vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
There is a credit card from a company called  Swiss Colony on my  credit report, an account fro m   XXXX /2010.  This a ccount was not opened by myself, I had never heard of this company before this. I have repeated that over and over to them when the phone calls and collection letters started coming shortly after that date. I have disputed it with  XXXX  and   XXXX   all to no avail. I did receive a  XXXX  page letter fr om Swiss Colony asking for all na mes of who could of possibly opened the account in my name and then I was to have it notarized and mailed back. It could have been anyone. Where would I even begin? an ex boyfriend?  XXXX  of my  XXXX    XXXX   XXXX    sisters? The nasty neighbor  XXXX  doors down who doesnt like  XXXX  or dogs? I have  XXXX  dogs. They wont tell me if they have my signature for whatever was allegedly sent. I am trying desperately to clean up my credit so that I can purchase the home I have rented for almost 11 years and is now for sale due to land lords passing. I want this ridiculous nightmare over by having this removed from all  XXXX  credit reporting agencies. I will state again, this is not my account!

Company response to consumer: Untimely response
Consumer complaint received 2017-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received yet another marketing email from Bank of America ( BofA ) for the BofA app. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I documented numerous attempts prior to XXXX/XXXX/XXXX to have BofA stop sending me marketing email, specifically marketing email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XX/XX/XXXX, Please allow up to 48 business hours for the changes to be fully effective. In addition, please be advised we have recorded your request again to no longer receive solicitations from Bank of America. After their response to me on XX/XX/XXXX, I received another marketing email from BofA about the BofA app. On XX/XX/XXXX, I filed another complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I pointed out that BofA did not honor their commitment to me as stated in their response to me on XX/XX/XXXX - the commitment to discontinue sending me email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, While our enclosed previous response confirmed that the Do Not Email privacy choice was previously captured twice, a third Do Not Email privacy choice request was captured on XX/XX/XXXX. All privacy choices are honored within 30 days, with the exception of Do Not Mail requests which could take up to 12 weeks. In their previous responses to me, BofA considers the endless marketing of the BofA app as being part of my account ( and part of my account agreement with them ), and thus not marketing. However, as BofA well knows, the BofA app merely functions as an add on product and/or service. A product/service that BofA is well aware I dont need and dont want. Yet the BofA app continues to be aggressively marketed to my XXXX inbox. BofA has shown, time and again, they will continue to not honor my preferences, and not honor their commitment to me. This is exclusive to BofA. No other bank I do business with has ever done this or currently does this.

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 2017-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I got a derogatory mark on my credit report for a loan that says I received a payday loan. I never received a payday loan from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
My bank wo n't update my account information like they should with active hours so I can cash out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account number XXXX Date opened : XX/XX/XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Paid, Closed. <P/>AMEX has reported negatively on all four credit bureaus preventing me from obtaining any credit, since I filed a complaint against them with CFPB in XX/XX/XXXX. AMEX has already reported my {$0.00} balance on both accounts earlier this year, but never with a negative remark until now, as if my two accounts were active. XXXX, XXXX XXXX, and XXXX XXXX have confirmed they would not give me credit due to AMEX 's negative notes. I have their telephone numbers and they can confirm my statement is true.

<P/>
AMEX has reported to all four credit bureaus that I failed to pay them as of XX/XX/XXXX. It appears they are trying to keep these two, 15 year old charge offs as a current, surpassing the 7 year limit according to the FRCA by any illegal means possible. <P/>Both accounts have been closed and delinquent since XX/XX/XXXX, but they have reported this differently on my credit file, so they can have an affect on my credit surpassing 15+ years. <P/>The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. prepared by the Federal Trade Commission : this is the law that gives you access to your credit file, allows you to dispute errors on your credit report ( s ), and limits the reporting of negative information to 7 years ( 10 years if were talking bankruptcy more info here. ) AMEX has broken the FCRA! Please have them remove these two delinquent charges off from all four credit bureaus ( XXXX, XXXX, XXXX, and XXXX ). <P/>Please have AMEX remove both accounts off all four credit bureaus and send me a letter as conformation. <P/>Enclosed in my previous credit report from XX/XX/XXXX to XX/XX/XXXX, and please review the difference their recent negative notation reported on XX/XX/XXXX -- on all four credit bureaus. <P/>Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: OH

