vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 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: TN

Complaint narrative:
On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted XXXX, XXXX and Experian over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.

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 2018-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have a mortgage that I pay through Mr. Cooper. My complaints are : 1. I rec 'd a letter from XXXX XXXX, XXXX XXXX XXXX, XX/XX/2018 indicating I contact her. I called and asked for her, attempted to contact her but reached a bogus extension and sent a letter XX/XX/18 2. I was NOT given accurate information on how much I owned. It took 3 1/2 weeks for Mr. Cooper to give me information on the re-instatement.  During this time, fees are adding up, while I rec 'd 3 different figures indicating how much I had to pay to get out of foreclosure. 

3. The best way to get proof of what they say in writing is to complain. XXXX XXXX contacted me after complaining on a ConsumerAffairs.com. 

4. My payment was sent via Wire Transfer. I contacted Mr.Cooper that day, but no one could seem to locate the payment, until I called 2 days later. 

5. The Info. that XXXX sent me on how much I owed, ( to be reinstated contained Pending charges ). I paid and asked what did I pay for? 

I can not get straight answers. Am I entitled to information on how much I owe and what I am paying for? These are the reasons why I am contacting you. 

If I have a right to know how much to know what I paid for, I would like to know. I have emails, letters, a witness and phone conversations if you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
CFPB case number XXXX Shows as " closed '' This is not accurate, I never received a reply. I requested that LEXIS Nexis remove all old, repeated, inaccurate information in my file on judgements and liens, They never replied and CFBP closed the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
I have been with XXXX on the Public Loan Service Forgiveness plan since XX/XX/XXXX. On XX/XX/XXXX I contacted them because on my account it says I have only made 7 qualifying payments out of the three years I've been with them. As of today XX/XX/XXXX they still have not reviewed my complaint and fixed their mistake. They keep saying I am on the right plan, but my qualifying payments are not moving. I have contacted them at least once a month since I inquired about this and I keep getting the run around. At first they said it would be 7-10 business days, after that they said it would be 160 days. I called today which is day 290 and I still do not have an answer. The lady said she would have to email her supervisor and they would get in contact with me within the next 7-10 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I leased a new XXXX through XXXX XXXX. I have been driving the car for 3 weeks now and just received a letter from XXXX telling me they raised my monthly payment by {$4.00} because the tax rate was different where I live verse the area where I leased the car. Can they do this or is my lease contract binding for my agreed payment. I leased the XXXX at XXXX XXXX and live in XXXX XXXX Florida. XXXX claims there is a 1 % difference in the tax rates. No where on my lease does it say this may be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX. I made an online purchase @ XXXX XXXX website for additional checked bags for the amount of {$300.00}. 1st checked bag {$0.00} + 2nd checked bag {$100.00} + 3rd checked bag {$200.00}. according to airline policy. 

at the counter ( airport ) we had only a total of 2 bags to check in, one free and the 2nd for {$100.00}, we were informed by the employee that there will be a refund of {$200.00}, to contact the credit card company AMEX to issue the refund. 

on XX/XX/XXXX opened dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX and realized that the credit card company still does not understand what happened, they thought the charges were for extra weight. 
was informed that they would request records of the total checked bags or excess weights. since the airline companies refund customer service cant be reached by phone, only through there website, and the website did not allow the claim to be filed. 
XXXX XXXX  had only sent two Unclear and Unreadable pages that did not clarify a thing but was considered solid proof for AMEX to cancel my dispute three times. 

please note that after the 3rd attempt and speaking to a manager by the name XXXX (XX/XX/XXXX )  dispute XXXX were we requested additional information, AMEX took it on its own within 12 hours to close the dispute for the 3rd time. 

all that was done by XXXX XXXX is to be unreachable and send two unreadable pages. 
AMEX Gold Card Holder with {$190.00} membership fee X 2. 

all documnetation are available upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Signature Bank (NY)
State: NJ

