vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 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: TX

Complaint narrative:
I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( Equifax and XXXX ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
This debt does not belong to me. I do not have a signed contract with this company

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 2017-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX on XXXX XXXX, 2017, that was advertised for {$5900.00} however I am being charged double and the down payment was {$500.00} however the dealer lied to the bank in order to get a sale that the down payment was {$1000.00}.

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 2017-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This company is trying to collect a debt from me. I have never signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: TX

Complaint narrative:
I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX  opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( XXXX and Experian ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.

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 2017-07-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
I do not have any signed leases with this company. I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
*i have recorded calls of all of these conversations* on thursday ( XX/XX/XXXX ) a purchase was made and never appeared until the next day. I called and spoke to XXXX XXXX about their " grace period '' on overdrafting accts. who said this ( at the time - $ XXXX.xx ) would be due Monday before midnight. saturday ( XX/XX/XXXX ) an overdraft occurred to my account of - {$37.00}. I called and was directed to drive to the branch. the branch said this has nothing to do with them, then spent hours on the phone finally resolving the issue by " XXXX '' stating she will waive the o.d. fee as long as I deposit whatever I owe, minus the {$37.00}.
I call today (XX/XX/XXXX) to verify this and now they want to play games saying this " miscellaneous refund '' was from XX/XX/XXXX( Friday ) and I will not receive a refund from XX/XX/XXXX, because " people make mistakes ... she must have not seen the refund ''. they are completely trying to scam people and allow representatives of a company lie and " sweep it under the rug '', while I do not have {$37.00} to deposit, which will continue to obtain daily fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
XXXX/XXXX/16 they were instructed not to call me at work. They call when it 's not even late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discovery is going through with their threats ; I go to court at the XXXX XXXX XXXX XXXX XXXX, MI court on XXXX XXXX 2017 at XXXX in front of Judge XXXX XXXX , To put me in jail and take my home for not paying them for Discover transferring monies from my account to accounts in their cyber space!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial is an account that has been closed on my credit report sinceXX/XX/XXXX. It is now reporting late payments inXX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX. Again, this account was paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I 'm having trouble removing PMI from my mortgage. I have met the conditions that were provided to me by my mortgage company ( 20 % equity based on most recent appraisal as well as not late payments ).
On XX/XX/XXXX I received a letter stating the criteria for removing PMI ( which I meet ) and then they state that they were unable to approve my request because I do not meet the two-year seasoning guidelines. The letter provided no explanation about what this meant. When I called the rep said that I needed to have had the loan for 24 months in order to remove PMI. I 've had the home for three years now and refinanced a little over a year ago. Until my request to remove PMI I had not ever heard of a 24-month requirement in order to remove PMI.
I 'm frustrated with this decision to not remove my PMI. I feel that I 've met all the criteria that were presented to me when I refinanced and when I asked freedom mortgage how to remove PMI. When I asked what I could do they told me that PMI would be removed in XX/XX/XXXX. I find this unacceptable and deceiving.

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 2017-07-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCarthy & Holthus, LLP
State: CO

Complaint narrative:
My Mortgage Company referred a debt to McCarthy Holtus without ever contacting me. When I discovered my mortgage payments were not made I attempted to make them right away. Mortgage company told me my home was already in foreclosure. When I contacted the public trustee 's office they confirmed my home was NOT in foreclosure.
McCarth Holtus told me file was too new and they had no information yet. They told me they would not accept my payment until after they filed foreclosure proceedings. I told them ( begged them ) to allow me to bring the loan current BEFORE filing foreclosure proceedings but they refused to accept any payment until they could add on additional legal fees not yet incurred, and also to file foreclosure proceedings against me.
They are aware that foreclosure has not been filed, fees have not been incurred and yet they refuse to accept payment in full until after they can assess fees and file legal proceedings against 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 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I filed a dispute with SCA Collections in regards to a debt validation. They never sent a contract that I signed with them for the debt or itemization of the charges.

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 2017-07-31 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
CHEXSYSTEMS CONSUMER ID XXXX SOMEONE OPENED A CHECKING ACCOUNT IN MY NAME IN ANOTHER STATE I HAVE NEVER LIVED IN AND IT IS ADVERSELY EFFECTING ME FROM OPENING A CHECKING ACCOUNT CAUSING HARDSHIPS! I HAVE ALREADY REPORTED BE A VICTIM OF IDENTITY THEFT!

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 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and say that Commonwealth Financial Systems is negatively reporting a debt that was previously removed by the credit bureaus for the past year. Now Common Wealth Financial Systems is reporting the {$200.00} debt again stating that it was just opened on XXXX XXXX, 2017. This is a common illegal practice of to try to re-age old or removed debts and I have become their victim again. I was not properly notified by mail five days before Commonwealth Financial Systems about the debt before reinserting this onto my credit report and I would like it removed immediately. My XXXX credit score has been drastically reduced because of their ill practices and its all because Commonwealth Finanical Systems is practicing unjust collection attempts. This is not fair that I have had to send countless of letters to the bureaus and even recently to remove this erroneous dent and I decided to use my consumers rights and ask for the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This is a complaint about Synchrony Financial 's payment rules. I have an account with them for with no interest for a year. I 've been paying my bill 2-3 weeks early. Specifically, my bill is due on the XXXX of every month and I send the payments on the XXXX. However, I noticed that my balance was always more than what I expected. I called and was told that my payments were recognized as a general payment but not as my monthly payment because I was essentially paying too early. For example, I have a bill due on XX/XX/XXXX. I sent a payment onXX/XX/XXXX They 've accepted the payment. However, I still owe a balance for the XX/XX/XXXX. They returned 3 of the late fees but not all of them. In addition, the supervisor was rude.

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 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent Equifax a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Would really appreciate it if Huntington Bank would partner with XXXX. I use XXXX XXXX a lot for pay day advance. It takes a long time because they say my bank ( huntington ) has to send my transactions. XXXX implied that it may help if huntington partnered with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
On X/XX/2017 I was on the Prosper site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my XXXX XXXX profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
Purchased and financed a XXXX Harley Davidson Ultra Classic Glide, Purchased around XXXX 2012 from XXXX XXXX XXXX XXXX NC. The day of the purchase I was told they we 're throwing in for free a tire and wheel warranty. After rushing me to sign everything they handed me the key and tag and said I was good to go. But they failed to give me copies of all the financial documents, I ask for them and they said they would mail me my copies. By law they suppose to give me copies on the spot before leaving but that did n't happen. I received the documents in the mail three days later, after reviewing the free tire and wheel warranty was n't free and instead they charged and added it to the financing at a cost of {$2000.00}. I called them and complained they said I need to call the finance company Harley Davidson Financial Services, So I did. The finance company said I can cancel the {$2000.00} warranty and they would give me a refund credit on the end of the loan. So the {$2000.00} would come off the end of the loan. But they never gave me credit, so I hired an Attorney and he contacted the Finance Company who  than supposedly gave me credit off the end of the loan. also had a licensed accountant review all the financial documents, he told me they took my payment but added my interest back which they did n't suppose to do. Also if they would have added the refund at the end of the loan it would have made my monthly payments, Interest ETC less per month but everything stayed the same. The last couple of years I have been paying the principal because I have already paid all the interest that was owed. I contacted the finance company to get my payoff, my payoff should be {$1800.00} but they are saying I owe {$3800.00} which they said is interest. In other words they never gave me credit nor did they take off the {$2000.00} for the tire warranty if so the payoff would be {$1800.00} or less.

Company response to consumer: Closed with explanation