vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
CFPB COMPLAINT # XXXX ALL INFO IS THERE. YOUR RESPONSE IS A COMPLETE AND TOTAL LIE.

YOU ADVISED ME THAT IF I DO NOT OPEN A XXXX   XXXX ACCOUNT MY CARD WOULD BE CLOSED THIS IS TRUE.

THE LIE IS I HAVE ONE OPEN FOR A WHILE ALREADY.

I CALLED XXXX XXXX AND THEY BLAME ON YOU AND YOU BLAME ON THEM ... .SOUNDS LIKE 2 KIDS ... ...

SEE ATTACHMENT ... .STRANGE IF I HAD NO ACCOUNT ... ...

DEAR AMEX, TIME TO ADMIT YOU ARE WRONG HERE AND FIX THE ISSUE AND COMPENSATE OR I WILL TAKE ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This will reference prior cases XXXX ; XXXX ; and XXXX. 

I just received notice that AMEX is charging late fees of {$81000.00} while I was granted a stay by AMEX on XX/XX/XXXX while speaking to XXXX XXXX XXXX title team leader who granted a STAY for payment and now I am being hit with LAte PAyment fees. I have been defrauded by XXXX XXXX   while AMEX knows this that the monies were removed from my account after third party verification. The amount that is now owed AMEX went from XXXX to XXXX. This is not right. In addition it will be shown that XXXX XXXX   defrauded me as per a third party verification that has caused severe damages. I am lost for words what these banking institutions are doing ... Please remove these late payment fees and get XXXX To live up to their word in making XXXX payment plus damages to me ASAP Just received statement from AMEX XX/XX/XXXX 60 day late Payment fee {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I called Sallie Mae to request my account go into forbearance because my parents had gotten divorced and i had to move to Florida to support my mom, which made me financially unable to pay the loan that month. The representative on the phone accepted my request for forbearance and told me that I would not have to pay anything for the month of XX/XX/XXXX and my regular payments would start back up in XX/XX/XXXX. I said that was more than fair and I even asked him to repeat it because this is the second time now someone there has said I would be going into forbearance for the mont. This is also the second tie they lied to me. Come to find out today, XX/XX/XXXX, I get a call from them saying we I'm 60 days past due, and I'm not in forbearance because they payment did not go through. Firstly I knew nothing about a payment, and second they should not wait til I'm 60 days overdue to tell me that they made a mistake on my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Over 15 % of my income has been taken by Wells FARGO with countless fees. {$1000.00} 's!!! Separate fees of {$35.00} each were without warning of exactly when or how many. It is impossible to predict. Fee stacking is used to perpetuate more fees and in turn keep the account at a level that only causes more outrageous fees. It has had devastating consequences on my finances and on my life. I am about to get evicted and lose my car because of it. I am emotionally wrecked. The bank i trusted my money to has taken it from 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 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This will reference prior cases XXXX ; XXXX ; and XXXX. 

I just received notice that AMEX is charging late fees of {$81000.00} while I was granted a stay by AMEX on XX/XX/XXXX while speaking to XXXX XXXX XXXX title team leader who granted a STAY for payment and now I am being hit with LAte PAyment fees. I have been defrauded by XXXX XXXX   while AMEX knows this that the monies were removed from my account after third party verification. The amount that is now owed AMEX went from XXXX to XXXX. This is not right. In addition it will be shown that XXXX XXXX defrauded me as per a third party verification that has caused severe damages. I am lost for words what these banking institutions are doing ... Please remove these late payment fees and get XXXX To live up to their word in making XXXX payment plus damages to me ASAP Just received statement from AMEX XX/XX/XXXX 60 day late Payment fee {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: WY

Complaint narrative:
My account was paid in full - and due to fraudulent activity charges were made to my account. After many conversations with US Bank, these transactions were reversed, confirmed that they were fraudulent, but US Bank never contacted the credit bureaus to wipe the late payments from my credit report.

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 2018-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank fraudulently and through racial discrimination gave me a mortgage loan that was higher in interest than what was charged to a similarly situated white male. I was charged excessively for an 80/20 loan. They still continue to harass with calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
Tried XXXX XXXX, would work. Tried money gram. They require uploading a picture of the state ID. What does one do without a camera? 

It's galling Moneygram collects all this personal information, including credit card CCV and date of birth, and doesn't tell us that the process is for nought, other than getting personal information. 
At the very least, at the onset Moneygram should let all know what the requirements are, before requiring personal information. I also don't have a phone, so what does one do? 

