vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I saw this debt collection was on my credit report. I called the collection company they have no knowledge of this debt. They tried to find me in there system using Name, DOB, address, the company that the debt was with, and SSN nothing showed up. So I was told I didn't have a collection debt with them and to dispute it with the credit company XXXX. I disputed it and it still on my credit!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIRN, INC.
State: OR

Complaint narrative:
Was told about two debts this company just received. I disputed the debt and asked to see proof of the debt. They did not send proof of the debt, instead they sued me in small claims court. After being served by the sheriff I received a letter listing the two debts. I sent a certified letter back disputing the debts. Now I just found out they won a judgement against me without going to court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I sent using XXXX XXXX to a person for a personal matter, since the money was never available immediately, I took care and sent money using a different app BUT the original XXXX that I sent using XXXX by capital one until this day the payment status says sent and not delivered. The person never recieve the money and the money was deducted right away from my account. I place a claim with capital one bank and all they said was the claim was denied because there was no error in the transaction besides the fact that I don't have the money and the person never recieve it? Really? They gave me XXXX  phone number and told me to contact them. They know very well cause I most not be the first person with this type of issues that there's not such a thing like XXXX customer service, that number all it says to contact your bank if any issues. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2018 for the second time I sent certified mail and requested that any addresses that didn't reflect my current address on my credit report be removed Transunion with a notarized letter. Since then they responded back with the addresses still showing.

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 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a Visa Platinum Card in the mail today. I did not apply for the card and there is no indication of an application number. Regardless, I did not apply for or want this or any card from First National Bank. A scan of the letter ( with card ) is attached ( XXXX XXXX - First National Bank.pdf ). It appears that XXXX XXXX XXXX XX/XX/2018 may be the source of the application.

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 2018-12-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX  and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: WV

Complaint narrative:
I contacted them regarding a hospital debt for {$630.00} and another hospital debt for {$1700.00} that was paid by insurance they insist this debt is still owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: FL

Complaint narrative:
On XX/XX/2018 I requested my " annual credit report '' via snail mail. Instead of getting my timely report I received a letter on XX/XX/2018 dated XX/XX/2018 which requests identity documents in order to get a free report which I am entitled to. It seems that every year it seems to be the same excuse to delay, deny my timely copy of my credit file. The name and address has not changed so what excuse is there except another attempt to procure information to extend there data mining efforts to collect more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I opened a billing dispute with American Express for a charge of {$700.00} that was authorized on XX/XX/2018 to the merchant " XXXX ''. This charge was for haircut and color I had done at this salon. I disputed the transaction because the stylist didn't provide me with the service I requested and the service was defective. Dispute reason code : C32. I provided American Express with a letter explaining what happened and why I'm disputing the charge. More importantly, I provided a copy of the text messages conversation with the merchant showing that she offered to " fix '' my haircut and color at no additional charge which constitutes an acknowledgment from her that her service was defective and needed to be re-done. I also provided American Express with pictures of the service I requested versus pictures of the service I received.

I contacted American Express today, XX/XX/2018, to inquire about the status of this case and was told that the dispute was closed in Merchant 's favor because the merchant provided a copy of a signed document showing that I authorized the transaction and paid a tip.

It's the standard at Women 's hair salons to pay a tip and It doesn't mean the customer is happy with the service, I actually paid her the least acceptable tip and as I explained in my letter, I didn't realize the service was defective until I went back home and had the proper lighting and took pictures of my hair to document the defective service I received.

I am astonished that Amercian Express Ignored the fact that the Merchant acknowledged the service was defective by offering to " Fix '' my hair at no additional charge and closed the case in Merchant 's favor based on the signed document that I authorized the transaction. The reason code for my dispute is C32 : Service Defective NOT F14 ( Missing Signature ), F24 ( No Card Member Authorization ) or A02 ( No Valid Authorization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
In XX/XX/XXXX my loan service stated that I would need to show proof of homeowner liability insurance. I provide this proof through my associations master policy which covers the rebuilding of my home interior and exterior. The servicer placed forced coverage inspite of my writting request not to do so. I had no knowledge of what type of coverage was place, what it covered and the cost was not know until XXXX, when they made the same demands again. Cost was over 10X the  cost of a normal H06 policy. 

I have lived at this residence since XXXX. XXXX XXXX was our loan servicer and not once did they require a personal home liability policy. The homeowners association also has never made such a requiremnent. I understand that this practice is illegal in New York State. he cost of the illegal policy was close to {$5000.00}. A normal consumer home liability policy ( of which I recently purchased ) cost less then {$600.00} per year. The placement of the forced insurance has had severe impact on my ability to pay my monthly mortgage. This annual insurance premium was taken out of my escrow monies which placed me in a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: AL

Complaint narrative:
Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/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 2018-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ONEMAIN with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ND

Complaint narrative:
On XX/XX/XXXX I submitted a complaint that Bayview Loan Servicing failed to report the correct date of 1st delinquency. Bayview responded onXX/XX/XXXX that the date was correct. On XX/XX/XXXX, XXXX  responded to their complaint verifying that the date of first delinquency wasXX/XX/XXXX and was removing the account ( copy attached and also in CFPB file : XXXX ). Bayview failed to contact XXXX, who owned the loan prior to them, and falsely and fraudulently reported that the information was correct when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citibank to check account bonus eligibility to make sure I did not have account within 180 days and was eligible for bonus before opening account. They confirmed I would get a {$400.00} bonus for Open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have screenshot of my chat with a representative on XXXX XXXX to confirm completion and credit of my credit on XX/XX/XXXX Account funded XXXX and completion on XX/XX/XXXX. 

