vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Simpson Law Firm, P.A.
State: MS

Complaint narrative:
I was contacted via summons ( Civil Action Number XXXX ) by a company that I have never agreed to do business with, Simpson Law Firm, located at XXXX XXXX XXXX, XXXX, MS XXXX. According to the summons, Simpson Law Firm is collecting a debt on behalf of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS XXXX. I responded to the summons with the attached letter. I've also attached a letter of the summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute XXXX XXXX  XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

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 2019-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX Powered by TRANSUNION. 


In less than 30 days, Transunion Credit Reporting perpetuated a massive 129 point reduction into my credit score for no apparent reason. Furthermore, Transunion seems to have erased all of my past credit history. My Wife and I are retired XXXX  Employees from the XXXX XXXX XXXX. We have always maintained a good credit standing as XXXX & XXXX   clearly illustrate that. We have contacted the Transunion Consumer Dispute office, but they proclaim that their reporting is accurate by their criteria and told us there is nothing they can do to further assist us.

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 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: AZ

Complaint narrative:
I was authorized by my healthcare provider ( XXXX ) for 30 visits with a Nutritionist. I was sent to see XXXX XXXX at XXXX XXXX, XXXX. I went to my first visit, paid my co-pay and saw Ms. XXXX for approximately 10 minutes. She gave me a pre-printed list of recommended diet tips and scheduled me for a follow up appointment approximately 30 days later. I returned 30 days later, paid my co-pay and spoke to Ms. XXXX for another 10 minutes and was rescheduled for another appointment approximately 30 days later. A couple of weeks later I received a bill from XXXX for {$310.00}. I called XXXX to see what was going on and they said XXXX was " balance billing '' me and that I was not responsible for the charges. I also found out that XXXX was submitting the wrong billing codes for payment. I was then connected on a 3 way call by the XXXX representative who explained to XXXX XXXX billing department the issues and how to resolve them. The XXXX representative seemed disinterested and like she was only half-listening to the XXXX representative. We ended the call thinking that the issue was resolved. A few weeks later I receive a collections notice from National Recovery Agency on behalf of XXXX for the {$310.00}. I call the collection agency to explain the situation and it falls on deaf ears. They will only listen to responses from XXXX. I called XXXX again, we 3 way call XXXX again and re-explain the situation and, again, think it is handled. I continue to receive harassing phone calls from the collection agency and the situation has not changed. I again called XXXX and filed a grievance on XX/XX/2019 ( reference # XXXX ) regarding this claim for service ( Claim # XXXX ) and was told that the investigation would be completed within 30 days. In the meanwhile, I had planned to refinance my home in order to help pay for my daughter 's coming of age party and find that this collection has caused my excellent credit score to drop to approximately 150 points. This will significantly affect the terms and cost of any loan I wish to obtain and has essentially destroyed any chance of me obtaining an affordable loan. I live on a fixed income and my credit is the only way I can afford to survive. I have an excellent payment history and my credit was flawless until this collection was put on me. I feel that I was deliberately and maliciously harmed by the actions of XXXX and do not want to see them harm anyone else in this manner.

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 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I mailed out a debt validation letter to Wakefield and Associates regarding a debt I don't recognize on my credit report. I've waited for nearly 2 months for them to respond and I have yet to hear back regarding the matter. I'm working on improving my credit at the moment and this trade line continues to hinder my progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing fraudulent information on my credit report for 3 months in a row now. I have called multiple times to inform Equifax that the information listed on my FCRA report does not belong to me, and that it needs to be removed. They have YET to remove the rest of the fraudulent information. This has violated the 605B law of the FCRA, that protects my rights. I have recently submitted documentation once again to the bureau and to the creditors to try and resolve this problem. 
Someone is benefiting from my identity, and I am the one who is being charged for these actions. 
Please remove the fraudulent information from my credit report pursuant to section 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received a call today XXXX, regarding an Issue going back until XXXX. I was advised to call back XXXX, and reference case number XXXX. First rep was rude, no help and hung up on me while waiting for a supervisor. Called back explained everything to XXXX, she could not help. Was transferred to XXXX employee id  XXXX, she did not know anything. I asked about the XXXX charge that is disputed on the statement that the company can not explain. XXXX told me she could not help and it was valid charge, although her nor anyone at Barclays could tell me why. She said she has no boss, and answers to know one. Really? No boss? I guess there is not an office of the president, CEO, board members etc ... ... .. 
THIS COMPANY IS ACTING FRAUDULENT AND ADVISING ME TO PAY SOMETHING NO ONE CAN ADVISE TO, OR SHOW A PAPER TRAIL WHY IT IS DUE???????????????????????????