Complaint narrative:
I did not ask for a security freeze to be put on my credit The problem is the verification/validation Transunion did not verify the XXXX XXXX collection account on my credit. XXXX is not a valid form of verification. XXXX XXXX is a third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the XXXX representatives are not allowed to call the creditors nor the collection agencies. I sent Transunion a method of verification form that was never filled out.. Once again XXXX is a web based automated system that Transunion use . That is not verifying this account. I will be contacting the president of Transunion XXXX XXXX XXXX if this account is not removed immediately. The account not verified nor validated are 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 2017-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
the nature of my complaint is simple, i have 6 items on all 3 of my credit reports from Tenet health,  Central financial control, original debt was from XXXX hospital XXXX XXXX. for reasons i can not answer, my father used my information on these visits in question ( I am A XXXX so we have the same name ) to XXXX  hospital. as a result, these debts belonging to my father, were summarily placed on my credit bureaus. i have made several disputes on these, both with the credit bureaus, and the collection agencies, each time they say the information is valid. i just today learned of your class action settlement with Tenet, I do not know if i can still file a claim, if so i would love to. otherwise, i may have to try filing small claims suit myself. is there anything else you folks can help me with in this matter? i have done everything i know to do, and i have done them several times, to no avail. thank you in advance for your time and consideration. sincerely, 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 2017-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
A collection report was posted to my credit report after paying the debt in full to the original creditor. There a 3 from the same original creditor that were set up on a payment plan. The debt was payed in full in XXXX/17. The new creditor is trying to collect on this same debt 3 months after it was paid in full to the original. I will include the Bank documents to prove it. It infuriates me that they are reporting falsely and that I have to spend time fixing. I 'm pretty sure it 's illegal to try and collect a second time on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have used credit cards for years. I have had no problems paying my bills. However, whenever I have had dealings with Synchrony Bank, they fail to notify me of my payments. They charge me late fees. Not only have they done this to me once but several times. I contacted the company in  XXXX   2017  about this and they told me about a glitch in their computer. They did it again several other times and I had to call them. We checked all my information and it was all correct and they still failed to send me notifications. I had to look on my accounts trying to figure out what my payments were and noticed they were charging me late fees and the bill was due  XXXX   XXXX   2017 . I paid my bill on  XXXX   XXXX   2017 . I called them again about the bad practice and not notifying me. I immediately paid the bills, and cancelled my cards. To add insult, I get a noticed on  XXXX   XXXX     2017  telling me they are reporting me to the credit bureau and charged me {$25.00} and that was going to accumulate interest until I paid the remainder. For 30 years of having above stellar credit rating, and paying my bills on time. Synchrony Bank has been the worst company I have ever dealt with and I have never complained about any other company before. This truly ridiculous how they treat consumers

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 2017-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have maintained my mortgage with Chase Bank since XX/XX/XXXX. I was recently informed by my Financial Advisor that the Private Mortgage Insurance ( PMI ) should have been " automatically '' cancelled in XX/XX/XXXX when the loan to value of my home reached an 80 % loan threshhold because of appreciation and improvements. <P/>Earlier this month I formally requested Chase to terminate the PMI because my loan has a current loan to value of 62 %. My request for cancellation was not approved because of Chase 's interpretation of " delinquency ''. Chase claims their policy requires no delinquency in the prior 12 months prior to cancellation. <P/>My payments were made promptly and uninterruptedly over the past 11 years. Earlier this year I lost my job due to downsizing and at the exact same time my mortgage was adjusted up by {$700.00} each month. I requested a forbearance of the " increase '' payment amount. I continued to make monthly payments pursuant to Chase 's direction based on the prior payment amount while they reviewed my modification request. <P/>Prior to their decision on the modification I found employment and was able to pay the increased payment amount. <P/>Chase is claiming that my withdrawal of my request for payment modification retroactively changed the status of the " adjusted '' payment they were reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NH

