vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple credit inquires have been conducted without my knowledge and consent.

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 2018-09-29 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On or about XX/XX/2018 XXXX XXXX XXXX of XXXX MA ( XXXX ) sent a collection notice to a client 's spouse at her address. 

I have no relationship to that address other than I process VA payments on behalf of my client, an XXXX year old suffering from XXXX and living at the VA facility in XXXX XXXX XXXX. The bills for his care go to his spouse at that address. She is his Conservator of the Person ; I am his XXXX of the Estate. 

After a call today ( XX/XX/XXXX ), it was clear that several bills reportedly to me ( sent to another wrong address ) were returned to XXXX. I asked about the address and they had both spelled my name incorrectly and had my home address city listed incorrectly. XXXX has been unable to provide an original invoice so I have no idea as to whether the bill is valid. 

They suggested contacting the medical laboratory directly to ask for an invoice. I will do so but feel it is an unnecessary step and XXXX should offer to have the bill forwarded. 

While I am not usually one to send complaints, in the past with medical bills I know the practice of sketchy collection agencies is to ding the credit reports immediately, even if paid in full. The practice of trolling for addresses is suspect and I believe violates my client 's and my privacy. 

XXXX should have their license reviewed and their practices monitored. It is quite embarrassing to me to have a bill go to an elderly spouse of an elderly client. Quite bizarre. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is gouging people on interest, continuing their unethical business practices. I have been a cardholder for approximately 1 year. I have a credit score of approximately 710+. I have no late payments or over limits with Wells Fargo. Wells Fargo has insisted on charging me their highest interest rate, nearly 27 % on my credit card once my promotional period ends. It is completely unacceptable to have a rate this high, especially with my credit profile. I have asked repeatedly for the rate to be reviewed and lowered to the range of my other credit cards which are 13 % to 20 %. They have refused - in what seems to be violation of US federal law which requires rates to be periodically reviewed. Their customer service pretends to care but really just gives you the run around so they can continue to gouge you. It is appalling.

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 2018-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC
State: AZ

Complaint narrative:
I got a notice for a service that was provided for my XXXX, My XXXX is double insured and there should not have been a payment that was due. I have reached out to the original creditor requesting for this to be bill through the secondary insurance as they did not bill both insurances. I have also contacted both insurance companies as well and informed them that I am getting bills for something that I shouldn't be getting them. I have not received one phone back from XXXX XXXX XXXX. or heard back from their billing department as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I have two items on my credit report for XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I have not gotten any notices in regards to these two bills from either the original creditor and the collections company. I am also getting harassing phone calls and repetitive calls as well from multiple numbers. Voice mail is a automated recording playing as a employee leaving personal information on a voice mail when one is left. The item on my credit report should not be reporting as one its not mine and two my daughter had two medical insurances and they should have been charged to them. I want these removed from my credit reports as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/2018, I First received notice from Ocwen loan servicing stating that my condo insurance expired. I immediately contacted my Home owner association and submitted proof of insurance online. A few weeks later I received another mail that they did not receive my insurance coverage and that they were going to buy insurance on my behalf. I called in and spoke to agent who said I do have insurance but my hazard insurance has expired I explained to him that my overall coverage included hazard insurance. The agent put me on hold and called the insurance company who confirmed that hazard coverage was included. The agent then told me not to worry about it and everything would be taken care of. A month later I received the same letter that my insurance has expired Then I called in again and got confirmation that its been taken care of. Then a month later I got another email saying the same thing. This time I called and asked to speak to a supervisor and recorded the conversation as it was stated in the beginning of the call that this call may be recorded for training purposes. The supervisor who seems to be from XXXX put me on hold and then the call got disconnected and never called me back. I then submitted a claim to XXXX but didnt hear back Then on XX/XX/XXXX I received another certified mail saying my hazard insurance has expired and if I dont provide proof of coverage they will purchase it Talking to the agents have been very tiring and not so helpful. Theyseem to have a really strong accent and dont understand what we say. This is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Hello, On XX/XX/2018 I attempted to open a checking account at Suntrust bank at the XXXX location in XXXX XXXX, Maryland. There is an offer online where if you submit your email they will send you a promotional code for a bonus of {$500.00} dollars upon opening the account and receiving a direct deposit of {$2000.00} within 60 days as well as complete 10 debit cards purchases. I brought my code in to the branch and spent an hour with the bank manager setting up the account as well as submitting a {$100.00} opening deposit. Everything seemed well until the banker could not see the offer attached to the account after opening. She reached out to her headquarters where no explaination was given as to why it didnt work. She then closed my account and refunded my {$100.00}. I have tried to reach out via phone to suntrust customer service and they give no answer as to why I could not open account.