Complaint narrative:
We are a regulated mutual fund. 
Signature Bank opened the account on XX/XX/XXXX, after a process that lasted 2 months ; the account was funded with $ XXXX shortly thereafter with a transfer from our own account with XXXX. On XX/XX/XXXX Signature sent a letter stating that the account will be closed on XX/XX/XXXX. They didn't provide any explanation for that. 
We contacted them by email and phone but they didn't explain the reason for their decision. 
I talked on the phone with Mr. XXXX XXXX, " Senior Vice President and Group Director '', who arrogantly told me that " compliance would not disclose the reason '', and that we can tell to our investors " whatever we want '' about this problem. He added that " banking is a privilige, not a right ''. 
The only activity carried on on the account was that first incoming wire from our own account with XXXX bank. 

We would like to know the reason why the account was closed. By knowing it, we could find a way to remedy if there is something wrong or something that the bank doesn't like. 

With this action the bank is causing harm to our investors, who are facing huge losses as a direct consequence of the closure of the account ; this also has consequences on the sales of securities in the USA. We believe that while a bank has the right to close a customer 's account, it also has a fiduciary duty towards its clients and in general towards investors and the marketplace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: NC

Complaint narrative:
I contacted Equifax on XX/XX/2018 about four amounts on my credit report file, which do not belong to me. The bills are from XXXX XXXX XXXX  . I asked Equifax to remove the amount from my report because the did not belong to me. Equifax told me they will investigate and they did not do anything. I called again on XX/XX/2018 about the same problem, it has still not been taking care of. Today XX/XX/18 I called Equifax to remove the four collections from XXXX  on my credit report and they refused to remove the charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: SC

Complaint narrative:
This is the most insensitive, aggressive, and rigid collections company I have ever dealt with. To start, I NEVER got any written notification of this debt. A lady called me in XX/XX/2018 while I was in XXXX - in the hospital - and I told her I could not deal with the collection at the moment due to being in XXXX but I would call back later that day or the following day to pay as I didn't have my wallet. She said that wasn't her concern, if I didn't settle the debt right that second she would report it to the credit agencies and note refusal to pay on my account. Her language was unacceptable during this call, she was loud, aggressive, threatening, and unwilling to work with me even as I said I would pay it within 24 hour period. I was in XXXX XXXX   and thankfully it stopped and I was discharged so I called back to arrange payment that following day. Again, she was beyond rude and I requested that it not be reported to the credit agencies since I was paying it as soon as it came to my attention, she agreed but it came up on my report a few weeks later. I have since disputed this several times with Procollect refusing to take down the report. When calling them, they refuse to allow you to speak to a supervisor and frequently hang up on you. They are always aggressive and yelling - absolutely no way to treat someone who is willing and trying to settle a debt. It is impossible to know who is really in charge but every single person is insensitive to my MEDICAL situation or the fact that they are on record stating it would not go to collections. They are threatening and dishonest and overall extremely rude to their customers. My account total was under {$350.00} and I shouldn't be treated this way for doing the right thing and paying off a debt that I wasn't made aware of until it was in the hands of these bullies.

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 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: PA

Complaint narrative:
On or around XX/XX/XXXX, received an email stating that this company has my account. I've emailed back on the XXXX requesting verification of the dept. 

On XX/XX/XXXX, received another email stating that they are going to contact the original holder, and will send me the information. 

Today, almost 30 days later, never received verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: FL

Complaint narrative:
I have an issue with my experian credit report, it's showing that my closed account with XXXX is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX. I have a letter from XXXX supporting this information and I have presented this to experian. The dispute results states that they contacted XXXX and they said the report is correct despite the legal document that I have, signed by XXXX and issued on XX/XX/XXXX stating the contrary. 

I have contacted experian multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to experian ( XX/XX/XXXX ) the operator told me that i have to contact XXXX as they can not change my reporting even with the legal documentation i have provided showing the opposite.

