ( received on XX/XX/XXXX). The payment of {$4100.00} was sufficient to pay in full the then monthly payment of {$4100.00}. The excess payment of {$1300.00} should have been applied to any late charges due. In the alternative, the payments of {$4100.00} and {$1300.00} should have been added together to total {$5400.00} and applied to pay in full the amount of the previous monthly payment of {$5400.00}. In any case, neither payment was ever applied. 
I request the return of the {$5400.00}, plus interest, that is being kept in a suspense account. Because of the misapplication of my payments, my account was wrongfully alleged to be in default. If my payments, a total of {$16000.00}, had been applied towards the mortgage, no default could have been declared for failure to pay {$11000.00}, nor a foreclosure action filed for failure to pay that sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: CA

Complaint narrative:
An account on my report does not belong to me and I disputed it but was unfairly resolved against me XXXX XXXX XXXX AC # XXXX REPORT NUMBER XXXX 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 2019-03-23 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Last XXXX, I was switched to Experian 's XXXX XXXX   after having been on XXXX XXXX XXXX XXXX XXXX due to the data breach. I just found out that XXXX has a peculiar policy where they only update one 's credit data if the user calls in and specifically requests a manual update. This is in contrast to XXXX XXXX and other services I have used where the online data displayed is continuously updated in the background. The Experian XXXX rep I spoke with said that this is just the way the service works. It seems strange enough to me that I thought I would file this complaint to see if their position is 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 explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I sent MPB a certified letter with return receipt on XX/XX/2019 requesting them to remove medical collections that put on my credit reports for all 3 bureaus, and sent them a copy of the HIPAA acknowledgement and consent form showing them that they DO NOT have my consent to disclose my confidential medical information. They signed the certified return receipt on XX/XX/XXXX by XXXX XXXX ( see attached Tracking Receipt. ) They responded to me by letter dated XX/XX/XXXX saying that they contacted there client XXXX XXXX XXXX saying that they would delete the account once it is paid off. They are in clear violation of the HIPAA act. Please have them delete all collections and put them on notice that they DO not have consent to place any collections on any of my 3 credit reports ( XXXX, XXXX, 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 2019-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX I purchased a home through county foreclosure auction at XXXX XXXX XXXX XXXX, XXXX FL XXXX After the sale had closed I discovered that Bank of America had a lien on the property that wasnt released in the foreclosure. I contacted BoA who reviewed the file, inspected the property and after negotiation agreed to accept {$15000.00} as full and final payment ( attached ). Soon after I received the document in XX/XX/XXXX I received a follow up phone call from the representative, XXXX XXXX Ph XXXX to confirm I had received it and asking when I could make payment. I advised him I would need to put all my funds into the property to renovate it to be able to bring it to the point where I could sell or finance it and be able to pay the agreed amount. He accepted this answer without caveat and I have had no contact of any kind since. 
I have spent 2yrs investing my time and money to renovate this cottage that was completely derelict ( BoA own inspection confirmed the very poor condition ) and finally was able to complete it, and with the help of the improved market I am able to sell it and breakeven. The property is now in escrow with a close date of XX/XX/XXXX. The escrow agent contacted BoA to verify the payoff paperwork and was told that BoA was going reassess the demand since values have gone up! 
Per the attached the agreement we made for {$15000.00} has : No per diem, payoff figures will not expire. 
BoA blatant attempt to now renegotiate the deal because I have spent two years and my savings to renovate this home is unscrupulous and unethical. They have no cause to reassess this agreement, they have not contacted me in any way since negotiation to advise the time was limited, and only now through greed are they trying to take advantage of the situation. 
Please quickly move to require them to honor the agreement made as I have worked for two years in good faith to deliver on my commitment to pay them the agreed amount. To lose this escrow, the only one in months on the market would be devastating.

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 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I contacted USAA over 40 times regarding a dispute. I asked to appeal this dispute with my credit card after speaking with XXXX. I uploaded an exhorbitant amount of documentation. The CEO office said XXXX, I never called in XXXX to dispute the transaction. I told her I will put my hand on my son 's life that I most certainly disputed it in a timely manner. USAA refused to investigate. Now, they made a barrage of XXXX excuses to appeal. I was told by XXXX in the CEO office she was reaching out to a analysts to call me. This was another blatant lie. She lied about me never calling in. She leaves a voicemail that states I did dispute it but now the time frame is out. All of it is the most extreme case of incompetent XXXX bankers I have ever done business with in my life. I filed one complaint already and this is for refusing to follow up and appeal it after making a incident report with XXXX and uploading documents all month long to their commands. If in fact the debit was out of the time just say so from the jump! No, because it wasn't, this is just another narcissistic evil XXXX move.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
XX/XX/XXXX : I notice my online bank account/ was not functional for me to view my direct deposit so I called the bank and that is when I found out that there was a write of garnishment of property on my account. 
I called XXXX XXXX XXXX  and spoke to a women who answered the phone and took my up to date information and I ask her why didn't they go thru my job with XXXX which I've been employed with for the past 29yrs she said they couldn't locate me and I said to her well you found me at XXXX XXXX XXXX XXXX and I haven't work their in over a year and that was a part time job for garnishment. 
XX/XX/XXXX : I went to the court house in XXXX XXXX County House I was appointed to court attorney explain to them ( her ) that I didn't know a third party could block me from debit money from account to pay my bills or just debit any money out ... .but when the attorney ask me to get a copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX  XXXX XXXX XXXX  MD XXXX ... I was living in XXXX Va. XXXX XXXX XXXX XXXX from and now they want to try and collect the initial amount and 9yrs of interest I didn't find it in my last year credit report I requested another I really don't believe this my account I just do not remember it if this is why wait so long and why not for thru my job where I've been employed for the past 29yrs? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money had to change bank accounts for this past direct deposit. 
I'm not for sure how much there buyers bills is there was no negotiation what so ever I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
An account on my report does not belong to me and I disputed it but was unfairly resolved against me AMSHER COLLECTION SERVICES AC # XXXXxx REPORT NUMBER XXXX  XXXX-XXXX-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 2019-03-23 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: NC