Complaint narrative:
I moved from my apartment on   XX/XX/XXXX  and stopped service with  XXXX  on  XX/XX/XXXX . They told me I could take all my products from my apartment tinny house and it would be connected to the  same account number. I tried to connect to cable when we moved to the house and nothing worked. They had to change out all the boxes.   XXXX  I received a different account number from them and called them multiple times to verify this. So what is on my credit report is a bill they never mailed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To whom make concern : XXXX XXXX XXXX XXXX XXXX XXXX that it had been my only checking and savings for 19 years and it was originally entitled XXXX XXXX XXXX XXXX charaged me inapproply for a {$45.00} after I closed my account and failed to inform me that I owe anything. The president XXXX XXXX immediately sent the matter conserving a {$45.00} to a collection ageny and significantly affected my credit score in a negative way. <P/>I received no correspondence from the bank or any collection agency. I learned about it when I opened a checking account with XXXX XXXX in XXXX Massachusetts. XXXX XXXX  officials notified me that the collection had been placed into collection XX/XX/XXXX and I did not learn about it until I open another account in XX/XX/XXXX. <P/>During the 19 years as a credit member at XXXX XXXX XXXX I purchased four vehicles ( two motorcycles and two foor door vehicles and paid off all of my loans impeccably.
<P/>XXXX XXXX 's decision with spiteful, unprofessional, intentional and damaging to my credit. That is unacceptable coming from a credit union, so I making this complaint to the federal trade commission as well as the commission of credit card companies against XXXX XXXX only took over as the president of the credit union three years ago. ( XX/XX/XXXX ) He is a cold, unprofessional who treats cumstomers poorly. I have also sent a copy of my complaint every member of the XXXX XX/XX/XXXX 's board of directors and received no response. <P/>My objection it is they treat a very small credit union that is set up for municipal employees and teachers like it 's a gigantic corporation and we are just a number. That was never true before XXXX XXXX was assigned to the presidency by the board of directors. <P/>I would like the matter to be rectified, investigated in my credit restored by the credit union contacting the Frederal Trade Commission directly and the three major comsumer credit agencies to remove that false statement. <P/>XXXX XXXX 's unethical behavior and unfair treatment to a member of 19 years illustrates the fact that he does not belong leading a credit union, rather he is more suited to be a debt collector or an insignificant staff member in a large financial institution, because he lacks the communication skills or professionalism to represent a credit union that serves the needs of firefighters, teachers, and the police department and XXXX and other XXXX XX/XX/XXXX. <P/>Thank you for teaching out to me in order to help me in this situation which is unfair and unethical on the part of XXXX XXXX and XXXX XXXX XXXX XXXX newly named to the XXXX XXXX XXXX XXXX, I would never have believed that a credit union would deliberately impact a 19 year member 's credit negatively. <P/>Sincerely, XXXX XXXX XXXX Former Account Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
citibank continually try to collect of seeking to collect debt from the wrong person, and for the wrong amount ; Citibank is also seeking to to collect debt that can not legally be enforced ; My mother is deceased ( XX/XX/XXXX) and her estate was probated and finalized. <P/>On XX/XX/XXXX I discover Citibank has is seeking to foreclose on my inhered property based on my deceased mother alleged mortgage ; At the time of the alleged Loan My Mother was Hospitalized before durning and after this pretor Loan ; I have filed several complaints with the CFPB in regards to this matter all to no avail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On  XXXX  I was  XXXX  for  XXXX   XXXX   XXXX    XXXX   on  XXXX  I realize that my account has been used without my consent I reported it directly I had over a hundred charges that I could not have done and did not authorize I was informed as of  XXXX   XXXX  that my claim was denied without any reasons I then asked why I was n't covered under  zero  liability I was then never given the reason

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 2017-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jeffrey G. Lerman, P.C.
State: NY

Complaint narrative:
I had an XXXX done at XXXX XXXX hospital XX/XX/XXXX. I received a bill for {$1800.00} and paid it in full onXX/XX/XXXX. A month or so later I received another bill for the same XXXX claiming that I owe {$390.00}. I called the number on the paper 4-5 times requesting a call back ( via voicemail messages ) because I did not understand what I was being billed for. They never called me back, but continued to send threatening letters. On XX/XX/XXXX I received a letter from a law firm, XXXX XXXX, attempting to collect on the same bill for {$390.00}. I contacted the law firm and there was no answer so I left a message requesting a call back. I did not get a call back. I sent the law firm an email with an attachment showing the receipt of my payments and explained the situation. I never got a response to my email or a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
XXXX   XXXX   ( now citizens bank mortgage ) refused to refinance my mortgage since they want to keep the absurdly high interest rate on the books ( 8.125 % ). My  credit score  is almost  XXXX  but they continue to bully me into paying this high loan. My loan matures in  2020  and they wo n't leave my tackle the issue before then. They keep saying " call me 12 months before your loan matures ''. They know I have good credit and are just trying to collect the WELL ABOVE MARKET INTEREST RATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc
State: TN

Complaint narrative:
In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to Focus and XXXX XXXX to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XX/XX/XXXX shows that XXXX and XXXX did eliminate reportings for both of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: TN

Complaint narrative:
In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to XXXX and Nationwide Recovery to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XXXX shows that XXXX and XXXX did eliminate reportings for both  of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.

Company response to consumer: Closed with explanation