vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA

Complaint narrative:
I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXXwith the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-21 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: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
To whom it my concern, never made any inquiries on my credit. Suntrust bank is on my hard inquiry that I never did. Please look into this cause I did n't look for any loans for anything. Thanks 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 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my account in XXXX 2017 due to identity theft and home burglary. Now the credit card company Citi bank tries to collect {$1500.00} that was previously resolved due to fraud. I do n't owe this amount. Plus, when I closed the account, my balance was {$0.00}

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 2018-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo Home Mortgage is reporting a past due balance on my credit report with the three major credit bureaus. This is inaccurate and violates The Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, Wells Fargo modified the loan as a Trouble Debt Restructure in the name of XXXX XXXX. As a result of the XXXX, the loan was subsequently brought current. Although the mortgage is current, the mortgage is showing as a late payment on my credit report in the amount of {$2600.00} and shows 60 days late. I believe the failure of Wells Fargo not updating my information is negligent. As a result, the action of Wells Fargo has damaged my credit and caused me emotional distress and mental anguish.

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 2018-01-21 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: NY

Complaint narrative:
I address issue on XX/XX/XXXX and the website work only one day for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXX with the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Optimum Outcomes NC XXXX XXXX XXXX Permit # XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone XXXX Negotiated Payment of Debt with Optimum Outcomes in exchange for debt being removed from all 3 credit reports. 

I paid the debt, however, it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This is worst kind of company incompetent and totally out of compliance! Do not call or ask this company for advice, XXXX XXXX XXXX! My wife and I called in 2012 and asked about having our taxes done with XXXX. We never entered into a contract nor did we ever sign any contract agreeing to any fees! Our contact XXXX was disrespectful and egregious to my wife, a XXXX XXXX, and myself. We did not like her attitude, guess we were right as she has reported us to collection agencies for erroneous fees she says we owe when we never agreed to any fees nor did we enter into a known contract agreeing to any fees! We actually never met with nor did we ever intend to employee this nasty person XXXX! This was a horrible person and we never would do business with a person like this!. Not to mention because our phone call took place 5 years ago, the statute of limitations for a collection has passed for either a written and or verbal contract, nor did the company go through due process. The collection agency is a gross injustice and in violation of the predatory lending laws and needs a reprimand by the CFPB. Please see that this horrible company are fined due to fact that they are out of compliance and we would not want to see any good folks like us taken advantage of. We will pursue this company to the full extent of the law for their greed and gross injustice. We wish to be adjudicated forthwith without prejudice! We have reported this company to CFPB, XXXX and the Better Business Bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
I sent a letter to CONN CREDIT CO for Account number XXXX asking for verification and original documention of contracts with my signature per FCRA. I was notified that this account was valid with no proof of verification or proof of fair and thorough investigation per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: Senex Services Corp.
State: OH

Complaint narrative:
Around XX/XX/XXXX I asked for verification for Senex Services reporting on my credit. First of all it took more than 30 days for the credit bureaus to even respond to me. When I contacted them they told me that they verified the information with Senex services and that they were within the law to report what they had on my credit bureau. Well Senex Services sends me a letter that is in violation of my XXXX rights and its illegal for the credit bureaus to even be reporting Senex Services on my file.If in fact the attached is what was sent to ALL 3 credit bereaus..XXXX, XXXX andcXXXX. I demand that Senex Services removes this from all three credit bureaus immediately.my medical information was NOT TO BE shared with a 3rd party nor these 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEMS #XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX


National Credit Systems has 2 erroneous debts on my credit report for XXXX  XXXX.

NATIONAL CREDIT SYSTEMS #XXXX placed for collection: XX/XX/XXXX Balance: $XXXX and Placed for collection: XX/XX/XXXX Balance: $XXXX XX/XX/XXXX.

XXXX  Credit report shows false debt has been disputed by me:

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX

National is aware this is a false debt as I currently reside at XXXX XXXX, my lease has been renewed each year in my name since XX/XX/XXXX, because I paid all my debt to XXXX XXXX

National Credit Systems is aware of this fact as they just mailed me a letter to my current residence at XXXX XXXX.