Complaint narrative:
I recently obtained a copy of my Equifax Credit Report and notificed that inquires disputed had in fact been deleted confirmation number XXXX and XXXX but today I pull my credit and see where all the inquiries removed have been added back to my credit report and I wasnt provided any notice that they would add back please see attached proof that the inquiries were deleted and have been readied .... in addition a previously disputed collection item with XXXX XXXX XXXX account number XXXX disputed on or around XX/XX/2018 was deleted and communicated to CFPB Under report number XXXX however the account has now been reapplied to my credit report without noticed to me if the item was incorrect and unverifiable then it is also inaccurate and unverifiable now please see attached proof it was previously removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One account had multiple charges that either didn't belong to me or where incorrect. This led to the account going over the limit. Capital One refused to fix multiple errors, then charged late fees, overdraft fees and refused to agree to a repayment plan or remove the additional charges I was being assigned in error. I then started working with a credit repair company, at Capital One 's insistence, made payments ( the credit company said the terms they quoted were what Capital One agreed to ) and repeatedly told the credit repair company that the modifications Capital One were requesting was authorized. In the meantime, even though I made the payments timely and at the level requested initially, Capital One marked my account 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX . Customer Service XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX I received an unexpected E-mail from this company notifying me that my credit limit was suddenly and without prior notice reduced due to a company review of my account. My account was reduced from a remaining credit line limit of {$1900.00} to within {$100.00} of my balance. Their action brought my account now to within a maxed-out range. I spoke to one of their managers on the phone shortly thereafter and she confirmed this change. She was not able and/or not willing to undo the changes. She stated that the decision was based on a review of my credit report with XXXX   XXXX. Upon checking my credit report with XXXX  I did not find anything negative. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of XXXX bank 's action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have been a customer of XXXX bank since XXXX. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been lowered by XXXX points. I respectfully ask your office to investigate this matter fully. 

E-Mail from XXXX bank >Your revolving credit limit has recently been revised From : XXXX   XXXX To : Date : Wed, XX/XX/XXXX XXXX XXXX Security Zone : Dear XXXX XXXX : There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$4700.00}. This decision was based on the information obtained from a consumer reporting agency. Specifically, your credit report indicates a substantial number of debts owed to other creditors. Your current account balance is {$4500.00} We're online Please visit XXXX XXXX to view your current account information. If you've enrolled in Electronic Communications, please check the XXXX XXXX for more information. Otherwise, a letter has been mailed to you and should be received within the next 7-10 days. This is the most up to date information available to our credit specialists. If you believe your credit limit has been reduced due to inaccurate information on your credit bureau report, and such inaccurate information has been corrected on your report, please visit XXXX XXXX within the next 60 days to see if you qualify for a credit limit increase. 
Sincerely, XXXX XXXX XXXX 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 2019-03-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts were finally blocked. 

A XXXX card, which was the result of that ID Theft and was BLOCKED from my credit reports is back on m credit reports. 
As a result of the ID Theft I had requested XXXX to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX did none of this and I have received zero documents as required by law. 
However, and incredibly shocking These XXXX at XXXX continue to break and ignore the rules of law. XXXX has placed this account back unto my Experian, XXXX and XXXX credit reports, dropping my credit score over 100 pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS. 
EXPERIAN, XXXX AND XXXX MUST BLOCK THIS XXXX ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against Experian, XXXX   and XXXX in Federal Court.

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 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: TX

Complaint narrative:
TeleCheck continues to allow fraudulent checks to be written in my name to merchants and provides no relief for ID theft. They continually ask for information they are not entitled to like drivers license number, DOB and SSN. I have not written a paper check in years and there is no path to resolution with this company. I fear that this fraud will negatively impact my perfect credit. The most recent letter is dated XX/XX/19 for a transaction of {$130.00}, reference 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 2019-03-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
midland credit management ( midland ) signed, returned registered letter REQUESTING midland stop.attempts to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent a wire with below details and i was told by my bank that this wire was hijacked by hacker the wire i sent that was debited and confirmed by the wire department .... How will a wire be hijacked and the one i  sent after this was successful. 

Chase wire tracking number : XXXX Transaction number : XXXX Wire date XX/XX/2019 Wire amount XXXX USD ( U.S. Dollar )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was lost/stolen. I have been waiting on my replacement since Monday. One rep told me 3 to 5 business days. I should mention that I take the bus and my work schedule combined with the general slowness/inefficiency of the bus makes it all but impossible for me to make it to a branch on time. I'm a temp so if I try to leave early, I'll be fired and replaced before I could make it to the bus stop. So I'm going days without access to my money, services and subscriptions linked to my card are going to stop once payments start getting rejected. Plenty of banks and credit unions can print a card same day or send replacement cards through higher priority mail. On my most recent trip to a branch, the bank employee wouldn't even look up the status of my card in the mail and just said to wait longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Summer of XX/XX/2018 I was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/2018. All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.

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 2019-03-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The Summer of XX/XX/XXXXI was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/XXXX. All I asked was that the credit bureaus show me how they verified this debt and what XX/XX/XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.

Company response to consumer: Closed with explanation