vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8 months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
An application for short sale was submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I acalled Ditech and spoke with XXXX at Extension # XXXX. I was told the customer was being moved formally into Short Sale Review, a  representative will be assigned and a BPO is being ordered. He said we should follow back up in one week with them. On XXXX XXXX, XXXX, I called XXXX x XXXX, to check the status of the short sale application. He asked me for the borrowers " title '' and I told him it 's " XXXX '' He said that 's not correct and I said he has no other title and if he 's referring to the fact that our client is a XXXX, but that is a suffix not a title. He said he needed the full name on the account and I told him I gave it to him. He hung-up on me. I called back and got XXXX again. I asked for his supervisor immediately and was transferred XXXX XXXX. XXXX said he did n't see any notes as to the BPO. He escalated the issue to the SS dept. He said someone would call me back on XXXX XXXX or XXXX. No return call was received. On XXXX XXXX, XXXX, I called Ditech and spoke with XXXX x XXXX, she said she sees that XXXX XXXX sent a request for a manager to follow-up. The Manager did not follow-up with me, which is why I called back. She said there are no notes in the file since the representative never sent the referral to the loss mitigation dept. So, our appliciaotn has been sitting for a month. They said it should be assigned to a short sale representative on XXXX XXXX, XXXX. I would like this person assigned now, as an entire month has gone by.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Please do not go with  XXXX   XXXX  credit card or any other deferred interest payment card. I was n't told that it was a deferred interest credit card when the salesmen told me to go with it at the  XXXX   XXXX  store. I have paid {$1500.00} in interest when I was within {$500.00} of paying the card off.   I think it 's anything with Comenity Bank is going to do this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I took out student loans for a  XXXX   XXXX  in  XXXX . In  XXXX  I consolidated those loans thru the  XXXX  ( federal loans ) and have been paying on the loans which is serviced by Navient, I think it was originally by sallie mae i am not sure.     I recently retired and called today to find out what i needed to do to ensure my employment information was on file for the public service forgiveness program because i worked for local government and had sent my paperwork in back in  XXXX  and I still had the same employer (  XXXX  county ) and I am now going to a non profit that i believe will qualify.     I was told today when i called that none of the payments i have been making since  XXXX  will actually qualify because i was in a " standard repayment '' not the Income based repayment and so therefore i could enter it now but none of the pas t 3.5 years will count towards the 120 paym ent requirement.     I was shocked by this information because I understood that my payments were qualifying, i have never been la te etc..  so i was hoping to find out if there is anything I can do, I also understand that my interest rate is now fixed at the rate it was set when i consolidated so the only recourse i see is to look for a private lender to refinance the loan at a lower rate if possible AND not get the benefit of the forgiveness program.     I hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have an auto loan wit h GM Financial. On   XXXX   XXXX ,  2017  the car was deemed a total loss. We were advised by the insura nce carrier and GM tha t the payment would be made and GAP insurance would cover the difference and not to worry. The car payment was due  XXXX   XXXX ,  2017  and again  XXXX   XXXX ,  2017 .   My account shows an {$8700.00} payment made by  XXXX  on  XXXX   XXXX ,  2017  when the car payment was due on  XXXX   XXXX .    GM  even waived the late fees for  XXXX .    GM d ebited my bank account on  XXXX   XXXX ,   XXXX   for {$310.00}.     I am now dinged with a 30 day late payment which is TOTALLY unfair.   Auto payments should have been  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   ( or  until GAP paid the remaining balance ). So if  XXXX  made payment  XXXX   XXXX , they debited my account on  XXXX   XXXX  and  XXXX  due date is not here why is my account showing 30 days late??????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC
State: NY

Complaint narrative:
I am reporting a debt collector that I have reported several times in the past. The name of the company is Enhanced Recovery and the last time they called it today,  XXXX   XXXX , at  XXXX . The telephone number is  XXXX . They have been calling for years and they never leave a voicemail message. I have talked wi th one of thei r representatives and told them to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I disputed it on  XXXX  Dispute and  reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudule nt (   XXXX  charge for  XXXX   ), s o she turned off the account and anyone authorized users, and marked the transactions as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself ). I disputed it on XXXX Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company, XXXX, and told customer service that the charge on that account was fraudulent ( XXXX charge for XXXX ), so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.

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 2017-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The problem is my credit limit was lowered from {$500.00} to {$400.00} without warrant and I make my payments on time regularly. Never been late so how can they lower my credit limit. I contacted Walmart on  XXXX / XXXX / 2017  and I was told this information. This is unfair and I would like this matter look into as an consumer this is misleading to give me an credit limit and then change it and I never been late or behind on my payments.