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 2018-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
The debt collection agency is Phoenix Financials Services. The debt collector had previously removed accounts due to insurance paying them. They have re-inserted two files back onto my credit report. They did not notify me at all regarding these re-inserts. The original dates of services from the hospital for these two disputes are XX/XX/XXXX and XX/XX/XXXX. I had Medicaid at  the time of services for both. One account is for the amount of {$360.00} and the other account is for the amount of {$390.00}. I have filed disputes with XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX and I am a Walmart Credit Card holder. I use my card tremendously and I am excited to have it. On XX/XX/XXXX I made a payment on my bill for {$100.00} that payment was presented to my bank account at XXXX XXXX and later returned. On XX/XX/XXXX my account with Walmart was closed because the payment was returned. I am beyond XXXX off because I have and had enough funds in my account to pay the {$100.00}. 

I on XX/XX/XXXX got in contact with my bank and told them about the situation of the payment being returned. I was then told that the debits were processed before the credits hit the account. Even though the all these transactions were done on the same day within seconds of each other. I have a printout of the transactions showing all the transactions. The direct deposit was pending on my account on XX/XX/XXXX and posted on XX/XX/XXXX. The payment from Walmart was also returned on theXX/XX/XXXX even there were more than enough funds in the account. I was told that I could have contacted them to pay the items but, that is something most customers arent aware of. 

I work hard to keep my credit cards and I work hard to get them. I would never intentionally make a payment and not pay it. I pay my bills each and every month. I, dont feel that this is my fault and my credit card should be re-opened. I have since made two payments on the account as well. 

I am asking you to please re-open my credit card account as this is not my fault and I should not be penalized for it. 

Respectfully Submitted,

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 2018-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
Since XX/XX/2018 I have been unable to access the " Bill Pay '' feature of my three accounts with XXXX XXXX XXXX. I have called multiple XXXX numbers, gone to the local branch several times, called the branch many times since XX/XX/XXXX when their system was supposed to be back up and usable. As of this morning, XX/XX/XXXX the Bill Pay function is still down. I am unable to tell if the automatic monthly bills will be paid at the first of the month. If they bills are not paid, as they had been in the old system, it could damage my credit report. 
All my calls, except the ones to the branch, have been recorded by the bank. They should have the support documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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 writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / XXXX / XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
the account was paid off in XX/XX/2018, they said I was behind in XX/XX/XXXX and XX/XX/2018, ( see Complaint XXXX ). the Bad mark on Credit score came after I filed the Complaint with you, so I feel it is Retaliation for filing. At the time of Filing the afore mentioned complaint, they owed me, not the other way around.

I got finally paid by them, and they sent me an email with a XXXX Balance, but they have been harassing me since. I now get emails saying I owe them 50+ dollars, and today I got one saying that they are going to write a Charge off if I don't pay it.

I know I owe them Nothing, have Owed them Nothing since XX/XX/2018, and Account was closed before that, so there is no way I can charge more to the account.

I want their Harassment Stopped, my credit report set correct, and XXXX  for their continued Harassment.

I have XXXX, so this is causing more issues than the normal person needs to Handle, and making me take more meds than usual.

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, is providing incorrect information from collections company XXXX XXXX XXXX in which is reporting negative information of a debt, does NOT belongs to me.

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 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
a person named XXXX XXXX started calling my family members trying to get my information. he scared my step-sister into giving my phone number. this person started calling my phone constantly without leaving a message until finally he left a vague message stating that there is a possible claim against me. since i have my work info on my voice mail he started calling my work, he left a message to my boss saying that an employee, stated my name, has a claim against her. he has caused an issue with my boss and now im worried my boss is going to fire me. i have told XXXX XXXX  on the phone and my boss has told him not to call this business but right after they hung up they called right back. the callers on saying they will file fraud charges if i do not pay my outstanding debt but have not given me a debt validation notice. they have been told to not contact my family, friends, work and myself but they keep calling. they are aggressive, rude and will not stop threatening me with fraud charges. i feel intimidated, scared and they just wont stop.

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