Date : XX/XX/2018 Authorization # : XXXX ( used for tracking only )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Upon receiving my credit report. I noticed there were items on my report that wasn't mine. I immediately started a dispute with each credit bureau and the debt collection company XXXX. The item a XXXX bill was taken off of all of my reports, just to reappear under a different collection agency. I then sent a verification letter to the new collection agency Diversified Consaltants asking for verification and all I received was a statement, no SSN or and other legal verification and all they did was update to info on my credit report. I'm more than sure this is not enough to verify a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
Diversified placed an adverse report on my Transunion credit report. I dispute that any amount was ever owed. Nevertheless I paid it to get it off my report. However, Diversified still reports it unpaid.DIVERSIFIED CONSULTNTS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Remarks. Here is how this account appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} DateUpdated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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:
Equifax is ignoring my 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 2018-05-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Has contacted company to inform them debt has been paid and in progress of being disputed with Navient and borrowers Defense to be discharged. Nelnet has not taken any action to allow me to send in document and currently charging me incorrect charges towards my account. I do not owe debt Nelnet is claiming I owe and company is allowing me to continue to be charged and interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
The agency is listing the same account on my credit reports multiple times, double jeopardy. It's the same account and they are changing the amount owed by XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My original mortgage with Greentree servicing had a monthly late fee that was {$5.00} and imposed after a 5day grace period. Ditech financial bought the loan and I was told yesterday that same fee would be {$65.00} per month applied one day after the payment due date with no grace period. This is a breach of my original contract that I signed with Greentree servicing and should not be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: CA

Complaint narrative:
A company named 'XXXX XXXX ' with address XXXX XXXX XXXX XXXX, XXXX , NY XXXX with a telephone number ( XXXX ) XXXX runned a full credit enquire on my persona without my consent, and at the time to be closing escrow for a house purchase, this issue caused a significant delay in closing escrow, and delaying all arrangement to move to my new home, therefore this enquiring was a significant risk accordingly to the loan officer, to lowering the credit score and  perhaps ruin the deal. 
XXXX XXXX XXXX visit my businees to offer a merchant services, and he requested 3 bank statements which I never gave them, and after investigating with Experian I learned that XXXX XXXX XXXX, president of XXXX XXXX XXXX uses XXXX XXXX to process the credit card processing. 
After talking to the Fraud Department of Experian, I was told that 'Hard Credit Enquiring ' needs to be pre authorized, and in this case is a Violation and perhaps Fraud since I was not informed neither I new this company, and could have ruined my effort to get a house.

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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by Resurgent Capital Services. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXXor  XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax will not allow me to view my report online in their Web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
Hello, I am writing to dispute a collection reflecting on my credit report. 
Creditor : XXXX XXXX Amount : {$190.00} Date Opened XX/XX/XXXX This shows it's a debt for a medical payment. I do not recall this payment and was not notified of this bill until I pulled my credit recently. 
I have called this creditor to get this resolved but they can not guarantee this can be removed. 
I would like to request this debt to be Removed from my credit report. 
Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Upon receiving my credit report I noticed several discrepancies, A collection agency Named XXXX XXXX was on the report with a XXXX debt. I immediately contacted all 3 Credit bureaus and started a dispute. It was after 3 attempts that it was taken off of my XXXX report and my XXXX   report, but not my XXXX report. I contacted XXXX  again and asked for all documents that was provided to verify this debt. I was told by a representative that, and I quote .They rely on the creditor to investigate, and if they say I owe a million dollars, then thats what i owe. Can you you imagine being told that from people who are in charge of you credit? No proof has been sent to me at all. They end result was, verified without any proof sent to me, and it was updated on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX I fell very ill, I defaulted on a Capital One personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, Capital one sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue Capital One and XXXX XXXX for what was being done to me. I called Capital One, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by Capital One or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I have an account on my XXXX stating that on XX/XX/2018 I opened a XXXX XXXX   account and have an outstanding balance of {$110.00}. I did not have XXXX XXXX and am wondering why this is on my credit. This acct has not been verified or validated to be mines. If a signed contract not just a bill with my name in it can not be provided showing that I opened this acct please remove from my credit immediately. Credit Protection is on my credit as the collection agency.

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 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I just received a collection notice from XXXX XXXX dated XX/XX/2018, File # XXXX, Creditor : XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX Balance due {$14.00} It's asking to notify within 30 days to dispute validity which I'm doing now. 

This is not my debt. 

I've never heard of this company. I've never had a creditor named XXXX, nor have I ever not paid any creditor for that matter. I have excellent credit and pay all creditors in a timely manor. I've never received any notice of monies due from this creditor ever.

I have a step daughter with the same name and know of other many other people with my same name and am not sure if this is crossed with another person 's credit, but this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: IL

Complaint narrative:
Experian has re-inserted negative information on my report that has already been deem fraudulent and has been removed. They are in violation of the law. The following accounts are not mine and need to be removed : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One will not allow access from my service provider, such as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Hello, I am writing to dispute a collection reflecting on my credit report.

Creditor : UNIVERSAL RE Amount : {$74.00} Date Opened XX/XX/XXXX This shows it's a debt for an insurance agency. I do not recall this payment and was not notified of this bill until I pulled my credit recently.

I have called this creditor to get this resolved but they can not guarantee this can be removed even if I pay this.

I would like to request this debt to be Removed from my credit report.

Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation