vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a Bank of America and XXXX Bank equity line account at is over XXXX XXXX XXXX and it should be remove for my account. Equifax refuse to remove this information 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 explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Monday XXXX XXXX XXXX I made XXXX Transaction of XXXX and XXXX which were taken out my account. then the next I transferred XXXX to my personal account then I paid my credit card via debit card for XXXX. So the bank decided to hold all of my first transaction till the largest one went thru, then they proceeded to allow them to go thru so the can get the fees. this has happened many times in the past and they have stated to me that they feel the largest one is the priority

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 2017-11-09 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: NY

Complaint narrative:
I submitted a police report, XXXX XXXX XXXX and proof of my identity to Experian to Block Fraudulent Information reporting on my credit report pursuant to FCRA Section XXXX. Experian has REFUSED and FAILED to block this information and informed me via telephone that the creditors have " verified '' these accounts as mine. This is impossible! I would like this Fraudulent information Blocked from my credit report pursuant to federal law.

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 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a XXXX XXXX XXXX and XXXX XXXX equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a XXXX XXXX XXXX and Citizens Bank equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Purchased our vehicle and it was financed through XXXX XXXX All was well until we moved and received a notice that our insurance was reported canceled by the state of California. We contacted our insurance company and had them send over the current insurance, proving that there was no lapse in coverage. A couple of weeks later we receive a second notice of the same thing. We again contacted our insurance company and had proof of insurance sent over. Meanwhile, XXXX has added their own insurance to our bill and because we pay the same amount every month that does not include the insurance we do n't need, they are now threatening to report a delinquency to the credit bureau. We have had our insurance company send the proof of insurance a third time, but we are being told that it takes 10 days to process and will be past the 30 day mark so it will be reported to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX purchased from XXXX XXXX in XXXX XXXX XXXX on XXXX date of purchase ) I personally believe the sham starts there as they are the ones that push this company. I understand my credit is not the best and due to that fact XXXX m aware that my interest rate is higher and was told I can pay off early and lose the interest. My loan was initially taken from next step funding and some how I owe the money to monteray financial. There policies and collection protocol is ridiculous. And there customer service and support is non existent. I knew I was going to be paying at least double the sale price which already is border line loan sharing but once you twist up the terms and wording and honestly who reads that stuff. But as it turns out there is no paying off early cause Im actually renting the scooter and will pay a little more than triple the original sale price. But thats not my original gripe. I understand its my fault for not reading the fine print but as I looked online there are hundreds of people with same complaint. So there must be something we can do about this, I already threatened with a law suit and that was the only time I got any consideration. I originally stumbled onto this problem by accicident because XXXX weeks after I bought the scooter is broke down. And repeatedly broke down for about 2 months, I could not get any kind of service or help from XXXX XXXX and I was not going to continue to pay for a broken scooter. I tried next step funding and got no where and then started to get phone calls from XXXX XXXX about 5 Times a day and my fianc as well calling her at work and she isnt even involved, I told them my situation and was told they only gave me a loan and are not responsible for scooter Fair enough I though at the time so I figured I had to balttle with scooter store., I come to find out that I pay a rental fee to them so they are responsible I told them I want to keep my agreement as fraudulent as it is but am not paying fior the time scooter wasnt working I said I will pay for current month once you take old months off,, I guess they just wanted my money cause they agreed and I payed and next month it started all over again and every month since then. And now Im getting bad credit reports. I worked very hard on my credit the past 2 years to repair my childhood damage and Im at a loss here. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I first received a letter from XXXX XXXX which listed itself as a subsidiary of XXXX XXXX XXXXt. The letter was datedXX/XX/XXXX and I received it XXXX/XXXX/XXXX. The letter stated they just acquired a debt that I owed to the tune of {$6600.00} and demanded payment. OnXX/XX/XXXX they sent an overnight XXXX letter to me stating they had made numerous attempts to contact me- I had received one letter and have never spoken to anyone on the phone ) and threatening to sue me. I sent a certified mailed request for validation and disputing that I owed them any money ( which was signed for by them on XX/XX/XXXX ). I requested a contract with my signature showing that I owe them anything at all. I then received 2 letters from them - both were dated XX/XX/XXXXhowever I received them on 2 separate dates - First I received a letter welcoming me to MCM - Midland ( no longer listing XXXX XXXX ) and stating they got the debt onXX/XX/XXXX ( previously they had given me no date ). and telling me to call to make good on paying them. Then a day later I got another letter from MCM stating they received my dispute and stating their info is correct. They enclosed a copy of an old statement from months prior from when they claim to have gotten this debt. They enclosed no contract, nothing with my signature indicating that I have any obligation to them. I have again sent them a request for something with a signature and asking for details. I believe this violates my rights under the FDCPA and FDCRA - they did report that I was disputing it but then stated it is legit without anything showing I signed. They tried to intimidate me by sending me the overnight package threatening me with litigation without even allowing me time to dispute it and then tried to cover it up by transferring it within their own company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I sold an item on XXXX and shipped it to XXXX using XXXX. The tracking number indicates that the item is located in the XXXX XXXX XXXX XXXX XXXX. I have documentation of the delivery and documentation from the buyer that he is refusing delivery to his residence. The item is at this address. Office Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX - XXXX XXXX Telephone Number. : + ( XXXX ) ( XXXX ) XXXX, XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: FL