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 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
These collections said do not belong to me all medical.   I obtain  XXXX  insurance companies, never informed I had a balance. I have full coverage  SSI.    There are several credit card activity on my credit along with inquires I have not requested a inquiry for ye ars 10 d ue to illiness.   Several addresses not mine only have One.   I have learn within the past few months there is  XXXX  people with my same name, I dont know how my social got out, but it has.   I have had a foreclosure reported in  XXXX  County, and I have never owned a house.   Please resolve this confusion for me.       Thank You In Advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
The money {$1700.00} AFNI is co llecting is for an   XXXX   account which was opened under my name which is beyond my knowledge. In short, I was a victim of identity theft. I was not physically present nor have I made any  XXXX  account changes from  XXXX  until early  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: TN

Complaint narrative:
I mailed a certified letter of a n Inquiry remo val letter to Equifax on  XXXX   XXXX ,  2017 .  XXXX   XXXX ,    2017  I received a letter from them basically describing what inquires are. This is the second letter I have sent to Equifax about these inquiries and no real investigation has been done. Less than a week I 'm receiving a letter that does not tell me if my inquires will be removed or not. It seems my letter was opened and closed and that was the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Hi i have been working with SPS since  XXXX / XXXX / XXXX , to complete a short sale on my property, it took til  XXXX  of  XXXX  to get approval, The buyer I had from  XXXX  hung in there til  XXXX  of  XXXX , his lawyer called and said his clients finances had change d 2days before  we were to close  XXXX   XXXX   XXXX , and we could not close, we relisted and by the grace of  XXXX  we found a new Cash buyer on  XXXX   XXXX  the day I was to close, we submitted all documents, for review, i was told it would not take as long as the first time i had already been approved, and the offer was more than what had been approved weeks before, I now I 'm having to repeat and resend over and over documents, each week there is something new, if anyone had half a brain, they would of just resubmitted the offer to the lender for approval. There is no one that has authority, that you can speak to at SPS, and the ladies can only tell me what is needed to move forward.   This is not right my offer should be submitted to the person or company for there approval, I should not have to go thru this again, I was approved to have a short sale done and the offer is more then was approved, already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: NC

Complaint narrative:
XXXX   XXXX   XXXX  has changed the reporting status of an account included in my  Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on Equifax was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my Chapter  XXXX  discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After th e 2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.

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 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
A collection agency by the name  of Amsher Collection Services is repor ting a  XXXX  account on my credit report for {$1300.00}. I went to  XXXX  in person to find out about this debt and it turns out it was identity theft. I fille dout a  Fraud Package given to me fro  XXXX , they contacted Ansher collection who instead of deleting this account from my credit report, just sent a letter saying that I paid it. I never paid them obviously because it is not my debt. And if they recieved a payment from  XXXX  then they need to report the accoutn to   XXXX   not to my credit report. You see, if they report that this account has a  XXXX  balance, it still affects my credit because it will be reported as paid after being in collections, therefore they need to delete the account  completely from  XXXX ,   XXXX   and  XXXX  and report it to whoever paid the account since the account was not mine in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC
State: GA

Complaint narrative:
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX  Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XXXX and XXXX XXXX. My account was closed in XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XXXX XXXX XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XXXX XXXX XXXX they posted another late payment to my account for the month of XXXX XXXX, 8 months after the alleged late fee occurred which caused my credit score to  plummet almost XXXX points. Further more the name is reported inaccurately on this 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 2017-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8  months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On  XXXX   XXXX ,  XXXX  at  XXXX   XXXX   XXXX   I called  XXXX   XXXX  at  XXXX   XXXX   XXXX  and  spoke  to  XXXX   EXT :   XXXX  to inquire about the late payments that occurred on my account after the account was closed.  XXXX   Advised that she  could not see any of the late payments that have been posted onto my account.     Upon doing an annual credit check I noticed tha t I had 2 late payme nts for the months of  XXXX  and  XXXX   XXXX . My account was closed in  XXXX  due to a motor vehicle accident that left my vehicle totaled and my account was closed in  XXXX  of  XXXX . I wrote the company to disput e the 2 late payme nts that had been put on my account after my account had been closed and instead on  XXXX   XXXX   XXXX  they posted another late payment to my account for the month of  XXXX   XXXX , 8 months after the alleged late fee occurred which caused my  XXXX   XXXX  to plummet almost  XXXX  points.     Further more the name is reported inaccurately on this 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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
From  XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  last called  XXXX   XXXX    XXXX   says it 's an attempt to collect a debt and I should call her back. Has phoned about 5 times. I am not aware of any outstanding debt except my credit balance.      XXXX   XXXX   XXXX  company, this is an attempt to collect a debt and any information obtained will be used for that purpose please return the call to  XXXX   XXXX   XXXX  at  XXXX   XXXX  again. That 's  XXXX   XXXX   XXXX  at  XXXX . Thank you.  Trans world systems incorporated is a debt collection company. This is an attempt to collect a  debt and any information obtained will be used for that purpose when calling please refer to your ID code  XXXX   XXXX   XXXX   XXXX . Thank you.   PLAY MESSAGE YOUR ACCOUNT HELP CENTER HELP FORUM To edit your email preferences for voicemail, go to the Email notification settings in your account.    XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX

Company response to consumer: Closed with explanation