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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
CONSUMER # XXXX XX/XX/XXXX my wife reached out on my behalf to file a dispute with LexisNexis to have the NON-VERIFIED information regarding a dismissed bankruptcy that claimed to have taken place XX/XX/XXXX removed for false information. I'm in the process of rebuilding my credit to purchase a home and have a time limit to do so. The time limit for the information to be looked in is 40-60 days. The time is up for LexisNexis 's research and I'm requesting the information to be removed and provide me with an updated status on my LexisNexis report with the information showing " no bankruptcy being reported '' in the NON-VERIFIED section, not verified. Verified section has already been removed and I received documents on XX/XX/XXXX showing this. XX/XX/XXXX, I was told by a LexisNexis representative that the credit reporting department, which can only be reached by LexisNexis employees, is still working on the dispute after the allotted time has passed. LexisNexis has used the the whole time frame to do this and since they're not able to come up with any information proving their claim, they should not get further time to do so. I am crunched for time and should not be hassled nor hindered by false information being reported on their behalf. LexisNexis should let its customers know when disputing reported information that when they receive the updated report showing an item being deleted, that they are in fact portraying false information. It seems like LexisNexis is " blowing smoke '' in a consumers face to make it seem like they've corrected an issue when in reality there's a UN VERIFIED section that has to have a dispute placed in as well. A consumer would  only find this out if they're actively watching their credit report and having the credit reporting agencies come back saying LexisNexis has verified the same information they claimed to have removed. Taking more time for the consumer to have the information deleted and putting more inconvenience on them. I've been going back and fourth with this company since XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited a check on XX/XX/2019 and Wells Fargo stated the hold will be 7 dayis time, which is highly unusual. The amount of the check was a large amount, however, Wells Fargo lied to me on XX/XX/2019 and I spoke to a XXXX XXXX and he stated that the check did not clear when it did clear and they had the funds but did not deposit the funds into my account until 7 business days later which means they kept my funds for over 10 days even though they had cleared and cashed the check from the issuing bank the next business day. I came back to the branch on XX/XX/2019, and spoke to the branch manger, XXXX XXXX, and he stated that they will not give me my funds but they waived my overdraft charges. When asked why waive the charges, he stated he was doing this out of common courtesy and not bank policy which is another lie.I want to inquire about these fraudelent practices of holding funds and not giving the funds to the account holder even when the funds were available to the bank.

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 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been arguing with Transunion for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also submitted paperwork to the creditors listed on my paperwork to now avail.

My identity was stolen by someone who is not benefiting from my personal information and I am the one who is left to pay the charges.

Please have the accounts listed on my report removed pursuant to section 605B of the FCRA and send all needed notification to the furnishers.

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 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
When I left XXXX XXXX apartments the property manager told me that they had already rented my apartment and said I don't owe any lease termination fees or any additional months of rent. She told me I owed nothing. 

I never received any bills from XXXX XXXX or anything else and suddenly this appears on my credit report from Fair Collections and Outsourcing and has made a huge negative mark on my credit. 

I do not owe XXXX XXXX anything and this debt is invalid and not mine.

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 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
This is regarding a collection notice that I have received from Associated Credit services. This pertains to an XXXX XX/XX/XXXX bill for the delivery of my child on XX/XX/2018. XXXXXX/XX/XXXX was the provider for this service. I was covered on my own insurance by XXXX XXXX Member ID XXXX until the day my baby was born and subsequently me and my child became a dependent on my spouses plan on the day of her birth with member ID XXXX. 
XXXXXX/XX/XXXX failed to bill the right insurance member ID and hence failed to collect their fees in a timely manner. I was covered by my insurance, old and new through the entire course of these events and continue to be covered to this day. I have confirmed with my carrier that they have billed the wrong ID. I should to be penalized for a billing that was improperly submitted. It is not my job to take care of billing an insurance company. 
Subsequently they sent my bill to collections - Associated Credit Services who I tried to call and explain my problem. I asked them for a number to call the XXXX XX/XX/XXXX and they said they cant disclose the number and I should XXXX it and call them. I did XXXX but didnt end up having a person respond on the other end. I have called the hospital itself in hopes of getting directed to the XX/XX/XXXX billing department multiple times without response. The numbers I have called are XXXX and XXXX I called Associated credit services again and they said they are a collections company and cant help me with this. 
I have unfortunately not been able to speak directly to XXXXXX/XX/XXXXdue to lack of a contact number or paper bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I ordered two " XXXX XXXX XXXX '' XXXX XXXX chargers on XX/XX/2019 from XXXX XXXX XXXX for {$100.00}, Order # XXXX, using my Wells Fargo debit card. 