I have provided a copy of my account ledger, which illustrates, I am still a XXXX XXXX tenant and my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Purchased a home XX/XX/XXXX financed thru XXXX XXXX XXXX. I suffered multiple hardships throughout XX/XX/XXXX and in XX/XX/XXXX, I requested hardship assistance from GMAC regarding my mortgage because I was struggling financially. Instead of helping me, GMAC started the foreclosure process against me in XX/XX/XXXX. After months of anguish and worry that my children and I would soon be displaced and homeless, GMAC decided to walk away from and rescinded the foreclosure process. In XX/XX/XXXX, GMAC approved a loan modification for my mortgage. However, GMAC inflated my mortgage balance and extended the term of the loan to XX/XX/XXXX effectively keeping me in the poor house while they get richer from exorbitant interest charges over a longer loan lifetime. 
Original mortgage XX/XX/XXXX = {$130000.00} Reaffirmed during Bankruptcy XX/XX/XXXX = {$120000.00} Mortgage balance as of XX/XX/XXXX = {$110000.00} Someone please explain to me how my principal mortgage balance decreased {$13000.00} within the first 5 years and has only gone down {$3400.00} in the subsequent 9 1/2 years?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Last month I never received my statement via mail or email. I called the company and paid my bill in full and informed them I did not receive a statement. They removed the late fee. Again today I happened to call to check my due date and found out it was yesterday and again I did not receive my statement. I would like my late fee waived because this is no fault of my own. I only called because I thought this was around the time the bill is usually due. I should not have to guess. I need my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A prospective client found me on my website. He asked for my professional services. I quoted my price and he sent a check that I deposited in my Wells Fargo Checking Account. The amount appeared in the Pending Transactions Window for three days. The fourth day, a Monday, it was in the CREDIT COLUMN. I believed the check had cleared. Fraudulent client asked for money back on Tuesday. Tuesday morning the amount was still in the Credit Column. I sent him {$4000.00} out of the {$5800.00} he had sent as I had already started the work.I had a cashier 's check prepared at 1 PM on Tuesday at a Wells Fargo branch and deposited the money at the bank indicated by the fraudulent client. On Tuesday night Wells Fargo informed me the check had not cleared although it had been in the Credit Column since Monday. I sent the money back believing the check was solvent. By the time Wells Fargo informed me that this was not a check supported by funds it was too late. My question is - WHY WAS THE AMOUNT IN THE CREDIT COLUMN OF MY CHECKING ACCOUNT AND NOT LEFT IN THE PENDING TRANSACTIONS WHERE IT HAD BEEN FOR THREE DAYS? Wells Fargo fined me {$12.00} and takes absolutely no responsibility.

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 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is blocking me from being able to link my mobile wallet to my bank account. I need them connected so I can deposit if I decide to see assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: AR Resources, Inc.
State: VA

Complaint narrative:
the company is called Ar Resources, and they have reported 3 separate accounts to all 3 credit agencies. the first was reported XXXX XXXX, XXXX for {$680.00}. The second was reported XXXX XXXX, XXXX for {$1400.00}, and the third was input XXXX XXXX, XXXX for {$710.00}. I have demanded that they send me proof with my signature that i opened these accounts, as per section 609 of the fair credit reporting act, but they have yet to do so. These need to be deleted from XXXX, XXXX and XXXX immediately since the company failed to provide me with signed proof that these are my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: HI

Complaint narrative:
I have repeatedly called XXXX XXXX of XXXX XXXX, XXXX alerting them that I do not even live in the area, I have since moved to Hawaii. There are no locations here in the state of Hawaii. I even on a visit to Maryland during XXXX XXXX XXXX Holidays i visited the XXXX XXXX, XXXX XXXX and spoke to a representative and asked for my account to be closed. Keep in mind I have fulfilled the minimum contract by this time and was on a month to month. They continued to take money from my bank account/Debit Card on file until the card expired and they could not debit it for the amount of monthly membership. I received a cal from a club manager and I alerted her of the fact that my account is supposed to be closed. The company can not offer me a facility in Hawaii so I do not want to continue membership. They continued to strong arm me and harass me for monthly payment. They placed my account in collections with First Credit Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX and have a collections account for a total of XXXX. Now it is XXXX XXXX that continues to call my phone in the early morning hours. 
I would like this removed from all reporting agencies, XXXX, XXXX and 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 2018-01-21 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: NM

Complaint narrative:
Experian is not responding to any of my numerous requests to investigate, verify and remove one account from my credit report that does not belong to me.

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 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
I sent a letter to account services regarding account XXXX asking for verification and validation of this account. I was notified that it was verified without any proof of documents in original form with my signature. and no proof of a fair and thorough investigation.

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 2018-01-21 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I file a dispute letter with XXXX, Transunion and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, XXXX and Transunion didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to XXXX and Transunion were 609 and 611 FRCA.

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 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied for a Capital One credit on XXXX XXXX. Capital One hard pulled my XXXX credit report on the XXXX and they hard pulled XXXX again on the XXXX. They denied my application on the XXXX saying the reason is there are too many inquiries on the XXXX credit report. This is ridiculous! First of all, Capital One does not need to pull my XXXX report twice in two days. Secondly, after they hard pulled my credit report twice in two days then denying my application based on that makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: NM

Complaint narrative:
Experian and XXXX are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2018-01-21 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: NM

Complaint narrative:
XXXX and Equifax are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XXXX SHELLPOINT MORTGAGE SERVICING is NEGATIVELY AFFECTING MY CREDIT and I am NOT in ARREARS! A few months ago, I switched to a bi-monthly pay system so they actually take half my payment 2 weeks EARLY and the balance on the due date. 

I have XXXX credit monitoring set up so I just received notification that Shellpoint has been posting derrogatory activity every month since this started!?! I have had numerous complaints about this company fro Day XXXX  Why is this company not being investigated for their mistakes and horrible service??? My score has dropped from XXXX to XXXX as a result!!! I WANT THIS FIXED IMMEDIATELY!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation