vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 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: OH

Complaint narrative:
On XX/XX/2018, I sought to establish a utility service with XXXX XXXX. We couldn't complete the initial screen because there is a block on my credit file with Equifax. I called Equifax, spoke with an agent who identified himself as XXXX he asked if I had a credit card and who was the lender. I told him. Then he asked did I have any past credit card accounts. I asked him to explain his meaning for " past '', and he just said past accounts. I told him that the only account I no longer have was through XXXX XXXX. He then said my answers were incorrect, and he couldn't go any further until I verify any past accounts. I asked to speak to his supervisor and was denied. I asked him three times after this and was still denied. I then asked him what the process is to place a block on a file. He answered that he couldn't give that info until he verify my identity. After this I reiterated that I need the block off of my file, and I need to know how the block was put on my file. The agent refused to answer my concerns and he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX XXXX and I went into our local Wells Fargo Bank to try to get an accounting of where our money is going each time we successfully make a payment. We have missed 2 payments and are one payment behind at this time. The woman helping us made some phone calls to their Mortgage Center. By the time she was finished with the call, she was as confused as we are. According to Wells Fargo Mortgage, we are behind by {$1400.00}. 

XX/XX/2018 Paid XXXX ; XX/XX/2018 Paid {$1400.00} but was returned NSF ; XX/XX/2018 Paid {$1500.00} ; XX/XX/2018 Paid {$1700.00} ; XX/XX/2018 To Pay {$1600.00}. This should bring us closer to being current. We are going to continue making overpayments, but are very concerned about how our funds are being used!

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 2018-07-20 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: NY

Complaint narrative:
There are two accounts from XXXX XXXX on my Equifax report which are business accounts under a tax id and should be on my business credit profile only. While XXXX and XXXX XXXX, still Equifax reports it to my personal profile causing me damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Over the past year and a half, I have been made numerous attempts to Bank of America requesting them to stop making automatic debit payments from my  checking account to my credit cards, which I was paying already every month. 

After numerous futile attempts to get them to stop, I filed a fraudulent payments complaint at Bank of America, who then closed both of my credit card accounts without any communication or contact with me, using an excuse that my limits were too high, in spite of my never making a late payment. 

The account numbers in question are a Platinum Plus XXXX/last four digits-XXXX Visa Signature/last four digits-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 2018-07-20 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: TX

Complaint narrative:
I had medical bills that were originally disputed to the provider and as a result they turned them over to collection. I was notified by the " collection agencies '' of the accounts and promptly disputed within the FCRA guidelines. I was notified that these accounts, shortly thereafter were reporting on my credit reports at the three ( 3 ) credit bureaus.I explained in my disputes that they were reported due to unauthorized services during a hospital stay and services that were bordering on malpractice i explained that I had discussed this already with the providers directly. .Additionally noted that the " collection agencies '' did not comply within FCRA guidelines and respond to my disputes but merely put the accounts on my credit reports within days of their letters.

XXXX and Experian both removed the accounts from my reports. 
XXXX refuses to do so and after several disputes filed and phone calls they say that I should of contacted them and not the " collection agencies :. This makes absolutely no sense as how can I dispute something that is not on my report, makes NO SENSE. 
They continue to refuse to listen to reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CO

Complaint narrative:
On XX/XX/18 I purchased a remote start system, door speakers and had my windows tinted at XXXXXXXX XXXX XXXX XXXX I was told I was being financed and it would go through Acima credit. When I got the approval email I was informed it was actually a lease agreement. I never was asked too sign anything instead a text was sent too me that the merchant told me they needed to put into the system it stated Notice! Using this code is equal to physically signing your lease agreement with Acima. Code : 5768 ( Reply STOP to  unsubscribe ) the lease was never presented nor read too me. I never received a copy or anything. The work I had done was roughly around 800 some odd dollars. With a early buyout option for 900 some odd dollars. I was told originally by the merchant the early pay off was the amount of which I had the work done for but later found it out it was actually about {$100.00} dollars more. Meanwhile I didnt make the early payoff date and was later informed that Id have to pay installments on the lease that equalled up too almost 1900 dollars. I never was informed of this if I had been I definitely wouldnt have agreed too it. I contacted acima trying to get a copy where I signed something stating this and they told me that it was signed using that code they sent me. I never even had a chance too read anything as the merchant had it all on his computer. I asked why I was never sent a copy or anything of the lease agreement. And they told me I was sent one. I then asked for them them to send me some form of documentation as too when they sent the supposed email and they told me they couldnt provide me with that information for security purposes. They never sent me a lease agreement Ive went through every email from them including my junk and spam folders and never was informed of this. Im just now finding out theyre charging me for this XXXX dollars for XXXX dollars worth of work because Im in the process of purchasing my first home. And was informed this lease had to be taken off my credit before I could close.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: AZ

Complaint narrative:
XX/XX/XXXX I went inside the branch to make my mortgage payment using a bank cashier check.

Long story short, as of XX/XX/XXXX ... XXXX XXXX XXXX dont see a payment. Called multiple time and I keep getting different answers. A few Agents said they see XX/XX/XXXX payment it will post soon and a few of other agents says they dont see the payment or havent received it.

XX/XX/XXXX I received a late fee charge but it was credited back because Im safe for 60 days.

2 months in with this dumb company and still cant get it resolved. Worst customer service and worst customer experience.

So the XX/XX/XXXX payment is no where to be found. I still have a copy of my XX/XX/XXXX Payment Cashier check. Processed my payment for XX/XX/XXXX ( which was posted for XX/XX/XXXX ).

Before XXXX XXXX XXXX, there was XXXX  before they merged/bought out. It says it will take XXXX XXXX XXXX up to 45 days to catch on to XXXX  system which ... the days have passed.

Need to get their XXXX  straight.

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 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Discovery Systems, LLC
State: CT

Complaint narrative:
A message was left on my grandmother 's voicemail asking me to call today. No information was given over the voicemail about what debt it was rather the caller, XXXX XXXX, stated that a creditor wanted to receive information about my income and assets and wanted to contact me first before she calls my employer. 

I received a text from a relative the next day ( third party ) stating XXXX said to contact her TODAY or else she would be calling my employer. Contacting a third party regarding a debt and making threats is unethical for I don't speak to this relative but twice a year. 

I can send both voicemail recordings to you if you would like to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, I was notified that a collection account under the name of Diversified Consultants was placed on my credit report. I contacted the company and confirmed that the collection was for a XXXX account opened under my SSN in XXXX that went delinquent in XXXX. My biological father has, in the past, used my SSN to open fraudulent accounts and was XXXX  by the state of NC a few years ago, XXXX XXXX XXXX  XXXX  for his crimes. I was advised by my credit monitoring agency to dispute the claim with both XXXX - the CRA that the collection appeared on - and with XXXX directly. TransUnion concluded their investigation and removed the account from my report. I was further advised to file a police report and an Identity Theft Report with the FTC, which I did. Unfortunately, XXXX refused to do so stating that my fraud claim was denied due to - " Information on the account ties to a relative in a public records search or the documents you provided. '' This seems unacceptable that I would be denied a fraud claim simply because the individual who committed the fraud is a relative of mine, with whom I have had no relationship with in well over two decades.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: MN

Complaint narrative:
On Friday, XX/XX/2018, I received a letter from Phoenix Financial Services stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I received a two party check with my name and Colorado Housing and Finance Authority after a hail claim. I signed the check and mailed to CHFA per their request. They are stating I as the homeowner can not perform any necessary repairs myself. I have a licensed roofer doing the roof, to be completed by XX/XX/XXXX and they have not seen a dime from CHFA. I would like to perform the smaller tasks such as paint, pressure wash deck and fence, etc and the mortgage company is stating it has to be done 100 % by a general contractor. Also, theyre holding the check until all work is complete. Is this okay for them to hold the check?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX information in my credit is not accurate, the balance of {$1000.00} is not mine. I never had this account. needs to be remove from my credit report asap and also XXXX XXXX is not my account .they showing a balance in my account of {$1500.00} please needs to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a civil complaint from XXXX XXXX XXXX of Pressler and Pressler seeking money from an account I have no knowledge of. I do not have an account they are speaking of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I XXXX XXXX XXXX XXXX have filed numerous disputes with equifax regarding Acct. # XXXX, and XXXX regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX. and requested that any and all documents pertaining to their investigation and response from the lender be provided to me according to my rights. I advised them that I did not consent to XXXX or means of automated verification, due to the fact that the lender has documents that does not identify with my signature in the records and their inaccurate reportings about the date of last payment made. The creditors advised that they verified that the account reporting was correct, but did not provide me with documentation to support their findings as requested. The Bureaus advised that I would need to contact the creditor to resolve this matter. On XX/XX/2018, I submitted a certified letter to the lender ( XXXX XXXX XXXX, requesting all documents pertaining to my account, including those bearing my signature, and they provided me with documents showing late payment after a voluntary repossession. I am attaching documentation of the letter submitted to the bureaus and the lender for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had funds from my mortgage company deposited in my One West checking account that I have had for around a year. They either held or stopped several personal checks, although I had called them and spoken to representatives XXXX, XXXX and XXXX about using my own checks. They restricted my account due to my desire to use my own checks as opposed to the expensive checks offered by them. I now have several returned check fees and this embarrassed me in the face of my payees. Upon calling One West and informing them of the situation they asked me to step into the branch -- which I can not do as I am XXXX XXXX ( moreso XXXX XXXX ) and recovering from XXXX XXXX. One West replied that they could send an agent to my home. As I thought this very unusual to send a banker to an XXXX XXXX XXXX, I requested to have a police officer present. The police department informed me that they can not send out an officer to my facility just because a banker wants to visit if no crime has been committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received a civil complaint from XXXX XXXX XXXX of XXXX XXXX XXXX seeking money from an account I have no knowledge of. I do not have an account they are speaking of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
This is a follow up of because I was not able to submit the photos before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On Friday, XX/XX/2018, I received a letter from XXXX XXXX XXXX stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX  who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I initially contacted Portfolio Recovery Assoc, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA on XX/XX/XXXX regarding the company reporting a collection account from XXXX XXXX  Account Number : XXXX Amount:XXXX  that doesn't belong to me. I provided the agent with my SSN and was told there wasn't any accounts under that SSN. He then asked me for DOB and phone number. Which I provided and still nothing. I then provided him with the account number from my credit report. He was able to pull up the account. He stated that the debt was from XXXX and it has my phone number and dob. However when I provided my DOB and Phone number at the beginning of the call he couldn't pull it up. Well I just received my phone number on XX/XX/XXXX so theres no way that the phone number was provided in XXXX by me. Also he stated it was my DOB but the SSN didn't match. Theres no way the debt is my debt. The address doesn't match any address I have lived at. He then admitted they ( Portfolio Recovery Assoc ) are in the practice of updating the information on accounts ( such as the DOB and Phone Number ) from what it was originally which seems like unethical practices ( the DOB and Phone Number ). I requested to speak with disputes and was given a false number and told someone would contact me which never happen I called XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. What no avail. I also disputed the information with XXXX. But after they have unethically updated the information to match my information XXXX  did not remove the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
On XX/XX/2018 the company below claimed I owed them ( 1 ) {$20.00} for a debt ( 1 ) {$30.00} for a debt ( 1 ) {$30.00} for a debt I asked them to send me proof I owed it to them. I asked them to verify and validate this so I could have a better understanding. I asked for a contract between them and I along with my signature and any agreement containing such.They said all they could send me was a receipt. They sent me a typed receipt that says " Paid In Full '' I asked them to show me a receipt with a transaction number and authorization to use any banking information or credit card containing my information. Since they didn't respond to me right away after asking for this information I submitted this same request to XXXX and XXXX. This company has yet to reach out to either company or me and produce what I asked for. 
I have never paid this company any money nor do I know who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vanguard Financial Services, Inc.
State: OH

Complaint narrative:
Vanguard financial service has 8nserted this account in my experian report. The original creditor did not properly bill my HSA account. Vanguard will not send original account information like i requested or respond to calls to get this debt taken care of.

Company response to consumer: Closed with explanation