I received the items I ordered on XX/XX/2019, about a month after I placed the order. 

The items I ordered do not work correctly. While it charges my XXXX XXXX, it does so extremely slowly. I recording the battery percentage as well as the time, and checked back throughout the day to record the status. Here were the results : 25 % XXXX 32 % XXXX 35 % XXXX 39 % XXXX 37 % XXXX 54 % XXXX 63 % XXXX I contacted the seller on XX/XX/2019 to request a replacement or a refund. The seller replied that it was already past their XXXX warranty. But it took more than 14 days for the items I ordered to arrive, so even if I had tried to return it the day I received it, it would have already been out of warranty. 

I filed a debit card dispute with Wells Fargo on XX/XX/2019, with reference number XXXX. Wells Fargo completed their investigation on XX/XX/2019. Wells Fargo did not decide the dispute in my favor because the item was delivered by the seller, even though it did not function correctly. 

There are 43 similar complaints about this company filed with the XXXX XXXX XXXX within the last year, either not receiving the item at all or receiving non-functioning items.

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 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank has continued to contact members of my family and place of employment despite me telling them on multiple occasions to only call my cell phone number. I originally worked out a payment plan in XXXX after they contacted my brother. Months later, in approximately XXXX, on a different matter, they contacted my husband giving him great detail regarding the amounts owed as well as my employer despite me telling them I can not speak to them at work. Within the past couple of days, they have contact my husband no less than three times. I have contacted them since and reminded them that they were not to contact anyone else and extended the payment plan that I had originally worked out in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have been arguing with XXXX for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also submitted paperwork to the creditors listed on my paperwork to now avail. 
My identity was stolen by someone who is not benefiting from my personal information and I am the one who is left to pay the charges. 
Please have the accounts listed on my report removed pursuant to section 605B of the FCRA and send all needed notification to the furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XXXX  XXXX XXXX sold my mortgage to Shellpoint Mortgage Servicing effective XX/XX/XXXX. There was a deferred payment amount of {$2300.00} that was placed at the end of the loan due to a Home Loan Modification completed in XXXX of XXXX. When Shellpoint took over the loan they tried to collect the fees and put them in past due fees. This has prevented me from making my payments online because an error message comes up that says you cant make payments when you have outstanding fees. Ive called numerous times and sent emails to customer service, each time I was told the fee would be moved to deferred payments so I would be able to make online payments. I was told the issue would be handled in 3-5 business days and its been well over a month and they are adding this fee to my mortgage payment. When I asked if they were reporting this amount to the credit bureaus as a past due amount I got no response. Before my mortgage was transferred I was able to make payments with no problems.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: CarMax, Inc.
State: CA

Complaint narrative:
CarMax reported two late payments on my credit report for a co-signed loan with my son. Reported dates of delinquency were for the months of XXXX and XXXX of 2017. I have contacted CarMax by phone several times, without resolution. I have challenged the items several times with XXXX, XXXX and XXXX. I provided hard copy proof that additional payments had been made that were misapplied as " principal only '' payments which would have covered the dates involved ahead of time. One additional payment was made in XXXX of 2017 and the other in XX/XX/2017 which is when we were first alerted by CarMax that there was a report of late payment. had the XXXX payment been properly credited, the account would have been ahead of due date for any months following, and would not have been reported 30 days late. Had the additional payments made in XXXX been properly applied to whole payments, the account would have been rectified and further bolstered before going into 60, let alone 30 days reporting erroneously overdue. They made no attempt to correct any of this. If you can help it would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I have no knowledge of this lender or amount I am being charged for. Letter dated XX/XX/XXXX as a Notice of Judgement Enforcement Proceedings from XXXX XXXX XXXX, XXXX. Attorney at Law, XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX. An attempt to call and speak with someone regarding this letter was made # XXXX -did not address themselves as a law firm but " hello how my I help you ''. It appears that this company has a history of fraudulently filing suits in attempt to collect debts. I have not been presented with any documentation, signed agreement or application to provide proof of the debt.

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