Complaint narrative:
I received seervice at XXXX XXXX XXXX, after the invoice was genereated we agree to payments debted automatic from my account, after XXXXXXXX XXXX had passed a collection agency was taken my paymnets withouth any explanation ( Gobal Receivable Solutions Inc XXXX we concluded that a new agreement was settle to make payments of {$140.00} starting XXXX XXXX after XXXX XXXX they accepted know a new collection agency is trying to collect the money without any knowledge

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 2017-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a joint checking acct holder with my brother whom lived in another state and was young. We added myself to the account incase someone from our home stated needed to make deposits etc into the acct for him with him being so far away. The acct was overdrawn by him and then closed. acct opened in 2006. After this occurred and I received phone call I explained all of the above to the banking institute. 
I now 11 years later receive a phone call from a collection firm on behalf of XXXX XXXX stating that they are filing a civil suit against me and I am the only SS # listed. That they will serve me papers at my home or my job where my supervisor will have to sign as a witness as well. This is the first point of contact also mind you. No mail received NOTHING. I explain when I return the call to this collection firm that I work and I am not available between XXXX-XXXX. An that they are NOT to come to my place of employment. I question the matter and what is owed. I am told a flat fee of {$500.00}. has been access to the overdrawn amount which I am not even sure what the original amount might have been at this point.

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 2017-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally continues to call me at my place of employment looking for my spouse. I have informed them from the first call that this is the incorrect number, this is my POE and to remove the number from being called, yet calls continue. I have been called 3 times on XXXX XXXX,4 times on 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 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
was on business Travel and XXXX XXXX violated the tcpa rules by calling me 4 to 5 times a day without direct Communication. 17 abandoned calls. LINE IS FOR BUSINESS USE ONLY. PROCEDING TO TAKE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VALLEY NATIONAL BANCORP
State: PA

Complaint narrative:
I called Valley National Bank XXXX XXXX XXXX to make the 1st payment. I was told to call back Monday XXXX XXXX XXXX to get the payoff balance. I called back Monday XXXX XXXX XXXX. And they gave me the payoff amount of XXXX and told me it will be XXXX each day and the amount they gave me was XXXX less than stated. I refinanced the loan with the XXXX XXXX XXXX XXXX XXXX. The exact amount I gave the police and fire credit union included a ten day interest accrual. XXXX sent Valley national Bank the check. A week later XXXX states I owe them XXXX more. When I asked what is the extra amount for. The lady stated it could have been a clerical era and the person I spoke to on Monday gave me an incorrect amount. That is a lie, when I spoke to the XXXX XXXX XXXX She pulled up my account. She stated my first payment went thru. And she told me the payoff amount. XXXX is trying to get more money from me. I want them investigated. I want your to look at the statements, and review the conversations which they have. And the copy of the comments. The lady told me that interest rates can change. No way in XXXX can it change from a payoff amount, than days later accrue {$86.00}. I want someone to review everything on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I have had dealings with XXXX XXXX, I will admit this but not once, in any written letter or e-mail sent to me, have I ever received a bill saying I owed them money. What is this debt for? With the data breach, is this debt even mine? And why have I received no letter in the mail from the collector about this debt before they are allowed to put a negative mark on my credit report. I disputed this once with XXXX already and they put it back up again and I still have no letter in the mail. I am definitely disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting an alleged 30-day mortgage late payment on a joint mortgage I have with a family member. 
I contacted them through my Loan Advisor to get them to delete the false late but they responded saying no. 
Because, since that alleged late payment ( XX/XX/XXXX ) they since transferred the Servicing to XXXX XXXX XXXX ( XX/XX/XXXX ) I can not access the actual pay history in XXXX XXXX 's portal or any other way. 
I provided XXXX XXXXXXXX XXXXXXXX XXXX Statements from my family member which clearly show EVERY SINGLE PAYMENT XX/XX/XXXX-through XX/XX/XXXX paid within 30 days of the due date. They are not acknowledging the fact. 
XXXX 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 2017-11-09 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: VA