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 2018-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX Received notification on XX/XX/XXXX by XXXX ID monitoring that new Collection has appeared on XXXX Report. Collection shows Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. 

Contacted on XX/XX/XXXX XXXX Ext XXXX at Commonwealth Financial Systems. CSR was  unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. 

Contacted XXXX to make sure was properly disputed as well as to place a fraud alert on my account. Was told by XXXX that Commonwealth Financial Systems, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with XXXX as I have lived at my current address for XXXX years and have never had the alias XXXX XXXX XXXX. 

XXXX dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted XXXX to redispute. XXXX states that Commonwealth Financial Systems has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with XXXX on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. 

On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. 

Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and am concerned that Commonwealth is using information contained within to attach a debt with a person that has a similar name to mine. 

Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that Commonwealth is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) TRASUNION XXXX XXXX " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 8. ) TRANSUNION XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via TRANSUNION XXXX " Requested '' XX/XX/XXXX 10. ) XXXX " XXXX '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) TRANSUNION INTERACTIVE IN- " Requested '' XX/XX/XXXX 13. ) TRANSUNION XXXX XXXX " Requested '' XX/XX/XXXX 14. ) XXXX XXXX " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.

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 2018-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: GA

Complaint narrative:
In XX/XX/XXXX, I became aware that my identity was stolen. I filed a police report with the XXXX Police Department in Georgia on XX/XX/XXXX. I have lived in Georgia since XX/XX/XXXX. There were numerous loans and accounts opened using my IL license and social security number. A XXXX XXXX XXXX account was opened on XX/XX/XXXX. A secured loan of {$2600.00} was applied for and accepted fraudulently in my name. Since the account has been open, I have called XXXX XXXX XXXX a countless number of times to dispute and make them aware of the fraudulent activity.  When I first started making contact with XXXX XXXX XXXX, they didn't have a customer service support team neither a fraud department. The only person I was able to speak to using the telephone number ( XXXX ) XXXX was the receptionist. Therefore, I sent my Identity Theft Affidavit and other supporting documents to the XXXX XXXX XXXX in XXXX, SC XXXX listed on my XXXX  report. On XX/XX/XXXX, my mother sent a letter to XXXX XXXX XXXX in my defense. I was not contacted about the documents and no one notified me to let me know that they were received. On XX/XX/XXXX, I disputed the XXXX XXXX XXXX account on XXXX. The results of my dispute were disclosed on XX/XX/XXXX. My dispute was denied by XXXX XXXX XXXX  and the account has remained. On XX/XX/XXXX, I called XXXX XXXX XXXX, and to my surprise, they now have a customer service support team. I spoke to a gentleman on the team to inquire about the denial. He was able to lookup the fraudulent account by using my name. He let me know that my documents were received from a year ago, however, there were notes in the account saying that there were missing documents, therefore, the account has remained open. I inquired about the missing documents and he stated that it wasn't notated. He said he would pass my case to his supervisor and would make it of upmost importance, and she would contact me. On XX/XX/XXXX I, again, contacted XXXX XXXX XXXX because I had not spoke to a representative from this company since XX/XX/XXXX. The receptionist, answered and transferred me to a voicemail. I left a message, and as of XX/XX/XXXX I have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This is not a duplicate complaint. The credit reporting agency, Equifax, is fraudulently reporting an adverse collection account on my credit report. The collection agency ( XXXX XXXX ) and credit reporting agency ( Equifax ) received written documentation showing that the account was paid in full on XX/XX/2016, as the original creditor ( XXXX XXXX XXXX, XXXX ) accepted full and final payment of the account. The collection agency is fraudulently reporting a delinquent account when it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 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: NY

Complaint narrative:
I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I sent email to cashnetusa stating that I was revoking ACH permission to them because I could not afford to pay my bill at this time. The company sent an email back stating that they received my ACH permission denial email and that no more electronic withdrawals would be from my account. On Friday XX/XX/XXXX they withdrew XXXX from my checking account. I want money credited back to my account, stat.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Contacting me all hours of the day. Contacting my job. Calling me on the weekends after hours from a text now number.

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 2018-09-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I added a few authorized users to my 'Chase XXXX XXXX ' credit card. I opened my account on XX/XX/2016. I never had any late payments, late fees or missed payments. I have a 100 % on-time payment history with Chase. I never done anything illegal with my credit card ( e.g., online gambling, etc. ) I never submitted a Reg E claim. I never violated any of the cardholder 's terms and agreements. Also, I do not have any late payments, missed payments, collections, charge-offs or public records on my credit reports. According to XXXX, all XXXX of my FICO Scores are 700+. 

Chase made the egregious decision to unilaterally close my account without any advance notice. Chase stated account closure due to authorized users, however, according to Chase 's website : " Share your Chase card with ones you love '' https : XXXX Chase 's website encourages consumers to add authorized users stating its benefits. I have a relationship with all of my authorized users and none of their names or information are fraudulent. All of my authorized users expressly consented to be added to my Chase credit card. 

This is misleading advertising and a violation pursuant to the federal truth-in-advertising law. 

Under the Federal Trade Commission Act : Advertising must be truthful and non-deceptive ; Advertisers must have evidence to back up their claims ; and Advertisements can not be unfair. 

By Chase closing my credit card account against my wishes, my consumer XXXX score has lowered because I have one less " open '' account on my credit report. Also, by Chase closing my account, it lowers the average length of open accounts on my credit report, further lowering my credit score. This is resulting in an undue financial hardship By my credit score getting lowered because Chase closed my account, I now can not get approved for new accounts and/or will be charged higher interest fees because a lower credit score indicates higher risk of default. I did not violate any laws or any terms or agreements. 

This is unfair and constitutes deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The lender failed to calculate the payments according to the terms of the loan documents. 
This was a negative amortization loan and they failed to do the calculation in pursuant to the terms of the loan. The problem was till XX/XX/2014. 
They failed to provide a complete payment history from the day I took the loan. 
I requested again by sending a QUALIFIED WRITTEN REQUEST. ( QWR ). 
THEY IN TURN STATED WE HAVE TO DO A APPRAISAL. Before we can comply with your request. 
The Appraisal have nothing to do with the payment history. 
I strongly feel they missed payments which i made and need accounting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I have been receiving many harassing phone calls from spoofed numbers, from someone identifying themselves as XXXX XXXX from National Credit Systems. They have stated that they are attempting to collect a debt. They have also called some of my family members from spoofed phone numbers. The number that they leave to return calls is XXXX. 

I received a letter in the mail yesterday that they are trying to collect a debt from an apartment complex, XXXX XXXX XXXX  XXXX, I lived in for 6 months in 2017, in XXXX XXXX, TX. The alleged amount owed is {$1000.00}. They have threatened to report to the credit bureaus. Additionally, they sent a separate letter to my husband for the same amount. On the NCS website, they have documentation showing that XXXX XXXX XXXX  XXXX owed us the amount they were trying to collect. 

This debt is not real, as I have proof of a good standing with the apartment complex upon move out and proof that my security deposit was returned. I have been unable to reach the apartment complex yet, but used their website 's " Contact '' function to send an email demanding answers. 

They call many, many times a day, spoofing their number to be similar to mine. I have resorted to blocking each number, and have never answered the phone. I will take whatever legal action is necessary, as this is unacceptable.

Company response to consumer: Closed with explanation