vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 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: Strategic Alliances, Inc.
State: FL

Complaint narrative:
I received a letter from a collection agency about a bill from 3 years ago. Not sure what it is. The Agency only gave me date of service and name of physician. I wanted something in writing for additional information. I never received a bill previous to this. I found out that the supposed original creditor went into bankruptcy and then shut down and this agency obtained the accounts receivable. The medical test in question seems suspicious and very costly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/16 - I was scammed by XXXX XXXX. I filed a complaint with the Federal Trade Commission. The FTC and the State of Florida has halted the company at this point and filed a lawsuit. Please see attached link and documentation. 

XXXX XXXX XXXXXXXX

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 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
We have an active short sale under review and offer and supporting documents were uploaded on XX/XX/XXXX. Despite several messages and calls the file has yet to be updated and the foreclosure date set for XX/XX/2018 no longer has a suspended status. Our offer is for {$770000.00} which is double the opening bid amount and higher than the current BPO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
National credit system is staying that I {$11000.00} for an apartment that was vacated..and given a ample time to get the apartment re-rented ... the amount is incorrect and I would like proof of the amount also whenthe apartment was re-rented after it was vacated I have disputed this with XXXX XXXX.XXXX and XXXX and they all say verified but no paper work is provided of proof showing the amount owed..in detail..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
every day for over 2 weeks i get a call at XXXX from best buy Citibank card asking if I am someone else. I don't have a best buy card nor do I bank at Citibank.

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 2018-05-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On or about XX/XX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX XXXX never late XXXX  XXXX XXXX never late XXXX & CO XXXX never late XXXX   XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX   XXXX never late XXXX XXXX never late XXXX   XXXX never late XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
This is an account being reported by XXXX which has not been validated nor authorized by me has been proventing me from obtaining credit and/or Loans, as per FDCPA and FCRA acts, this is a violations of those terms and must be removed.

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 2018-05-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This is a third party company Ability recovery service that is trying to collect for XXXX University. I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX for a XXXX XXXX. I recieved full Financial Aid that was provided by the United States Department of Education. I had an ECC : of XXXX which is how much I could contribute to my education. I recieved 100 % subsidized and and unsubsized student loans. The money goes directly to the school and when I withdrew. They are claiming that I owe over XXXX. I am current paying on my student loans.

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 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
National Credit Systems was contracted by XXXX XXXX XXXX to collect a debts which is based on a civil judgement meted out XXXX XXXX  Municipal Court in XXXX, Pennsylvania. I was ordered by Judge XXXX to pay a specific amount to XXXX XXXX XXXX, an amount which I have since paid to XXXX XXXX. National Credit Systems has insisted that I pay an amount to XXXX XXXX which is more than the court order administered by judge XXXX. I have sent documentation in addition to the copy of the court order to both National Credit Systems and XXXX. Both respective companies have chose to ignore the court document which is proof positive of the correct amount that is owed to XXXX XXXX. XXXX XXXX has purposely decided to report an incorrect that is owed to circumvent the civil judgment administered by Judge XXXX as a method to navigate around the law which disallows civil judgments from being reported to the major credit bureaus in the absence of particular vital information on the civil judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: FL

Complaint narrative:
Equifax does not show mortgage : Opened in XX/XX/XXXX, mortgage holder : XXXX/XXXX  XXXX. 

XXXX and XXXX are both showing this mortgage. 

Disputed with Equifax, first, a few weeks ago ( in between XX/XX/XXXX and XX/XX/XXXX ), when I signed up for a service called " XXXX XXXX '' and noticed that Equifax was not showing the mortgage, but I never received a response from Equifax. The credit reporting service ( either XXXX XXXX, XXXX, or XXXX ) offered a recommendation that I was lacking and needed " relevant '' or " current '' real estate loans to show on my credit reports. 

XX/XX/XXXX, I attempted to check Equifax status, but I could only find where it said my dispute had " expired. '' XX/XX/XXXX ( today ), I attempted to make contact with Equifax through its website, but I only receive a message that my account is locked and that I should contact them directly, but it is unclear as to how to do this. 

This may have a negative impact on my credit which concerns me a great deal, or at least it does not have a positive effect, as I have never missed or been late with a payment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: VA

Complaint narrative:
I received a debit letter and have disputed it. They claim I have a credit card debt from years ago but when I ask them for proof of what that debit is, they fail to send me documentation on what the debt encompasses. I ask them to tell me what the amount is for and they only say it is a credit card debt, they do not provide me any other details. Based on the lack of information they provide me, I refuse to assume responsibility for a debt that is not mine. They are continuously lowering my credit score unjustifiably. They are using my credit score as leverage for me to pay a debt that I do not know what it is about. I sent a copy of the certified letter below requesting information and asking them to remove this from my credit history. It has been over a month and they have not responded yet they continue to damage my credit history.

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX - My XXXX XXXX XXXX that was financed by Santander Consumer was repossessed by XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX - I contacted Santander and located XXXX XXXX XXXX XXXX who I paid {$65.00} to receive my belongings from the vehicle and turned in the third row seat for the XXXX that was located in my garage with the key. ( Encl 5 ) I received a notice from Santander with Sent Via Certified Mail located typed on the document dated XX/XX/XXXX of the intent to Sell Property ( Encl 4 ) I received an Explanatio of Calculation of Surplus or Deficiency dated XX/XX/XXXX from Santander Consumer ( Encl 7 ) On XX/XX/XXXX, I sent via Certified Mail # XXXX, a letter to Santander Consumer, that was received on XX/XX/XXXX ( Encl 1 ). A letter was also sent to XXXX XXXX XXXX via certified mail on XX/XX/XXXX, that was received on XX/XX/XXXX, ( Encl 2 ) requesting that they provide to me a copy of the Certified receipt for the " Right to Recover '' that was sent to me. 