Complaint narrative:
I initiated a credit report investigation with Equifax on XX/XX/XXXX. Equifax sent me an email on XX/XX/XXXX at XXXX advising me that the my credit report was ready to view online. I attempted to view the credit report online and was not able to. On XX/XX/XXXX at XXXX, I was awakened from my sleep with an electronic reminder to check my credit report online and I was once again unable to. 

Equifax advised me that they would resolving this issue last week and would contacting me when it had fixed it. I received no phone call indicating that the issue had been resolved. 

I firmly believe that this has been done on purpose as to preclude my ability to obtain my credit report without calling in or mailing in. 

I firmly believe that Equifax is attempting to withhold my credit report to delay and preclude my ability to make disputes because it profits by keeping incorrect/fraudulent derogatory information on my credit reports. The longer that Equifax can keep incorrect/fraudulent information on my credit reports the more it may profit. 

I have attached a copy of Equifax ' fraudulent statement indicating that my credit report was available online and subsequent refusal to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC
State: FL

Complaint narrative:
My debt comes from XXXX XXXX XXXX, whe treatment was made, afeter billing we maded an agreement for payment with automaticalyy withdrawn after few payments, the next call was from a collection agency XXXX XXXX XXXX XXXX, i had never was informed my account was passed tothis company since i never refused paying, finally we went into a new agreement after huricane XXXX, i was going tostar paying on XXXX 2018 {$140.00}, oo, after that i received a letter from a new collection agency Capio which hads very rude personal, and very bad tactics of collecting and manners not to good since i never made any negociations or signed any type of documents for this companies to had the rights on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Protection Association, L.P.
State: AZ

Complaint narrative:
This morning, starting at XXXX, they called me 16 times. The last call at XXXX. ( I took screen shots of the calls ) That is harassment. They call all the time anyway, at least 2-4 times a day. 
I called them once and asked them to prove the debt is mine and they have never provided me the proof.

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 2017-11-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I had a account with USAA that i filed chapter XXXX on and it is still active. My wife 's credit report is showing 90 days late on this account, she was an authorized user only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, I am having a problem with Capital One. I had called them mid XX/XX/XXXX to advise I would be late on that payment and to ask if they would reverse any late fee as a courtesy as I 've always been on time. The CSR I spoke with I believe was XXXX advised me to call back after the payment had been posted and the fee ( {$27.00} ) would be reversed. My payment is due on the XX/XX/XXXX of each month. I made a {$50.00} payment on XX/XX/XXXX. I waited a few days and it had not been removed. I called once again on or around XX/XX/XXXX and still no credit. My account would have been current with payments. Once again another call made and I spoke with XXXX. He told me that someone " would look in to it '' and get back to me. I told him that all I wanted was what the first rep assured me would be done and that late fee would be waived. Instead they just keep piling on fees and this is becoming very frustrating and upsetting. I 'm XXXX years old with health issues and feel they are just practicing very poor business skills. I made my XX/XX/XXXX payment on time ( XX/XX/XXXX ) for {$50.00}. Now, the automated system is telling me I owe {$100.00}!!! It should be {$47.00} due for the month of XX/XX/XXXX. At this point I feel I 'm facing a losing battle with them. Just keep racking up deceptive fees. I 've always made payments on time and have tried to resolve this over the phone to no avail. Please help me. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I Have Tried At Least 10 Times To Apply For A Loan Modification : The Company Ocwen LLC Servicing Has Been Giving Me The Run Around, By Telling Me The Application Was Incomplete, And Ask For Additional Information, As I See The Information, They Say I Need Something Else. They Did This Until They Won The Sale Date With The Judge. I Have Certified Mail On Me Sending The The Applications For About A Year Or Longer.

Company response to consumer: Closed with explanation