After calling representative XX/XX/XXXX they opened a case to research the issue and resolve issue. I called for follow up on XX/XX/XXXX and representative said I no longer qualify for bonus.

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 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Life Line Billing Systems, LLC
State: WI

Complaint narrative:
XXXX trying to collect a debt that the day I originally occurred the debt is past the 6 year statue of limitations and it is still negativily impacting my credit. I believe it's manupilative business practices which they should be held accountable. The account is duplicated on my credit I believe driving my collections up to negatively impact my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
An account was opened in my name with XXXX XXXX that I did not do! Ive disputed this several Times with no luck. Now its in with a collection agency. I want this removed cause its not mine. Please help me XXXX XXXX XXXX {$4500.00} Dates from 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The information in a collection account on my credit history is inaccurate specially the date of first delinquency is too old, because it has been improperly aged by the collection agency, and Equifax doesn't remove it even after 3 trials for dispute! 

I have changed my address since XX/XX/2018, and I am sure that I have paid all received bills. Even my address has been changed, USPS is still forwarding all letters to my new address. 

This incident might be related to a most recent bill on XX/XX/2018 from a medical centre inside another medical center that I have paid the bill. I received it in my new address very late in XXXX, and I called them to send me a new discounted bill, because I have paid very similar service to the hospital where they are in. Meanwhile, I talked to my insurance for any adjustment. But it seems they finally gave it to a collection agency called XXXX XXXX XXXX ( XXXX ) without any notice. 

My concern is that XXXX did not send me any prior notice, and they just reported to my history to frighten me. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''. 

( 1 ) XXXX did not send any collection notice to me. 
( 2 ) XXXX altered the date of first delinquency. 

Anyway, I called XXXX to pay the bill as soon as I receive the notice. Meanwhile, I disputed the bill with all credit reporting agencies, because its information is inaccurate, and it hurts my score a lot, as I never had any credit issue. XXXX  and XXXX  removed it from my history, but Equifax did not even after 3 trials! 

Please investigate this incident and let me know what to do next. Thanks for your support. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Despite 5 or more written request, this debt collector business has failed to verify correctly items listed in my credit report and still remain. Under the FCRA, they need to have a copy of the original creditor 's documentation to verify the information is mine and is correct. They have not provided a copy of ANY original documentation, a consumer contract with my signature on it as required under SECTION 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They continue to violate my right to know their method of verification as required under section ( a ) ( 7 ) of FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. The Law is very clear as to the Civil liability and the remedy available to me ( Section 616 and 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. ***As per FTC opinion letter from Attorney XXXX XXXX XXXX  , you should be aware that a printout of a bill or itemized document does not constitute verification. *** This debt collecting company has violated The Fair Debt Collection Practices Act, including but not limited to Section 807-8 and Section 623-b.

They claim I owe {$1600.00}.

I have proof of certified mail as I maintained careful communication and they continue to be non-compliance of Federal laws under The Fair Debt Collection Practices Act, The Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that this debt collecting business is liable for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I was charged legal fee for a attorney but they can not give me details on what the what the attorney did. I also hired a attorney and my attorney did all the work. Was told by the banks attorney to just send him all the information to approve. His fees was {$8200.00}. I have requested exact details on what the attorney did and was sent the same court documents that was sent to me by the court. No proof of what the {$8200.00} went for. I have emails showing the banks attorney did nothing. When asked about if they hold the attorney to a standard was told no they get a invoice and they pay it and I was responsible for paying the bill. When I pointed out that their attorney almost settled for {$14000.00} when cost to remediate the damages was over {$60000.00} was told that it was not their issue. Mr. Cooper did not hold their attorney to any standard and let the attorney charge for doing nothing. In addition, I was never told they hired a attorney nor did the attorney contact me to find out information on how the imminent domain case impacted the property. I do not feel I should pay for both attorney fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX XXXX XXXX and XXXX XXXX XXXX is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo apparently has weak internal controls and accounting systems. Their mobile app indicated a transaction of {$7000.00} from XX/XX/1999 is pending which prevented access to my home equity line of credit. As a result of their poor systems and lack of controls, my {$15000.00} check did not clear with a vendor causing me much embarrassment and hardship during my construction project. This is a bank that has repeatedly hurt their customers over and over again and I wish you guys would make them get their act together.

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