The response from Santander dated XX/XX/XXXX, was received, however, a copy of the certified receipt was not attached. They only provided copies of the documents aforementioned as Encls 4 and 7. ( Encl 3 ) The responses received from XXXX XXXX XXXX are dated XX/XX/XXXX, which states that they were unable to substantiate the allegations in my dispute and if I had additional information or documentation please mail to them. ( Encl 6 ) An additional letter dated XX/XX/XXXX with 81 sheets of paper attached which includes all of the documents from the processing of the loan for the XXXX XXXX. The only pertinent documents in the paperwork are the aforementioned Encls 4 and 7. ( Encl 8 ) Santander Consumer failed to send me a certified copy or statutory overnight delivery per Georgia Code Title 10, Chapter 1, Article 2, XXXX Disposition of motor vehicle repossessed after default ; right to recover deficiency. I send a letter to Santander and the Collection Agency XXXX XXXX XXXX requesting this documentation, but neither were able to provide proper documents. Santander Consumer did create a letter with 'SENT VIA CERTIFIED MAIL '' in bold letters under the inside address, but this does not rise to level of documentation required by the Georgia Code mentioned above. The requirement is clearly set forth that the lender must send a certified " Right to Recover '' notice within 10 days of repossession. I asked for a copy of the signed and dated Notice of Assignment from Santander Consumer which they not their agent was able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX is issued by Wells Fargo. I make on-time payments through my bank, and I received a letter from Wells Fargo, notifying that they decreased my credit limit, which placed my credit use at 115 %. This creates an issue because it immediately lowered my credit score. The letter states that they are choosing not to reveal the reasons why they decreased my credit limit. This is an abusive practice and is detrimental to my credit history.

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 2018-05-08 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: ND

Complaint narrative:
Complaint is related to EXPERIAN Report Number XXXX, dated XX/XX/2018, in which EXPERIAN continues to erroneously claim that I own XXXX/XXXX XXXX   Account XXXX. Since I have never had any account with this bank, EXPERIAN 's " reinvestigation '' of my dispute clearly was cursory and negligent.

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 2018-05-08 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 my Wellsfargo XXXX card was charged without my permission to purchase four tickets from the XXXX. When I noticed the activity I immediately contacted XXXX and cancelled the flights and I was assured by XXXX that I'll receive a full refund. I also filed a dispute with Wellfargo in order to ensure that I'll be protected. It has been over 2 months now but I never received credit from The XXXX or Wellsfargo. I'm  highly disappointed since I never made the purchase plus I had cancelled the flights after noticing the activity. Total amount charged to my credit card was {$1100.00}. Please help me to get my money back. 

Thank you, 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 monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am receiving a Debt collection notice, when my employer was suppose to cover my medical visit under workers compensation. They have yet to pay it and I keep getting harassed about it, when I have explained to the company multiple times it was under workers compensation and they said they would contact them to have it taken care of. The business is XXXX XXXX in XXXX, Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: U.S. BANCORP
State: MN

Complaint narrative:
I signed up for the XXXX XXXX card from US Bank on XX/XX/XXXX. This card came with an offer of XXXX points for spending {$4500.00} within 3 months ; an obvious incentive to spend on the card. On XX/XX/XXXX, I called the company to warn that I was about to make a large ( {$3000.00} ) payment for a car lease, and then placed said charge. A few days later, my account was locked and then closed. This is a bait and switch tactic, as the account was approved and I was incentivized to spend, and then penalized for doing so. I should note that the account is now paid in full.

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 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I noticed below collection amount in my XXXX Credit report and this amounts is not owned by me. I called the original creditor " XXXX XXXX  XXXX XXXX, XXXX '' and they confirmed they don't have record of me being in their clinic during XX/XX/XXXX. Initially this collection came up in my XXXX report and I disputed and it got resolved and now it is appearing in my XXXX. I tired disputing but now the new collection agency " Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX '' didn't remove this from my report and they said I owe. But I never been to clinic " XXXX XXXX  XXXX XXXX, XXXX '' which can be confirmed with the clinic. Below amount is appearing in my Credit Report. 

1 ) .Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$670.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$670.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 2 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health XXXX Client Name XXXX XXXX XXXX XXXX  Original Amount {$1600.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$1600.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 3 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$260.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$260.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
For several years I have been paying {$31.00} towards principal only on my mortgage so that I am able to pay my home loan off earlier ; a review of the payment history reveals Ocwen has been holding the principal payments made until the XXXX of the next billing month instead of applying payments received directly principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
My mortgage started in XX/XX/XXXX with Loancare LLC. In XX/XX/XXXX property tax disbursement was made in the amount of {$460.00} to the XXXX XXXX Sheriff Office ( Handles property taxes collection ) but it was made to the wrong persons parcel/tax ID number. After getting a Certified letter on XX/XX/XXXX from the Sheriff 's office stating my taxes haven't been paid all of this came to light. I had to get my closing attorney involved and my taxes were finally paid on XX/XX/XXXX in the amout of {$380.00}. Loancare sent me an escrow adjustment of my account without the benefit of crediting my escrow account back in that same amout of {$460.00} so my escrow account reflects both disbursement.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called Equifax to add my phone number to my personal credit file, faxed a request also and I was told it had been taken care of and as of today it is still not listed. I believe this is not a hard task

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold Key Credit INC is trying to collect money from me I have never been affiliated with them.This is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief